Credit union · NCUA insured
Edwards Federal Credit Union Auto Loan Rates
Edwards Federal Credit Union auto loans start at 4.49% APR for a new vehicle. Rates checked October 16, 2026.
How Edwards Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Los Angeles, CA, where Edwards Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Edwards Federal Credit Union
4.49%APR
- Terms
- 49–60 months
- Discount
- Included in the rate
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
Edwards Federal Credit Union auto loan score
81
Auto loan score
Higher than 55% of U.S. banks and credit unions
- New vehicleNew4.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Edwards 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.
New Auto Loan
Rates effective 9/01/2026. Advertised APRs reflect a combined discount of 0.50%: a 0.25% discount for an active Everything Plus Checking account and a 0.25% discount for an out-the-door loan-to-value of 80% or less. New collateral is defined as 2025 model year or newer with less than 1,500 miles. Max LTV up to 135%. Membership eligibility required. Subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| 1–36 months | 3.99% | Lowest available rate; includes 0.50% combined discount. |
| 37–48 months | 4.24% | Lowest available rate; includes 0.50% combined discount. |
| 49–60 months | 4.49% | Lowest available rate; includes 0.50% combined discount. |
| 61–72 months | 4.99% | Lowest available rate; includes 0.50% combined discount. |
| 73–84 months | 5.49% | Lowest available rate; includes 0.50% combined discount. |
Sources (1)
- edwardsfcu.org/rates · captured Oct 7, 2026
Used / Refinance Auto Loan
Rates effective 9/01/2026. Advertised APRs reflect a combined discount of 0.50%: a 0.25% discount for an active Everything Plus Checking account and a 0.25% discount for an out-the-door loan-to-value of 80% or less. Used collateral is any vehicle exceeding 1,500 miles or outside the one-model-year requirement. Max LTV up to 135%. Membership eligibility required. Subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| 1–36 months | 4.49% | Lowest available rate; includes 0.50% combined discount. |
| 37–48 months | 4.74% | Lowest available rate; includes 0.50% combined discount. |
| 49–60 months | 4.99% | Lowest available rate; includes 0.50% combined discount. |
| 61–72 months | 5.49% | Lowest available rate; includes 0.50% combined discount. |
| 73–84 months | 5.99% | Lowest available rate; includes 0.50% combined discount. |
Sources (1)
- edwardsfcu.org/rates · captured Oct 7, 2026
Who can join Edwards Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.