Credit union · NCUA insured
Kings Federal Credit Union Auto Loan Rates
Kings Federal Credit Union auto loans start at 5.24% APR for a new vehicle and 5.49% for a used one. Rates checked October 16, 2026.
How Kings Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Hanford, CA, where Kings Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Kings Federal Credit Union
5.24%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- None included
New Auto
Lowest rate
FAST Credit Union
3.99%APR
- Terms
- up to 60 months
- Up to
- 14.49% APR
- Discount
- Included in the rate
2nd-lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
- Up to
- —
- Discount
- None included
Kings Federal Credit Union auto loan score
75
Auto loan score
Higher than 38% of U.S. banks and credit unions
- New vehicleNew5.24%
- Used vehicleUsed5.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Kings 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
Membership in Kings Federal Credit Union required (open to individuals who live, work, worship, attend school, or regularly do business in Kings County, with a $1.00 minimum balance in a Share Savings account). Lowest rates displayed; actual rate based on credit qualification, collateral, model year, credit history, and loan term.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.24% | As low as rate based on model year, credit history, and term. |
| 61–72 months | 5.49% | As low as rate based on model year, credit history, and term. |
| 72–84 months | 5.99% | As low as rate based on model year, credit history, and term. |
Used Auto
Membership in Kings Federal Credit Union required (open to individuals who live, work, worship, attend school, or regularly do business in Kings County, with a $1.00 minimum balance in a Share Savings account). Lowest rates displayed; actual rate based on credit qualification, collateral, model year, credit history, and loan term.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.49% | As low as rate based on model year, credit history, and term. |
| 61–72 months | 5.74% | As low as rate based on model year, credit history, and term. |
| 72–84 months | 6.24% | As low as rate based on model year, credit history, and term. |
Who can join Kings 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 all residents of Kings County.
- Membership is open to individuals who live within 100 miles of Kings County and work, worship, attend school, or regularly conduct business in Kings County.
Family and household
- Membership is open to individuals who live within 100 miles of Kings County and have an immediate family member or household member who is eligible for membership at Kings Federal Credit Union.
Other ways
- Membership is open to individuals who live within 100 miles of Kings County and donate $50 to join the Children’s Storybook Garden and Museum’s “Friends of the Garden”.
Cost to join
- A $50 donation to join the Children’s Storybook Garden and Museum’s “Friends of the Garden” is required for eligibility under that path.
Membership information collected October 5, 2026.