Credit union · NCUA insured
Eagle Community Credit Union Auto Loan Rates
Eagle Community Credit Union auto loans start at 4.99% APR for a new vehicle and 5.24% for a used one. Rates checked October 16, 2026.
How Eagle Community Credit Union’s auto loan rates compare
Compared with banks and credit unions near Los Angeles, CA, where Eagle Community Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Eagle Community Credit Union
4.99%APR
- Terms
- up to 60 months
- Up to
- 15.99% APR
- Discount
- None included
New Auto
Lowest rate
Downey Federal Credit Union
3.49%APR
- Terms
- —
- Up to
- —
- Discount
- None included
2nd-lowest rate
United Catholics Federal CU
3.75%APR
- Terms
- up to 84 months
- Up to
- —
- Discount
- Included in the rate
Eagle Community Credit Union auto loan score
81
Auto loan score
Higher than 54% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed5.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Eagle Community 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
Financing up to 125% LTV. Lowest listed rates include a 0.25% discount for automatic payment from Eagle Checking. No application fees or pre-payment penalties. Rate is determined by credit qualifications. Membership eligibility: live or work in Orange and Riverside County, CA.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.99%–15.99% | Includes 0.25% discount for automatic payment from Eagle Checking. Financing up to 125% LTV. No application fees or pre-payment penalties. |
| 61–72 months | 5.24%–10.99% | Includes 0.25% discount for automatic payment from Eagle Checking. Financing up to 125% LTV. No application fees or pre-payment penalties. |
| 73–84 months | 5.74%–11.99% | Includes 0.25% discount for automatic payment from Eagle Checking. Financing up to 125% LTV. No application fees or pre-payment penalties. |
Tesla Financing
Direct loan funding with Tesla on delivery date. Up to 125% financing on new and used Tesla purchases covering purchase price plus tax, license, and service contracts. Fixed rates on loans up to $125,000 for models including Model S, Model 3, Model X. Processing fee of $175 applies. Membership eligibility: live or work in Orange and Riverside County, CA.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.99%–15.99% | Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking. Rate determined by credit qualifications. Up to 125% financing. Processing fee of $175 applies. |
| 61–72 months | 5.24%–10.99% | Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking. Rate determined by credit qualifications. Up to 125% financing. Processing fee of $175 applies. |
| 73–84 months | 5.74%–11.99% | Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking. Rate determined by credit qualifications. Up to 125% financing. Processing fee of $175 applies. |
| up to 60 months | 5.24%–19.24% | Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking. Rates increase by 1% for vehicles over 5 years old and by 2% for vehicles with more than 100,000 miles. Rate determined by credit qualifications. Up to 125% financing. Processing fee of $175 applies. |
| 61–72 months | 5.49%–14.24% | Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking. Rates increase by 1% for vehicles over 5 years old and by 2% for vehicles with more than 100,000 miles. Rate determined by credit qualifications. Up to 125% financing. Processing fee of $175 applies. |
| 73–84 months | 5.99%–15.24% | Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking. Rates increase by 1% for vehicles over 5 years old and by 2% for vehicles with more than 100,000 miles. Rate determined by credit qualifications. Up to 125% financing. Processing fee of $175 applies. |
Sources (1)
- eaglecu.org/tesla · captured Oct 16, 2026
Used Auto
Financing up to 125% LTV. Lowest listed rates include a 0.25% discount for automatic payment from Eagle Checking. Rates will increase by 1% for vehicles over 5 years old and by 2% for vehicles with more than 100,000 miles. No application fees or pre-payment penalties. Rate is determined by credit qualifications. Membership eligibility: live or work in Orange and Riverside County, CA.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.24%–19.24% | Includes 0.25% discount for automatic payment from Eagle Checking. Financing up to 125% LTV. Rates increase by 1% for vehicles over 5 years old and by 2% for vehicles with more than 100,000 miles. No application fees or pre-payment penalties. |
| 61–72 months | 5.49%–14.24% | Includes 0.25% discount for automatic payment from Eagle Checking. Financing up to 125% LTV. Rates increase by 1% for vehicles over 5 years old and by 2% for vehicles with more than 100,000 miles. No application fees or pre-payment penalties. |
| 73–84 months | 5.99%–15.24% | Includes 0.25% discount for automatic payment from Eagle Checking. Financing up to 125% LTV. Rates increase by 1% for vehicles over 5 years old and by 2% for vehicles with more than 100,000 miles. No application fees or pre-payment penalties. |
Who can join Eagle Community Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, worships, or studies in Orange County, California.
- Membership is open to individuals who live or work in Orange County or Riverside County.
Family and household
- Membership is open to family members (parents, grandparents, in-laws, siblings, aunts, uncles, nieces, nephews, cousins, children, grandchildren by blood, marriage, or adoption) and couples (including unmarried couples living together) of existing members.
Other ways
- Friends referred by existing members are eligible to join.
Cost to join
- Establishing and maintaining membership requires a share deposit of $5 into an Access Savings account.
Membership information collected October 5, 2026.