Credit union · NCUA insured
Pacific Service Credit Union Auto Loan Rates
Top CarrotPacific Service Credit Union auto loans start at 4.24% APR for a new vehicle and 4.89% for a used one. Rates checked October 16, 2026.
How Pacific Service Credit Union’s auto loan rates compare
Compared with banks and credit unions near San Francisco, CA, where Pacific Service Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Pacific Service Credit Union
4.24%APR
- Terms
- up to 84 months
- Up to
- 15.99% APR
- Discount
- None included
New Auto Loan
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
Pacific Service Credit Union auto loan score
89
Auto loan score
Higher than 89% of U.S. banks and credit unions
- New vehicleNew4.24%
- Used vehicleUsed4.89%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Pacific Service 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 Refinance
Must be 18 or older to apply. Collateral protection insurance is required. Cash out refinances allowed on vehicles with less than 100,000 miles and less than ten model years old.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.24% | Competitive, low rate options. Quoted rate assumes a 0.25% APR discount for borrowers who maintain an automatic payment from their Pacific Service Credit Union checking account. Rate increases by 2.00% APR for vehicles with 150,001 to 200,000 miles and/or are 11 model years old or older. |
Sources (1)
- pacificservice.org/auto · captured Oct 6, 2026
Motorcycle Loan
Must be 18 or older to apply. Membership requires opening a primary savings account with a minimum balance of $5.00. Collateral protection insurance is required. Same rate for new and used.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 7.54%–17.99% | Quoted rate assumes a 0.25% APR discount for borrowers who maintain an automatic payment from their Pacific Service Credit Union checking account. Rate increases by 2.00% APR for vehicles with 150,001 to 200,000 miles and/or are 11 model years old or older. |
| up to 72 months | 7.54% | Quoted rate assumes a 0.25% APR discount for borrowers who maintain an automatic payment from their Pacific Service Credit Union checking account. Rate increases by 2.00% APR for vehicles with 150,001 to 200,000 miles and/or are 11 model years old or older. |
| up to 72 months | 7.54% | Quoted rate assumes a 0.25% APR discount for borrowers who maintain an automatic payment from their Pacific Service Credit Union checking account. Rate increases by 2.00% APR for vehicles with 150,001 to 200,000 miles and/or are 11 model years old or older. |
Sources (4)
- pacificservice.org/motorcycle
- pacificservice.org/auto
- pacificservice.org/rates
- pacificservice.org/auto-loans
All captured Oct 6, 2026
New Auto Loan
Must be 18 or older to apply. Membership requires opening a primary savings account with a minimum balance of $5.00. Collateral protection insurance is required. Financing is available for manufacturer franchise dealers only. Applies to vehicles with less than 7,500 miles which have not been previously registered and are in the current or previous model year.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.24%–15.99% | Quoted rate assumes a 0.25% APR discount for borrowers who maintain an automatic payment from their Pacific Service Credit Union checking account. Rate increases by 2.00% APR for vehicles with 150,001 to 200,000 miles and/or are 11 model years old or older. Maximum terms vary based on collateral and loan amount. |
| up to 84 months | 4.24% | Quoted rate assumes a 0.25% APR discount for borrowers who maintain an automatic payment from their Pacific Service Credit Union checking account. Rate increases by 2.00% APR for vehicles with 150,001 to 200,000 miles and/or are 11 model years old or older. |
Sources (3)
All captured Oct 6, 2026
Used Auto Loan
Must be 18 or older to apply. Membership requires opening a primary savings account with a minimum balance of $5.00. Collateral protection insurance is required. Financing is available for manufacturer franchise dealers only. All vehicles not qualifying for new auto rate are subject to used car pricing.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.89%–15.99% | Quoted rate assumes a 0.25% APR discount for borrowers who maintain an automatic payment from their Pacific Service Credit Union checking account. Rate increases by 2.00% APR for vehicles with 150,001 to 200,000 miles and/or are 11 model years old or older. Maximum terms vary based on collateral and loan amount. |
| up to 84 months | 4.89% | Quoted rate assumes a 0.25% APR discount for borrowers who maintain an automatic payment from their Pacific Service Credit Union checking account. Rate increases by 2.00% APR for vehicles with 150,001 to 200,000 miles and/or are 11 model years old or older. |
Sources (3)
All captured Oct 6, 2026
Who can join Pacific Service Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, worships, or attends school in Alameda, Contra Costa, Fresno, Marin, Napa, Placer, Sacramento, San Francisco, San Mateo, Santa Clara, Solano, or Sonoma counties (California) is eligible for membership.
Employers and groups
- Employees of one of Pacific Service CU's business partners are eligible for membership.
- Employees who work regularly for companies served by Pacific Service CU (including contractors, temporary employees on assignment at a PG&E location, and independent contractors on assignment for PG&E) are eligible for membership.
- Employees of a business, corporation, organization, association, or other legal entity currently located in the eligible California counties are eligible for membership.
- Employees or employers of public or private energy-based entities located in California or Texas are eligible for membership.
- Members of the Financial Fitness Association are eligible for membership.
3 more ways to join
Employers and groups
- Employees or retirees of PG&E Corporation and its domestic subsidiaries (including PG&E, PG&E National Energy Group, and Pacific Venture Capital, LLC) are eligible for membership.
Family and household
- Immediate family members of a current Pacific Service CU member (including spouse, children, parents, siblings, grandparents, grandchildren, nephews, nieces, and cousins) are eligible for membership.
- Household members of a current Pacific Service CU member, including roommates, are eligible for membership.
Cost to join
- Membership requires opening a primary savings account with a minimum balance of $5.00.
Membership information collected October 5, 2026.