Credit union · NCUA insured
F&A Credit Union Auto Loan Rates
Top CarrotF&A Credit Union auto loans start at 4.50% APR for a new vehicle and 4.50% for a used one. Rates checked October 16, 2026.
How F&A Credit Union’s auto loan rates compare
Compared with banks and credit unions near Los Angeles, CA, where F&A Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
F&A Credit Union
4.50%APR
- Terms
- up to 60 months
- Discount
- None included
Auto Loans
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
F&A Credit Union auto loan score
89
Auto loan score
Higher than 86% of U.S. banks and credit unions
- New vehicleNew4.50%
- Used vehicleUsed4.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where F&A 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.
Auto Loans
Finance a new or used car or truck up to 125% loan to value (125% of MSRP for new, 125% High Blue Book for used). Maximum loan amount $150,000.00. Maximum vehicle age 12 years. No down payment required. Must buy and title vehicle in state where purchaser lives. 0.50% rate reduction for payments made by automatic transfer or payroll deduction. No prepayment penalty. Option to delay first payment by 60 days.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.25% | FICO 760 and above |
| up to 48 months | 4.50% | FICO 760 and above |
| up to 60 months | 4.50% | FICO 760 and above |
| up to 72 months | 4.99% | FICO 760 and above |
| up to 84 months | 5.50% | FICO 760 and above |
| up to 36 months | 4.75% | FICO 720 — 759 |
| up to 48 months | 5.00% | FICO 720 — 759 |
| up to 60 months | 5.00% | FICO 720 — 759 |
| up to 72 months | 5.49% | FICO 720 — 759 |
| up to 84 months | 6.00% | FICO 720 — 759 |
| up to 36 months | 5.75% | FICO 680 — 719 |
| up to 48 months | 6.00% | FICO 680 — 719 |
| up to 60 months | 6.00% | FICO 680 — 719 |
| up to 72 months | 6.49% | FICO 680 — 719 |
| up to 84 months | 7.00% | FICO 680 — 719 |
| up to 36 months | 8.75% | FICO 620 — 679 |
| up to 48 months | 9.00% | FICO 620 — 679 |
| up to 60 months | 9.00% | FICO 620 — 679 |
| up to 72 months | 9.49% | FICO 620 — 679 |
| up to 84 months | 10.00% | FICO 620 — 679 |
| up to 36 months | 12.75% | FICO 619 or less or no FICO |
| up to 48 months | 13.00% | FICO 619 or less or no FICO |
| up to 60 months | 13.00% | FICO 619 or less or no FICO |
| up to 72 months | 13.49% | FICO 619 or less or no FICO |
| up to 84 months | 14.00% | FICO 619 or less or no FICO |
Sources (1)
- fafcu.org/loans-and-credit/aut…/new-and-used-auto-loans · captured Oct 7, 2026
Who can join F&A Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Members of Avalon City Professional Firefighters \u2013 Local 2295 are eligible for membership.
- General members of the Los Angeles County Fire Museum are eligible for membership.
- Members of Los Angeles County Firefighters \u2013 Local 1014 are eligible for membership.
- Members of West Covina Police Officers' Association are eligible for membership.
Military, government and schools
- Employees of Arcadia Fire Department are eligible for membership.
- Employees of listed city governments in Los Angeles and Orange Counties are eligible for membership.
7 more ways to join
Military, government and schools
- Uniformed members of the Hawthorne Police Officers Association are eligible for membership.
- Employees of County of Los Angeles Agricultural Commissioner / Weights and Measures are eligible for membership.
- Active and retired employees of the Los Angeles County Fire Department are eligible for membership.
- Los Angeles County Fire Department Lifeguards are eligible for membership.
- Employees of Newport Beach Fire Department are eligible for membership.
- Employees of UC Cooperative Extension Los Angeles County are eligible for membership.
Family and household
- Immediate family members of current F&A members (parents, grandparents, spouses, children, grandchildren, siblings, step-relations, and adoptive relations) are eligible for membership.
Cost to join
- Membership is established with a $5.00 deposit into an Ownership/Savings Account upon approval.
Membership information collected October 5, 2026.