Credit union · NCUA insured
Mocse Credit Union Auto Loan Rates
Mocse Credit Union auto loans start at 5.85% APR for a new vehicle and 5.90% for a used one. Rates checked October 6, 2026.
How Mocse Credit Union’s auto loan rates compare
Compared with banks and credit unions near Modesto, CA, where Mocse Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Mocse Credit Union
5.85%APR
- Terms
- up to 60 months
- Up to
- 17.65% APR
- Discount
- None included
New Auto Loan
Lowest rate
Modesto's First
5.25%APR
- Terms
- 36–84 months
- Up to
- —
- Discount
- None included
2nd-lowest rate
ROLLING F CREDIT UNION
5.30%APR
- Terms
- up to 60 months
- Up to
- 13.60% APR
- Discount
- Included in the rate
Mocse Credit Union auto loan score
68
Auto loan score
Higher than 21% of U.S. banks and credit unions
- New vehicleNew5.85%
- Used vehicleUsed5.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Mocse 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.
New Auto Loan
For model years 2025-2026. Finance up to 130% of MSRP based on credit tier. Maximum loan to value is based on credit history, current underwriting and pricing guidelines. Includes DMV license fees, Mechanical Breakdown Insurance (MBI), Guaranteed Auto Protection (GAP), and Extended Warranty.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.85%–17.65% | Model year 2025-2026 |
| 61–72 months | 5.90%–17.80% | Model year 2025-2026 |
| 73–84 months | 5.95%–15.95% | Model year 2025-2026 |
Sources (1)
- mocse.org/loans/auto-loans · captured Oct 6, 2026
Older Used Auto
For model years 2016-2018. Contact the credit union for information regarding model years 2016 – 2018.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.98%–17.73% | Model year 2016-2018 |
Sources (1)
- mocse.org/loans/auto-loans · captured Oct 6, 2026
Used Auto Loan
Finance up to 130% of retail Kelley Blue Book (KBB) based on credit tier. Maximum loan to value is based on credit history, current underwriting and pricing guidelines. Includes DMV license fees, Mechanical Breakdown Insurance (MBI), Guaranteed Auto Protection (GAP), and Extended Warranty.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.90%–17.70% | Model year 2022-2026 |
| 61–72 months | 5.95%–17.85% | Model year 2022-2026 |
| 73–84 months | 6.00%–16.00% | Model year 2022-2026 |
| up to 60 months | 5.95%–17.70% | Model year 2019-2021 |
| 61–72 months | 6.00%–17.85% | Model year 2019-2021 |
| 73–84 months | 6.05%–16.75% | Model year 2019-2021 |
Sources (1)
- mocse.org/loans/auto-loans · captured Oct 6, 2026
Who can join Mocse Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.