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First California Federal Credit Union Auto Loan Rates
First California Federal Credit Union auto loans start at 4.89% APR for a new vehicle and 5.50% for a used one. Rates checked October 16, 2026.
How First California Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Tampa, FL, where First California Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
First California Federal Credit Union
4.89%APR
- Terms
- up to 60 months
New Auto Loans - 2023 and Newer Model Years
Lowest rate
Florida West Coast CU
3.99%APR
- Terms
- —
2nd-lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
First California Federal Credit Union auto loan score
82
Auto loan score
Higher than 57% of U.S. banks and credit unions
- New vehicleNew4.89%
- Used vehicleUsed5.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where First California 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.
New Auto Loans - 2023 and Newer Model Years
For 2023 and newer model years. Payment terms up to 84 months.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.89% | — |
| up to 60 months | 4.89% | — |
| up to 72 months | 4.99% | Minimum Amount Financed $15,000 |
| up to 84 months | 5.50% | Minimum Amount Financed $20,000 |
Sources (2)
All captured Oct 16, 2026
Used Auto Loans - 2019-2022 Model Years
For 2019-2022 model years. Payment terms up to 72 months available. For 2014 and older model years or over 100,000 miles please contact the loan department at (559) 226-8282, Option 2.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.50% | — |
| up to 60 months | 5.50% | — |
| up to 72 months | 5.50% | Minimum Amount Financed $15,000 |
Sources (2)
All captured Oct 16, 2026
Who can join First California Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.