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Modesto's First Auto Loan Rates

Modesto's First auto loans start at 5.25% APR for a new vehicle and 5.75% for a used one. Rates checked October 16, 2026.

How Modesto's First’s auto loan rates compare

Compared with banks and credit unions near Modesto, CA, where Modesto's First has the most branches. New vehicle, lowest advertised APR first.

  • This credit union’s lowest

    Modesto's First

    5.25%APR

    Terms
    36–84 months
    Up to
    —
    Discount
    None included

    New Vehicle Auto Loan

  • 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

    ROLLING F CREDIT UNION rates

  • 3rd-lowest rate

    PNC

    5.34%APR

    Terms
    —
    Up to
    20.69% APR
    Discount
    Included in the rate

    PNC rates

Compare auto loan rates near you →

Modesto's First auto loan score

72

Auto loan score

Higher than 31% of U.S. banks and credit unions

By vehicle
  • New vehicleNew5.25%
  • Used vehicleUsed5.75%

Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.

How the score works →

Where Modesto's First 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.

Who can join Modesto's First

This may be incomplete or out of date, so check with the credit union before you apply.

Where you live or work

  • Individuals who live within the Modesto city limits are eligible for membership.
  • Individuals who attend school within the Modesto city limits are eligible for membership.
  • Individuals who work within the Modesto city limits are eligible for membership.
  • Individuals who worship within the Modesto city limits are eligible for membership.

Employers and groups

  • Employees of AT&T who work in Modesto are eligible for membership.
  • Employees and volunteers of the Children’s Crisis Center, Stanislaus County are eligible for membership.
10 more ways to join

Employers and groups

  • Employees of Four Star Recovery are eligible for membership.
  • Members of Conquer 24-Hour Gym are eligible for membership.
  • Employees and volunteers of Habitat for Humanity, Stanislaus County are eligible for membership.
  • Physicians, staff members of Stanislaus Medical Society in Modesto, and employees of Stanislaus Medical Society are eligible for membership.
  • Members of The Modesto USBC Organization are eligible for membership.

Military, government and schools

  • Employees of the City of Modesto are eligible for membership.
  • Employees of Modesto Irrigation District are eligible for membership.
  • Employees of Stanislaus Consolidated Fire Department are eligible for membership.
  • Employees of the Turlock Fire Department are eligible for membership.

Family and household

  • Immediate family members of any existing member are eligible for membership.

Cost to join

  • A deposit of $5 or more must be applied as an initial opening deposit to join.

Membership information collected October 5, 2026.

Check membership requirements ↗Branches and institution details
← Modesto's First overview