Credit union · NCUA insured
Kaiperm Credit Union Auto Loan Rates
Kaiperm Credit Union auto loans start at 5.29% APR for a new vehicle and 5.54% for a used one. Rates checked October 16, 2026.
How Kaiperm Credit Union’s auto loan rates compare
Compared with banks and credit unions near San Francisco, CA, where Kaiperm Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Kaiperm Credit Union
5.29%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- None included
Auto Loans
Lowest rate
Utility District Credit Union
3.50%APR
- Terms
- up to 60 months
- Up to
- 13.00% APR
- Discount
- None included
2nd-lowest rate
F3 Credit Union
3.74%APR
- Terms
- up to 72 months
- Up to
- —
- Discount
- Included in the rate
Kaiperm Credit Union auto loan score
73
Auto loan score
Higher than 33% of U.S. banks and credit unions
- New vehicleNew5.29%
- Used vehicleUsed5.54%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Kaiperm 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 Loans
Up to 100% financing for new and used cars. No loan application fees or pre-payment penalties. APR is subject to change and may vary depending on evaluation of credit history.
| Terms | APR | Conditions |
|---|---|---|
| 12–36 months | 4.99% | New auto (model year must be previous model year or newer, with 36,000 miles or less). Fixed rate. |
| up to 48 months | 5.09% | New auto (model year must be previous model year or newer, with 36,000 miles or less). Fixed rate. |
| up to 60 months | 5.29% | New auto (model year must be previous model year or newer, with 36,000 miles or less). Fixed rate. |
| up to 72 months | 5.49% | New auto (model year must be previous model year or newer, with 36,000 miles or less). Fixed rate. |
| up to 84 months | 5.69% | New auto (model year must be previous model year or newer, with 36,000 miles or less). Fixed rate. |
| 12–36 months | 5.24% | Used auto. Fixed rate. |
| up to 48 months | 5.34% | Used auto. Fixed rate. |
| up to 60 months | 5.54% | Used auto. Fixed rate. |
| up to 72 months | 5.74% | Used auto. Fixed rate. |
| up to 84 months | 5.94% | Used auto. Fixed rate. |
Electric & Hybrid Car Loans
Loans subject to credit and collateral qualification. Rates reflect a 0.25% discount for qualified electric/hybrid vehicles (BEVs, PHEVs, HEVs, FCEVs). Approvals good for 30 days.
| Terms | APR | Conditions |
|---|---|---|
| 12–36 months | 4.74% | New auto (previous model year or newer, with 36,000 miles or less). Fixed rate discounted for qualified electric/hybrid vehicles. |
| up to 48 months | 4.84% | New auto (previous model year or newer, with 36,000 miles or less). Fixed rate discounted for qualified electric/hybrid vehicles. |
| up to 60 months | 5.04% | New auto (previous model year or newer, with 36,000 miles or less). Fixed rate discounted for qualified electric/hybrid vehicles. |
| up to 72 months | 5.24% | New auto (previous model year or newer, with 36,000 miles or less). Fixed rate discounted for qualified electric/hybrid vehicles. |
| up to 84 months | 5.44% | New auto (previous model year or newer, with 36,000 miles or less). Fixed rate discounted for qualified electric/hybrid vehicles. |
| 12–36 months | 4.99% | Used auto. Fixed rate discounted for qualified electric/hybrid vehicles. |
| up to 48 months | 5.15% | Used auto. Fixed rate discounted for qualified electric/hybrid vehicles. |
| up to 60 months | 5.29% | Used auto. Fixed rate discounted for qualified electric/hybrid vehicles. |
| up to 72 months | 5.49% | Used auto. Fixed rate discounted for qualified electric/hybrid vehicles. |
| up to 84 months | 5.69% | Used auto. Fixed rate discounted for qualified electric/hybrid vehicles. |
Sources (1)
- kaipermcu.org/loans/electric-hybrid-car-loans · captured Oct 6, 2026
Motorcycles
Fixed rate motorcycle loans for new and used motorcycles. APR is subject to change and may vary depending on credit history.
| Terms | APR | Conditions |
|---|---|---|
| 12–48 months | 6.79% | New motorcycle. Fixed rate. |
| 60–72 months | 7.49% | New motorcycle. Fixed rate. |
| 12–48 months | 7.39% | Used motorcycle. Fixed rate. |
| 60–72 months | 7.89% | Used motorcycle. Fixed rate. |
Sources (1)
- kaipermcu.org/loans-rates · captured Oct 6, 2026
Who can join Kaiperm Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of Kaiser Permanente are eligible for membership.
- Kaiser retirees are eligible for membership.
- Kaiser volunteers are eligible for membership.
Family and household
- Family members of Kaiser Permanente employees are eligible for membership.
Cost to join
- It is free to join Kaiperm Credit Union.
Membership information collected October 5, 2026.