Credit union · NCUA insured
Inland Valley Federal Credit Union Auto Loan Rates
Inland Valley Federal Credit Union auto loans start at 4.74% APR for a new vehicle and 5.24% for a used one. Rates checked October 16, 2026.
How Inland Valley Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Riverside, CA, where Inland Valley Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Inland Valley Federal Credit Union
4.74%APR
- Terms
- —
New Auto Loan
Lowest rate
Thinkwise Credit Union
3.49%APR
- Terms
- up to 60 months
2nd-lowest rate
Collegedale Credit Union
3.89%APR
- Terms
- —
Inland Valley Federal Credit Union auto loan score
85
Auto loan score
Higher than 70% of U.S. banks and credit unions
- New vehicleNew4.74%
- 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 Inland 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 Loan
For current year models. Inland Valley FCU utilizes a Risk Based Lending system where base rates are adjusted based on TransUnion Vantage Score (best scores reduce rates up to 1.00%, lowest scores increase up to 9.75%). Patronage rebates of 0.25% available for IVFCU MasterCard usage, It'sMe247 usage, Golden Member, and E-Statement enrollment. Direct deposit of net pay with auto-transfer earns 0.50% rebate.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.74% | For current year models. Base rate as low as 4.74%. Risk-based adjustments (-1.00% to +9.75%) and rebates (0.25% to 0.50%) apply. |
Sources (1)
- ivfcu.org/loan-rates · captured Oct 7, 2026
Older Used Vehicle
For vehicles more than 5 years old. Inland Valley FCU utilizes a Risk Based Lending system where base rates are adjusted based on TransUnion Vantage Score (best scores reduce rates up to 1.00%, lowest scores increase up to 9.75%). Patronage rebates of 0.25% available for IVFCU MasterCard usage, It'sMe247 usage, Golden Member, and E-Statement enrollment. Direct deposit of net pay with auto-transfer earns 0.50% rebate.
| Terms | APR | Conditions |
|---|---|---|
| — | 5.74% | For vehicles more than 5 years old. Base rate as low as 5.74%. Risk-based adjustments (-1.00% to +9.75%) and rebates (0.25% to 0.50%) apply. |
Sources (1)
- ivfcu.org/loan-rates · captured Oct 7, 2026
Used Auto Loan
For loans 5 yrs and newer. Inland Valley FCU utilizes a Risk Based Lending system where base rates are adjusted based on TransUnion Vantage Score (best scores reduce rates up to 1.00%, lowest scores increase up to 9.75%). Patronage rebates of 0.25% available for IVFCU MasterCard usage, It'sMe247 usage, Golden Member, and E-Statement enrollment. Direct deposit of net pay with auto-transfer earns 0.50% rebate.
| Terms | APR | Conditions |
|---|---|---|
| — | 5.24% | For loans 5 yrs and newer. Base rate as low as 5.24%. Risk-based adjustments (-1.00% to +9.75%) and rebates (0.25% to 0.50%) apply. |
Sources (1)
- ivfcu.org/loan-rates · captured Oct 7, 2026
Who can join Inland 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
- Membership is open to any person who lives, works, worships, or attends school in Fontana, Bloomington, Rialto, and parts of other surrounding cities such as Colton, San Bernardino, and Rancho Cucamonga.
Cost to join
- Establishing membership requires opening a savings account with a minimum deposit of $25.
- Establishing membership requires a one-time $2 membership fee.
Membership information collected October 5, 2026.