Credit union · NCUA insured
Central State Credit Union Auto Loan Rates
Central State Credit Union auto loans start at 4.49% APR for a new vehicle and 4.74% for a used one. Rates checked October 16, 2026.
How Central State Credit Union’s auto loan rates compare
Compared with banks and credit unions near Stockton, CA, where Central State Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Central State Credit Union
4.49%APR
- Terms
- up to 84 months
- Discount
- None included
New Vehicle Loan: Model Year 2026
2nd-lowest rate
Certified Federal Credit Union
4.49%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
3rd-lowest rate
Golden Valley Federal Credit Union
4.75%APR
- Terms
- 49–60 months
- Discount
- None included
Central State Credit Union auto loan score
88
Auto loan score
Higher than 85% of U.S. banks and credit unions
- New vehicleNew4.49%
- 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 Central State 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.
New Car Loan
Rates vary with amount financed, term and your credit history. 90-day deferral of first payment is available (1,2, and 3 Tiers only). Terms up to 84 months on new and used vehicles Maximum total advance up to 115% Payment deferral up to 90 days on new and used vehicles
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.49%–12.49% | Rates vary with amount financed, term and your credit history. 90-day deferral of first payment is available (1,2, and 3 Tiers only). Terms up to 84 months on new and used vehicles Maximum total advance up to 115% Payment deferral up to 90 days on new and used vehicles |
Sources (1)
- centralstatecu.org/auto/loans · captured Oct 16, 2026
New Vehicle Loan: Model Year 2026
Terms up to 84 months. Maximum Total Advance 115% - Max. LTV of MSRP or Retail KBB includes tax, license, Docs, Negative Trade and Warranty. To qualify for this rate, borrowers need 12 months of paid-as-agreed credit repayment history with the CU, plus auto debit/payment and/or ACH credit to their account monthly, OR a Loan-to-Value (LTV) of 80% or less. Rates vary with amount financed, term and your credit history. 90-day deferral of first payment is available (1,2, and 3 Tiers only).
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.49% | Terms up to 84 months. Maximum Total Advance 115% - Max. LTV of MSRP or Retail KBB includes tax, license, Docs, Negative Trade and Warranty. To qualify for this rate, borrowers need 12 months of paid-as-agreed credit repayment history with the CU, plus auto debit/payment and/or ACH credit to their account monthly, OR a Loan-to-Value (LTV) of 80% or less. Rates vary with amount financed, term and your credit history. 90-day deferral of first payment is available (1,2, and 3 Tiers only). |
Sources (1)
- centralstatecu.org/rates · captured Oct 16, 2026
Used Auto Loan: Model Year 2018 and Newer
Terms up to 84 months. Maximum Total Advance 115% - Max. LTV of MSRP or Retail KBB includes tax, license, Docs, Negative Trade, and Warranty. To qualify for this rate, borrowers need 12 months of paid-as-agreed credit repayment history with the CU, plus auto debit/payment and/or ACH credit to their account monthly, OR a Loan-to-Value (LTV) of 80% or less. Rates vary with amount financed, term and your credit history. 90-day deferral of first payment is available (1,2, and 3 Tiers only).
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.74% | Terms up to 84 months. Maximum Total Advance 115% - Max. LTV of MSRP or Retail KBB includes tax, license, Docs, Negative Trade, and Warranty. To qualify for this rate, borrowers need 12 months of paid-as-agreed credit repayment history with the CU, plus auto debit/payment and/or ACH credit to their account monthly, OR a Loan-to-Value (LTV) of 80% or less. Rates vary with amount financed, term and your credit history. 90-day deferral of first payment is available (1,2, and 3 Tiers only). |
Sources (1)
- centralstatecu.org/rates · captured Oct 16, 2026
Used Auto Loan: Model Years 2015-2017
Terms up to 66 months. Maximum Total Advance up to 90% - Max LTV of MSRP of Retail KBB includes tax, license, Docs, Negative Trade and Warranty. To qualify for this rate, borrowers need 12 months of paid-as-agreed credit repayment history with the CU, plus auto debit/payment and/or ACH credit to their account monthly, OR a Loan-to-Value (LTV) of 80% or less. Rates vary with amount financed, term and your credit history. 90-day deferral of first payment is available (1,2, and 3 Tiers only).
| Terms | APR | Conditions |
|---|---|---|
| up to 66 months | 4.74% | Terms up to 66 months. Maximum Total Advance up to 90% - Max LTV of MSRP of Retail KBB includes tax, license, Docs, Negative Trade and Warranty. To qualify for this rate, borrowers need 12 months of paid-as-agreed credit repayment history with the CU, plus auto debit/payment and/or ACH credit to their account monthly, OR a Loan-to-Value (LTV) of 80% or less. Rates vary with amount financed, term and your credit history. 90-day deferral of first payment is available (1,2, and 3 Tiers only). |
Sources (1)
- centralstatecu.org/rates · captured Oct 16, 2026
Used Car Loan
Rates vary with amount financed, term and your credit history. 90-day deferral of first payment is available (1,2, and 3 Tiers only). Terms up to 84 months on new and used vehicles Maximum total advance up to 115% Payment deferral up to 90 days on new and used vehicles
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.74%–12.79% | Rates vary with amount financed, term and your credit history. 90-day deferral of first payment is available (1,2, and 3 Tiers only). Terms up to 84 months on new and used vehicles Maximum total advance up to 115% Payment deferral up to 90 days on new and used vehicles |
Sources (1)
- centralstatecu.org/auto/loans · captured Oct 16, 2026
Who can join Central State Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, or worship in San Joaquin, Stanislaus, Tuolumne, Amador, or Calaveras Counties qualify for membership.
Military, government and schools
- State employees in San Joaquin, Stanislaus, Tuolumne, Amador, Solano, Alpine, Merced, Mariposa, or Calaveras Counties qualify for membership.
Family and household
- Relatives of members are eligible to join Central State Credit Union.
Cost to join
- A minimum opening deposit of $5 is required to open a CSCU savings account.
Membership information collected October 5, 2026.