Credit union · NCUA insured
Certified Federal Credit Union Auto Loan Rates
Top CarrotCertified Federal Credit Union auto loans start at 4.49% APR for a new vehicle and 4.49% for a used one. Rates checked October 16, 2026.
How Certified Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Los Angeles, CA, where Certified Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Certified Federal Credit Union
4.49%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
New + Used Auto 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
Certified Federal Credit Union auto loan score
87
Auto loan score
Higher than 80% of U.S. banks and credit unions
- New vehicleNew4.49%
- Used vehicleUsed4.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Certified 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.
New + Used Auto Loans
Maximum vehicle age cannot exceed 12 model years and 175,000 odometer miles. Financing available up to 125% LTV (includes tax, license, MBI, and GAP); loans over 125% LTV are subject to a rate increase of up to 2.00%. Maximum discount of 1% off qualified rate: 0.25% for net direct deposit, 0.25% for automatic payments, 0.50% for financing 100% LTV or less, and 0.50% for purchasing a full-electric or alternative fuel vehicle. Advertised rates are based on a Premier FICO score of 750+ and include rate discounts.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.99% | Posted rate includes discounts of 0.50% for financing 100% LTV or less, 0.25% for automatic payment, and 0.25% for net direct deposit. Advertised rate based on Premier FICO score of 750+. Monthly payment is $29.52 per $1,000 financed. |
| up to 48 months | 4.49% | Posted rate includes discounts of 0.50% for financing 100% LTV or less, 0.25% for automatic payment, and 0.25% for net direct deposit. Advertised rate based on Premier FICO score of 750+. Monthly payment is $22.80 per $1,000 financed. |
| up to 60 months | 4.49% | Posted rate includes discounts of 0.50% for financing 100% LTV or less, 0.25% for automatic payment, and 0.25% for net direct deposit. Advertised rate based on Premier FICO score of 750+. Monthly payment is $18.64 per $1,000 financed. |
| up to 72 months | 4.99% | Minimum loan amount of $15,000 for 72-month term. Posted rate includes discounts of 0.50% for financing 100% LTV or less, 0.25% for automatic payment, and 0.25% for net direct deposit. Advertised rate based on Premier FICO score of 750+. Monthly payment is $16.10 per $1,000 financed. |
| up to 84 months | 5.49% | Minimum loan amount of $25,000 for 84-month term. Posted rate includes discounts of 0.50% for financing 100% LTV or less, 0.25% for automatic payment, and 0.25% for net direct deposit. Advertised rate based on Premier FICO score of 750+. Monthly payment is $14.37 per $1,000 financed. |
Sources (2)
All captured Oct 7, 2026
Who can join Certified Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Associates of participating grocery retailers are eligible for membership.
Family and household
- Family and household members of eligible grocery retailer associates and members are eligible for membership.
Cost to join
- There is no deposit required to join and no monthly fee.
Membership information collected October 5, 2026.