Credit union · NCUA insured
Gain Federal Credit Union Auto Loan Rates
Gain Federal Credit Union auto loans start at 5.00% APR for a new vehicle and 5.00% for a used one. Rates checked October 16, 2026.
How Gain Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Los Angeles, CA, where Gain Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Gain Federal Credit Union
5.00%APR
- Terms
- up to 60 months
- Discount
- None included
Auto Loans
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
Gain Federal Credit Union auto loan score
82
Auto loan score
Higher than 57% of U.S. banks and credit unions
- New vehicleNew5.00%
- Used vehicleUsed5.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Gain 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.
Auto Loans
Rates advertised are best available for new or used cars, trucks, SUVs, and vans that are three years old or newer with less than 125,000 miles. Excludes cargo vans; van conversions refer to RV loan rates. Must be 18 years of age or older. Subject to credit approval and Gain FCU membership.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.25% | Fixed rate as low as for 24-month term. No payments for up to 90 days option available for vehicles 3 years old and newer (interest accrues during 90-day period; not available for first-time buyers or JumpStart loans). |
| up to 36 months | 4.50% | Fixed rate as low as for 36-month term. No payments for up to 90 days option available for vehicles 3 years old and newer (interest accrues during 90-day period; not available for first-time buyers or JumpStart loans). |
| up to 48 months | 4.75% | Fixed rate as low as for 48-month term. No payments for up to 90 days option available for vehicles 3 years old and newer (interest accrues during 90-day period; not available for first-time buyers or JumpStart loans). |
| up to 60 months | 5.00% | Fixed rate as low as for 60-month term. No payments for up to 90 days option available for vehicles 3 years old and newer (interest accrues during 90-day period; not available for first-time buyers or JumpStart loans). Representative example: $30,000 loan at 5.00% APR for 60 months results in 60 payments of $567.19. |
| up to 72 months | 5.25% | Fixed rate as low as for 72-month term. No payments for up to 90 days option available for vehicles 3 years old and newer (interest accrues during 90-day period; not available for first-time buyers or JumpStart loans). |
| up to 84 months | 5.75% | Fixed rate as low as for 84-month term. No payments for up to 90 days option available for vehicles 3 years old and newer (interest accrues during 90-day period; not available for first-time buyers or JumpStart loans). |
JumpStart Auto Loan
Designed for credit-challenged borrowers, first-time buyers, or refinancing loans with interest rates higher than 11.5%. Available for new to 7 model years old vehicles with 100,000 miles or less. Maximum LTV 110%, maximum term 72 months, minimum monthly payment $100. Skip-a-Payments and motorcycles are excluded. No prepayment penalty. GAP may be required in some instances.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 12.00% | Fixed rate as low as for new and used vehicles (new to seven years old) for a 60-month term. Representative example: $25,000 loan at 12.00% APR for 60 months results in 60 payments of $556.31. |
| up to 72 months | 13.00% | Fixed rate as low as for new and used vehicles (new to seven years old) for a 72-month term. |
Sources (1)
- gainfcu.com/loans/auto.html · captured Oct 6, 2026
Who can join Gain Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, work, worship, or attend school in, and businesses and legal entities in designated underserved census tracts in Los Angeles County, California are eligible for membership.
- Members of record of United Auto Workers FCU as of December 31, 2019, and persons who regularly work, attend school, worship, or participate in associations headquartered in zip code 91331 in Los Angeles County, CA are eligible for membership.
Employers and groups
- Members, volunteers, and Docents of the Autry Museum Docent Council are eligible for membership.
- Full-time employees of Burbank City Employees Association, AFSCME 3143 who work in Burbank, California are eligible for membership.
- Employees of Buddy's All Stars, Inc. and Handy Market Burbank are eligible for membership.
- Members of Burbank City Charitable Giving Association in Burbank, California qualifying under its July 1, 2007 bylaws are eligible for membership.
16 more ways to join
Employers and groups
- Employees of Deluxe Laboratories Entertainment Services Group Inc. and associated businesses (Allied Barton Security Services, Kona Cutting, Inc., D. Bassett and Associates, Inc., Trunzo & Associates) are eligible for membership.
- Employees of FotoKem Film and Video who work in Burbank, California are eligible for membership.
- Voting members of the Friends of the Burbank Public Library in Burbank, CA qualifying under its September 15, 1999 bylaws who reside in Southern California (zip codes 90000-93599) are eligible for membership.
- Voting members of the Burbank Historical Society in Burbank, CA qualifying under its July 20, 1993 bylaws who reside in Southern California (zip codes 90000-93599) are eligible for membership.
- Employees and members of International Alliance of Theatrical Stage Employees IATSE Local 33 in Burbank, California are eligible for membership.
- Employees of J & R Film Company/Moviola and Metropolitan Culinary Services who work in, or are paid or supervised from Burbank, California are eligible for membership.
- Members of National Charity League (NCL, Inc.) Burbank Chapter in Burbank, California qualifying under its June 1, 2015 bylaws are eligible for membership.
- Members of record of Pacoima Developmental FCU (as of July 29, 2019), voting members of Pacoima Chamber of Commerce, voting members of Valley Industry and Commerce Association, and employees of Valley Economic Development Center are eligible for membership.
- Members of the Burbank Association of Realtors in Burbank, California are eligible for membership.
- Employees of Burbank Community YMCA who work in or are headquartered in Burbank, California are eligible for membership.
Military, government and schools
- Members of record of Canoga Postal FCU as of March 1, 2021, and employees of the U.S. Post Office Department who work in Canoga Park, Northridge, Chatsworth, and Reseda, California are eligible for membership.
- Employees of the City of Burbank, California (including Burbank Police Reserves and Police Chaplains) are eligible for membership.
- Employees of the Cumberland-Dauphin-Harrisburg Transit Authority working in Cumberland, Dauphin, and Perry Counties, Pennsylvania are eligible for membership.
Family and household
- Immediate family members (spouse, child, sibling, parent, grandparent, grandchild, including step and adoptive relations), household members living in the same residence as a single economic unit, and surviving spouses of eligible persons are eligible for membership.
Other ways
- Members of Community Impact Fund (CIF) who are U.S. citizens or legal visitors with government ID and voting members under October 11, 2022 bylaws are eligible for membership.
- Members of record of Deluxe Federal Credit Union as of December 9, 2016 are eligible for membership.
Cost to join
- Becoming a member of community partners when joining through Gain Federal Credit Union costs $10.
Membership information collected October 5, 2026.