Credit union · NCUA insured
FAST Credit Union Auto Loan Rates
FAST Credit Union auto loans start at 3.99% APR for a new vehicle and 4.49% for a used one. Rates checked October 16, 2026.
How FAST Credit Union’s auto loan rates compare
Compared with banks and credit unions near Hanford, CA, where FAST Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
FAST Credit Union
3.99%APR
- Terms
- up to 60 months
- Up to
- 14.49% APR
- Discount
- Included in the rate
Auto Loans 2025-2027
2nd-lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
- Up to
- —
- Discount
- None included
3rd-lowest rate
Educational Employees Credit Union
4.99%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- Included in the rate
FAST Credit Union auto loan score
88
Auto loan score
Higher than 82% of U.S. banks and credit unions
- New vehicleNew3.99%
- Used vehicleUsed4.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where FAST 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 2017-2020
*APR = Annual Percentage Rate. Rates subject to change, are based on credit and qualifications met. Rates listed above include .50% reduction awarded to members enrolled in eStatements and Automatic Payments. Restrictions may apply, ask an employee for details. For Autos older than 10 years, please contact us for current rates.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 5.49%–15.99% | Includes .50% reduction awarded to members enrolled in eStatements and Automatic Payments. Estimated Payment per $1,000 is $45 to $49. For Autos older than 10 years, contact FAST for current rates. |
| up to 36 months | 5.49%–15.99% | Includes .50% reduction awarded to members enrolled in eStatements and Automatic Payments. Estimated Payment per $1,000 is $31 to $36. For Autos older than 10 years, contact FAST for current rates. |
| up to 48 months | 5.49%–16.99% | Includes .50% reduction awarded to members enrolled in eStatements and Automatic Payments. Estimated Payment per $1,000 is $24 to $29. For Autos older than 10 years, contact FAST for current rates. |
| up to 60 months | 6.24%–17.49% | Includes .50% reduction awarded to members enrolled in eStatements and Automatic Payments. Estimated Payment per $1,000 is $20 to $26. For Autos older than 10 years, contact FAST for current rates. |
| up to 72 months | 6.49%–15.24% | Includes .50% reduction awarded to members enrolled in eStatements and Automatic Payments. Estimated Payment per $1,000 is $17 to $22. For Autos older than 10 years, contact FAST for current rates. |
Sources (1)
- fastcu.com/auto-recreation-loans · captured Oct 16, 2026
Auto Loans 2021-2025
*APR = Annual Percentage Rate. Rates subject to change, are based on credit and qualifications met. Rates listed above include .50% reduction awarded to members enrolled in eStatements and Automatic Payments. Restrictions may apply, ask an employee for details.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.49%–14.24% | Includes .50% reduction for enrollment in eStatements and Automatic Payments. Estimated Payment per $1,000 is $44 to $49. |
| up to 36 months | 4.49%–14.24% | Includes .50% reduction for enrollment in eStatements and Automatic Payments. Estimated Payment per $1,000 is $30 to $35. |
| up to 48 months | 4.49%–14.49% | Includes .50% reduction for enrollment in eStatements and Automatic Payments. Estimated Payment per $1,000 is $23 to $28. |
| up to 60 months | 4.49%–14.74% | Includes .50% reduction for enrollment in eStatements and Automatic Payments. Estimated Payment per $1,000 is $19 to $24. |
| up to 72 months | 4.49%–11.74% | Includes .50% reduction for enrollment in eStatements and Automatic Payments. Estimated Payment per $1,000 is $16 to $20. |
| up to 84 months | 5.49%–9.49% | Includes .50% reduction for enrollment in eStatements and Automatic Payments. Estimated Payment per $1,000 is $15 to $17. |
Sources (1)
- fastcu.com/auto-recreation-loans · captured Oct 16, 2026
Auto Loans 2025-2027
New Auto Loan Rates are for autos not previously owned and/or less than 10,000 miles. *APR = Annual Percentage Rate. Rates subject to change, are based on credit and qualifications met. Rates listed above include .50% reduction awarded to members enrolled in eStatements and Automatic Payments. Restrictions may apply, ask an employee for details.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 3.99%–13.24% | Includes .50% reduction for enrollment in eStatements and Automatic Payments. Estimated Payment per $1,000 is $44 to $48. |
| up to 36 months | 3.99%–13.24% | Includes .50% reduction for enrollment in eStatements and Automatic Payments. Estimated Payment per $1,000 is $30 to $34. |
| up to 48 months | 3.99%–13.49% | Includes .50% reduction for enrollment in eStatements and Automatic Payments. Estimated Payment per $1,000 is $23 to $28. |
| up to 60 months | 3.99%–14.49% | Includes .50% reduction for enrollment in eStatements and Automatic Payments. Estimated Payment per $1,000 is $19 to $24. |
| up to 72 months | 3.99%–11.49% | Includes .50% reduction for enrollment in eStatements and Automatic Payments. Estimated Payment per $1,000 is $16 to $20. |
| up to 84 months | 4.99%–6.99% | Includes .50% reduction for enrollment in eStatements and Automatic Payments. Estimated Payment per $1,000 is $15 to $16. |
Sources (1)
- fastcu.com/auto-recreation-loans · captured Oct 16, 2026
Motorcycle, Boats, ATVs, and Personal Watercraft Rates 2017-2025
* APR = Annual Percentage Rate. Rates subject to change, based on credit and qualifications met. Restrictions may apply, ask an employee for details.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 8.49%–9.49% | Estimated Payment per $1,000 is $46. |
| up to 36 months | 8.49%–9.49% | Estimated Payment per $1,000 is $32 to $33. |
| up to 48 months | 8.49%–9.49% | Estimated Payment per $1,000 is $25 to $26. |
| up to 60 months | 8.49%–9.49% | Estimated Payment per $1,000 is $21. |
| up to 72 months | 8.74%–9.74% | Estimated Payment per $1,000 is $18 to $19. |
Sources (1)
- fastcu.com/auto-recreation-loans · captured Oct 16, 2026
Motorcycle, Boats, ATVs, and Personal Watercraft Rates 2025-2027
* APR = Annual Percentage Rate. Rates subject to change, based on credit and qualifications met. Restrictions may apply, ask an employee for details.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 7.74%–8.74% | Estimated Payment per $1,000 is $46. |
| up to 36 months | 7.74%–8.74% | Estimated Payment per $1,000 is $32. |
| up to 48 months | 7.74%–8.74% | Estimated Payment per $1,000 is $25. |
| up to 60 months | 7.74%–8.74% | Estimated Payment per $1,000 is $21. |
| up to 72 months | 7.99%–8.99% | Estimated Payment per $1,000 is $18 to $19. |
Sources (1)
- fastcu.com/auto-recreation-loans · captured Oct 16, 2026
Who can join FAST Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligibility is open to individuals who live, work, attend school, volunteer, or worship in Kings County, Laton, Riverdale, or Coalinga.
Family and household
- Eligibility is open to immediate family members of a FAST Credit Union member.
Cost to join
- A minimum opening deposit of $5 is required for personal accounts.
Membership information collected October 5, 2026.