Credit union · NCUA insured
Chaffey Federal Credit Union Auto Loan Rates
Chaffey Federal Credit Union auto loans start at 4.69% APR for a new vehicle and 5.59% for a used one. Rates checked October 16, 2026.
How Chaffey Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Riverside, CA, where Chaffey Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Chaffey Federal Credit Union
4.69%APR
- Terms
- up to 66 months
- Up to
- 17.99% APR
- Discount
- Included in the rate
Fixed Rate New and Used Auto Loans
Lowest rate
Thinkwise Credit Union
3.49%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- None included
2nd-lowest rate
Collegedale Credit Union
3.89%APR
- Terms
- —
- Up to
- —
- Discount
- None included
Chaffey Federal Credit Union auto loan score
73
Auto loan score
Higher than 34% of U.S. banks and credit unions
- New vehicleNew4.69%
- Used vehicleUsed5.59%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Chaffey 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.
Fixed Rate New and Used Auto Loans
Loans contingent on membership status; field of membership requirements apply. No application, funding, or prepayment fees. Rates include a 0.50% discount for automatic payment.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.39%–17.99% | New vehicles; includes 0.50% discount for automatic payment |
| up to 54 months | 4.59%–17.99% | New vehicles; includes 0.50% discount for automatic payment |
| up to 66 months | 4.69%–17.99% | New vehicles; includes 0.50% discount for automatic payment |
| up to 78 months | 4.89%–17.99% | New vehicles; includes 0.50% discount for automatic payment |
| up to 84 months | 5.64%–17.99% | New vehicles; includes 0.50% discount for automatic payment |
| up to 36 months | 4.99%–17.99% | Used vehicles; includes 0.50% discount for automatic payment |
| up to 54 months | 5.19%–17.99% | Used vehicles; includes 0.50% discount for automatic payment |
| up to 66 months | 5.59%–17.99% | Used vehicles; includes 0.50% discount for automatic payment |
| up to 78 months | 5.89%–17.99% | Used vehicles; includes 0.50% discount for automatic payment |
| up to 84 months | 6.64%–17.99% | Used vehicles; includes 0.50% discount for automatic payment |
Fixed Rate New and Used Motorcycle Loans
Rates include a 0.50% discount for automatic payment. Loan approval is subject to credit and income evaluation.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 7.99%–17.99% | Motorcycles (new and used); includes 0.50% discount for automatic payment |
| up to 54 months | 8.19%–17.99% | Motorcycles (new and used); includes 0.50% discount for automatic payment |
| up to 66 months | 8.39%–17.99% | Motorcycles (new and used); includes 0.50% discount for automatic payment |
| up to 78 months | 10.19%–17.99% | Motorcycles (new and used); includes 0.50% discount for automatic payment |
Sources (1)
- chaffey.com/loan-rates · captured Oct 6, 2026
Who can join Chaffey Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to individuals who live, work or regularly conduct business in, attend school, or worship in specified Census Tracts across southwestern San Bernardino and eastern Los Angeles County communities.
- Membership is open to individuals who are volunteers in the community outlined by Chaffey FCU census tracts.
Employers and groups
- Membership remains open to employees of schools and Select Employer Groups (SEGs) previously included in Chaffey FCU's Field of Membership.
Family and household
- Membership is open to individuals who have an immediate family or household member that is already a CFCU Member or lives within the Field of Membership.
- Membership is open to spouses of persons who have passed away within the Field of Membership.
Other ways
- Membership is open to organizations of eligible persons.
Membership information collected October 5, 2026.