Credit union · NCUA insured
Marin County Federal Credit Union Auto Loan Rates
Marin County Federal Credit Union auto loans start at 5.24% APR for a new vehicle and 5.34% for a used one. Rates checked October 16, 2026.
How Marin County Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near San Francisco, CA, where Marin County Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Marin County Federal Credit Union
5.24%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- None included
New Automobile & Motorcycle
Lowest rate
Utility District Credit Union
3.50%APR
- Terms
- up to 60 months
- Up to
- 13.00% APR
- Discount
- None included
2nd-lowest rate
F3 Credit Union
3.74%APR
- Terms
- up to 72 months
- Up to
- —
- Discount
- Included in the rate
Marin County Federal Credit Union auto loan score
77
Auto loan score
Higher than 43% of U.S. banks and credit unions
- New vehicleNew5.24%
- Used vehicleUsed5.34%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Marin County 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.
Auto Loans
Available to anyone who lives, works, worships or attends school in Marin County. Free preapproval — no application fee. Zero down payment available.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.49% | — |
| — | 4.99% | — |
Auto Refi
Refinance loans from other lenders. Existing MCFCU loans not eligible for refinancing. No application fee. Available to anyone who lives, works, worships or attends school in Marin County.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 2.64% | — |
New Automobile & Motorcycle
Vehicles with less than 1,000 miles. APR determined by credit score. Minimum loan balance required for 84 months: $30,000.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.49% | Credit score 720+ |
| up to 36 months | 5.29% | Credit score 719-700 |
| up to 36 months | 6.19% | Credit score 699-680 |
| up to 36 months | 7.44% | Credit score 679-640 |
| up to 36 months | 11.09% | Credit score 639-600 |
| up to 36 months | 13.24% | Credit score < 600 |
| up to 60 months | 5.24% | Credit score 720+ |
| up to 60 months | 6.04% | Credit score 719-700 |
| up to 60 months | 6.59% | Credit score 699-680 |
| up to 60 months | 7.64% | Credit score 679-640 |
| up to 60 months | 12.34% | Credit score 639-600 |
| up to 60 months | 13.99% | Credit score < 600 |
| up to 72 months | 5.49% | Credit score 720+ |
| up to 72 months | 6.34% | Credit score 719-700 |
| up to 72 months | 6.69% | Credit score 699-680 |
| up to 72 months | 7.84% | Credit score 679-640 |
| up to 72 months | 12.49% | Credit score 639-600 |
| up to 72 months | 14.39% | Credit score < 600 |
| up to 84 months | 5.79% | Credit score 720+; Minimum loan balance required for 84 months: $30,000 |
| up to 84 months | 6.79% | Credit score 719-700; Minimum loan balance required for 84 months: $30,000 |
| up to 84 months | 7.14% | Credit score 699-680; Minimum loan balance required for 84 months: $30,000 |
| up to 84 months | 8.69% | Credit score 679-640; Minimum loan balance required for 84 months: $30,000 |
| up to 84 months | 12.79% | Credit score 639-600; Minimum loan balance required for 84 months: $30,000 |
| up to 84 months | 14.69% | Credit score < 600; Minimum loan balance required for 84 months: $30,000 |
Sources (1)
- marincu.org/rates/vehicle-loan-rates · captured Sep 25, 2026
Older Automobiles
Up to 15 years old – based on credit history, collateral condition and Kelley Blue Book value.
| Terms | APR | Conditions |
|---|---|---|
| 24–48 months | 7.75% | Credit score 720+ |
| 24–48 months | 8.00% | Credit score 719-700 |
| 24–48 months | 8.75% | Credit score 699-680 |
| 24–48 months | 10.25% | Credit score 679-640 |
| 24–48 months | 14.75% | Credit score 639-600 |
| 24–48 months | 15.75% | Credit score < 600 |
Sources (1)
- marincu.org/rates/vehicle-loan-rates · captured Sep 25, 2026
Used Automobiles & Motorcycles
15 years old and newer. APR determined by credit score. Minimum loan balance required for 84 months: $30,000.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.74% | Credit score 720+ |
| up to 36 months | 5.54% | Credit score 719-700 |
| up to 36 months | 6.44% | Credit score 699-680 |
| up to 36 months | 7.69% | Credit score 679-640 |
| up to 36 months | 11.34% | Credit score 639-600 |
| up to 36 months | 13.49% | Credit score < 600 |
| up to 60 months | 5.34% | Credit score 720+ |
| up to 60 months | 6.39% | Credit score 719-700 |
| up to 60 months | 7.04% | Credit score 699-680 |
| up to 60 months | 7.99% | Credit score 679-640 |
| up to 60 months | 12.44% | Credit score 639-600 |
| up to 60 months | 14.34% | Credit score < 600 |
| up to 72 months | 5.74% | Credit score 720+ |
| up to 72 months | 6.84% | Credit score 719-700 |
| up to 72 months | 7.29% | Credit score 699-680 |
| up to 72 months | 8.44% | Credit score 679-640 |
| up to 72 months | 12.89% | Credit score 639-600 |
| up to 72 months | 14.79% | Credit score < 600 |
| up to 84 months | 5.99% | Credit score 720+; Minimum loan balance required for 84 months: $30,000 |
| up to 84 months | 7.24% | Credit score 719-700; Minimum loan balance required for 84 months: $30,000 |
| up to 84 months | 7.69% | Credit score 699-680; Minimum loan balance required for 84 months: $30,000 |
| up to 84 months | 9.24% | Credit score 679-640; Minimum loan balance required for 84 months: $30,000 |
| up to 84 months | 13.39% | Credit score 639-600; Minimum loan balance required for 84 months: $30,000 |
| up to 84 months | 15.04% | Credit score < 600; Minimum loan balance required for 84 months: $30,000 |
Sources (1)
- marincu.org/rates/vehicle-loan-rates · captured Sep 25, 2026
Who can join Marin County Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.