Cal State LA Federal Credit Union Auto Loan Rates

How Cal State LA Federal Credit Union’s auto loan rates compare

Compared with banks and credit unions near Los Angeles, CA, where Cal State LA Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.

This credit union’s lowest
Cal State LA Federal Credit Union
5.24%APR
Terms
up to 60 months
Discount
Included in the rate
Vehicle Loans
Lowest rate
Downey Federal Credit Union
3.49%APR
Terms
—
Discount
None included
Downey Federal Credit Union rates
2nd-lowest rate
United Catholics Federal CU
3.75%APR
Terms
up to 84 months
Discount
Included in the rate
United Catholics Federal CU rates

Compare auto loan rates near you →

Auto loan score

Higher than 34% of U.S. banks and credit unions

By vehicle

New vehicleNew5.24%
Used vehicleUsed5.24%

Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.

How the score works →

Where Cal State LA Federal 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.

Vehicle Loans

Rates shown based on minimum FICO score of 730 and include a 0.25% discount for direct deposit (must cover minimum monthly payment and be set up within 60 days of funding). Rate increase of 0.25% for used vehicles; 0.25% discount if financed amount is less than 80% LTV. Purchases financing up to 125% LTV (up to 84 months for loan amounts over $25,000.00). Refinancing up to 100% LTV, minimum loan amount $5,000.00. Vehicles must be titled/located in CA.

Terms	APR	Conditions
up to 36 months	4.74%	Max loan term up to 36 months. Payment per $1,000 borrowed is $29.86. Financing 100%.
up to 48 months	5.04%	Max loan term 48 months. Payment per $1,000 borrowed is $23.05. Financing 100%.
up to 60 months	5.24%	Max loan term 60 months. Payment per $1,000 borrowed is $18.98. Financing 100%.
up to 72 months	5.54%	Max loan term 72 months. Payment per $1,000 borrowed is $16.36. Financing 100%.
up to 84 months	6.04%	Max loan term 84 months (for loan amounts over $25,000.00). Payment per $1,000 borrowed is $14.63. Financing 100%.

Sources (3)

All captured Oct 7, 2026

Who can join Cal State LA Federal Credit Union

This may be incomplete or out of date, so check with the credit union before you apply.

Where you live or work

Membership is available to those who live, work, worship, or go to school in El Sereno.
Residents of Los Angeles County may join by joining the Cal State LA Friends of the Alumni Association for a $50.00 application fee (pending review/qualification).

Employers and groups

Membership is available to members of the El Sereno Chamber of Commerce.
Membership is available to employees of Goodwill Industries.
Membership is available to employees of Grifols.
Membership is available to employees of approved Select Employee Groups.

5 more ways to join

Military, government and schools

Membership is available to members of the Cal State LA Alumni Association.
Membership is available to Cal State LA faculty, staff, and students.
Membership is available to employees of the cities of Vernon, Bell, Bell Gardens, Cudahy, Maywood, and Huntington Park.
Membership is available to Cal State LA retirees who retired from employment at Cal State LA.

Family and household

Membership is available to family members of credit union members.

Cost to join

An opening deposit of at least $25 is required to open an account.

Membership information collected October 5, 2026.

Check membership requirements ↗Branches and institution details

← Cal State LA Federal Credit Union overview