Credit union · NCUA insured
Monterra Credit Union Auto Loan Rates
Monterra Credit Union auto loans start at 5.24% APR for a new vehicle and 5.34% for a used one. Rates checked October 16, 2026.
How Monterra Credit Union’s auto loan rates compare
Compared with banks and credit unions near San Francisco, CA, where Monterra Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Monterra Credit Union
5.24%APR
- Terms
- 37–60 months
- Up to
- —
- Discount
- None included
New Auto Loans
Lowest rate
Utility District Credit Union
3.50%APR
- Terms
- up to 60 months
- Up to
- 13.00% APR
- Discount
- None included
2nd-lowest rate
F3 Credit Union
3.74%APR
- Terms
- up to 72 months
- Up to
- —
- Discount
- Included in the rate
Monterra Credit Union auto loan score
77
Auto loan score
Higher than 43% of U.S. banks and credit unions
- New vehicleNew5.24%
- Used vehicleUsed5.34%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Monterra 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 Refinance
Applies to the refinance of an auto loan from another financial institution or lender (existing Monterra CU auto loans or loans held within 60 days prior are ineligible). Valid through 12/31/2026. Cash back is 1% of final total loan amount up to a maximum of $250, paid to Regular (Share) Savings. Not eligible for 90-day payment deferral if cash-out refinance. Membership eligibility requirements apply.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.74% | Refinance rates as low as 4.74% APR. 1% cash back up to $250 on refinance from another lender valid through 12/31/2026. |
Sources (3)
- monterra.org/personal/loans/auto-loan-refinance
- monterra.org/personal/loans/vehicle-loans
- monterra.org/rates
All captured Oct 16, 2026
New Auto Loans
Applies to vehicles that are 2017 or newer, maximum 125,000 miles, and do not exceed 125% of J.D. Power Clean Retail Value. Rates shown are 'as low as' floor rates subject to qualification. 0.25% discount available for EV or hybrid vehicles on terms of 37 months or more (cannot go below floor rate, valid through 9/30/2026). No payments for 90 days available for well-qualified buyers on funded loans (interest accrues). Membership eligibility requirements apply.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.74% | — |
| 37–60 months | 5.24% | — |
| 61–72 months | 5.59% | — |
| 73–84 months | 5.99% | — |
| 85–96 months | 6.64% | — |
Sources (2)
All captured Oct 16, 2026
Used Auto Loans
Applies to vehicles that are 2017 or newer, maximum 125,000 miles, and do not exceed 125% of J.D. Power Clean Retail Value. Financing available on used vehicles including fleet returned vehicles; excludes salvaged, lemon-law buybacks, branded titles, and structural/frame damage. Rates shown are 'as low as' floor rates subject to qualification. No payments for 90 days available for well-qualified buyers on funded loans (interest accrues). Membership eligibility requirements apply.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.00% | — |
| 37–60 months | 5.34% | — |
| 61–72 months | 5.74% | — |
| 73–84 months | 6.34% | — |
Sources (2)
All captured Oct 16, 2026
Who can join Monterra Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.