Credit union · NCUA insured
Matadors Community Credit Union Auto Loan Rates
Matadors Community Credit Union auto loans start at 5.49% APR for a new vehicle and 5.74% for a used one. Rates checked October 16, 2026.
How Matadors Community Credit Union’s auto loan rates compare
Compared with banks and credit unions near Los Angeles, CA, where Matadors Community Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Matadors Community Credit Union
5.49%APR
- Terms
- up to 66 months
- Discount
- None included
$200 Cash Back 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
Matadors Community Credit Union auto loan score
70
Auto loan score
Higher than 27% of U.S. banks and credit unions
- New vehicleNew5.49%
- Used vehicleUsed5.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Matadors Community 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.
$200 Cash Back Auto Loans
$15,000 minimum loan amount required ($25,000 minimum loan amount for 96-month terms). Available for autos registered in CA only. Eligible loans include new or used autos purchased from a franchise dealership, private party used auto purchases, refinancing of auto loans not currently with MCCU, and lease buyouts. Ineligible loans include existing MCCU loans, 3rd party loans (CUDL, RateGenius, iLending), and non-franchise dealerships. Vehicles up to 7 years old with mileage up to 100,000. $200 rebate deposited to member's primary savings account after loan funds. Financing for new autos up to 120% of invoice; used autos up to 100% of Retail Blue Book value. No payment due for 90 days (interest accrues from date of funding). Effective 3/5/2025.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.74% | New auto (current model year or prior model year with less than 10,000 miles). Financing up to 120% of invoice. $15,000 minimum loan amount. Payment per $1,000: $43.76. FICO Score determines maximum amount, term, and interest rate. |
| up to 36 months | 4.99% | New auto (current model year or prior model year with less than 10,000 miles). Financing up to 120% of invoice. $15,000 minimum loan amount. Payment per $1,000: $29.97. FICO Score determines maximum amount, term, and interest rate. |
| up to 48 months | 5.24% | New auto (current model year or prior model year with less than 10,000 miles). Financing up to 120% of invoice. $15,000 minimum loan amount. Payment per $1,000: $23.14. FICO Score determines maximum amount, term, and interest rate. |
| up to 60 months | 5.49% | New auto (current model year or prior model year with less than 10,000 miles). Financing up to 120% of invoice. $15,000 minimum loan amount. Payment per $1,000: $19.10. FICO Score determines maximum amount, term, and interest rate. |
| up to 66 months | 5.49% | New auto (current model year or prior model year with less than 10,000 miles). Financing up to 120% of invoice. $15,000 minimum loan amount. Payment per $1,000: $17.59. FICO Score determines maximum amount, term, and interest rate. |
| up to 72 months | 5.74% | New auto (current model year or prior model year with less than 10,000 miles). Financing up to 120% of invoice. $15,000 minimum loan amount. Payment per $1,000: $16.45. FICO Score determines maximum amount, term, and interest rate. |
| up to 84 months | 6.24% | New auto (current model year or prior model year with less than 10,000 miles). Financing up to 120% of invoice. $15,000 minimum loan amount. Payment per $1,000: $14.72. FICO Score determines maximum amount, term, and interest rate. |
| up to 96 months | 6.74% | New auto (current model year or prior model year with less than 10,000 miles). Financing up to 120% of invoice. $25,000 minimum loan amount for 96-month terms. Payment per $1,000: $13.50. FICO Score determines maximum amount, term, and interest rate. |
| up to 24 months | 4.99% | Used auto (vehicles up to 7 years old with mileage up to 100,000). Financing up to 100% Retail Blue Book value. $15,000 minimum loan amount. Payment per $1,000: $43.87. FICO Score determines maximum amount, term, and interest rate. |
| up to 36 months | 5.24% | Used auto (vehicles up to 7 years old with mileage up to 100,000). Financing up to 100% Retail Blue Book value. $15,000 minimum loan amount. Payment per $1,000: $30.08. FICO Score determines maximum amount, term, and interest rate. |
| up to 48 months | 5.49% | Used auto (vehicles up to 7 years old with mileage up to 100,000). Financing up to 100% Retail Blue Book value. $15,000 minimum loan amount. Payment per $1,000: $23.25. FICO Score determines maximum amount, term, and interest rate. |
| up to 60 months | 5.74% | Used auto (vehicles up to 7 years old with mileage up to 100,000). Financing up to 100% Retail Blue Book value. $15,000 minimum loan amount. Payment per $1,000: $19.21. FICO Score determines maximum amount, term, and interest rate. |
| up to 66 months | 5.74% | Used auto (vehicles up to 7 years old with mileage up to 100,000). Financing up to 100% Retail Blue Book value. $15,000 minimum loan amount. Payment per $1,000: $17.70. FICO Score determines maximum amount, term, and interest rate. |
| up to 72 months | 5.99% | Used auto (vehicles up to 7 years old with mileage up to 100,000). Financing up to 100% Retail Blue Book value. $15,000 minimum loan amount. Payment per $1,000: $16.57. FICO Score determines maximum amount, term, and interest rate. |
| up to 84 months | 6.49% | Used auto (vehicles up to 7 years old with mileage up to 100,000). Financing up to 100% Retail Blue Book value. $15,000 minimum loan amount. Payment per $1,000: $14.84. FICO Score determines maximum amount, term, and interest rate. |
| up to 96 months | 6.99% | Used auto (vehicles up to 7 years old with mileage up to 100,000). Financing up to 100% Retail Blue Book value. $25,000 minimum loan amount for 96-month terms. Payment per $1,000: $13.63. FICO Score determines maximum amount, term, and interest rate. |
Who can join Matadors Community 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 to join by living, working, or worshiping in specified Southern California communities.
Employers and groups
- Eligible to join as a member of the California Federation of Teachers.
Military, government and schools
- Eligible to join through association with California State University Northridge (CSUN).
Family and household
- Eligible to join as a family member of a California Federation of Teachers member.
- Eligible to join as an immediate family member of an existing member.
Other ways
- Eligible to join by making a donation ($5 minimum) to the CSUN Arts Council.
Cost to join
- Minimum $5 tax-deductible donation to join the CSUN Arts Council.
Membership information collected October 5, 2026.