Credit union · NCUA insured
Bay Cities CU Auto Loan Rates
Top CarrotBay Cities CU auto loans start at 4.50% APR for a new vehicle and 4.50% for a used one. Rates checked October 16, 2026.
How Bay Cities CU’s auto loan rates compare
Compared with banks and credit unions near San Francisco, CA, where Bay Cities CU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Bay Cities CU
4.50%APR
- Terms
- up to 84 months
- Up to
- —
- Discount
- None included
New Auto
Lowest rate
Utility District Credit Union
3.50%APR
- Terms
- up to 60 months
- Up to
- 13.00% APR
- Discount
- None included
2nd-lowest rate
F3 Credit Union
3.74%APR
- Terms
- up to 72 months
- Up to
- —
- Discount
- Included in the rate
Bay Cities CU auto loan score
89
Auto loan score
Higher than 86% of U.S. banks and credit unions
- New vehicleNew4.50%
- Used vehicleUsed4.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Bay Cities CU 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.
Basic Transportation Car
Must be purchased from a dealership. Financing up to 125% of Kelley Blue Book including tax & license. Up to 1.00% in rate discounts available (Auto Pay 0.50%, Gas Saver 0.50%).
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.50% | Must be purchased from a dealership. Financing up to 125% of Kelley Blue Book including tax & license. Up to 1.00% in rate discounts available (Auto Pay 0.50%, Gas Saver 0.50%). |
Sources (1)
- baycities.org/loans/auto-motorcycle-loans · captured Oct 7, 2026
New Auto
Up to 1.00% in rate discounts available: 0.50% for Auto Pay and 0.50% for Gas Saver (EPA rating >= 30 mpg highway or EV). Financing up to 125% of Kelley Blue Book including tax & license.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.50% | Financing up to 125% of Kelley Blue Book including tax & license. Rate discounts up to 1.00% available (Auto Pay 0.50%, Gas Saver 0.50%). |
Sources (1)
- baycities.org/loans/auto-motorcycle-loans · captured Oct 7, 2026
Older Cars (2019 or older)
Applies to 2019 or older model year vehicles. Financing up to 125% of Kelley Blue Book including tax & license. Up to 1.00% in rate discounts available (Auto Pay 0.50%, Gas Saver 0.50%).
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 7.00% | 2019 or older vehicles. Financing up to 125% of Kelley Blue Book including tax & license. Up to 1.00% in rate discounts available (Auto Pay 0.50%, Gas Saver 0.50%). |
Sources (1)
- baycities.org/loans/auto-motorcycle-loans · captured Oct 7, 2026
Used Auto
Up to 1.00% in rate discounts available: 0.50% for Auto Pay and 0.50% for Gas Saver (EPA rating >= 30 mpg highway or EV). Financing up to 125% of Kelley Blue Book including tax & license. Cars purchased through Enterprise receive a 1% APR discount.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.50% | Financing up to 125% of Kelley Blue Book including tax & license. Rate discounts up to 1.00% available (Auto Pay 0.50%, Gas Saver 0.50%). Enterprise Car Sales purchases receive a 1% APR discount. |
Sources (1)
- baycities.org/loans/auto-motorcycle-loans · captured Oct 7, 2026
Who can join Bay Cities CU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees or members of companies, organizations, or chambers approved for membership are eligible.
- Employees, members, or retirees of Teamster Union Locals under Joint Council 7 are eligible for membership.
Military, government and schools
- Volunteers, employees, or retirees of the Cities of Hayward or San Leandro are eligible for membership.
- Classified employees or retirees of Southern Alameda County School District are eligible for membership.
Membership information collected October 5, 2026.