Credit union · NCUA insured
Nikkei Credit Union Auto Loan Rates
Nikkei Credit Union auto loans start at 4.75% APR for a new vehicle and 5.75% for a used one. Rates checked October 16, 2026.
How Nikkei Credit Union’s auto loan rates compare
Compared with banks and credit unions near Los Angeles, CA, where Nikkei Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Nikkei Credit Union
4.75%APR
- Terms
- up to 96 months
- Discount
- None included
New Vehicle Loan
Lowest rate
Downey Federal Credit Union
3.49%APR
- Terms
- —
- Discount
- None included
2nd-lowest rate
United Catholics Federal CU
3.75%APR
- Terms
- up to 84 months
- Discount
- Included in the rate
Nikkei Credit Union auto loan score
82
Auto loan score
Higher than 59% of U.S. banks and credit unions
- New vehicleNew4.75%
- 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.
Where Nikkei 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 Vehicle Loan
Qualified vehicles financed up to 110% LTV. Loan granting, maximum amount, term, and interest rate are subject to credit approval, FICO score, equity verification, and income qualification. Not available for brokered loans.
| Terms | APR | Conditions |
|---|---|---|
| up to 96 months | 4.75% | APR as low as 4.75% for terms up to 96 months with maximum loan amount of $150,000.00. |
Used Vehicle Loan
Qualified vehicles financed up to 110% LTV. Loan granting, maximum amount, term, and interest rate are subject to credit approval, FICO score, equity verification, and income qualification. Not available for brokered loans.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 5.75% | APR as low as 5.75% for terms up to 84 months with maximum loan amount of $150,000.00. |
Who can join Nikkei Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons of Japanese ancestry and their immediate family living in Los Angeles and Orange Counties.
Employers and groups
- Qualify by making a donation to PIDF or JACCC.
- Gardening, landscaping, horticulture, and nursery professionals/employees in Orange County, their family members, and organizations.
- Employees and members of the Japanese American Cultural and Community Center, Los Angeles, California.
- Philippine Independence Day Foundation, Inc. (PIDF).
Military, government and schools
- Members of Troy Philippines of University of Southern California.
3 more ways to join
Family and household
- Family members or household members of an existing Credit Union member.
Other ways
- Businesses owned by, or associations of, individuals qualifying for credit union membership.
- Other credit unions organized under Federal or State Laws.
Membership information collected October 5, 2026.