Credit union · NCUA insured
L.A. Electrical Workers Credit Union Auto Loan Rates
L.A. Electrical Workers Credit Union auto loans start at 6.24% APR for a new vehicle and 6.24% for a used one. Rates checked October 16, 2026.
How L.A. Electrical Workers Credit Union’s auto loan rates compare
Compared with banks and credit unions near Los Angeles, CA, where L.A. Electrical Workers Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
L.A. Electrical Workers Credit Union
6.24%APR
- Terms
- up to 60 months
- Discount
- None included
DIRECT New & Used Auto Loans
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
L.A. Electrical Workers Credit Union auto loan score
65
Auto loan score
Higher than 13% of U.S. banks and credit unions
- New vehicleNew6.24%
- Used vehicleUsed6.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where L.A. Electrical Workers 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.
DIRECT New & Used Auto Loans
Up to 120% LTV. Rates vary based on FICO score tiers (720+, 671-719, 650-670, 600-649, 555-599, <554) and loan terms (36, 48, 60, 72, 84 months). No pre-payment penalties. Interest paid only on amount owed; payroll deduction available.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.99% | FICO 720+; Up to 120% LTV |
| up to 48 months | 5.74% | FICO 720+; Up to 120% LTV |
| up to 60 months | 6.24% | FICO 720+; Up to 120% LTV |
| up to 72 months | 6.74% | FICO 720+; Up to 120% LTV |
| up to 84 months | 7.94% | FICO 720+; Up to 120% LTV |
| up to 36 months | 5.29% | FICO 671-719; Up to 120% LTV |
| up to 48 months | 6.04% | FICO 671-719; Up to 120% LTV |
| up to 60 months | 6.54% | FICO 671-719; Up to 120% LTV |
| up to 72 months | 7.04% | FICO 671-719; Up to 120% LTV |
| up to 84 months | 8.24% | FICO 671-719; Up to 120% LTV |
| up to 36 months | 5.99% | FICO 650-670; Up to 120% LTV |
| up to 48 months | 6.74% | FICO 650-670; Up to 120% LTV |
| up to 60 months | 7.24% | FICO 650-670; Up to 120% LTV |
| up to 72 months | 7.74% | FICO 650-670; Up to 120% LTV |
| up to 84 months | 8.94% | FICO 650-670; Up to 120% LTV |
| up to 36 months | 8.99% | FICO 600-649; Up to 120% LTV |
| up to 48 months | 9.49% | FICO 600-649; Up to 120% LTV |
| up to 60 months | 9.99% | FICO 600-649; Up to 120% LTV |
| up to 72 months | 10.49% | FICO 600-649; Up to 120% LTV |
| up to 84 months | 11.69% | FICO 600-649; Up to 120% LTV |
| up to 36 months | 14.54% | FICO 555-599; Up to 120% LTV |
| up to 48 months | 15.29% | FICO 555-599; Up to 120% LTV |
| up to 60 months | 15.79% | FICO 555-599; Up to 120% LTV |
| up to 72 months | 16.29% | FICO 555-599; Up to 120% LTV |
| up to 84 months | 17.49% | FICO 555-599; Up to 120% LTV |
| up to 36 months | 17.99% | FICO <554; Up to 120% LTV |
| up to 48 months | 17.99% | FICO <554; Up to 120% LTV |
| up to 60 months | 17.99% | FICO <554; Up to 120% LTV |
| up to 72 months | 17.99% | FICO <554; Up to 120% LTV |
| up to 84 months | 17.99% | FICO <554; Up to 120% LTV |
Who can join L.A. Electrical Workers Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Members of IBEW Local 11 are eligible for membership.
Family and household
- Spouses and children of members are eligible for membership.
Cost to join
- A minimum deposit of $20.00 is required to open a savings account.
- A one-time membership fee of $5.00 is required.
Membership information collected October 5, 2026.