Credit union · NCUA insured
MyPoint Credit Union Auto Loan Rates
MyPoint Credit Union auto loans start at 5.59% APR for a new vehicle and 6.84% for a used one. Rates checked October 16, 2026.
How MyPoint Credit Union’s auto loan rates compare
Compared with banks and credit unions near San Diego, CA, where MyPoint Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
MyPoint Credit Union
5.59%APR
- Terms
- up to 60 months
- Discount
- None included
Newer Green Auto Loan
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
MyPoint Credit Union auto loan score
66
Auto loan score
Higher than 17% of U.S. banks and credit unions
- New vehicleNew5.59%
- Used vehicleUsed6.84%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where MyPoint 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
Refinance vehicle loan from another financial institution. Applicants must reside in the State of California only; vehicle must be titled with California DMV. Maximum loan amount $100,000, maximum mileage 125,000 miles, up to 120% financing.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 5.34% | As low as 5.34% APR for terms up to 84 months. 5.34% APR rate based on 2022 or newer vehicle with 0.25% green loan discount for 48 months. Maximum loan amount $100,000. |
Sources (1)
- mypointcu.com/borrow/auto/auto-refinance · captured Oct 6, 2026
Auto Refinance Program (Less Than Perfect Credit)
Refinance existing auto loan from another financial institution for borrowers with less than perfect credit. Existing MyPoint Credit Union loans and commercial vehicles are excluded. Requires proof of employment and proof of 6 consecutive on-time monthly payments on existing auto loan. Good on 2021 or newer autos. Maximum loan amount $100,000, maximum mileage 125,000 miles, 100% financing. Applicants must reside in CA and vehicle must be titled with CA DMV.
| Terms | APR | Conditions |
|---|---|---|
| up to 66 months | 6.99% | Fixed 6.99% APR for terms up to 66 months on 2021 or newer autos. Maximum loan amount $100,000. 100% financing. |
Motorcycle Loans
Motorcycles model year 2027 or newer. Financing up to 100% of purchase price. No application fee. The Annual Percentage Rates presented are those extended to our most credit worthy borrowers.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 6.99% | Motorcycles 2027 or newer; engine size 750cc and above for 48-month term. Terms up to 48 months. |
| up to 60 months | 7.24% | Motorcycles 2027 or newer. Terms up to 60 months. |
| up to 66 months | 7.24% | Motorcycles 2027 or newer. Terms up to 66 months. |
| up to 75 months | 7.49% | Motorcycles 2027 or newer. Terms up to 75 months. |
| up to 84 months | 8.49% | Motorcycles 2027 or newer. Terms up to 84 months. |
Sources (2)
All captured Oct 6, 2026
Newer Auto Loan
For 2022 or newer vehicles. Eligibility requires living or working in San Diego or Riverside Counties and meeting credit union membership guidelines. Final rate determined by overall creditworthiness. No application fee.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.59% | Rate as low as 5.59% APR for terms up to 48 months for 2022 or newer model years. |
| up to 60 months | 5.84% | Rate as low as 5.84% APR for terms up to 60 months for 2022 or newer model years. |
| up to 66 months | 5.84% | Rate as low as 5.84% APR for terms up to 66 months for 2022 or newer model years. |
| up to 75 months | 6.14% | Rate as low as 6.14% APR for terms up to 75 months for 2022 or newer model years. |
| up to 84 months | 7.14% | Rate as low as 7.14% APR for terms up to 84 months for 2022 or newer model years. |
Sources (2)
All captured Oct 6, 2026
Newer Green Auto Loan
For 2022 or newer electric or plug-in hybrid vehicles meeting California Air Resources Board criteria. Includes 0.25% green loan discount off standard rates. Up to 120% financing. No application fee.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.34% | Rate as low as 5.34% APR for terms up to 48 months for 2022 or newer electric or plug-in hybrid vehicles. Includes 0.25% green loan discount. |
| up to 60 months | 5.59% | Rate as low as 5.59% APR for terms up to 60 months for 2022 or newer electric or plug-in hybrid vehicles. Includes 0.25% green loan discount. |
| up to 66 months | 5.59% | Rate as low as 5.59% APR for terms up to 66 months for 2022 or newer electric or plug-in hybrid vehicles. Includes 0.25% green loan discount. |
| up to 75 months | 5.89% | Rate as low as 5.89% APR for terms up to 75 months for 2022 or newer electric or plug-in hybrid vehicles. Includes 0.25% green loan discount. |
| up to 84 months | 6.89% | Rate as low as 6.89% APR for terms up to 84 months for 2022 or newer electric or plug-in hybrid vehicles. Includes 0.25% green loan discount. |
Sources (3)
- mypointcu.com/borrow/auto/electric-vehicle
- mypointcu.com/borrow/auto/green-auto-loans
- mypointcu.com/borrow/rates/auto-rates
All captured Oct 6, 2026
Other Secured Loans
For ATVs, Jet Skis, and similar items; Model Year 2023 or newer.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 10.45% | Other Secured; Model Year: 2023 or newer. Term up to 36 months. |
Sources (1)
- mypointcu.com/borrow/rates/auto-rates · captured Oct 6, 2026
Used Auto Loan
For 2021 or older model year vehicles. Eligibility requires living or working in San Diego or Riverside Counties and meeting membership guidelines.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 7.09% | Rate as low as 7.09% APR for terms up to 48 months for 2021 or older model years. |
| up to 60 months | 7.09% | Rate as low as 7.09% APR for terms up to 60 months for 2021 or older model years. |
Sources (1)
- mypointcu.com/borrow/rates/auto-rates · captured Oct 6, 2026
Used Green Auto Loan
For 2021 or older electric or plug-in hybrid vehicles meeting California Air Resources Board criteria.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 6.84% | Rate as low as 6.84% APR for terms up to 48 months for 2021 or older electric or plug-in hybrid vehicles. |
| up to 60 months | 6.84% | Rate as low as 6.84% APR for terms up to 60 months for 2021 or older electric or plug-in hybrid vehicles. |
Sources (2)
All captured Oct 6, 2026
Who can join MyPoint Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is available to anyone who lives, works, or worships in San Diego and Riverside Counties.
Family and household
- Immediate family members of existing members are eligible to join.
Membership information collected October 5, 2026.