Credit union · NCUA insured
Community First Credit Union Auto Loan Rates
Community First Credit Union auto loans start at 4.59% APR for a new vehicle and 5.39% for a used one. Rates checked October 16, 2026.
How Community First Credit Union’s auto loan rates compare
Compared with banks and credit unions near Santa Rosa, CA, where Community First Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Community First Credit Union
4.59%APR
- Terms
- 24–60 months
- Up to
- 14.14% APR
New Auto Loan
2nd-lowest rate
Redwood Credit Union
4.89%APR
- Terms
- up to 60 months
- Up to
- —
3rd-lowest rate
First Tech Federal Credit Union
4.99%APR
- Terms
- up to 65 months
- Up to
- —
Community First Credit Union auto loan score
85
Auto loan score
Higher than 71% of U.S. banks and credit unions
- New vehicleNew4.59%
- Used vehicleUsed5.39%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Community First 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 Auto Loan
Must be titled in California. Actual APR is determined by individual credit rating, collateral information, and ability to pay. Financed values determined from MSRP. Mileage over 100K add 1%; Vehicles more than 10 yrs add 1% (subject to underwriter approval).
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.49%–13.24% | Lowest APR requires credit score 720+; highest APR for credit score <600. |
| 24–60 months | 4.59%–14.14% | Lowest APR requires credit score 720+; highest APR for credit score <600. Payment sample: 60 Month Term per $1000 borrowed: $18.98 at 5.24%. |
| 61–72 months | 4.89%–14.54% | Lowest APR requires credit score 720+; highest APR for credit score <600. |
| 73–84 months | 5.39%–14.94% | Lowest APR requires credit score 720+; highest APR for credit score <600. |
| 85–96 months | 6.04%–7.09% | Lowest APR requires credit score 720+; highest APR for credit score 700+. Tiers below 700 are N/A. |
Sources (2)
All captured Oct 16, 2026
Used Auto Loan
Must be titled in California. Actual APR is determined by individual credit rating, collateral information, and ability to pay. Financed values determined from Kelly Blue Book retail. Up to 90 days before first payment for qualified borrowers. Existing CFCU loans not eligible for refinance. Mileage over 100K or vehicles more than 10 yrs add 1% (subject to underwriter approval).
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.84%–13.74% | Lowest APR requires credit score 720+; highest APR for credit score <600. Up to 90 days before first payment for qualified borrowers. |
| 37–60 months | 5.39%–14.59% | Lowest APR requires credit score 720+; highest APR for credit score <600. |
| 61–72 months | 5.69%–15.04% | Lowest APR requires credit score 720+; highest APR for credit score <600. |
| 73–84 months | 6.19%–15.29% | Lowest APR requires credit score 720+; highest APR for credit score <600. |
Sources (3)
All captured Oct 16, 2026
Who can join Community First 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, worship, or go to school in Humboldt, Lake, Marin, Mendocino, Napa, Sonoma, or Trinity County are eligible to join.
Family and household
- Individuals who have an immediate relative who lives, works, worships, or goes to school in Humboldt, Lake, Marin, Mendocino, Napa, Sonoma, or Trinity County are eligible to join.
Cost to join
- A minimum opening deposit of $25 is required to open an account.
Membership information collected October 5, 2026.