Credit union · NCUA insured
Espeeco Federal Credit Union Auto Loan Rates
Espeeco Federal Credit Union auto loans start at 5.25% APR for a new vehicle and 5.75% for a used one. Rates checked October 16, 2026.
How Espeeco Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Bakersfield, CA, where Espeeco Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Espeeco Federal Credit Union
5.25%APR
- Terms
- —
New Auto Loan
Lowest rate
Desert Valleys Federal Credit Union
3.50%APR
- Terms
- up to 84 months
2nd-lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
Espeeco Federal Credit Union auto loan score
72
Auto loan score
Higher than 31% of U.S. banks and credit unions
- New vehicleNew5.25%
- Used vehicleUsed5.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Espeeco 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.
Who can join Espeeco Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Affiliation with one of the credit union's Select Employer Groups (SEGs) qualifies for membership.
Family and household
- Immediate family members of an existing member are eligible for membership.
Cost to join
- An opening deposit of $25.00 is required for a share in the credit union.
Membership information collected October 5, 2026.