Credit union · NCUA insured
Mirastar Federal Credit Union Auto Loan Rates
Mirastar Federal Credit Union auto loans start at 7.49% APR for a new vehicle and 7.49% for a used one. Rates checked October 16, 2026.
How Mirastar Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near San Jose, CA, where Mirastar Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Mirastar Federal Credit Union
7.49%APR
- Terms
- up to 60 months
- Up to
- 8.49% APR
- Discount
- None included
First Time Buyer Program
Lowest rate
F3 Credit Union
3.74%APR
- Terms
- up to 72 months
- Up to
- —
- Discount
- Included in the rate
2nd-lowest rate
Stanford Federal Credit Union
4.49%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- Included in the rate
Mirastar Federal Credit Union auto loan score
61
Auto loan score
Higher than 4% of U.S. banks and credit unions
- New vehicleNew7.49%
- Used vehicleUsed7.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Mirastar 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.
College Auto Loan Program
Borrower must be over 18 years old; employed at least part-time; a student at an accredited college, university, or trade school, or a recent graduate (less than one-year post graduation). Must have no FICO score, or limited credit history. Down payment required.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 8.49% | 8.49% APR is valid for terms up to 60 months. Quoted loan rate is the lowest rate offered based on individual credit worthiness. Payment amount per every $1,000 borrowed at 8.49% for 60 months equals $20.51 per month. |
Sources (1)
- mirastarfcu.org/banking/borrow…y/vehicle-loans/new-used · captured Sep 16, 2026
First Time Buyer Program
Risk based: APR is based on creditworthiness and loan term. Applies to new and used vehicles.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 7.49%–8.49% | — |
Sources (1)
- mirastarfcu.org/banking/borrow…y/vehicle-loans/new-used · captured Oct 16, 2026
Motorcycle Loan
Risk based: APR is based on creditworthiness and loan term. Applies to new, used & refi.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 6.99%–13.99% | — |
| 37–60 months | 7.99%–14.99% | — |
Sources (1)
- mirastarfcu.org/banking/borrow…y/vehicle-loans/new-used · captured Oct 16, 2026
Vehicle Loans - New, Used & Refi
Risk based: APR is based on creditworthiness and loan term. Subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.99%–14.49% | Payment example: $29.97 per month per $1,000 borrowed at 4.99% APR for 36 months. |
| 37–60 months | 5.49%–15.49% | — |
| 61–72 months | 5.99%–16.49% | — |
| 73–84 months | 6.49%–13.49% | — |
Sources (1)
- mirastarfcu.org/banking/borrow…y/vehicle-loans/new-used · captured Oct 16, 2026
Who can join Mirastar Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.