Credit union · NCUA insured
California Credit Union Auto Loan Rates
Top CarrotCalifornia Credit Union auto loans start at 4.74% APR for a new vehicle and 4.74% for a used one. Rates checked October 16, 2026.
How California Credit Union’s auto loan rates compare
Compared with banks and credit unions near Los Angeles, CA, where California Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
California Credit Union
4.74%APR
- Terms
- up to 66 months
- Up to
- 18.00% APR
- Discount
- None included
Auto Loan
Lowest rate
Downey Federal Credit Union
3.49%APR
- Terms
- —
- Up to
- —
- Discount
- None included
2nd-lowest rate
United Catholics Federal CU
3.75%APR
- Terms
- up to 84 months
- Up to
- —
- Discount
- Included in the rate
California Credit Union auto loan score
87
Auto loan score
Higher than 80% of U.S. banks and credit unions
- New vehicleNew4.74%
- Used vehicleUsed4.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where California 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 Loan
A Share Account with $0.01 Par Value is required to establish membership. All loans subject to approval and acceptable collateral. Maximum financing is up to 120% of the MSRP/Kelley Blue Book Value. Minimum loan amount is $5,000. Does not lend on Salvaged, Lemon Law Buy Back and/or Gray Market Vehicles. Comprehensive and collision coverage with a maximum deductible of $1,000.00 must be maintained. Not available to refinance an existing California Credit Union auto loan.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.65%–18.00% | Vehicles 2016 or newer. As of July 1, 2026, payment example for qualified buyers based at 4.65% APR for 36 months per $1,000 borrowed with 90 days to first payment: 35 monthly payments of $30.04 and one final payment of $30.03. |
| up to 48 months | 4.74%–18.00% | Vehicles 2016 or newer. |
| up to 66 months | 4.74%–18.00% | Vehicles 2016 or newer. |
| up to 72 months | 5.24%–18.00% | Vehicles 2021 or newer. |
| up to 84 months | 6.24%–18.00% | Vehicles 2024 or newer. |
Auto Loan Refinancing
A Share Account with $0.01 Par Value is required to establish membership. All loans subject to approval and acceptable collateral. Comprehensive and collision coverage with a maximum deductible of $1,000.00 must be maintained for the term of the loan. Not available to refinance an existing California Credit Union or North Island Credit Union auto loan.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.65%–18.00% | Vehicles 2016 or newer. Payment example based at 4.65% APR for 36 months per $1,000 borrowed with 90 days to first payment. |
| up to 48 months | 4.74%–18.00% | Vehicles 2016 or newer. |
| up to 66 months | 4.74%–18.00% | Vehicles 2016 or newer. |
| up to 72 months | 5.24%–18.00% | Vehicles 2021 or newer. |
| up to 84 months | 6.24%–18.00% | Vehicles 2024 or newer. |
Sources (2)
All captured Oct 6, 2026
Who can join California Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Anyone can join through a complimentary membership in the American Consumer Council.
Employers and groups
- Membership is open to any employee, retiree (pensioner or annuitant), or unpaid volunteer of a Partner Organization.
Family and household
- Membership is open to any immediate family, spouse, partner, or household member of a California Credit Union member.
Membership information collected October 5, 2026.