East County Schools Federal Credit Union Auto Loan Rates

How East County Schools Federal Credit Union’s auto loan rates compare

Compared with banks and credit unions near San Diego, CA, where East County Schools Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.

This credit union’s lowest
East County Schools Federal Credit Union
4.49%APR
Terms
up to 60 months
Discount
Included in the rate
New Vehicle Loan
Lowest rate
Wheelhouse Credit Union
4.24%APR
Terms
up to 66 months
Discount
Included in the rate
Wheelhouse Credit Union rates
2nd-lowest rate
Navy Federal Credit Union
4.29%APR
Terms
37–60 months
Discount
None included
Navy Federal Credit Union rates

Compare auto loan rates near you →

Auto loan score

Higher than 70% of U.S. banks and credit unions

By vehicle

New vehicleNew4.49%
Used vehicleUsed4.95%

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 East County 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.

Motorcycle/Power Sport Vehicle Loan <5 yrs or New

Fixed rates. New Motorcycle/Power Sport Vehicles: up to 100% financing of total purchase price. Used Motorcycle/Power Sport Vehicles: up to 100% of NADA Guide or fair market value, not to exceed purchase price. All rates and maximum advances subject to adjustment based on credit score.

Terms	APR	Conditions
up to 48 months	6.84%	As low as APR. Any finance amount. Maximum term 48 months. Fixed rates. Up to 100% financing.
up to 60 months	6.99%	As low as APR. Finance amount $10,000 and up. Maximum term 60 months. Fixed rates. Up to 100% financing.
up to 66 months	7.74%	As low as APR. Finance amount $12,000 and up. Maximum term 66 months. Fixed rates. Up to 100% financing.
up to 72 months	8.19%	As low as APR. Finance amount $15,000 and up. Maximum term 72 months. Fixed rates. Up to 100% financing.

Sources (1)

eastcountyschools.org/loans/loan-rates · captured Oct 6, 2026

Motorcycle/Power Sport Vehicle Loan >5 yrs Used

Fixed rates. All rates and maximum advances subject to adjustment based on credit score.

Terms	APR	Conditions
up to 36 months	7.35%	As low as APR. Any finance amount. Maximum term 36 months. Fixed rates.
up to 48 months	7.35%	As low as APR. Any finance amount. Maximum term 48 months. Fixed rates.
up to 60 months	8.25%	As low as APR. Finance amount $10,000 and up. Maximum term 60 months. Fixed rates.

Sources (1)

eastcountyschools.org/loans/loan-rates · captured Oct 6, 2026

New Vehicle Loan

Rate shown is for well-qualified borrowers. Rate includes 0.50% automatic payment discount from an ECSFCU checking account or payroll deduction (0.25% for auto payments from another financial institution) and 0.50% New Cars Inc. discount (0.50% off for loan terms up to 66 months, or 0.25% off for loans 67-84 months). Add 0.50% if not on automatic payment transfer or payroll deduction and add 2.00% for non-purchase vehicle loans. Fixed rates up to 100% TPP / 120% Invoice.

Terms	APR	Conditions
up to 36 months	3.89%	As low as APR for well-qualified borrowers. Includes 0.50% auto payment discount and 0.50% New Cars Inc. discount. Any finance amount. Maximum term 36 months.
up to 48 months	4.24%	As low as APR for well-qualified borrowers. Includes 0.50% auto payment discount and 0.50% New Cars Inc. discount. Any finance amount. Maximum term 48 months.
up to 60 months	4.49%	As low as APR for well-qualified borrowers. Includes 0.50% auto payment discount and 0.50% New Cars Inc. discount. Finance amount $10,000 and up. Maximum term 60 months.
up to 72 months	4.74%	As low as APR for well-qualified borrowers. Includes 0.50% auto payment discount and 0.25% New Cars Inc. discount (for loans 67-84 months). Finance amount $15,000 and up. Maximum term 72 months.
up to 84 months	5.24%	As low as APR for well-qualified borrowers. Includes 0.50% auto payment discount and 0.25% New Cars Inc. discount (for loans 67-84 months). Finance amount $30,000 and up. Maximum term 84 months.

Sources (3)

All captured Oct 6, 2026

Used Vehicle Loan

Rate shown is for well-qualified borrowers. Rate includes 0.50% automatic payment discount from an ECSFCU checking account or payroll deduction. Rate is also based on 0.50% New Cars Inc. discount (0.50% off for loan terms up to 66 months, or 0.25% off for loans 67-84 months). Add 0.50% if not on automatic payment transfer or payroll deduction and add 2.00% for non-purchase vehicle loans. Fixed rates up to 120% KBB Wholesale.

Terms	APR	Conditions
up to 36 months	4.35%	As low as APR for well-qualified borrowers. Includes 0.50% auto payment discount and 0.50% New Cars Inc. discount. Any finance amount. Maximum term 36 months.
up to 48 months	4.70%	As low as APR for well-qualified borrowers. Includes 0.50% auto payment discount and 0.50% New Cars Inc. discount. Any finance amount. Maximum term 48 months.
up to 60 months	4.95%	As low as APR for well-qualified borrowers. Includes 0.50% auto payment discount and 0.50% New Cars Inc. discount. Finance amount $10,000 and up. Maximum term 60 months.
up to 72 months	5.20%	As low as APR for well-qualified borrowers. Includes 0.50% auto payment discount and 0.25% New Cars Inc. discount (for loans 67-84 months). Finance amount $15,000 and up. Maximum term 72 months.
up to 84 months	6.20%	As low as APR for well-qualified borrowers. Includes 0.50% auto payment discount and 0.25% New Cars Inc. discount (for loans 67-84 months). Finance amount $30,000 and up. Maximum term 84 months.

Sources (3)

All captured Oct 6, 2026

Who can join East County Schools 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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