Credit union · NCUA insured
County Schools Federal Credit Union Auto Loan Rates
County Schools Federal Credit Union auto loans start at 4.99% APR for a new vehicle and 5.74% for a used one. Rates checked October 16, 2026.
How County Schools Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Oxnard, CA, where County Schools Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
County Schools Federal Credit Union
4.99%APR
- Terms
- 49–60 months
New Car Loans
Lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
2nd-lowest rate
BCU
4.34%APR
- Terms
- 37–75 months
County Schools Federal Credit Union auto loan score
79
Auto loan score
Higher than 48% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed5.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where County Schools 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 Car Loans
Rates as low as stated reflect a 0.25% discount for loans with a loan-to-value (LTV) ratio of 80% or less. Rates, terms, and conditions vary based on creditworthiness, qualifications, and collateral conditions. Amount financed up to 135% MSRP.
| Terms | APR | Conditions |
|---|---|---|
| 24–48 months | 4.74% | Amount financed up to 135% MSRP. 'As low as' APR reflects a 0.25% discount for loans with a loan-to-value ratio of 80% or less. |
| 49–60 months | 4.99% | Amount financed up to 135% MSRP. 'As low as' APR reflects a 0.25% discount for loans with a loan-to-value ratio of 80% or less. |
| 61–72 months | 5.24% | Amount financed up to 135% MSRP. 'As low as' APR reflects a 0.25% discount for loans with a loan-to-value ratio of 80% or less. |
| 73–84 months | 5.49% | Amount financed up to 135% MSRP. 'As low as' APR reflects a 0.25% discount for loans with a loan-to-value ratio of 80% or less. |
Sources (1)
- csfcu.org/loan-rates · captured Oct 16, 2026
Used Car Loans
Rates as low as stated reflect a 0.25% discount for loans with a loan-to-value (LTV) ratio of 80% or less. Rates, terms, and conditions vary based on creditworthiness, qualifications, and collateral conditions. Amount financed up to 135% JD Power Value.
| Terms | APR | Conditions |
|---|---|---|
| 24–48 months | 5.49% | Amount financed up to 135% JD Power Value. 'As low as' APR reflects a 0.25% discount for loans with a loan-to-value ratio of 80% or less. |
| 49–60 months | 5.74% | Amount financed up to 135% JD Power Value. 'As low as' APR reflects a 0.25% discount for loans with a loan-to-value ratio of 80% or less. |
| 61–72 months | 5.99% | Amount financed up to 135% JD Power Value. 'As low as' APR reflects a 0.25% discount for loans with a loan-to-value ratio of 80% or less. |
| 73–84 months | 6.49% | Amount financed up to 135% JD Power Value. 'As low as' APR reflects a 0.25% discount for loans with a loan-to-value ratio of 80% or less. |
Sources (1)
- csfcu.org/loan-rates · captured Oct 16, 2026
Who can join County Schools Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Members of Select Employee Groups are eligible to join.
Military, government and schools
- Students, faculty, and staff of all Ventura County schools, colleges, trade schools, and universities are eligible to join.
Family and household
- Immediate families of students, faculty, and staff of Ventura County schools, colleges, trade schools, and universities are eligible to join.
Other ways
- Supporters of local education like PTO donors are eligible to join.
Membership information collected October 5, 2026.