Credit union · NCUA insured
Honda Federal Credit Union Auto Loan Rates
Honda Federal Credit Union auto loans start at 4.99% APR for a new vehicle and 5.24% for a used one. Rates checked October 16, 2026.
How Honda Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Los Angeles, CA, where Honda Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Honda Federal Credit Union
4.99%APR
- Terms
- up to 66 months
- Discount
- None included
New Automobiles (2025 and Newer)
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
Honda Federal Credit Union auto loan score
81
Auto loan score
Higher than 54% 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.
Where Honda 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.
Motorcycles
Up to 100% financing. Choose a secured loan for a lower rate or an unsecured loan to have no collateral. Optional automatic payments with payroll deduction or account transfers. Zero processing fees or prepayment penalties. Rates may vary.
| Terms | APR | Conditions |
|---|---|---|
| up to 66 months | 6.49% | Estimated payment per $1000 is $18.40. |
| up to 75 months | 6.99% | Estimated payment per $1000 is $16.84. |
Sources (2)
All captured Oct 16, 2026
New Automobiles (2025 and Newer)
Up to 100% financing. Choose a secured loan for a lower rate or an unsecured loan to have no collateral. Optional automatic payments with payroll deduction or account transfers. Zero processing fees or prepayment penalties. Rates may vary.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.49% | Estimated payment per $1000 is $22.80. |
| up to 66 months | 4.99% | Estimated payment per $1000 is $17.36. |
| up to 75 months | 5.49% | Estimated payment per $1000 is $15.79. |
| up to 84 months | 5.99% | Estimated payment per $1000 is $14.61. |
| up to 96 months | 6.49% | Estimated payment per $1000 is $13.39. |
Sources (2)
All captured Oct 16, 2026
Used Automobiles (2021 - 2024)
Up to 100% financing. Choose a secured loan for a lower rate or an unsecured loan to have no collateral. Optional automatic payments with payroll deduction or account transfers. Zero processing fees or prepayment penalties. Rates may vary. Older Used Automobiles carry higher rates.
| Terms | APR | Conditions |
|---|---|---|
| up to 66 months | 5.24% | Estimated payment per $1000 is $17.48. |
| up to 75 months | 6.04% | Estimated payment per $1000 is $16.05. |
| up to 84 months | 6.84% | Estimated payment per $1000 is $15.02. |
Sources (2)
All captured Oct 16, 2026
Who can join Honda Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees, associates, or retirees of Honda, affiliated companies, and participating Dealernet Dealers are eligible for membership.
Family and household
- Spouses, children, parents, siblings, and grandparents of current Honda FCU members in good standing are eligible for membership.
Cost to join
- Membership requires an opening deposit of $5.
Membership information collected October 5, 2026.