Credit union · NCUA insured
Long Beach City Employees Federal Credit Union Auto Loan Rates
Top CarrotLong Beach City Employees Federal Credit Union auto loans start at 4.24% APR for a new vehicle and 4.49% for a used one. Rates checked October 16, 2026.
How Long Beach City Employees Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Los Angeles, CA, where Long Beach City Employees Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Long Beach City Employees Federal Credit Union
4.24%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
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
Long Beach City Employees Federal Credit Union auto loan score
88
Auto loan score
Higher than 85% of U.S. banks and credit unions
- New vehicleNew4.24%
- Used vehicleUsed4.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Long Beach City Employees 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
Up to 130% MSRP (model years 2025-2026). Rates include a 0.25% discount for Automatic Payment from an account at LBCEFCU; rates are 0.25% higher without automatic payment. Personal use vehicles only, no more than 8 model years old with less than 100,000 miles.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.49% | Includes 0.25% automatic payment discount. Estimated monthly payment: $29.30 per $1,000 borrowed. |
| up to 48 months | 3.74% | Includes 0.25% automatic payment discount. Estimated monthly payment: $22.47 per $1,000 borrowed. |
| up to 60 months | 4.24% | Includes 0.25% automatic payment discount. Estimated monthly payment: $18.53 per $1,000 borrowed. |
| up to 72 months | 4.49% | Includes 0.25% automatic payment discount. Estimated monthly payment: $15.87 per $1,000 borrowed. |
| up to 84 months | 4.74% | Includes 0.25% automatic payment discount. Estimated monthly payment: $14.02 per $1,000 borrowed. |
Sources (1)
- lbcefcu.org/rates · captured Oct 6, 2026
New - Motorcycle
Up to 90% MSRP (model years 2025-2026). Rates include a 0.25% discount for Automatic Payment from an account at LBCEFCU; rates are 0.25% higher without automatic payment. Personal use vehicles purchased and registered in CA by CA residents only, no more than 8 model years old with less than 100,000 miles.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.74% | Includes 0.25% automatic payment discount. Estimated monthly payment: $19.22 per $1,000 borrowed. |
Sources (1)
- lbcefcu.org/rates · captured Oct 6, 2026
Used - Auto
Up to 130% KBB retail value (model years 2019-2025). Rates include a 0.25% discount for Automatic Payment from an account at LBCEFCU; rates are 0.25% higher without automatic payment. Personal use vehicles only, no more than 8 model years old with less than 100,000 miles.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.74% | Includes 0.25% automatic payment discount. Estimated monthly payment: $29.41 per $1,000 borrowed. |
| up to 48 months | 3.99% | Includes 0.25% automatic payment discount. Estimated monthly payment: $22.58 per $1,000 borrowed. |
| up to 60 months | 4.49% | Includes 0.25% automatic payment discount. Estimated monthly payment: $18.64 per $1,000 borrowed. |
| up to 72 months | 4.74% | Includes 0.25% automatic payment discount. Estimated monthly payment: $15.99 per $1,000 borrowed. |
| up to 84 months | 4.99% | Includes 0.25% automatic payment discount. Estimated monthly payment: $14.14 per $1,000 borrowed. |
Sources (1)
- lbcefcu.org/rates · captured Oct 6, 2026
Used - Motorcycle
Up to 90% KBB retail value (model years 2019-2025). Rates include a 0.25% discount for Automatic Payment from an account at LBCEFCU; rates are 0.25% higher without automatic payment. Personal use vehicles purchased and registered in CA by CA residents only, no more than 8 model years old with less than 100,000 miles.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.99% | Includes 0.25% automatic payment discount. Estimated monthly payment: $19.33 per $1,000 borrowed. |
Sources (1)
- lbcefcu.org/rates · captured Oct 6, 2026
Who can join Long Beach City Employees Federal Credit Union
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