Credit union · NCUA insured
Arrowhead Credit Union Auto Loan Rates
Arrowhead Credit Union auto loans start at 4.99% APR for a new vehicle and 4.99% for a used one. Rates checked October 16, 2026.
How Arrowhead Credit Union’s auto loan rates compare
Compared with banks and credit unions near Riverside, CA, where Arrowhead Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Arrowhead Credit Union
4.99%APR
- Terms
- 48–60 months
- Up to
- 16.99% APR
- Discount
- Included in the rate
New & Used Autos
Lowest rate
Thinkwise Credit Union
3.49%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- None included
2nd-lowest rate
Collegedale Credit Union
3.89%APR
- Terms
- —
- Up to
- —
- Discount
- None included
Arrowhead Credit Union auto loan score
79
Auto loan score
Higher than 48% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed4.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Arrowhead 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.
New & Used Autos
All auto loan rates include all available discounts including 0.25% discount for automatic transfer/payment from an Arrowhead account. New Auto is 2023-2025 (<5,000 miles), up to 100% KBB financing. Used Auto is 2018-2025 (max 150,000 miles), up to 120% KBB financing. Current Arrowhead loans not eligible for refinancing under these rates/terms. No early payoff penalty.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.99%–16.99% | 36 Months term. Includes all available discounts including 0.25% discount for automatic payment from an Arrowhead account. |
| 48–60 months | 4.99%–16.99% | 48 to 60 Months term. Includes all available discounts including 0.25% discount for automatic payment from an Arrowhead account. |
| up to 72 months | 5.49%–16.99% | 72 Months term. Includes all available discounts including 0.25% discount for automatic payment from an Arrowhead account. |
| up to 84 months | 5.99%–7.49% | 84 Months term. Available for tier 1 and tier 2 credit. Includes all available discounts including 0.25% discount for automatic payment from an Arrowhead account. |
New Motorcycle
New Motorcycle 2024 - 2026 (Up to 80% financing). Dependent on amount financed.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 9.99%–12.74% | Up to 72 Months. Up to 80% financing. Dependent on amount financed. 2024 - 2026 models. |
Sources (1)
- arrowheadcu.org/rates · captured Oct 16, 2026
Smart Start Auto Loan
Dependent on amount financed. New & Used Auto.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 10.49% | Smart Start Auto Loan Up to 60 Months. Dependent on amount financed. |
| up to 72 months | 10.99% | 72 Months. Dependent on amount financed. |
Used Motorcycle
Used Motorcycle 2021 - 2026 (Up to 80% financing). Dependent on amount financed.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 10.24%–13.24% | Up to 72 Months. Up to 80% financing. Dependent on amount financed. 2021 - 2026 models. |
Sources (1)
- arrowheadcu.org/rates · captured Oct 16, 2026
Who can join Arrowhead Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Anyone can qualify for membership by joining Community Impact Fund (CIF) during the application process, with the association membership fee covered by Arrowhead.
- Anyone can qualify for membership by joining the Surfrider Foundation during the application process, with the association membership fee covered by Arrowhead; Arrowhead membership remains active even if not renewed after the initial first year.
Employers and groups
- Employees who work in the specified California locations for designated employers and organizations are eligible for membership.
- Employees who work in or are paid from San Bernardino for Stater Bros. Markets, San Bernardino Community Hospital, or St. Bernardine Hospital are eligible for membership.
- Employees of select employers in Riverside County who work at or are paid from Riverside, CA are eligible for membership.
- Employees who work in or are paid from the specified locations for Commonwealth Casualty Company (Phoenix, Arizona) or Honeyville, Inc (Ogden, Utah) are eligible for membership.
4 more ways to join
Military, government and schools
- California National Guard members and State Employees who work in or are paid from Sacramento, CA are eligible for membership.
- Employees of San Bernardino County who work in or are paid from San Bernardino County are eligible for membership.
- City employees who work in Adelanto, Barstow, Highland, Loma Linda, Montclair, Needles, Rancho Cucamonga, Rialto, or Upland, California are eligible for membership.
Family and household
- Immediate family members of an existing Arrowhead member in good standing qualify for membership (proof of family membership may be required).
Cost to join
- A one-time $4 member entrance fee is required to become a member.
- A $1 initial deposit and minimum balance in an Arrowhead Savings account is required.
Membership information collected October 5, 2026.