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Credit union · NCUA insured

Desert Valleys Federal Credit Union Auto Loan Rates

Top Carrot, Carrot Score 93Top Carrot

Desert Valleys Federal Credit Union auto loans start at 3.50% APR for a new vehicle and 4.50% for a used one. Rates checked October 16, 2026.

How Desert Valleys Federal Credit Union’s auto loan rates compare

Compared with banks and credit unions near Bakersfield, CA, where Desert Valleys Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.

  • Top Carrot, Carrot Score 93

    This credit union’s lowest

    Desert Valleys Federal Credit Union

    3.50%APR

    Terms
    up to 84 months

    New Auto

  • Top Carrot, Carrot Score 88

    2nd-lowest rate

    Navy Federal Credit Union

    4.29%APR

    Terms
    37–60 months

    Navy Federal Credit Union rates

  • Top Carrot, Carrot Score 92

    3rd-lowest rate

    Firefighters First Credit Union

    4.49%APR

    Terms
    up to 60 months

    Firefighters First Credit Union rates

Compare auto loan rates near you →

Desert Valleys Federal Credit Union auto loan score

94

Auto loan score

Higher than 96% of U.S. banks and credit unions

By vehicle
  • New vehicleNew3.50%
  • Used vehicleUsed4.50%

Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.

How the score works →

Where Desert Valleys 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.

Who can join Desert Valleys Federal Credit Union

We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.

Visit institution website ↗Branches and institution details
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