Credit union · NCUA insured
Caltech Employees Federal Credit Union Auto Loan Rates
Caltech Employees Federal Credit Union auto loans start at 4.49% APR for a new vehicle and 4.89% for a used one. Rates checked October 16, 2026.
How Caltech Employees Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Los Angeles, CA, where Caltech Employees Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Caltech Employees Federal Credit Union
4.49%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
2nd-lowest rate
United Catholics Federal CU
3.75%APR
- Terms
- up to 84 months
- Discount
- Included in the rate
Caltech Employees Federal Credit Union auto loan score
69
Auto loan score
Higher than 25% of U.S. banks and credit unions
- New vehicleNew4.49%
- Used vehicleUsed4.89%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Caltech Employees 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
All loans subject to credit approval. Rates subject to change without notice. Financing based on retail value or purchase price plus tax, license, and documentation fees. Lower rate or refinancing option does not apply to current CEFCU loans or any vehicles that have been financed by CEFCU in the past 12 months. Maximum deductible allowed on auto comprehensive and collision insurance is $1,000.00. Rates and terms apply to cars and trucks (purchase and refinance).
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.19% | Rate includes 1.00% rate discount for payment by Automatic Transfer. Current & prior 5 years. 100% Financing. |
| up to 60 months | 4.49% | Rate includes 1.00% rate discount for payment by Automatic Transfer. Current & prior 5 years. 100% Financing. |
| up to 72 months | 4.89% | Rate includes 1.00% rate discount for payment by Automatic Transfer. Current & prior 5 years. 100% Financing. |
| up to 84 months | 5.49% | Rate includes 1.00% rate discount for payment by Automatic Transfer. Current & prior 5 years. 100% Financing. |
| up to 60 months | 4.89% | Rate includes 1.00% rate discount for payment by Automatic Transfer. 6 years & older. 80% Financing. |
Sources (1)
- caltechefcu.org/home/products/lending/vehicle · captured Oct 7, 2026
Who can join Caltech Employees Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of California Association for Research in Astronomy (CARA) are eligible for membership.
- Employees of the Carnegie Institute of Washington located in Pasadena and Palomar are eligible for membership.
- Independent contractors and documented volunteers who work regularly for a sponsor facility are eligible for membership.
- Employees of Foldax are eligible for membership.
- Employees of Helicity Space are eligible for membership.
- Employees and registered volunteers (docents) of The Huntington Library, Art Collections, and Botanical Gardens are eligible for membership.
11 more ways to join
Employers and groups
- Employees of Thirty Meter Telescope (TMT) are eligible for membership.
- Employees of Virtualitics Inc. are eligible for membership.
Military, government and schools
- The Associates of the California Institute of Technology are eligible for membership.
- Members of the Caltech Alumni Association are eligible for membership.
- Employees of the California Institute of Technology who work at the Campus, Jet Propulsion Laboratory (JPL), Mt. Wilson, Mt. Palomar are eligible for membership.
- Registered graduate and undergraduate students of Caltech are eligible for membership.
- Faculty, administration and students of the Child Educational Center (CEC) are eligible for membership.
- NASA employees at JPL are eligible for membership.
- Faculty, administration and students of the Polytechnic School are eligible for membership.
Family and household
- Immediate family members of current members (spouse, parents, children, siblings, grandparents, grandchildren by blood or marriage, or extended family / significant other living in the same household) are eligible for membership.
Other ways
- Members retired from active employment with eligible groups, unremarried spouses of deceased members, and Caltech and JPL-based clubs and organizations are eligible for membership.
Cost to join
- A minimum opening deposit of $5 is required upon opening any CEFCU Share Account.
- A one-time $5 membership fee is due upon opening any CEFCU Share Account.
Membership information collected October 5, 2026.