Credit union · NCUA insured
BluPeak Credit Union Auto Loan Rates
BluPeak Credit Union auto loans start at 5.50% APR for a new vehicle and 5.50% for a used one. Rates checked October 16, 2026.
How BluPeak Credit Union’s auto loan rates compare
Compared with banks and credit unions near San Diego, CA, where BluPeak Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
BluPeak Credit Union
5.30%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Autos (Model Year 2020 and Newer)
Lowest rate
Wheelhouse Credit Union
4.24%APR
- Terms
- up to 66 months
- Discount
- Included in the rate
2nd-lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
- Discount
- None included
BluPeak Credit Union auto loan score
72
Auto loan score
Higher than 32% of U.S. banks and credit unions
- New vehicleNew5.50%
- Used vehicleUsed5.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where BluPeak 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 Refinance
Must meet membership and account criteria. All loans subject to credit approval. APRs effective as of 10/1/2026. Rates may be higher based on credit history. Includes 0.25% discount with automatic payment from a BluPeak checking account. Vehicle must meet collateral requirements. Out-of-state private party purchases, commercial vehicles, salvage title, boats, or RVs are not eligible. May qualify for payment deferral up to 90 days.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.30% | Model Year 2020 and Newer; up to 60 months. Maximum loan amount up to 130% of Dealer MSRP or Retail Kelly Blue Book. Includes 0.25% checking autopay discount. |
| up to 72 months | 5.50% | Model Year 2020 and Newer; up to 72 months. Maximum loan amount up to 130% of Dealer MSRP or Retail Kelly Blue Book. Includes 0.25% checking autopay discount. |
| up to 84 months | 6.50% | Model Year 2020 and Newer; up to 84 months. Maximum loan amount up to 130% of Dealer MSRP or Retail Kelly Blue Book. Includes 0.25% checking autopay discount. |
| up to 60 months | 6.30% | Model Years 2016–2019; up to 60 months. Maximum loan amount up to 130% of Vehicle's Retail Kelly Blue Book. Includes 0.25% checking autopay discount. |
| up to 72 months | 6.50% | Model Years 2016–2019; up to 72 months. Maximum loan amount up to 130% of Vehicle's Retail Kelly Blue Book. Includes 0.25% checking autopay discount. |
| up to 84 months | 7.50% | Model Years 2016–2019; up to 84 months. Maximum loan amount up to 130% of Vehicle's Retail Kelly Blue Book. Includes 0.25% checking autopay discount. |
Sources (1)
- blupeak.com/borrow/auto-loans-car-buying/refinance · captured Oct 6, 2026
Autos (Model Year 2020 and Newer)
Must meet membership and account criteria. All loans subject to credit approval. Rates include 0.25% discount with automatic payment from a BluPeak checking account. Up to 125% of Dealer MSRP or Retail Kelly Bluebook (125% of dealer MSRP only for new auto never registered; model years 2025 and newer).
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.30% | Maximum loan amount up to 125% of Dealer MSRP or Retail Kelly Bluebook. Rates include 0.25% discount with automatic payment from a BluPeak checking account. |
| up to 72 months | 5.50% | Maximum loan amount up to 125% of Dealer MSRP or Retail Kelly Bluebook. Rates include 0.25% discount with automatic payment from a BluPeak checking account. |
| up to 84 months | 6.50% | Maximum loan amount up to 125% of Dealer MSRP or Retail Kelly Bluebook. Rates include 0.25% discount with automatic payment from a BluPeak checking account. |
Sources (1)
- blupeak.com/borrow/auto-loans-car-buying/loan · captured Oct 6, 2026
Autos (Model Years 2016–2019)
Must meet membership and account criteria. All loans subject to credit approval. Rates include 0.25% discount with automatic payment from a BluPeak checking account. Up to 125% financing of Vehicle's Retail Kelly Bluebook based on creditworthiness.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 6.30% | Maximum loan amount up to 125% of Vehicle's Retail Kelly Bluebook. Rates include 0.25% discount with automatic payment from a BluPeak checking account. |
| up to 72 months | 6.50% | Maximum loan amount up to 125% of Vehicle's Retail Kelly Bluebook. Rates include 0.25% discount with automatic payment from a BluPeak checking account. |
| up to 84 months | 7.50% | Maximum loan amount up to 125% of Vehicle's Retail Kelly Bluebook. Rates include 0.25% discount with automatic payment from a BluPeak checking account. |
Sources (1)
- blupeak.com/borrow/auto-loans-car-buying/loan · captured Oct 6, 2026
Who can join BluPeak 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 because BluPeak Federal Credit Union will make a one-time contribution to the BluPeak Foundation on their behalf at no cost.
Membership information collected October 5, 2026.