Credit union · NCUA insured
Golden 1 Credit Union Auto Loan Rates
Top CarrotGolden 1 Credit Union auto loans start at 4.99% APR for a new vehicle and 5.24% for a used one. Rates checked October 30, 2026.
How Golden 1 Credit Union’s auto loan rates compare
New vehicle, lowest advertised APR. The lowest rate among banks and credit unions with branches in each area.
This credit union’s lowest
Golden 1 Credit Union
4.99%APR
- Terms
- 12–84 months
New Auto Loans
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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 Refinance Loans
Refinancing auto loans from a different lender. No prepayment or application fee. 30-day rate guarantee. Terms 12 to 84 months (84-month terms available for vehicles up to 10 model years old: 2018-2027). A 0.50% member loyalty rate discount is available for primary and joint account holders who have been members for at least 7 months.
| Terms | APR | Conditions |
|---|---|---|
| 12–84 months | 5.24% | Rates as low as 5.24% APR. Flexible terms 12 to 84 months (84 months for vehicles up to 10 model years old). Rate varies based on creditworthiness, amount borrowed, term, and other factors. 0.50% member loyalty rate discount available for members of at least 7 months. |
Sources (1)
- golden1.com/loans/auto-loans/new-and-used · captured Oct 30, 2026
New Auto Loans
For cars, trucks, vans, or SUVs. No prepayment fee or application fee. 30-day rate guarantee. Terms 12 to 84 months (84-month terms available for vehicles up to 10 model years old: 2018-2027). A 0.50% member loyalty rate discount is available for primary and joint account holders who have been members for at least 7 months. 1.00% APR discount available when purchasing at Enterprise Car Sales in California (max 60 months).
| Terms | APR | Conditions |
|---|---|---|
| 12–84 months | 4.99% | Rates as low as 4.99% APR. Flexible terms 12 to 84 months (84 months for vehicles up to 10 model years old). Rate varies based on creditworthiness, amount borrowed, term, and other factors. 0.50% member loyalty rate discount available for members of at least 7 months. |
Sources (2)
All captured Oct 30, 2026
Used Auto Loans
For cars, trucks, vans, or SUVs. No prepayment fee or application fee. 30-day rate guarantee. Terms 12 to 84 months (84-month terms available for vehicles up to 10 model years old: 2018-2027). A 0.50% member loyalty rate discount is available for primary and joint account holders who have been members for at least 7 months. 1.00% APR discount available when purchasing at Enterprise Car Sales in California (max 60 months).
| Terms | APR | Conditions |
|---|---|---|
| 12–84 months | 5.24% | Rates as low as 5.24% APR. Flexible terms 12 to 84 months (84 months for vehicles up to 10 model years old). Rate varies based on creditworthiness, amount borrowed, term, and other factors. 0.50% member loyalty rate discount available for members of at least 7 months. |
Sources (2)
All captured Oct 30, 2026
Golden 1 Credit Union auto loan score
81
Auto loan score
Higher than 57% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed5.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Who can join Golden 1 Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- All Californians can join Golden 1 Credit Union.
Cost to join
- Opening a Regular Savings account establishes membership at Golden 1.
Membership information collected October 5, 2026.