Credit union · NCUA insured
F3 Credit Union Auto Loan Rates
Top CarrotF3 Credit Union auto loans start at 3.74% APR for a new vehicle and 4.99% for a used one. Rates checked October 16, 2026.
How F3 Credit Union’s auto loan rates compare
Compared with banks and credit unions near San Francisco, CA, where F3 Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
F3 Credit Union
3.74%APR
- Terms
- up to 72 months
- Up to
- —
- Discount
- Included in the rate
Kickstart New Auto
Lowest rate
Utility District Credit Union
3.50%APR
- Terms
- up to 60 months
- Up to
- 13.00% APR
- Discount
- None included
3rd-lowest rate
American Airlines Federal Credit Union
4.09%APR
- Terms
- 37–60 months
- Up to
- 13.14% APR
- Discount
- None included
F3 Credit Union auto loan score
89
Auto loan score
Higher than 88% of U.S. banks and credit unions
- New vehicleNew3.74%
- 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 F3 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.
Kickstart New Auto
Rates shown include 1/4% Secure Checking account discount. Maximum limit 125% of MSRP, Maximum $30,000.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 3.74% | Rate as low as; includes 1/4% Secure Checking account discount. Maximum limit 125% of MSRP, Maximum $30,000. |
Sources (1)
- f3creditunion.com/rates/vehicle · captured Oct 7, 2026
Kickstart Used Auto
Rates shown include 1/4% Secure Checking account discount.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 5.74% | Applicable for last 8 model years. Rate as low as; includes 1/4% Secure Checking account discount. Maximum limit 120% of high book, Maximum $30,000 and <150k miles. |
| up to 60 months | 7.74% | Applicable for 8 to 20 model years and under 250k miles. Rate as low as; includes 1/4% Secure Checking account discount. Maximum limit 90% of high book. |
Sources (1)
- f3creditunion.com/rates/vehicle · captured Oct 7, 2026
New Auto
Offer is open to all persons who live, work, worship or attend school in Santa Clara County, current F3CU Members, and other persons who qualify for F3CU membership. For Members who live outside of California, we will finance new vehicles only. Rates shown include 1/4% Secure Checking account discount. Get an additional 1% rate discount on qualifying loan rate when purchased from Enterprise and funded with F3CU. Maximum limit 125% of MSRP.
| Terms | APR | Conditions |
|---|---|---|
| 24–60 months | 4.74% | Rate as low as; includes 1/4% Secure Checking account discount. Maximum limit 125% of MSRP. |
| 61–72 months | 4.74% | Rate as low as; includes 1/4% Secure Checking account discount. Maximum limit 125% of MSRP. |
| 73–84 months | 4.74% | Rate as low as; includes 1/4% Secure Checking account discount. Maximum limit 125% of MSRP. |
Sources (1)
- f3creditunion.com/rates/vehicle · captured Oct 7, 2026
New Auto GPS Loan
Excludes Secure Checking account discount. Maximum 75% of MSRP, maximum $25,000.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 18.49% | Rate as low as. Excludes Secure Checking account discount. Maximum limit 75% of MSRP, Maximum $25,000. |
Sources (1)
- f3creditunion.com/rates/vehicle · captured Oct 7, 2026
New Motorcycle
Rates shown include 1/4% Secure Checking account discount. Maximum limit 125% of MSRP.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 6.74% | Rate as low as; includes 1/4% Secure Checking account discount. Maximum limit 125% of MSRP. |
Sources (1)
- f3creditunion.com/rates/vehicle · captured Oct 7, 2026
Used Auto (8 to 20 model years and under 250k miles)
Applicable for vehicles 8 to 20 model years and under 250k miles. Rates shown include 1/4% Secure Checking account discount. Maximum limit 90% of high book.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 6.99% | Rate as low as; includes 1/4% Secure Checking account discount. Maximum limit 90% of high book. |
Sources (1)
- f3creditunion.com/rates/vehicle · captured Oct 7, 2026
Used Auto (last 8 model years)
Applicable for vehicles from the last 8 model years and <150k miles. Rates shown include 1/4% Secure Checking account discount. Maximum limit 120% of high book and <150k miles.
| Terms | APR | Conditions |
|---|---|---|
| 24–60 months | 4.99% | Rate as low as; includes 1/4% Secure Checking account discount. Maximum limit 120% of high book and <150k miles. |
| 61–72 months | 4.99% | Rate as low as; includes 1/4% Secure Checking account discount. Maximum limit 120% of high book and <150k miles. |
| 73–84 months | 4.99% | Rate as low as; includes 1/4% Secure Checking account discount. Maximum limit 120% of high book and <150k miles. |
Sources (1)
- f3creditunion.com/rates/vehicle · captured Oct 7, 2026
Used Auto GPS (last 8 model years)
Applicable for vehicles from the last 8 model years and <150K miles. Excludes Secure Checking account discount. Maximum 75% of high Book, Maximum $15,000.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 18.49% | Rate as low as. Excludes Secure Checking account discount. Maximum limit 75% of high Book, Maximum $15,000 and <150K miles. |
Sources (1)
- f3creditunion.com/rates/vehicle · captured Oct 7, 2026
Used Motorcycle (last 8 model years)
Applicable for motorcycles from the last 8 model years. Rates shown include 1/4% Secure Checking account discount. Maximum limit 120% of high book.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 6.99% | Rate as low as; includes 1/4% Secure Checking account discount. Maximum limit 120% of high book. |
Sources (1)
- f3creditunion.com/rates/vehicle · captured Oct 7, 2026
Used Motorcycle (older than 8 model years, max 15 years)
Applicable for motorcycles older than 8 model years, max 15 years. Rates shown include 1/4% Secure Checking account discount. Maximum limit 90% of high book.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 7.75% | Rate as low as; includes 1/4% Secure Checking account discount. Maximum limit 90% of high book. |
Sources (1)
- f3creditunion.com/rates/vehicle · captured Oct 7, 2026
Who can join F3 Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, work, worship, or attend school in Santa Clara County are eligible to join.
Employers and groups
- Employees, contract employees, and legal counsel of the credit union are eligible to join.
Military, government and schools
- Civil Service employees in Santa Clara, San Mateo, Santa Cruz, Monterey, San Benito, and San Francisco counties are eligible to join.
- Employees, retirees, and contract employees of the U.S. Postal Service in 13 Northern California counties are eligible to join.
Cost to join
- A $1 savings deposit is required upon joining.
- There is a $1 membership fee to join.
Membership information collected October 5, 2026.