Credit union · NCUA insured
Huntington Beach Credit Union Auto Loan Rates
Huntington Beach Credit Union auto loans start at 5.25% APR for a new vehicle and 6.50% for a used one. Rates checked October 16, 2026.
How Huntington Beach Credit Union’s auto loan rates compare
Compared with banks and credit unions near Los Angeles, CA, where Huntington Beach Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Huntington Beach Credit Union
5.25%APR
- Terms
- up to 60 months
- Discount
- None included
New Car Loan
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
Huntington Beach Credit Union auto loan score
71
Auto loan score
Higher than 29% of U.S. banks and credit unions
- New vehicleNew5.25%
- Used vehicleUsed6.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Huntington Beach 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 Car Loan
Auto, truck, van, motorcycle. Prior year and current year models with less than 7,500 miles. First Time Buyer add 3.00% to highest rate in range for term. Financing includes taxes, licenses and insurance for qualified borrowers up to 120% MSRP. Rates effective October 1, 2026.
| Terms | APR | Conditions |
|---|---|---|
| 1–48 months | 4.99% | First Time Buyer add 3.00% to highest rate in range for term |
| up to 60 months | 5.25% | First Time Buyer add 3.00% to highest rate in range for term |
| up to 72 months | 5.50% | First Time Buyer add 3.00% to highest rate in range for term |
| up to 84 months | 5.75% | First Time Buyer add 3.00% to highest rate in range for term |
| up to 96 months | 6.25% | First Time Buyer add 3.00% to highest rate in range for term |
Sources (3)
- huntingtonbeachcu.org
- huntingtonbeachcu.org/rates
- huntingtonbeachcu.org/huntingt…oan-center/vehicle-loans
All captured Oct 16, 2026
Used Car Loan
Auto, truck, van, motorcycle. Prior year models less than ten years old and current year models previously registered with more than 7,500 miles. First Time Buyer add 3.00% to highest rate in range for term. Financing includes taxes, licenses and insurance for qualified borrowers up to 115% of the NADA value of Kelley Blue Book. Rates effective October 1, 2026.
| Terms | APR | Conditions |
|---|---|---|
| 1–36 months | 5.99% | First Time Buyer add 3.00% to highest rate in range for term |
| up to 48 months | 6.25% | First Time Buyer add 3.00% to highest rate in range for term |
| up to 60 months | 6.50% | First Time Buyer add 3.00% to highest rate in range for term |
| up to 72 months | 6.75% | First Time Buyer add 3.00% to highest rate in range for term |
| up to 84 months | 7.25% | First Time Buyer add 3.00% to highest rate in range for term |
Sources (3)
- huntingtonbeachcu.org
- huntingtonbeachcu.org/rates
- huntingtonbeachcu.org/huntingt…oan-center/vehicle-loans
All captured Oct 16, 2026
Who can join Huntington Beach Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.