Credit union · NCUA insured
JACom Credit Union Auto Loan Rates
JACom Credit Union auto loans start at 4.90% APR for a new vehicle and 6.90% for a used one. Rates checked October 16, 2026.
How JACom Credit Union’s auto loan rates compare
Compared with banks and credit unions near Los Angeles, CA, where JACom Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
JACom Credit Union
4.90%APR
- Terms
- up to 60 months
- Discount
- None included
New Auto
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
JACom Credit Union auto loan score
79
Auto loan score
Higher than 48% of U.S. banks and credit unions
- New vehicleNew4.90%
- Used vehicleUsed6.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where JACom 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.
Auto Secured ≤ 3 Years
Vehicle age ≤ 3 years. Requires vehicle title. Borrow up to 80% of average Blue Book value with terms up to 60 months (or rates listed up to 72 months on schedule). All loan approvals subject to credit and income evaluation. Rates vary depending on creditworthiness, terms, and amount financed. Rates are the lowest rates offered based on credit history plus other factors. No prepayment penalties. A $50.00 CU processing fee is required. If applicable, DMV fees and sales tax also required. Amount financed is based on the lower of the average Blue Book & Carfax or the purchase price.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.90% | Maximum Financing: 80% of Purchase Price. A $50.00 CU processing fee is required. Amount financed based on lower of average Blue Book & Carfax or purchase price. |
| up to 72 months | 6.90% | Maximum Financing: 80% of Purchase Price. A $50.00 CU processing fee is required. Amount financed based on lower of average Blue Book & Carfax or purchase price. |
| up to 60 months | 6.90% | Maximum Financing: 90% of Purchase Price. A $50.00 CU processing fee is required. Amount financed based on lower of average Blue Book & Carfax or purchase price. |
| up to 72 months | 7.90% | Maximum Financing: 90% of Purchase Price. A $50.00 CU processing fee is required. Amount financed based on lower of average Blue Book & Carfax or purchase price. |
| up to 60 months | 7.90% | Maximum Financing: 100% of Purchase Price. A $50.00 CU processing fee is required. Amount financed based on lower of average Blue Book & Carfax or purchase price. |
| up to 72 months | 8.90% | Maximum Financing: 100% of Purchase Price. A $50.00 CU processing fee is required. Amount financed based on lower of average Blue Book & Carfax or purchase price. |
Motorcycle Loans
Dealer purchases only. No private party sales. All loans are subject to credit approval. Rates are subject to change without notice. Rates vary depending on creditworthiness, terms, and amount financed.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 7.00% | Maximum Financing: 100% of Purchase Price. Dealer purchases only. No private party sales. |
| up to 60 months | 8.00% | Maximum Financing: 100% of Purchase Price. Dealer purchases only. No private party sales. |
New Auto
All loan approvals are subject to credit and income evaluation. Rates vary depending on creditworthiness, terms, and amount financed. Rates are the lowest rates offered based on credit history plus other factors. No prepayment penalties. New vehicles financed for less than 3 months through dealer financing can be refinanced at new auto rate and term (fees and restrictions apply).
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.90% | Maximum Financing: 80% of Purchase Price |
| up to 72 months | 5.90% | Maximum Financing: 80% of Purchase Price |
| up to 60 months | 5.90% | Maximum Financing: 90% of Purchase Price |
| up to 72 months | 6.90% | Maximum Financing: 90% of Purchase Price |
| up to 60 months | 6.90% | Maximum Financing: 100% of Purchase Price |
| up to 72 months | 7.90% | Maximum Financing: 100% of Purchase Price |
Pre-Owned or Refinance ≤ 3 Years
Vehicle age ≤ 3 years. All loan approvals subject to credit and income evaluation. Rates vary depending on creditworthiness, terms, and amount financed. Rates are the lowest rates offered based on credit history plus other factors. No prepayment penalties. A $50.00 CU processing fee is required. If applicable, DMV fees and sales tax also required. Amount financed is based on the lower of the average Blue Book & Carfax or the purchase price.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.90% | Maximum Financing: 80% of Purchase Price. A $50.00 CU processing fee is required. Amount financed based on lower of average Blue Book & Carfax or purchase price. |
| up to 72 months | 6.90% | Maximum Financing: 80% of Purchase Price. A $50.00 CU processing fee is required. Amount financed based on lower of average Blue Book & Carfax or purchase price. |
| up to 60 months | 6.90% | Maximum Financing: 90% of Purchase Price. A $50.00 CU processing fee is required. Amount financed based on lower of average Blue Book & Carfax or purchase price. |
| up to 72 months | 7.90% | Maximum Financing: 90% of Purchase Price. A $50.00 CU processing fee is required. Amount financed based on lower of average Blue Book & Carfax or purchase price. |
| up to 60 months | 7.90% | Maximum Financing: 100% of Purchase Price. A $50.00 CU processing fee is required. Amount financed based on lower of average Blue Book & Carfax or purchase price. |
| up to 72 months | 8.90% | Maximum Financing: 100% of Purchase Price. A $50.00 CU processing fee is required. Amount financed based on lower of average Blue Book & Carfax or purchase price. |
Who can join JACom Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of eligible sponsor organizations (The Rafu Shimpo, East West Eye Institute, Miyako Inn & Spa L.A., Morita Produce, Inc., King's Hawaiian Holding Co., Inc., Masada Homes, Yonemoto Physical Therapy Services, Japan Auto Corp., Harbor Japanese Community Center, Little Tokyo Service Center (LTSC) Community Development Corp., H & H Nursery, or Keiro Services) are eligible for membership.
- Employees or members of Higashi Honganji Buddhist Temple, Japanese American Cultural and Community Center, or Japanese Restaurant Assoc. of So Cal are eligible for membership.
Military, government and schools
- Pupils, past pupils, teachers, officials, PTA members, or persons associated in some other capacity with the Japanese Language School Unified System are eligible for membership.
Family and household
- Immediate family members (spouse, siblings, parents, and children) of current members are eligible for membership.
Other ways
- Persons of Japanese ancestry residing in Los Angeles, Orange, Riverside, or San Bernardino County are eligible for membership.
Membership information collected October 5, 2026.