Credit union · NCUA insured
Delta Schools Federal Credit Union Auto Loan Rates
Delta Schools Federal Credit Union auto loans start at 4.74% APR for a new vehicle and 5.29% for a used one. Rates checked October 16, 2026.
How Delta Schools Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near San Francisco, CA, where Delta Schools Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Delta Schools Federal Credit Union
4.74%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- None included
New Vehicles
Lowest rate
Utility District Credit Union
3.50%APR
- Terms
- up to 60 months
- Up to
- 13.00% APR
- Discount
- None included
2nd-lowest rate
F3 Credit Union
3.74%APR
- Terms
- up to 72 months
- Up to
- —
- Discount
- Included in the rate
Delta Schools Federal Credit Union auto loan score
85
Auto loan score
Higher than 69% of U.S. banks and credit unions
- New vehicleNew4.74%
- Used vehicleUsed5.29%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Delta 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.
Classic Used Vehicles
Model Years 1972 and older. Finance 75% of appraised value or verifiable NADA value. Credit union must view the car and have pictures for the file.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 6.99% | Model Year 1972 and Older |
| up to 48 months | 7.54% | Model Year 1972 and Older |
| up to 60 months | 7.54% | Model Year 1972 and Older |
| up to 72 months | 7.79% | Model Year 1972 and Older |
New Vehicles
Applies to Model Year 2025-2026 / current or previous model year. Financing available up to 100% of the purchase price including tax, license, MBI (Mechanical Breakdown Insurance), and GAP insurance.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.99% | Model Year 2025-2026 |
| up to 48 months | 4.74% | Model Year 2025-2026 |
| up to 60 months | 4.74% | Model Year 2025-2026 |
| up to 72 months | 4.74% | Model Year 2025-2026; minimum loan \u2013 $20,000 |
| up to 84 months | 5.19% | Model Year 2025-2026; minimum loan $25,000 |
| up to 96 months | 7.39% | Model Year 2025-2026; minimum loan $45,000; A+ and A credit tier only |
Older Used Vehicles
Model Years 2015-2019. Financing available for up to 100% of Mid Kelley Blue Book, plus tax, license, MBI (Mechanical Breakdown Insurance) and Gap insurance.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 7.24% | Model Year 2015-2019 |
| up to 48 months | 8.24% | Model Year 2015-2019 |
| up to 60 months | 8.24% | Model Year 2015-2019 |
Used Vehicles
Model Years 2020-2024. Financing available for up to 100% of High Kelley Blue Book, plus tax, license, MBI (Mechanical Breakdown Insurance) and Gap insurance.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.19% | Model Year 2020-2024 |
| up to 48 months | 5.19% | Model Year 2020-2024 |
| up to 60 months | 5.29% | Model Year 2020-2024 |
| up to 72 months | 5.29% | Model Year 2020-2024; minimum loan $20,000 |
| up to 84 months | 5.59% | Model Year 2020-2024; minimum loan $25,000 |
Who can join Delta Schools Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Employees, retirees, students, and student organizations of Antioch Unified School District are eligible for membership.
- Individuals affiliated with Oakley Union Elementary, Brentwood Union, Knightsen Elementary, and Byron Union School Districts are eligible for membership.
Family and household
- Immediate family members of employees/retirees and family members of students of Antioch Unified School District are eligible for membership.
Membership information collected October 5, 2026.