Credit union · NCUA insured
Los Angeles Federal Credit Union Auto Loan Rates
Los Angeles Federal Credit Union auto loans start at 3.90% APR for a new vehicle. Rates checked October 16, 2026.
How Los Angeles Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Los Angeles, CA, where Los Angeles Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Los Angeles Federal Credit Union
3.90%APR
- Terms
- —
- Discount
- None included
New Vehicle 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
Los Angeles Federal Credit Union auto loan score
87
Auto loan score
Higher than 75% of U.S. banks and credit unions
- New vehicleNew3.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Los Angeles 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 Vehicle Loans
Must be an LAFCU member to apply. All loans subject to credit approval and other conditions.
| Terms | APR | Conditions |
|---|---|---|
| — | 3.90% | — |
Sources (1)
- lafcu.org · captured Oct 6, 2026
Vehicle Refinance Loan
Refinance offer valid for vehicle loans from other lenders (not LAFCU). Minimum loan amount to qualify for 1% cash back is $10,000 (valid if application received between 10/1/25 and 12/31/26 and funded on or before 1/15/27). Total refinanced amount cannot exceed 100% LTV for vehicles older than 5 years (unless adding GAP or MBI). Must be an LAFCU member.
| Terms | APR | Conditions |
|---|---|---|
| — | 3.90% | Lowest floor rate is 3.90% APR based on meeting criteria such as credit score, relationship tier, automatic payments, term length, and CU Rewards redemption. Matches remaining term and balance of current loan. Minimum loan amount of $10,000 required for 1% cash back promotion (valid on applications received 10/1/25 to 12/31/26 and funded by 1/15/27). |
Who can join Los Angeles 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This may be incomplete or out of date, so check with the credit union before you apply.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
- Eligible by making an $8.00 donation to join the LOS ANGELES CHARITIABLE ASSOCIATION, INC., if you live or have a business in Los Angeles, Orange, Riverside, San Bernardino, or Ventura counties.
Military, government and schools
- Eligible if you work for the City of Los Angeles, CA.
Cost to join
- A $5 one-time LAFCU membership fee is required when opening an account.
- Opening deposit requires a $5 minimum savings account deposit in a Regular Share Savings account.
Membership information collected October 5, 2026.