Credit union · NCUA insured
Mission Fed Credit Union Auto Loan Rates
Top CarrotMission Fed Credit Union auto loans start at 4.99% APR for a new vehicle and 6.99% for a used one. Rates checked October 16, 2026.
How Mission Fed Credit Union’s auto loan rates compare
Compared with banks and credit unions near San Diego, CA, where Mission Fed Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Mission Fed Credit Union
4.99%APR
- Terms
- 49–66 months
- Discount
- None included
Auto Loan (2022 and newer)
Lowest rate
Wheelhouse Credit Union
4.24%APR
- Terms
- up to 66 months
- Discount
- Included in the rate
2nd-lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
- Discount
- None included
Mission Fed Credit Union auto loan score
77
Auto loan score
Higher than 43% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed6.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Mission Fed 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 Loan (2017 - 2021)
Must meet membership and account criteria. All loans subject to credit approval. Financing up to 120% based on Retail Kelley Blue Book (RKBB) for used vehicles. Rates and terms available on purchase, lease buyout or refinance. On refinances of Mission Fed Auto Loans, a fee may apply. First payment may be deferred up to 90 days for qualified members (interest will accrue during deferral). Loan amounts and terms based on age, mileage and condition of vehicle. Model years 2017-2021. A valid driver license and current insurance information are required. No branded titles or commercial use vehicles will be financed.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 6.99% | Model years 2017 - 2021; term up to 36 months; estimated monthly payment $30.87 per $1,000 at 36 months. |
| 37–48 months | 6.99% | Model years 2017 - 2021; term 37 - 48 months; estimated monthly payment $23.95 per $1,000 at 48 months. |
| 49–66 months | 6.99% | Model years 2017 - 2021; term 49 - 66 months; estimated monthly payment $18.30 per $1,000 at 66 months. |
| 67–75 months | 7.24% | Model years 2017 - 2021; term 67 - 75 months; estimated monthly payment $16.62 per $1,000 at 75 months. |
Auto Loan (2022 and newer)
Must meet membership and account criteria. All loans subject to credit approval. Financing up to 120% based on MSRP for new vehicles. Rates and terms available on purchase, lease buyout or refinance. On refinances of Mission Fed Auto Loans, a fee may apply. First payment may be deferred up to 90 days for qualified members (interest will accrue during deferral). Loan amounts and terms based on age, mileage and condition of vehicle. Model year 2022 and newer. A valid driver license and current insurance information are required. No branded titles or commercial use vehicles will be financed.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.99% | Model year 2022 and newer; term up to 36 months; estimated monthly payment $29.97 per $1,000 at 36 months. |
| 37–48 months | 4.99% | Model year 2022 and newer; term 37 - 48 months; estimated monthly payment $23.03 per $1,000 at 48 months. |
| 49–66 months | 4.99% | Model year 2022 and newer; term 49 - 66 months; estimated monthly payment $17.37 per $1,000 at 66 months. |
| 67–75 months | 5.24% | Model year 2022 and newer; term 67 - 75 months; estimated monthly payment $15.67 per $1,000 at 75 months. |
| 76–78 months | 5.24% | Model year 2022 and newer; term 76 - 78 months; estimated monthly payment $15.16 per $1,000 at 78 months. |
| 79–84 months | 6.24% | Model year 2022 and newer; term 79 - 84 months; estimated monthly payment $14.73 per $1,000 at 84 months. |
Who can join Mission Fed Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, worships or attends school in San Diego County is eligible for membership.
Employers and groups
- Employees of Mission Fed Credit Union are eligible for membership.
- Volunteers or members of partner organizations are eligible for membership.
Family and household
- Immediate family members or household members of an existing member are eligible for membership.
Membership information collected October 5, 2026.