Credit union · NCUA insured
KeyPoint Credit Union Auto Loan Rates
KeyPoint Credit Union auto loans start at 5.49% APR for a new vehicle and 5.74% for a used one. Rates checked October 16, 2026.
How KeyPoint Credit Union’s auto loan rates compare
Compared with banks and credit unions near San Jose, CA, where KeyPoint Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
KeyPoint Credit Union
5.49%APR
- Terms
- up to 60 months
- Up to
- 19.00% APR
- Discount
- None included
New Auto
Lowest rate
F3 Credit Union
3.74%APR
- Terms
- up to 72 months
- Up to
- —
- Discount
- Included in the rate
2nd-lowest rate
Stanford Federal Credit Union
4.49%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- Included in the rate
KeyPoint Credit Union auto loan score
70
Auto loan score
Higher than 27% of U.S. banks and credit unions
- New vehicleNew5.49%
- Used vehicleUsed5.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where KeyPoint 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
2026 or 2025 with under 5K miles. Rates on 2016 to 2018 model years are 2.00% higher than the rate for which applicant qualifies. Floor rate is 1.49%. 90-day deferral of first payment available to qualified applicants.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.24%–19.00% | Minimum loan amount is $5,000 (exceptions possible for < $5,000). |
| up to 36 months | 5.49%–19.00% | Minimum loan amount is $5,000 (exceptions possible for < $5,000). |
| up to 48 months | 5.49%–19.00% | Minimum loan amount is $5,000 (exceptions possible for < $5,000). |
| up to 60 months | 5.49%–19.00% | Minimum loan amount is $5,000 (exceptions possible for < $5,000). |
| up to 72 months | 5.74%–19.00% | Minimum loan amount is $5,000 (exceptions possible for < $5,000). |
| up to 84 months | 5.99%–19.00% | Minimum loan amount is $5,000 (exceptions possible for < $5,000). |
Sources (1)
- kpcu.com/rates/vehicle-loan-rates · captured Oct 16, 2026
New Motorcycle
Model year 2026 and newer. Maximum loan amount is $50,000. Payment Example: Pay $23.84 per month per $1,000 borrowed at 6.74% APR for 48-months.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 6.24% | Minimum loan amount for new motorcycles is $3,000. Maximum loan amount is $50,000. |
| up to 48 months | 6.74% | Minimum loan amount for new motorcycles is $3,000. Maximum loan amount is $50,000. |
| up to 60 months | 6.99% | Minimum loan amount for new motorcycles is $3,000. Maximum loan amount is $50,000. |
| up to 72 months | 7.24% | Minimum loan amount for new motorcycles is $3,000. Maximum loan amount is $50,000. |
Sources (1)
- kpcu.com/rates/vehicle-loan-rates · captured Oct 16, 2026
Used Auto
2019 – 2025 with 5K miles or more. Rates on 2016 to 2018 model years are 2.00% higher than the rate for which applicant qualifies. Floor rate is 1.49%. 90-day deferral of first payment available to qualified applicants.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.24%–19.00% | Minimum loan amount is $5,000 (exceptions possible for < $5,000). |
| up to 36 months | 5.74%–19.00% | Minimum loan amount is $5,000 (exceptions possible for < $5,000). |
| up to 48 months | 5.74%–19.00% | Minimum loan amount is $5,000 (exceptions possible for < $5,000). |
| up to 60 months | 5.74%–19.00% | Minimum loan amount is $5,000 (exceptions possible for < $5,000). |
| up to 72 months | 5.99%–19.00% | Minimum loan amount is $5,000 (exceptions possible for < $5,000). |
| up to 84 months | 6.24%–19.00% | Minimum loan amount is $5,000 (exceptions possible for < $5,000). |
Sources (1)
- kpcu.com/rates/vehicle-loan-rates · captured Oct 16, 2026
Used Motorcycle
Maximum five model years old. Maximum loan amount is $50,000. Payment Example: Pay $23.84 per month per $1,000 borrowed at 6.74% APR for 48-months.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 6.49% | Minimum loan amount for used motorcycles is $5,000. Maximum loan amount is $50,000. |
| up to 48 months | 6.74% | Minimum loan amount for used motorcycles is $5,000. Maximum loan amount is $50,000. |
| up to 60 months | 6.99% | Minimum loan amount for used motorcycles is $5,000. Maximum loan amount is $50,000. |
| up to 72 months | 7.24% | Minimum loan amount for used motorcycles is $5,000. Maximum loan amount is $50,000. |
Sources (1)
- kpcu.com/rates/vehicle-loan-rates · captured Oct 16, 2026
Who can join KeyPoint Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.