Credit union · NCUA insured
California Community Credit Union Auto Loan Rates
Top CarrotCalifornia Community Credit Union auto loans start at 4.79% APR for a new vehicle and 4.79% for a used one. Rates checked October 16, 2026.
How California Community Credit Union’s auto loan rates compare
Compared with banks and credit unions near Sacramento, CA, where California Community Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
California Community Credit Union
4.79%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
New and Used Auto Loans
Lowest rate
Yolo Federal Credit Union
3.84%APR
- Terms
- —
- Discount
- None included
2nd-lowest rate
Firefighters First Credit Union
4.49%APR
- Terms
- up to 60 months
- Discount
- None included
California Community Credit Union auto loan score
81
Auto loan score
Higher than 57% of U.S. banks and credit unions
- New vehicleNew4.79%
- Used vehicleUsed4.79%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where California Community 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.
First-Time Buyer
Finance up to $20,000.00, terms up to 72 months, and cash down of 10% or a qualified co-signer. Financing for vehicles from 2006 or newer. Maximum financing: Purchase price, tax, license, and Mechanical Repair Coverage (MRC), not to exceed 100% of MSRP/N.A.D.A Value, plus GAP. Not available for the refinance of existing California Community Credit Union loans. Published rates include a 0.30% APR relationship pricing discount (0.15% for active CACCU Checking Account, 0.15% for automatic payment transfer).
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 8.69% | Limit: Under $10,000.00. Rate includes 0.30% APR relationship discount. Rates tailored to credit score; best rate for Tier A (710+). Applicable to vehicles 2006 or newer. |
| up to 60 months | 8.99% | Limit: Over $10,000.00 (up to $20,000.00). Rate includes 0.30% APR relationship discount. Rates tailored to credit score; best rate for Tier A (710+). Applicable to vehicles 2006 or newer. |
| up to 72 months | 9.09% | Limit: Over $10,000.00 (up to $20,000.00). Rate includes 0.30% APR relationship discount. Rates tailored to credit score; best rate for Tier A (710+). Applicable to vehicles 2006 or newer. |
New / Used Motorcycle & Misc. Secured
Up to 100% of MSRP or Blue Book Value including tax, license and Mechanical Repair Coverage (MRC). Offer not available for the refinance of an existing California Community Motorcycle Loan. Published rate includes a 0.50% relationship pricing discount (0.15% for Active CACCU Checking Account, 0.15% for automatic payment transfer, and 0.20% for a CACCU VISA Credit card or Line of Credit).
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 6.19% | Up to 100% MSRP/N.A.D.A Value. Published rate includes a 0.50% relationship pricing discount. Rates tailored to credit score; best rate for Tier A (710+). |
Sources (1)
- caccu.org/rates · captured Oct 16, 2026
New and Used Auto Loans
Finance up to 135% MSRP/N.A.D.A. Value including tax, license, and Mechanical Repair Coverage (MRC), plus GAP. A new vehicle is defined as a current or previous model year with less than 10,000 miles. Used vehicles as old as 2006 receive the same rate as new. Rates not available for refinancing existing CACCU loans. Published rates include a 0.50% APR relationship pricing discount (0.15% for active CACCU Checking Account, 0.15% for automatic payment transfer, and 0.20% for CACCU VISA Credit Card or Line of Credit).
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.69% | Published rate includes a 0.50% APR relationship pricing discount (0.15% checking, 0.15% autopay, 0.20% credit card or line of credit). Rates tailored to credit score; best rate for Tier A (710+). Applicable to new and used vehicles (2006 or newer). |
| up to 60 months | 4.79% | Limit: $10,000 or Over. Published rate includes a 0.50% APR relationship pricing discount. Rates tailored to credit score; best rate for Tier A (710+). Applicable to new and used vehicles (2006 or newer). |
| up to 72 months | 5.09% | Limit: $15,000 or Over. Published rate includes a 0.50% APR relationship pricing discount. Rates tailored to credit score; best rate for Tier A (710+). Applicable to new and used vehicles (2006 or newer). |
| up to 84 months | 5.39% | Limit: $25,000 or Over. Published rate includes a 0.50% APR relationship pricing discount. Rates tailored to credit score; best rate for Tier A (710+). Applicable to new and used vehicles (2006 or newer). |
Who can join California Community Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.