Credit union · NCUA insured
E-Central Credit Union Auto Loan Rates
E-Central Credit Union auto loans start at 6.24% APR for a new vehicle and 6.24% for a used one. Rates checked October 16, 2026.
How E-Central Credit Union’s auto loan rates compare
Compared with banks and credit unions near Los Angeles, CA, where E-Central Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
E-Central Credit Union
6.24%APR
- Terms
- up to 60 months
- Discount
- None included
New Auto Loan
Lowest rate
Downey Federal Credit Union
3.49%APR
- Terms
- —
- Discount
- None included
2nd-lowest rate
United Catholics Federal CU
3.75%APR
- Terms
- up to 84 months
- Discount
- Included in the rate
E-Central Credit Union auto loan score
65
Auto loan score
Higher than 13% of U.S. banks and credit unions
- New vehicleNew6.24%
- Used vehicleUsed6.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where E-Central 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 Auto Loan
Finances up to 115% of MSRP. Rates listed are 'as low as' rates on approved credit without underwriting exceptions. Rate discounts are based on overall account balance relationship, past loan relationships, length of membership, collateral age, loan-to-value percentage, and down payment. Must be a Member in good standing.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 6.24% | As low as rate on approved credit without underwriting exceptions; estimated payment of $30 per $1,000. |
| up to 48 months | 6.24% | As low as rate on approved credit without underwriting exceptions; estimated payment of $23 per $1,000. |
| up to 60 months | 6.24% | As low as rate on approved credit without underwriting exceptions; estimated payment of $19 per $1,000. |
| up to 72 months | 6.24% | As low as rate on approved credit without underwriting exceptions; estimated payment of $16 per $1,000. |
| up to 84 months | 7.00% | As low as rate on approved credit without underwriting exceptions; estimated payment of $15 per $1,000. |
Sources (1)
- ecentralcu.org/about-us/rates · captured Oct 6, 2026
New Motorcycle
Rates listed are 'as low as' Consumer Loan rates on approved credit without underwriting exceptions. Discounts given include overall account balance relationship, past loan relationships, length of membership, collateral age, loan-to-value percentage, and amount of down payment. Must be a Member in good standing.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 8.00% | As low as rate on approved credit without underwriting exceptions; estimated payment of $24 per $1,000. |
| up to 60 months | 8.15% | As low as rate on approved credit without underwriting exceptions; estimated payment of $20 per $1,000. |
| up to 72 months | 9.00% | As low as rate on approved credit without underwriting exceptions; estimated payment of $18 per $1,000. |
| up to 84 months | 10.75% | As low as rate on approved credit without underwriting exceptions; estimated payment of $17 per $1,000. |
Sources (1)
- ecentralcu.org/about-us/rates · captured Oct 6, 2026
Used Auto Loan
Finances up to Kelley Blue Book Retail Value. Rates listed are 'as low as' rates on approved credit without underwriting exceptions. Rate discounts are based on overall account balance relationship, past loan relationships, length of membership, collateral age, loan-to-value percentage, and down payment. Must be a Member in good standing.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 6.24% | As low as rate on approved credit without underwriting exceptions; estimated payment of $30 per $1,000. |
| up to 48 months | 6.24% | As low as rate on approved credit without underwriting exceptions; estimated payment of $23 per $1,000. |
| up to 60 months | 6.24% | As low as rate on approved credit without underwriting exceptions; estimated payment of $19 per $1,000. |
| up to 72 months | 6.75% | As low as rate on approved credit without underwriting exceptions; estimated payment of $17 per $1,000. |
| up to 84 months | 8.00% | As low as rate on approved credit without underwriting exceptions; estimated payment of $15 per $1,000. |
Sources (1)
- ecentralcu.org/about-us/rates · captured Oct 6, 2026
Used Motorcycle
Rates listed are 'as low as' Consumer Loan rates on approved credit without underwriting exceptions. Discounts given include overall account balance relationship, past loan relationships, length of membership, collateral age, loan-to-value percentage, and amount of down payment. Must be a Member in good standing.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 8.75% | As low as rate on approved credit without underwriting exceptions; estimated payment of $24 per $1,000. |
| up to 60 months | 8.90% | As low as rate on approved credit without underwriting exceptions; estimated payment of $20 per $1,000. |
| up to 72 months | 10.50% | As low as rate on approved credit without underwriting exceptions; estimated payment of $18 per $1,000. |
| up to 84 months | 9.45% | As low as rate on approved credit without underwriting exceptions; estimated payment of $16 per $1,000. |
Sources (1)
- ecentralcu.org/about-us/rates · captured Oct 6, 2026
Who can join E-Central Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Any business, corporation, or other legal entity located in the eligible cities can join E-Central as a business-member.
- Individuals who live, work, attend school, or worship in San Gabriel Valley, Commerce, CA, or neighboring cities of Commerce are eligible for membership.
Employers and groups
- Employees of Select Employee Groups are eligible to join.
Family and household
- Family members or household partners of a current E-Central member in good standing are eligible to join.
Other ways
- Individuals who belong to another credit union are eligible to join.
Membership information collected October 5, 2026.