Credit union · NCUA insured
Denocos Federal Credit Union Auto Loan Rates
Denocos Federal Credit Union auto loans start at 4.99% APR for a new vehicle and 4.99% for a used one. Rates checked November 6, 2026.
How Denocos Federal Credit Union’s auto loan rates compare
New vehicle, lowest advertised APR. The lowest rate among banks and credit unions with branches in each area.
This credit union’s lowest
Denocos Federal Credit Union
4.99%APR
- Terms
- up to 84 months
- Up to
- 18.00% APR
New Vehicle Loans
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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 Equity Loans
Auto Equity Loans are secured by a vehicle. The proceeds can be used for any purpose. Maximum loan percentage is 110% of the Kelly Blue Book Retail Value. Any amount currently owing on the vehicle must be paid off with the remaining proceeds available to the member. Membership serves employees of Del Norte County Schools and their immediate families.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.99%–18.00% | Fixed rate. Rates shown are interest rates; APR is slightly higher. Actual rates based on FICO score (4.99% for 750 & Above to 18.00% for 605-619). |
| up to 48 months | 4.99%–18.00% | Fixed rate. Rates shown are interest rates; APR is slightly higher. Actual rates based on FICO score (4.99% for 750 & Above to 18.00% for 605-619). |
| up to 60 months | 4.99%–18.00% | Fixed rate. Rates shown are interest rates; APR is slightly higher. Actual rates based on FICO score (4.99% for 750 & Above to 18.00% for 605-619). |
| up to 72 months | 5.49%–18.00% | Fixed rate. Rates shown are interest rates; APR is slightly higher. Actual rates based on FICO score (5.49% for 750 & Above to 18.00% for 605-619). |
| up to 84 months | 5.99%–18.00% | Fixed rate. Rates shown are interest rates; APR is slightly higher. Actual rates based on FICO score (5.99% for 750 & Above to 18.00% for 605-619). |
Sources (1)
- denocos.com/loans · captured Nov 6, 2026
Motorcycle & Boat Loans
Motorcycle loans are for the purchase or refinance of new or used motorcycles. Maximum loan amount on new motorcycles is purchase price plus fees; on used motorcycles maximum is 100% of Kelley Blue Book Wholesale Value or purchase price plus fees, whichever is lower. Membership serves employees of Del Norte County Schools and their immediate families.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 7.00%–9.50% | Fixed rate. Rates shown are interest rates; APR is slightly higher. Actual rates based on FICO score (7.00% for 750 & Above to 9.50% for 675-699; lower tiers N/A). Applicable to new or used motorcycles. |
| up to 48 months | 7.00%–9.50% | Fixed rate. Rates shown are interest rates; APR is slightly higher. Actual rates based on FICO score (7.00% for 750 & Above to 9.50% for 675-699; lower tiers N/A). Applicable to new or used motorcycles. |
| up to 60 months | 7.00%–9.50% | Fixed rate. Rates shown are interest rates; APR is slightly higher. Actual rates based on FICO score (7.00% for 750 & Above to 9.50% for 675-699; lower tiers N/A). Applicable to new or used motorcycles. |
Sources (1)
- denocos.com/loans · captured Nov 6, 2026
New Vehicle Loans
New vehicles are vehicles that have never been registered or have under 20,000 miles. Maximum loan amount is 110% of the purchase price. Membership serves employees of Del Norte County Schools and their immediate families.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.99%–18.00% | Fixed rate. Rates shown are interest rates; APR is slightly higher. Actual rates based on FICO score (3.99% for 750 & Above to 18.00% for 605-619). |
| up to 48 months | 3.99%–18.00% | Fixed rate. Rates shown are interest rates; APR is slightly higher. Actual rates based on FICO score (3.99% for 750 & Above to 18.00% for 605-619). |
| up to 72 months | 4.99%–18.00% | Fixed rate. Rates shown are interest rates; APR is slightly higher. Actual rates based on FICO score (4.99% for 750 & Above to 18.00% for 605-619). |
| up to 84 months | 4.99%–18.00% | Fixed rate. Rates shown are interest rates; APR is slightly higher. Actual rates based on FICO score (4.99% for 750 & Above to 18.00% for 605-619). |
Sources (1)
- denocos.com/loans · captured Nov 6, 2026
Used Vehicle Loans
Used vehicle loans are for purchasing or refinancing a used vehicle. Maximum loan percentage is 110% of the Kelley Blue Book Value or, if less, the purchase price plus fees. Membership serves employees of Del Norte County Schools and their immediate families.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.99%–18.00% | Fixed rate. Rates shown are interest rates; APR is slightly higher. Actual rates based on FICO score (4.99% for 750 & Above to 18.00% for 605-619). |
| up to 48 months | 4.99%–18.00% | Fixed rate. Rates shown are interest rates; APR is slightly higher. Actual rates based on FICO score (4.99% for 750 & Above to 18.00% for 605-619). |
| up to 60 months | 4.99%–18.00% | Fixed rate. Rates shown are interest rates; APR is slightly higher. Actual rates based on FICO score (4.99% for 750 & Above to 18.00% for 605-619). |
| up to 72 months | 5.49%–18.00% | Fixed rate. Rates shown are interest rates; APR is slightly higher. Actual rates based on FICO score (5.49% for 750 & Above to 18.00% for 605-619). |
| up to 84 months | 5.99%–18.00% | Fixed rate. Rates shown are interest rates; APR is slightly higher. Actual rates based on FICO score (5.99% for 750 & Above to 18.00% for 605-619). |
Sources (1)
- denocos.com/loans · captured Nov 6, 2026
Denocos Federal Credit Union auto loan score
84
Auto loan score
Higher than 66% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed4.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Who can join Denocos 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 of Del Norte County Schools, Denocos Federal Credit Union, and College of the Redwoods who work in Del Norte County, California are eligible for membership.
- Persons retired from qualifying employment with Del Norte County Schools, Denocos Federal Credit Union, or College of the Redwoods in Del Norte County are eligible to join.
- Students registered and attending public schools supervised by the Del Norte County Superintendent of Schools in Del Norte County, as well as College of the Redwoods students attending school in Del Norte County, are eligible to join.
- Members of the Board of Education and Trustees of accredited or licensed schools under the jurisdiction of the Del Norte County Superintendent of Schools in Del Norte County, California are eligible for membership.
Family and household
- Immediate family members and household members of eligible employees, trustees, and retirees, as well as surviving spouses of persons who died while within the field of membership, are eligible to join.
Other ways
- Organizations of eligible members are eligible to join.
Membership information collected October 5, 2026.