Credit union · NCUA insured
Educational Employees Credit Union Auto Loan Rates
Educational Employees Credit Union auto loans start at 4.99% APR for a new vehicle and 4.99% for a used one. Rates checked October 16, 2026.
How Educational Employees Credit Union’s auto loan rates compare
Compared with banks and credit unions near Fresno, CA, where Educational Employees Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Educational Employees Credit Union
4.99%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- Included in the rate
New Auto Loan: 2023 and newer models
Lowest rate
Pacific Service Credit Union
4.24%APR
- Terms
- up to 84 months
- Up to
- 15.99% APR
- Discount
- None included
2nd-lowest rate
Noble Credit Union
4.35%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- None included
Educational Employees Credit Union auto loan score
73
Auto loan score
Higher than 34% 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.
Where Educational Employees 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.
Classic Auto Loan: 2016 or older collectible vehicles
All loans subject to credit approval. Must be titled in California. Actual rates offered to approved applicants depend on payment method, credit history, and other factors. “As Low As” rate includes .50% discount for automatic payment from EECU checking account. Maximum loan amount $50,000. Membership eligibility/approval and $5 savings deposit required to join EECU.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 7.94% | Up to 60 months. Estimated monthly payment $20.25 per $1,000 borrowed. Includes .50% discount for automatic payment from EECU checking account. |
Sources (1)
- myeecu.org/loans/consumer/auto-motorcycle-loans · captured Oct 6, 2026
Golden Auto Loan: 2006-2019 models listed in current Kelley Older Car Guide
All loans subject to credit approval. Must be titled in California. Actual rates offered to approved applicants depend on payment method, credit history, and other factors. “As Low As” rate includes .50% discount for automatic payment from EECU checking account. Maximum loan amount $100,000. Membership eligibility/approval and $5 savings deposit required to join EECU.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 7.24% | Estimated monthly payment $30.99 per $1,000 borrowed. Includes .50% discount for automatic payment from EECU checking account. |
| up to 48 months | 7.74% | Estimated monthly payment $24.29 per $1,000 borrowed. Includes .50% discount for automatic payment from EECU checking account. |
| up to 60 months | 7.94% | Estimated monthly payment $20.25 per $1,000 borrowed. Includes .50% discount for automatic payment from EECU checking account. |
| up to 72 months | 7.94% | Estimated monthly payment $17.50 per $1,000 borrowed. Includes .50% discount for automatic payment from EECU checking account. |
Sources (1)
- myeecu.org/loans/consumer/auto-motorcycle-loans · captured Oct 6, 2026
New Auto Loan: 2023 and newer models
All loans subject to credit approval. Must be titled in California. Actual rates offered to approved applicants depend on payment method, credit history, and other factors. “As Low As” rate includes .50% discount for automatic payment from EECU checking account. Maximum loan amount $125,000. Membership eligibility/approval and $5 savings deposit required to join EECU.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.99% | Estimated monthly payment $29.97 per $1,000 borrowed. Includes .50% discount for automatic payment from EECU checking account. |
| up to 48 months | 4.99% | Estimated monthly payment $23.02 per $1,000 borrowed. Includes .50% discount for automatic payment from EECU checking account. |
| up to 60 months | 4.99% | $5,000 minimum loan amount. Estimated monthly payment $18.87 per $1,000 borrowed. Includes .50% discount for automatic payment from EECU checking account. |
| up to 72 months | 4.99% | $15,000 minimum loan amount. Estimated monthly payment $16.10 per $1,000 borrowed. Includes .50% discount for automatic payment from EECU checking account. |
| up to 84 months | 5.99% | $25,000 minimum loan amount. Estimated monthly payment $14.60 per $1,000 borrowed. Includes .50% discount for automatic payment from EECU checking account. |
Sources (1)
- myeecu.org/loans/consumer/auto-motorcycle-loans · captured Oct 16, 2026
New Motorcycle Loan
All loans subject to credit approval. Must be titled in California. Actual rates offered to approved applicants depend on payment method, credit history, and other factors. “As Low As” rate includes .50% discount for automatic payment from EECU checking account. Maximum loan amount $30,000. Membership eligibility/approval and $5 savings deposit required to join EECU.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 6.00% | Estimated monthly payment $30.42 per $1,000 borrowed. Includes .50% discount for automatic payment from EECU checking account. |
| up to 48 months | 6.00% | Estimated monthly payment $23.49 per $1,000 borrowed. Includes .50% discount for automatic payment from EECU checking account. |
| up to 60 months | 6.00% | Estimated monthly payment $19.33 per $1,000 borrowed. Includes .50% discount for automatic payment from EECU checking account. |
| up to 72 months | 6.00% | Estimated monthly payment $16.57 per $1,000 borrowed. Includes .50% discount for automatic payment from EECU checking account. |
Sources (1)
- myeecu.org/loans/consumer/auto-motorcycle-loans · captured Oct 16, 2026
Student New Auto Loan: 2023 and newer models
All loans subject to credit approval. Must be titled in California. Actual rates offered to approved applicants depend on payment method, credit history, and other factors. Maximum loan amount $20,000. Required automatic payment from EECU checking account. Student must be 18 years of age or older, enrolled in a minimum of six (6) units, and provide a grade report/transcript that is less than six months old. Membership eligibility/approval and $5 savings deposit required to join EECU.
| Terms | APR | Conditions |
|---|---|---|
| 36–72 months | 4.99% | GPA 3.50 or higher. Estimated monthly payment $18.87 per $1,000 borrowed. |
| 36–72 months | 6.49% | GPA 3.00 or 3.49. Estimated monthly payment $19.56 per $1,000 borrowed. |
| 36–72 months | 8.99% | GPA 2.50 or 2.99. Estimated monthly payment $20.75 per $1,000 borrowed. |
| 36–72 months | 14.99% | GPA 2.49 or less. Estimated monthly payment $23.78 per $1,000 borrowed. |
Sources (1)
- myeecu.org/loans/consumer/auto-motorcycle-loans · captured Oct 6, 2026
Student Used Auto Loan: 2020-2022 models
All loans subject to credit approval. Must be titled in California. Actual rates offered to approved applicants depend on payment method, credit history, and other factors. Maximum loan amount $20,000. Required automatic payment from EECU checking account. Student must be 18 years of age or older, enrolled in a minimum of six (6) units, and provide a grade report/transcript that is less than six months old. Membership eligibility/approval and $5 savings deposit required to join EECU.
| Terms | APR | Conditions |
|---|---|---|
| 36–60 months | 4.99% | GPA 3.50 or higher. Estimated monthly payment $18.87 per $1,000 borrowed. |
| 36–60 months | 6.49% | GPA 3.00 - 3.49. Estimated monthly payment $19.56 per $1,000 borrowed. |
| 36–60 months | 8.99% | GPA 2.50 - 2.99. Estimated monthly payment $20.75 per $1,000 borrowed. |
| 36–60 months | 14.99% | GPA 2.49 or less. Estimated monthly payment $23.78 per $1,000 borrowed. |
Sources (1)
- myeecu.org/loans/consumer/auto-motorcycle-loans · captured Oct 6, 2026
Used Auto Loan: 2020-2022 models
All loans subject to credit approval. Must be titled in California. Actual rates offered to approved applicants depend on payment method, credit history, and other factors. “As Low As” rate includes .50% discount for automatic payment from EECU checking account. Maximum loan amount $100,000. Membership eligibility/approval and $5 savings deposit required to join EECU.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.99% | Estimated monthly payment $29.97 per $1,000 borrowed. Includes .50% discount for automatic payment from EECU checking account. |
| up to 48 months | 4.99% | Estimated monthly payment $23.02 per $1,000 borrowed. Includes .50% discount for automatic payment from EECU checking account. |
| up to 60 months | 4.99% | Estimated monthly payment $18.87 per $1,000 borrowed. Includes .50% discount for automatic payment from EECU checking account. |
| up to 72 months | 4.99% | Estimated monthly payment $16.10 per $1,000 borrowed. Includes .50% discount for automatic payment from EECU checking account. |
| up to 84 months | 5.99% | Estimated monthly payment $14.60 per $1,000 borrowed. Includes .50% discount for automatic payment from EECU checking account. |
Sources (1)
- myeecu.org/loans/consumer/auto-motorcycle-loans · captured Oct 16, 2026
Who can join Educational Employees Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employee of Camarena Health.
- Employee of The Fresno Center.
- Member of the former So-Val Tel Federal Credit Union membership base.
- Employee of St. Agnes Medical Center who works in Fresno, CA, including those paid by Trinity Health.
- Employee of the California Teaching Fellows Foundation.
- Employee of United Health Centers of the San Joaquin Valley.
7 more ways to join
Employers and groups
- Employee, contract physician or other medical professional service provider of Valley Children\u2019s Healthcare.
Military, government and schools
- Employee of the City of Fresno.
- Employee of Orcutt Union School District in Santa Barbara.
- Member of a Board of Education or Board of Trustees of a licensed/accredited school system in any of the 12 counties EECU serves (Fresno, Inyo, Kern, Kings, Madera, Mariposa, Merced, Monterey, San Benito, San Luis Obispo, Stanislaus, and Tulare).
- Certificated or Classified employee, or student, of a school/school district in any of the 12 counties EECU serves (Fresno, Inyo, Kern, Kings, Madera, Mariposa, Merced, Monterey, San Benito, San Luis Obispo, Stanislaus, and Tulare).
- Retiree of a school/school district who now lives in any of the 12 counties EECU serves (Fresno, Inyo, Kern, Kings, Madera, Mariposa, Merced, Monterey, San Benito, San Luis Obispo, Stanislaus, and Tulare).
Family and household
- Relative (parents, spouses, children, grandchildren, great grandchildren, grandparents, siblings, stepparents, stepchildren, stepsiblings, and adoptive relationships) or household member (living in the same residence and maintaining a single economic unit) of an existing EECU member or a person eligible for EECU membership.
Cost to join
- An additional $5 opening deposit is required for Checking.
- An opening deposit of $5 is required for Savings ($10 for joint account).
Membership information collected October 5, 2026.