Credit union · NCUA insured
Farmers Insurance Federal Credit Union Auto Loan Rates
Top CarrotFarmers Insurance Federal Credit Union auto loans start at 5.49% APR for a new vehicle and 5.49% for a used one. Rates checked October 17, 2026.
How Farmers Insurance Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Los Angeles, CA, where Farmers Insurance Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Farmers Insurance Federal Credit Union
5.49%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
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
Farmers Insurance Federal Credit Union auto loan score
69
Auto loan score
Higher than 25% of U.S. banks and credit unions
- New vehicleNew5.49%
- Used vehicleUsed5.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Farmers Insurance 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.
Auto Loans
Same rates apply for new and used vehicles, purchases from a dealer, private party, refinance, or cash-out refinance. Terms up to 96 months available. Extended terms of 84 and 96 months require a minimum loan amount of $50,000. Membership eligibility and credit approval required. Borrowers can qualify for a 1.00% rate discount when they enroll in Direct Deposit of at least $1,000.00 per month and Auto Pay and maintain both for the duration of the loan. No prepayment penalty. Financing available up to 100% LTV for clear title or private party purchases.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.99% | With qualifying Direct Deposit (at least $1,000/mo) and Auto Pay discount. Applicable to new and used vehicles. |
| up to 36 months | 5.99% | Standard APR without Direct Deposit and Auto Pay discount. Applicable to new and used vehicles. |
| up to 48 months | 5.24% | With qualifying Direct Deposit (at least $1,000/mo) and Auto Pay discount. Applicable to new and used vehicles. |
| up to 48 months | 6.24% | Standard APR without Direct Deposit and Auto Pay discount. Applicable to new and used vehicles. |
| up to 60 months | 5.49% | With qualifying Direct Deposit (at least $1,000/mo) and Auto Pay discount. Applicable to new and used vehicles. |
| up to 60 months | 6.49% | Standard APR without Direct Deposit and Auto Pay discount. Applicable to new and used vehicles. |
| up to 72 months | 5.74% | With qualifying Direct Deposit (at least $1,000/mo) and Auto Pay discount. Applicable to new and used vehicles. |
| up to 72 months | 6.74% | Standard APR without Direct Deposit and Auto Pay discount. Applicable to new and used vehicles. |
| up to 84 months | 5.99% | Requires minimum loan amount of $50,000. With qualifying Direct Deposit (at least $1,000/mo) and Auto Pay discount. Applicable to new and used vehicles. |
| up to 84 months | 6.99% | Requires minimum loan amount of $50,000. Standard APR without Direct Deposit and Auto Pay discount. Applicable to new and used vehicles. |
| up to 96 months | 6.49% | Requires minimum loan amount of $50,000. With qualifying Direct Deposit (at least $1,000/mo) and Auto Pay discount. Applicable to new and used vehicles. |
| up to 96 months | 7.49% | Requires minimum loan amount of $50,000. Standard APR without Direct Deposit and Auto Pay discount. Applicable to new and used vehicles. |
Sources (4)
All captured Oct 16, 2026
Who can join Farmers Insurance Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- U.S. citizens and residents of the United States or its territories can join through the American Consumer Council (ACC) at no cost.
Employers and groups
- Employees and agents of Farmers are eligible for membership.
Family and household
- Relatives of current FIGFCU members are eligible for membership.
Membership information collected October 5, 2026.