Credit union · NCUA insured
Frontwave Credit Union Auto Loan Rates
Frontwave Credit Union auto loans start at 4.74% APR for a new vehicle and 4.74% for a used one. Rates checked October 16, 2026.
How Frontwave Credit Union’s auto loan rates compare
Compared with banks and credit unions near San Diego, CA, where Frontwave Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Frontwave Credit Union
4.74%APR
- Terms
- 49–66 months
- Discount
- Included in the rate
Auto Loans - Model Years 2024 or Newer (with Auto Pay & Elite Plus Checking Discounts)
Lowest rate
Wheelhouse Credit Union
4.24%APR
- Terms
- up to 66 months
- Discount
- Included in the rate
2nd-lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
- Discount
- None included
Frontwave Credit Union auto loan score
83
Auto loan score
Higher than 62% of U.S. banks and credit unions
- New vehicleNew4.74%
- Used vehicleUsed4.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Frontwave 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 - Model Years 2010-2017 (with Auto Pay & Elite Plus Checking Discounts)
Rate includes 0.25% discount for Auto Pay from a Frontwave checking account and an additional 0.25% discount for Elite Plus Checking members. Standard passenger vehicles only. Financing up to 110% of vehicle value. No payments for up to 90 days (interest accrues). Membership and credit qualifications apply.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.49% | For 2010 to 2017 model years. Up to 36 months. Rate includes qualifying discounts for Auto Pay (0.25%) and Elite Plus Checking (0.25%). Financing up to 110%. |
| 37–48 months | 7.49% | For 2010 to 2017 model years. 37 to 48 months. Rate includes qualifying discounts for Auto Pay (0.25%) and Elite Plus Checking (0.25%). Financing up to 110%. |
Sources (1)
- frontwavecu.com/auto-loan-elite · captured Oct 6, 2026
Auto Loans - Model Years 2010-2017 (with Auto Pay Discount)
Rate includes a 0.25% discount for automatic loan payments from a Frontwave Checking Account. Standard passenger vehicles only. Financing up to 110% of vehicle value. No payments for up to 90 days (interest accrues). Membership and credit qualifications apply.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.74% | For Model Years 2010-2017. Up to 36 months. Rate includes 0.25% discount for automatic loan payments from a Frontwave Checking Account. Financing up to 110%. |
| 37–48 months | 7.74% | For Model Years 2010-2017. 37 to 48 months. Rate includes 0.25% discount for automatic loan payments from a Frontwave Checking Account. Financing up to 110%. |
Sources (1)
- frontwavecu.com/resources/information/rates/loan-rates · captured Oct 6, 2026
Auto Loans - Model Years 2018-2023 (with Auto Pay & Elite Plus Checking Discounts)
Rate includes 0.25% discount for Auto Pay from a Frontwave checking account and an additional 0.25% discount for Elite Plus Checking members. Standard passenger vehicles only. Financing up to 130% of vehicle value. No payments for up to 90 days (interest accrues). Membership and credit qualifications apply.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.49% | For 2018 to 2023 model years. Up to 36 months. Rate includes qualifying discounts for Auto Pay (0.25%) and Elite Plus Checking (0.25%). Financing up to 130%. |
| 37–48 months | 4.74% | For 2018 to 2023 model years. 37 to 48 months. Rate includes qualifying discounts for Auto Pay (0.25%) and Elite Plus Checking (0.25%). Financing up to 130%. |
| 49–66 months | 4.99% | For 2018 to 2023 model years. 49 to 66 months. Rate includes qualifying discounts for Auto Pay (0.25%) and Elite Plus Checking (0.25%). Financing up to 130%. |
| 67–78 months | 5.24% | For 2018 to 2023 model years. 67 to 78 months. Rate includes qualifying discounts for Auto Pay (0.25%) and Elite Plus Checking (0.25%). Financing up to 130%. |
| 79–84 months | 5.99% | For 2018 to 2023 model years. 79 to 84 months. Rate includes qualifying discounts for Auto Pay (0.25%) and Elite Plus Checking (0.25%). Financing up to 130%. Available on balances of $25,000 or more. |
Sources (2)
All captured Oct 6, 2026
Auto Loans - Model Years 2018-2023 (with Auto Pay Discount)
Rate includes a 0.25% discount for automatic loan payments from a Frontwave Checking Account. Standard passenger vehicles only. Financing up to 130% of vehicle value. No payments for up to 90 days (interest accrues). Membership and credit qualifications apply.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.74% | For Model Years 2018-2023. Up to 36 months. Rate includes 0.25% discount for automatic loan payments from a Frontwave Checking Account. Financing up to 130%. |
| 37–48 months | 4.99% | For Model Years 2018-2023. 37 to 48 months. Rate includes 0.25% discount for automatic loan payments from a Frontwave Checking Account. Financing up to 130%. |
| 49–66 months | 5.24% | For Model Years 2018-2023. 49 to 66 months. Rate includes 0.25% discount for automatic loan payments from a Frontwave Checking Account. Financing up to 130%. |
| 67–78 months | 5.49% | For Model Years 2018-2023. 67 to 78 months. Rate includes 0.25% discount for automatic loan payments from a Frontwave Checking Account. Financing up to 130%. |
| 79–84 months | 6.24% | For Model Years 2018-2023. 79 to 84 months. On balances of $25,000 or more. Rate includes 0.25% discount for automatic loan payments from a Frontwave Checking Account. Financing up to 130%. |
Sources (1)
- frontwavecu.com/resources/information/rates/loan-rates · captured Oct 6, 2026
Auto Loans - Model Years 2024 or Newer (with Auto Pay & Elite Plus Checking Discounts)
Rate includes 0.25% discount for Auto Pay from a Frontwave checking account and an additional 0.25% discount for Elite Plus Checking members. Standard passenger vehicles only. Financing up to 130% of vehicle value. No payments for up to 90 days (interest accrues). Membership and credit qualifications apply.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.24% | For 2024 model year and newer vehicles. Up to 36 months. Rate includes qualifying discounts for Auto Pay (0.25%) and Elite Plus Checking (0.25%). Financing up to 130%. |
| 37–48 months | 4.49% | For 2024 model year and newer vehicles. 37 to 48 months. Rate includes qualifying discounts for Auto Pay (0.25%) and Elite Plus Checking (0.25%). Financing up to 130%. |
| 49–66 months | 4.74% | For 2024 model year and newer vehicles. 49 to 66 months. Rate includes qualifying discounts for Auto Pay (0.25%) and Elite Plus Checking (0.25%). Financing up to 130%. |
| 67–78 months | 4.99% | For 2024 model year and newer vehicles. 67 to 78 months. Rate includes qualifying discounts for Auto Pay (0.25%) and Elite Plus Checking (0.25%). Financing up to 130%. |
| 79–84 months | 5.74% | For 2024 model year and newer vehicles. 79 to 84 months. Rate includes qualifying discounts for Auto Pay (0.25%) and Elite Plus Checking (0.25%). Financing up to 130%. Available on balances of $25,000 or more. |
| 85–96 months | 6.99% | For 2024 model year and newer vehicles. 85 to 96 months. Rate includes qualifying discounts for Auto Pay (0.25%) and Elite Plus Checking (0.25%). Financing up to 130%. Available on balances of $35,000 or more. |
Sources (2)
All captured Oct 6, 2026
Auto Loans - Model Years 2024 or Newer (with Auto Pay Discount)
Rate includes a 0.25% discount for automatic loan payments from a Frontwave Checking Account. Standard passenger vehicles only. Financing up to 130% of vehicle value. No payments for up to 90 days (interest accrues). Membership and credit qualifications apply.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.49% | For Model Years 2024 or Newer. Up to 36 months. Rate includes 0.25% discount for automatic loan payments from a Frontwave Checking Account. Financing up to 130%. |
| 37–48 months | 4.74% | For Model Years 2024 or Newer. 37 to 48 months. Rate includes 0.25% discount for automatic loan payments from a Frontwave Checking Account. Financing up to 130%. |
| 49–66 months | 4.99% | For Model Years 2024 or Newer. 49 to 66 months. Rate includes 0.25% discount for automatic loan payments from a Frontwave Checking Account. Financing up to 130%. |
| 67–78 months | 5.24% | For Model Years 2024 or Newer. 67 to 78 months. Rate includes 0.25% discount for automatic loan payments from a Frontwave Checking Account. Financing up to 130%. |
| 79–84 months | 5.99% | For Model Years 2024 or Newer. 79 to 84 months. On balances of $25,000 or more. Rate includes 0.25% discount for automatic loan payments from a Frontwave Checking Account. Financing up to 130%. |
| 85–96 months | 7.24% | For Model Years 2024 or Newer. 85 to 96 months. On balances of $35,000 or more. Rate includes 0.25% discount for automatic loan payments from a Frontwave Checking Account. Financing up to 130%. |
Sources (1)
- frontwavecu.com/resources/information/rates/loan-rates · captured Oct 6, 2026
Motorcycle Loans - Model Years 2024 or Newer
Rate includes a 0.25% discount for automatic loan payments from a Frontwave Checking Account. Financing up to 100%. All loan rates and conditions may change without notice.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 6.74% | For Model Years 2024 or Newer. Up to 48 months. Rate includes a 0.25% discount for automatic loan payments from a Frontwave Checking Account. Financing up to 100%. |
| up to 60 months | 6.99% | For Model Years 2024 or Newer. Up to 60 months. Rate includes a 0.25% discount for automatic loan payments from a Frontwave Checking Account. Financing up to 100%. |
| up to 72 months | 7.24% | For Model Years 2024 or Newer. Up to 72 months. Rate includes a 0.25% discount for automatic loan payments from a Frontwave Checking Account. Financing up to 100%. |
Sources (1)
- frontwavecu.com/resources/information/rates/loan-rates · captured Oct 6, 2026
Who can join Frontwave Credit Union
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