Credit union · NCUA insured
Golden Valley Federal Credit Union Auto Loan Rates
Golden Valley Federal Credit Union auto loans start at 4.75% APR for a new vehicle and 5.25% for a used one. Rates checked October 16, 2026.
How Golden Valley Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Stockton, CA, where Golden Valley Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Golden Valley Federal Credit Union
4.75%APR
- Terms
- 49–60 months
- Discount
- None included
New Auto Loans
Lowest rate
Central State Credit Union
4.49%APR
- Terms
- up to 84 months
- Discount
- None included
2nd-lowest rate
Certified Federal Credit Union
4.49%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Golden Valley Federal Credit Union auto loan score
83
Auto loan score
Higher than 61% of U.S. banks and credit unions
- New vehicleNew4.75%
- Used vehicleUsed5.25%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Golden Valley 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.
New Auto Loans
Low and no down payment options on new cars, trucks, vans and SUVs including tax and license. Subject to credit approval and underwriting guidelines.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.50% | Lowest rate offered. Rate determined by credit and ability to pay. Additional discounts may apply for automatic payment transfer from GVFCU checking account and direct deposit. |
| 49–60 months | 4.75% | Lowest rate offered. Rate determined by credit and ability to pay. Additional discounts may apply for automatic payment transfer from GVFCU checking account and direct deposit. |
| 61–72 months | 5.25% | Lowest rate offered. Rate determined by credit and ability to pay. Additional discounts may apply for automatic payment transfer from GVFCU checking account and direct deposit. |
| 73–84 months | 5.75% | Lowest rate offered. Rate determined by credit and ability to pay. Additional discounts may apply for automatic payment transfer from GVFCU checking account and direct deposit. |
Sources (2)
All captured Oct 16, 2026
New Electric/Hybrid Vehicles
Must fall within Golden Valley FCU's underwriting guidelines.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.50% | Lowest rate offered. Rate determined by credit and ability to pay. Additional discounts may apply for automatic payment transfer from GVFCU checking account and direct deposit. |
| 49–60 months | 5.00% | Lowest rate offered. Rate determined by credit and ability to pay. Additional discounts may apply for automatic payment transfer from GVFCU checking account and direct deposit. |
| 61–72 months | 5.50% | Lowest rate offered. Rate determined by credit and ability to pay. Additional discounts may apply for automatic payment transfer from GVFCU checking account and direct deposit. |
| 73–84 months | 6.00% | Lowest rate offered. Rate determined by credit and ability to pay. Additional discounts may apply for automatic payment transfer from GVFCU checking account and direct deposit. |
Sources (2)
All captured Oct 16, 2026
New/Used Motorcycles
Finance up to 100% of MSRP plus tax and license on new motorcycles. Finance up to 95% of loan-to-value on used motorcycles.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 10.00% | Lowest rate offered. Rate determined by credit and ability to pay. Additional discounts may apply for automatic payment transfer from GVFCU checking account and direct deposit. |
| 37–48 months | 11.00% | Lowest rate offered. Rate determined by credit and ability to pay. Additional discounts may apply for automatic payment transfer from GVFCU checking account and direct deposit. |
| 49–60 months | 12.00% | Lowest rate offered. Rate determined by credit and ability to pay. Additional discounts may apply for automatic payment transfer from GVFCU checking account and direct deposit. |
| 61–72 months | 12.50% | Lowest rate offered. Rate determined by credit and ability to pay. Additional discounts may apply for automatic payment transfer from GVFCU checking account and direct deposit. |
Sources (2)
All captured Oct 16, 2026
Used Auto Loans
Low and no down payment options on used car, trucks, vans and SUVs including tax and license. Finances used autos up to 15 years old. Subject to credit approval and underwriting guidelines.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.75% | Lowest rate offered. Rate determined by credit and ability to pay. Additional discounts may apply for automatic payment transfer from GVFCU checking account and direct deposit. |
| 49–60 months | 5.25% | Lowest rate offered. Rate determined by credit and ability to pay. Additional discounts may apply for automatic payment transfer from GVFCU checking account and direct deposit. |
| 61–72 months | 5.75% | Lowest rate offered. Rate determined by credit and ability to pay. Additional discounts may apply for automatic payment transfer from GVFCU checking account and direct deposit. |
| 73–84 months | 6.25% | Lowest rate offered. Rate determined by credit and ability to pay. Additional discounts may apply for automatic payment transfer from GVFCU checking account and direct deposit. |
Sources (2)
All captured Oct 16, 2026
Used Electric/Hybrid Vehicles
Must fall within Golden Valley FCU's underwriting guidelines.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.00% | Lowest rate offered. Rate determined by credit and ability to pay. Additional discounts may apply for automatic payment transfer from GVFCU checking account and direct deposit. |
| 37–48 months | 5.50% | Lowest rate offered. Rate determined by credit and ability to pay. Additional discounts may apply for automatic payment transfer from GVFCU checking account and direct deposit. |
| 49–60 months | 6.25% | Lowest rate offered. Rate determined by credit and ability to pay. Additional discounts may apply for automatic payment transfer from GVFCU checking account and direct deposit. |
| 61–72 months | 7.00% | Lowest rate offered. Rate determined by credit and ability to pay. Additional discounts may apply for automatic payment transfer from GVFCU checking account and direct deposit. |
Sources (2)
All captured Oct 16, 2026
Who can join Golden Valley 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 San Joaquin County are eligible for membership.
Family and household
- Immediate family members of a current Golden Valley Federal Credit Union member are eligible to join regardless of where they live.
Membership information collected October 5, 2026.