Credit union · NCUA insured
First U.S. Community Credit Union Auto Loan Rates
First U.S. Community Credit Union auto loans start at 5.84% APR for a new vehicle and 6.19% for a used one. Rates checked October 16, 2026.
How First U.S. Community Credit Union’s auto loan rates compare
Compared with banks and credit unions near Sacramento, CA, where First U.S. Community Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
First U.S. Community Credit Union
5.84%APR
- Terms
- up to 60 months
New Vehicles Auto Loan
Lowest rate
Yolo Federal Credit Union
3.84%APR
- Terms
- —
2nd-lowest rate
Firefighters First Credit Union
4.49%APR
- Terms
- up to 60 months
First U.S. Community Credit Union auto loan score
65
Auto loan score
Higher than 15% of U.S. banks and credit unions
- New vehicleNew5.84%
- Used vehicleUsed6.19%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where First U.S. Community 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.
First Time Auto Buyer
For vehicles 2016 or newer with 100,000 or fewer miles. Finance up to 90% MSRP for new or 90% retail Kelley Blue Book for used. 0.50% APR discount for 80% all-in LTV or less. $500 down required. Maximum loan amount: $30,000 for terms up to 72 months. Actual rate based on credit rating, amount financed, and loan term.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 10.34% | New vehicles. $500 down payment required. Finance up to 90% MSRP. |
| up to 72 months | 10.59% | Used vehicles. $500 down payment required. Finance up to 90% retail Kelly Blue Book. |
Sources (1)
- firstus.org/index.php · captured Oct 16, 2026
New Motorcycle Loans
Finance up to 110% of MSRP or Average Retail JD Power (including accessories, tax and license). New loans are less than one model year old. Actual rate based on credit rating, amount financed and loan term. Includes ATVs, UTVs, Snowmobiles & Jet Skis.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 7.24% | New loans are less than one model year old. Finance up to 110% of MSRP or Average Retail JD Power. |
Sources (1)
- firstus.org/index.php · captured Oct 16, 2026
New Vehicles Auto Loan
Rate is based on credit rating, amount financed, and loan term. 0.25% APR discount on a new or used hybrid or electric vehicle. 0.50% APR discount when buying through Enterprise Car Sales. Mileage restrictions may apply.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.84% | — |
| up to 48 months | 5.84% | — |
| up to 60 months | 5.84% | — |
| up to 66 months | 6.04% | — |
| up to 72 months | 6.09% | — |
| up to 84 months | 6.64% | — |
Sources (1)
- firstus.org/index.php · captured Oct 16, 2026
Used Motorcycle Loans
Finance up to 110% of Average Retail JD Power (including accessories, tax and license). Actual rate based on credit rating, amount financed and loan term. Includes ATVs, UTVs, Snowmobiles & Jet Skis.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 8.24% | Finance up to 110% of Average Retail JD Power. |
Sources (1)
- firstus.org/index.php · captured Oct 16, 2026
Used Vehicles Auto Loan
Rate is based on credit rating, amount financed, and loan term. 0.25% APR discount on a new or used hybrid or electric vehicle. 0.50% APR discount when buying through Enterprise Car Sales. Mileage restrictions may apply.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 6.09% | — |
| up to 48 months | 6.09% | — |
| up to 60 months | 6.19% | — |
| up to 66 months | 6.29% | — |
| up to 72 months | 6.34% | — |
| up to 84 months | 7.09% | — |
Sources (1)
- firstus.org/index.php · captured Oct 16, 2026
Who can join First U.S. Community Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, or worships in Sacramento, Placer, Nevada, El Dorado, Amador, Yuba, Yolo, Sutter, San Joaquin, Solano, Sierra, and Contra Costa counties is eligible to join.
Employers and groups
- SAFEWAY employees in Northern California and Northern Nevada are eligible to join.
Military, government and schools
- Federal employees throughout the State of California are eligible to join.
Family and household
- Immediate family or household members of current First U.S. members are eligible to join.
Membership information collected October 5, 2026.