Credit union · Privately insured
El Monte Community Credit Union Auto Loan Rates
El Monte Community Credit Union auto loans start at 5.99% APR for a new vehicle and 6.99% for a used one. Rates checked October 16, 2026.
How El Monte Community Credit Union’s auto loan rates compare
Compared with banks and credit unions near Dallas, TX, where El Monte Community Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
El Monte Community Credit Union
5.99%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
New Auto
Lowest rate
PenFed Credit Union
3.84%APR
- Terms
- up to 60 months
- Discount
- None included
2nd-lowest rate
Southwest Airlines Federal Credit Union
3.94%APR
- Terms
- —
- Discount
- None included
El Monte Community Credit Union auto loan score
62
Auto loan score
Higher than 6% of U.S. banks and credit unions
- New vehicleNew5.99%
- Used vehicleUsed6.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where El Monte 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
Financed up to 120% Loan-to-Value, includes tax, license, MBI and GAP waiver.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.99% | Standard rate based on Platinum FICO score 740+. Rates vary based on individual FICO score. Rates reflect 0.50% discount with Direct Deposit payment. |
| up to 36 months | 4.99% | Standard rate based on Platinum FICO score 740+. Rates vary based on individual FICO score. Rates reflect 0.50% discount with Direct Deposit payment. |
| up to 48 months | 5.99% | Standard rate based on Platinum FICO score 740+. Rates vary based on individual FICO score. Rates reflect 0.50% discount with Direct Deposit payment. |
| up to 60 months | 5.99% | Standard rate based on Platinum FICO score 740+. Rates vary based on individual FICO score. Rates reflect 0.50% discount with Direct Deposit payment. |
| up to 72 months | 5.99% | Standard rate based on Platinum FICO score 740+. Rates vary based on individual FICO score. Rates reflect 0.50% discount with Direct Deposit payment. |
| up to 84 months | 6.49% | Standard rate based on Platinum FICO score 740+. Rates vary based on individual FICO score. Rates reflect 0.50% discount with Direct Deposit payment. |
Used Auto
Financed up to 110% of high Kelly Blue Book Retail Value / Loan-to-Value, includes tax, license, MBI and GAP waiver.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 5.99% | Standard rate based on Platinum FICO score 740+. Rates vary based on individual FICO score. Rates reflect 0.50% discount with Direct Deposit payment. |
| up to 36 months | 5.99% | Standard rate based on Platinum FICO score 740+. Rates vary based on individual FICO score. Rates reflect 0.50% discount with Direct Deposit payment. |
| up to 48 months | 6.99% | Standard rate based on Platinum FICO score 740+. Rates vary based on individual FICO score. Rates reflect 0.50% discount with Direct Deposit payment. |
| up to 60 months | 6.99% | Standard rate based on Platinum FICO score 740+. Rates vary based on individual FICO score. Rates reflect 0.50% discount with Direct Deposit payment. |
| up to 72 months | 6.99% | Standard rate based on Platinum FICO score 740+. Rates vary based on individual FICO score. Rates reflect 0.50% discount with Direct Deposit payment. |
| up to 84 months | 7.49% | Standard rate based on Platinum FICO score 740+. Rates vary based on individual FICO score. Rates reflect 0.50% discount with Direct Deposit payment. |
Who can join El Monte 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
- Individuals who live, work, or worship in El Monte, South El Monte, Baldwin Park, Rosemead, or Irwindale are eligible for membership.
- Individuals who attend school in El Monte, South El Monte, Baldwin Park, Rosemead, or Irwindale are eligible for membership.
Employers and groups
- Employees of the San Gabriel Valley Water Company who work in El Monte, Fontana, or Whittier are eligible for membership.
Family and household
- Immediate family members of eligible individuals are eligible for membership.
Other ways
- Other credit unions organized under Federal or State laws are eligible for membership.
- Organizations composed of eligible individuals are eligible for membership.
Cost to join
- Members must maintain a regular share savings account with a minimum balance of $5.00.
- A $5.00 lifetime membership fee is required to join.
- A one-time refundable pledge amount of $5.00 is required upon application review.
Membership information collected October 5, 2026.