Credit union · NCUA insured
California Coast Credit Union Auto Loan Rates
California Coast Credit Union auto loans start at 4.68% APR for a new vehicle and 4.68% for a used one. Rates checked October 16, 2026.
How California Coast Credit Union’s auto loan rates compare
Compared with banks and credit unions near San Diego, CA, where California Coast Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
California Coast Credit Union
4.68%APR
- Terms
- 49–66 months
- Discount
- None included
Auto Loans - Model Years 2022 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
California Coast Credit Union auto loan score
88
Auto loan score
Higher than 84% of U.S. banks and credit unions
- New vehicleNew4.68%
- Used vehicleUsed4.68%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where California Coast 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 Loans - Model Years 2017 - 2021
Standard passenger vehicles only; no commercial vehicles, vehicles for hire, lemon law buybacks, or salvage titles. Up to 110% financing. Available for new and used cars and trucks. Model years 2017 to 2021. Terms up to 66 months; terms of 75 months require a minimum loan amount of $12,000. 90-day deferred payment option available.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.68% | Model years 2017-2021. As low as rate for well-qualified borrowers. Estimated monthly payment is $30.28 per $1,000 borrowed for 36 months. Fixed rate type. |
| 37–48 months | 5.68% | Model years 2017-2021. As low as rate for well-qualified borrowers. Estimated monthly payment is $23.34 per $1,000 borrowed for 48 months. Fixed rate type. |
| 49–66 months | 5.68% | Model years 2017-2021. As low as rate for well-qualified borrowers. Estimated monthly payment is $17.68 per $1,000 borrowed for 66 months. Fixed rate type. |
| 67–75 months | 5.98% | Model years 2017-2021. Requires a minimum loan amount of $12,000. As low as rate for well-qualified borrowers. Estimated monthly payment is $16.02 per $1,000 borrowed for 75 months. Fixed rate type. |
Sources (1)
- calcoastcu.org/auto-loans-rates · captured Oct 16, 2026
Auto Loans - Model Years 2022 and Newer
Standard passenger vehicles only; no commercial vehicles, vehicles for hire, lemon law buybacks, or salvage titles. Up to 110% financing. Available for new, used, or refinance. Rates shown are for well-qualified borrowers. Model years 2022 and newer. 90-day deferred payment option available. Minimum loan amounts: $12,000 for 75 months, $25,000 for 84 months. Rate discount up to 0.50% available through Cal Coast Auto Buying Service.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.68% | Model years 2022 and newer. As low as rate for well-qualified borrowers. Estimated monthly payment is $29.84 per $1,000 borrowed for 36 months. Fixed rate type. |
| 37–48 months | 4.68% | Model years 2022 and newer. As low as rate for well-qualified borrowers. Estimated monthly payment is $22.88 per $1,000 borrowed for 48 months. Fixed rate type. |
| 49–66 months | 4.68% | Model years 2022 and newer. As low as rate for well-qualified borrowers. Estimated monthly payment is $17.21 per $1,000 borrowed for 66 months. Fixed rate type. |
| 67–75 months | 4.98% | Model years 2022 and newer. Requires a minimum loan amount of $12,000. As low as rate for well-qualified borrowers. Estimated monthly payment is $15.55 per $1,000 borrowed for 75 months. Fixed rate type. |
| 76–84 months | 5.98% | Model years 2022 and newer. Requires a minimum loan amount of $25,000. As low as rate for well-qualified borrowers. Estimated monthly payment is $14.61 per $1,000 borrowed for 84 months. Fixed rate type. |
Sources (1)
- calcoastcu.org/auto-loans-rates · captured Oct 16, 2026
Cash Out Auto Loan
Cash-out auto loan allowing members to access funds using vehicle equity. Outright ownership or substantial equity required. Standard passenger vehicles only; up to 110% financing for model years 2022 and newer. 90-day deferred payment option available. No direct deposit, automatic payments or checking account required.
| Terms | APR | Conditions |
|---|---|---|
| up to 29 months | 4.48% | Model years 2022 or newer, estimated monthly payment is $36.45 per $1,000 borrowed for up to 29 months at 4.48% APR. Rate discount up to 0.50% available through TrueCar/NCI for purchases. |
Sources (1)
- calcoastcu.org/auto-loans/cashout-auto-loan · captured Oct 16, 2026
Model Years 2016 or Older, Classic/Specialty
Standard passenger vehicles only; no commercial vehicles, vehicles for hire, lemon law buybacks, or salvage titles. Up to 110% financing. Model years 2016 and older or Classic/Specialty vehicles for up to 66 months; terms of 75 months require a minimum loan amount of $12,000. 90-day deferred payment option available.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 7.18% | Model years 2016 or older, or classic/specialty vehicles. As low as rate for well-qualified borrowers. Estimated monthly payment is $30.96 per $1,000 borrowed for 36 months. Fixed rate type. |
| 37–48 months | 7.18% | Model years 2016 or older, or classic/specialty vehicles. As low as rate for well-qualified borrowers. Estimated monthly payment is $24.03 per $1,000 borrowed for 48 months. Fixed rate type. |
| 49–66 months | 7.18% | Model years 2016 or older, or classic/specialty vehicles. As low as rate for well-qualified borrowers. Estimated monthly payment is $18.38 per $1,000 borrowed for 66 months. Fixed rate type. |
| 67–75 months | 7.48% | Model years 2016 or older, or classic/specialty vehicles. Requires a minimum loan amount of $12,000. As low as rate for well-qualified borrowers. Estimated monthly payment is $16.74 per $1,000 borrowed for 75 months. Fixed rate type. |
Sources (1)
- calcoastcu.org/auto-loans-rates · captured Oct 16, 2026
Motorcycle Loans - Model years 2023 and Newer
Motorcycle loans for model years 2023 and newer. Terms up to 48 months for any loan amount; terms of 66 months require minimum $12,000; terms of 75 months require minimum $25,000. Amount financed up to 80% of purchase price or 80% of NADA Low Retail (whichever is less) including tax, title, and license. Some applicants may require a down payment. Rates as of 10/16/2026.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 8.98% | Model years 2023 and newer. Best rates as of 10/16/2026; may be higher based on credit history. Estimated monthly payment is $24.88 per $1,000 borrowed for 48 months at 8.98% APR. Fixed rate type. |
| up to 66 months | 9.48% | Model years 2023 and newer. Requires a minimum loan amount of $12,000. Best rates as of 10/16/2026; may be higher based on credit history. Estimated monthly payment is $19.50 per $1,000 borrowed for 66 months at 9.48% APR. Fixed rate type. |
| up to 75 months | 10.48% | Model years 2023 and newer. Requires a loan amount of $25,000 and above. Best rates as of 10/16/2026; may be higher based on credit history. Estimated monthly payment is $18.23 per $1,000 borrowed for 75 months at 10.48% APR. Fixed rate type. |
Sources (1)
- calcoastcu.org/other-vehicle-rates · captured Oct 16, 2026
Recreational Sport Vehicle Loans - Model years 2023 and Newer
Recreational sport vehicle loans for model years 2023 and newer. Terms up to 48 months for any loan amount; terms of 66 months require minimum $12,000; terms of 75 months require minimum $25,000. Amount financed up to 80% of purchase price or 80% of NADA Low Retail (whichever is less) including tax, title, and license. Some applicants may require a down payment. Rates as of 10/16/2026.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 8.98% | Model years 2023 and newer. Best rates as of 10/16/2026; may be higher based on credit history. Estimated monthly payment is $24.88 per $1,000 borrowed for 48 months at 8.98% APR. Fixed rate type. |
| up to 66 months | 9.48% | Model years 2023 and newer. Requires a minimum loan amount of $12,000. Best rates as of 10/16/2026; may be higher based on credit history. Estimated monthly payment is $19.50 per $1,000 borrowed for 66 months at 9.48% APR. Fixed rate type. |
| up to 75 months | 10.48% | Model years 2023 and newer. Requires a loan amount of $25,000 and above. Best rates as of 10/16/2026; may be higher based on credit history. Estimated monthly payment is $18.23 per $1,000 borrowed for 75 months at 10.48% APR. Fixed rate type. |
Sources (1)
- calcoastcu.org/other-vehicle-rates · captured Oct 16, 2026
Who can join California Coast 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 open to anyone who lives or works in San Diego, Riverside, Orange, Los Angeles, Ventura, Imperial, or San Bernardino counties.
Cost to join
- A one-time $5 membership fee and a savings account are required for membership.
Membership information collected October 5, 2026.