Credit union · NCUA insured
America's Christian Credit Union Auto Loan Rates
Top CarrotAmerica's Christian Credit Union auto loans start at 4.49% APR for a new vehicle and 4.74% for a used one. Rates checked October 16, 2026.
How America's Christian Credit Union’s auto loan rates compare
Compared with banks and credit unions near Los Angeles, CA, where America's Christian Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
America's Christian Credit Union
4.49%APR
- Terms
- up to 60 months
- Discount
- None included
New Auto
Lowest rate
Downey Federal Credit Union
3.49%APR
- Terms
- —
- Discount
- None included
2nd-lowest rate
United Catholics Federal CU
3.75%APR
- Terms
- up to 84 months
- Discount
- Included in the rate
America's Christian Credit Union auto loan score
88
Auto loan score
Higher than 85% of U.S. banks and credit unions
- New vehicleNew4.49%
- Used vehicleUsed4.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where America's Christian Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Auto Loan
Whether you're shopping for a car, truck, SUV, van or crossover - new or used - or refinancing. Terms up to 84 months (7 Years). Fixed auto loan interest rates as low as 3.99% APR. Includes 0.50% discount for automatic payments from an ACCU checking account. Up to 100% financing including tax & license (new vehicle) and up to 100% financing of Kelley Blue Book Value (used auto). One-time $25.00 loan funding fee applies. Minimum credit score to approve is 640. Membership required; $2.00 membership fee may apply.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 3.99% | Today's Rate - Valid 10/16/2026. Auto Loan as low as 3.99% APR. Terms up to 84 months. Fixed auto loan interest rates as low as 3.99% APR. Rate includes 0.50% discount for automatic payments from an ACCU checking account. One-time $25.00 loan funding fee applies. |
Sources (1)
- americaschristiancu.com/personal/auto-loan · captured Oct 16, 2026
Auto Loan Refinance
Current ACCU loans not eligible for refinance. Terms up to 84 months. Up to 100% financing of Kelley Blue Book Value (used auto). Includes 0.50% rate discount for automatic payments from an ACCU checking account. One-time $25.00 loan funding fee applies. Membership required; $2.00 membership fee may apply.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.24% | Today's Rate - Valid 10/16/2026. Auto Loan Refinance as low as 4.24% APR. Includes 0.50% discount for automatic payments from an ACCU checking account. Actual APR based on creditworthiness. One-time $25.00 loan funding fee applies. Terms up to 84 months. |
Sources (1)
- americaschristiancu.com/personal/auto-loan-refinance · captured Oct 16, 2026
Electric Vehicle Loan
Available for new, used, or refinance (non-ACCU loans). Terms up to 84 months. 0.50% rate discount with automatic payments from an ACCU checking account. Up to 100% financing, including tax & license (new vehicle) & up to 100% financing of Kelley Blue Book Value (used auto). Minimum credit score to approve is 640. One-time $25.00 loan funding fee applies. Membership required; $2.00 membership fee may apply.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.99% | Today's Rate - Valid 10/16/2026. Rate includes 0.50% discount for automatic payments from an ACCU checking account. One-time $25.00 loan funding fee applies. Term 36 months. |
Sources (1)
- americaschristiancu.com/person…electric-vehicle-ev-loan · captured Oct 16, 2026
First Time Auto Buyer
For individuals who have not had a previous car loan (as indicated on credit report). No credit history required; must have independent means of repaying or a qualified co-signer. Membership required; $2.00 membership fee may apply. A one-time $25.00 loan funding fee applied upon acceptance. Rates include 0.50% discount for automatic payments/ACH from an ACCU checking account.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 6.54% | Assumes excellent credit history and maximum 0.50% APR discount for ACH/automatic payment. $25 funding fee applies. Maximum loan amount $25,000. |
| up to 48 months | 6.99% | Assumes excellent credit history and maximum 0.50% APR discount for ACH/automatic payment. $25 funding fee applies. Maximum loan amount $25,000. |
| up to 60 months | 7.49% | Assumes excellent credit history and maximum 0.50% APR discount for ACH/automatic payment. $25 funding fee applies. Maximum loan amount $25,000. |
| up to 72 months | 7.74% | Assumes excellent credit history and maximum 0.50% APR discount for ACH/automatic payment. $25 funding fee applies. Maximum loan amount $25,000. |
Sources (1)
- americaschristiancu.com/personal/auto-loan · captured Oct 16, 2026
New Auto
Membership required; $2.00 membership fee may apply. A one-time $25.00 loan funding fee applied upon acceptance. Minimum credit score 640. Rates include 0.50% discount for automatic payments/ACH from an ACCU checking account. Up to 100% financing including tax & license (new auto: model year up to one year older than current calendar year or newer).
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.99% | Assumes excellent credit history and maximum 0.50% APR discount for ACH/automatic payment. $25 funding fee applies. |
| up to 48 months | 3.99% | Assumes excellent credit history and maximum 0.50% APR discount for ACH/automatic payment. $25 funding fee applies. |
| up to 60 months | 4.49% | Assumes excellent credit history and maximum 0.50% APR discount for ACH/automatic payment. $25 funding fee applies. |
| up to 72 months | 4.99% | Assumes excellent credit history and maximum 0.50% APR discount for ACH/automatic payment. $25 funding fee applies. |
| up to 84 months | 4.99% | Assumes excellent credit history and maximum 0.50% APR discount for ACH/automatic payment. $25 funding fee applies. |
Sources (1)
- americaschristiancu.com/personal/auto-loan · captured Sep 25, 2026
Used Auto
Membership required; $2.00 membership fee may apply. A one-time $25.00 loan funding fee applied upon acceptance. Minimum credit score 640. Rates include 0.50% discount for automatic payments/ACH from an ACCU checking account. Up to 100% financing of Kelley Blue Book Value (used auto: model year more than one year older than current calendar year).
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.24% | Assumes excellent credit history and maximum 0.50% APR discount for ACH/automatic payment. $25 funding fee applies. |
| up to 48 months | 4.24% | Assumes excellent credit history and maximum 0.50% APR discount for ACH/automatic payment. $25 funding fee applies. |
| up to 60 months | 4.74% | Assumes excellent credit history and maximum 0.50% APR discount for ACH/automatic payment. $25 funding fee applies. |
| up to 72 months | 5.24% | Assumes excellent credit history and maximum 0.50% APR discount for ACH/automatic payment. $25 funding fee applies. |
| up to 84 months | 5.24% | Assumes excellent credit history and maximum 0.50% APR discount for ACH/automatic payment. $25 funding fee applies. |
Sources (1)
- americaschristiancu.com/personal/auto-loan · captured Sep 25, 2026
Who can join America's Christian Credit Union
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