Credit union · NCUA insured
Foothill Credit Union Auto Loan Rates
Foothill Credit Union auto loans start at 5.60% APR for a new vehicle and 5.75% for a used one. Rates checked October 16, 2026.
How Foothill Credit Union’s auto loan rates compare
Compared with banks and credit unions near Los Angeles, CA, where Foothill Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Foothill Credit Union
5.60%APR
- Terms
- up to 66 months
- Discount
- None included
New Automobile and Truck
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
Foothill Credit Union auto loan score
66
Auto loan score
Higher than 17% of U.S. banks and credit unions
- New vehicleNew5.60%
- Used vehicleUsed5.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Foothill 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 Program
Requirements: Be at least 18 years old, have a valid California drivers license, not have a previous auto loan, have a minimum of 6 months employment or be a college graduate. Vehicle requirements: Loan amount not to exceed retail blue book value, max loan amount $30,000, 10 model years old or newer, less than 115,000 miles, registered in California. Up to 125% financing, terms up to 60 months, automatic payroll deduction. 100% of Retail on Purchases. Max rate discount cannot exceed 0.75% (0.50% deduction for active direct deposit >= $1,000/mo, 0.25% discount for Auto Pay at funding).
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 7.49% | New Auto. Maximum loan amount up to $30,000. Term up to 60 months. Rate reflects discounts (max 0.75%: 0.50% direct deposit >= $1,000/mo, 0.25% Auto Pay at funding). 100% of Retail on Purchases. |
| up to 60 months | 7.75% | Used Auto. Maximum loan amount up to $30,000. Term up to 60 months. Rate reflects discounts (max 0.75%: 0.50% direct deposit >= $1,000/mo, 0.25% Auto Pay at funding). 100% of Retail on Purchases. |
Sources (2)
All captured Oct 16, 2026
New Automobile and Truck
Max loan amount is $200,000. Rate shown includes discounts (max of 0.75% discount per loan: 0.50% discount with active direct deposit of at least $1,000/month, 0.25% discount with Auto Pay at funding). New Auto Floor Rate is 4.74%. Finance up to 125% MSRP on new vehicles including eligible protection products and coverage options (up to 150% total vehicle value), based on creditworthiness. Cash-out auto loans: Max LTV is 80% and max term is 60 months.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.74% | Rates as low as (APR). Minimum loan amount $5,000. Term up to 36 months. Rate includes up to 0.75% discounts. |
| up to 48 months | 5.24% | Rates as low as (APR). Minimum loan amount $5,000. Term 48 months. Rate includes up to 0.75% discounts. |
| up to 66 months | 5.60% | Rates as low as (APR). Minimum loan amount $10,000. Term up to 66 months. Rate includes up to 0.75% discounts. |
| up to 78 months | 5.85% | Rates as low as (APR). Minimum loan amount $15,000. Term up to 78 months. Rate includes up to 0.75% discounts. |
| up to 84 months | 6.25% | Rates as low as (APR). Minimum loan amount $25,000. Term 84 months. Rate includes up to 0.75% discounts. |
| up to 96 months | 7.25% | Rates as low as (APR). Minimum loan amount $50,000. Term 96 months. Rate includes up to 0.75% discounts. |
Used Automobile and Truck
Max loan amount is $200,000. Rate shown includes discounts (max of 0.75% discount per loan: 0.50% discount with active direct deposit of at least $1,000/month, 0.25% discount with Auto Pay at funding). Used Auto Floor Rate is 4.99%. Finance up to 125% Kelley Blue Book value on used vehicles, including eligible protection products and coverage options (up to 150% total vehicle value), based on creditworthiness. Cash-out auto loans: Max LTV is 80% and max term is 60 months.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.99% | Rates as low as (APR). Minimum loan amount $5,000. Term up to 36 months. Rate includes up to 0.75% discounts. |
| up to 48 months | 5.49% | Rates as low as (APR). Minimum loan amount $5,000. Term 48 months. Rate includes up to 0.75% discounts. |
| up to 66 months | 5.75% | Rates as low as (APR). Minimum loan amount $10,000. Term up to 66 months. Rate includes up to 0.75% discounts. |
| up to 78 months | 6.00% | Rates as low as (APR). Minimum loan amount $15,000. Term up to 78 months. Rate includes up to 0.75% discounts. |
| up to 84 months | 6.74% | Rates as low as (APR). Minimum loan amount $25,000. Term 84 months. Rate includes up to 0.75% discounts. |
Who can join Foothill Credit Union
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