Credit union · NCUA insured
Compass Community Credit Union Auto Loan Rates
Compass Community Credit Union auto loans start at 5.24% APR for a new vehicle and 5.24% for a used one. Rates checked October 16, 2026.
How Compass Community Credit Union’s auto loan rates compare
Compared with banks and credit unions near Eureka, CA, where Compass Community Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Compass Community Credit Union
5.24%APR
- Terms
- up to 60 months
- Up to
- —
Auto Loans (2022 or newer)
Lowest rate
Community First Credit Union
4.59%APR
- Terms
- 24–60 months
- Up to
- 14.14% APR
2nd-lowest rate
Coast Central Credit Union
5.24%APR
- Terms
- up to 84 months
- Up to
- —
Compass Community Credit Union auto loan score
79
Auto loan score
Higher than 48% of U.S. banks and credit unions
- New vehicleNew5.24%
- Used vehicleUsed5.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Compass Community 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.
Auto Loan Cash Back Special
Current Compass CCU loans not eligible. Subject to credit approval. 1% cash rebate offer based on loan balance (max rebate $475, $5,000 minimum loan balance required). If closed within 24 months of open date, reimbursement of rebate added to payoff balance. No payments for 60 days.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.99% | 36-month maximum term for 3.99% APR. Other rates and terms available. |
Sources (1)
- compassccu.org/promotion/auto-loan · captured Sep 25, 2026
Auto Loans (2016-2019)
Finance up to 125% maximum loan-to-value (LTV) which is MSRP/Retail Kelley Blue Book/NADA Value. The maximum LTV includes tax, title, and license. Subject to credit approval. Autos older than 2016 will be considered on a case-by-case basis.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 6.99% | Maximum term 36 months. |
| up to 48 months | 7.24% | Maximum term 48 months. |
| up to 60 months | 7.49% | Maximum term 60 months. |
| up to 72 months | 7.99% | Maximum term 72 months. |
| up to 84 months | 8.99% | Maximum term 84 months. Minimum $20,000 loan amount. |
Sources (1)
- compassccu.org/rates/auto-loan-rates · captured Oct 6, 2026
Auto Loans (2020-2021)
Finance up to 125% maximum loan-to-value (LTV) which is MSRP/Retail Kelley Blue Book/NADA Value. The maximum LTV includes tax, title, and license. Subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.74% | Maximum term 36 months. |
| up to 48 months | 5.79% | Maximum term 48 months. |
| up to 60 months | 5.99% | Maximum term 60 months. |
| up to 72 months | 6.24% | Maximum term 72 months. |
| up to 84 months | 6.99% | Maximum term 84 months. Minimum $20,000 loan amount. |
Sources (1)
- compassccu.org/rates/auto-loan-rates · captured Oct 6, 2026
Auto Loans (2022 or newer)
Finance up to 125% maximum loan-to-value (LTV) which is MSRP/Retail Kelley Blue Book/NADA Value. The maximum LTV includes tax, title, and license.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.99% | Maximum term 36 months. |
| up to 48 months | 4.99% | Maximum term 48 months. |
| up to 60 months | 5.24% | Maximum term 60 months. |
| up to 72 months | 5.74% | Maximum term 72 months. |
| up to 84 months | 6.49% | Maximum term 84 months. Minimum $20,000 loan amount. |
Sources (1)
- compassccu.org/rates/auto-loan-rates · captured Oct 6, 2026
Who can join Compass Community Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- You can join if you live, work, or worship in Humboldt, Del Norte, or Trinity County in CA.
Military, government and schools
- Cal Poly Humboldt (formerly Humboldt State University) students and staff are eligible to join.
Family and household
- Family members can also join.
Cost to join
- Open a savings account with as little as $5 to receive all the benefits of membership.
- Membership is free.
Membership information collected October 5, 2026.