Credit union · NCUA insured
Mission City Federal Credit Union Auto Loan Rates
Mission City Federal Credit Union auto loans start at 5.49% APR for a new vehicle and 5.74% for a used one. Rates checked September 25, 2026.
How Mission City Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near San Jose, CA, where Mission City Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Mission City Federal Credit Union
5.49%APR
- Terms
- up to 60 months
- Up to
- 14.24% APR
- Discount
- None included
New Cars
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
Mission City Federal 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 Mission City 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.
Electric and Plug-In Hybrid Car Loans
0.25% discount offered to new car loans
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.99%–13.74% | — |
| up to 60 months | 5.49%–14.24% | — |
| up to 72 months | 5.74%–11.49% | Minimum amount financed $25k |
| up to 84 months | 5.99%–9.74% | Minimum amount financed $35k |
Sources (1)
- missioncityfcu.org/electric-hybrid-vehicle-loans · captured Sep 16, 2026
New Cars
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.99%–13.74% | — |
| up to 60 months | 5.49%–14.24% | — |
| up to 72 months | 5.74%–11.49% | Minimum amount financed $25k |
| up to 84 months | 5.99%–9.74% | Minimum amount financed $35k |
Sources (1)
- missioncityfcu.org/auto-loans · captured Sep 16, 2026
Used Cars
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.24%–13.99% | — |
| up to 60 months | 5.74%–14.49% | — |
| up to 72 months | 5.99%–11.74% | Minimum amount financed $25k |
| up to 84 months | 6.24%–9.99% | Minimum amount financed $35k |
Sources (1)
- missioncityfcu.org/auto-loans · captured Sep 16, 2026
Who can join Mission City 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
- Businesses and other legal entities located in the City of Santa Clara, California are eligible for membership.
- Persons who live, work, worship, or attend school in the County of Santa Clara are eligible for membership.
Family and household
- Immediate family members (spouse, child, sibling, parent, grandparent, grandchild, including step and adoptive relationships) of existing Mission City FCU members are eligible for membership.
- Persons living in the same household (maintaining a single economic unit) as an existing Mission City FCU member are eligible for membership.
Other ways
- Persons who volunteer in the County of Santa Clara are eligible for membership.
Cost to join
- An initial opening deposit of $10 or more is required to open an account.
Membership information collected October 5, 2026.