Credit union · NCUA insured
Polam Federal Credit Union Auto Loan Rates
Polam Federal Credit Union auto loans start at 5.45% APR for a new vehicle and 5.70% for a used one. Rates checked October 16, 2026.
How Polam Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near San Francisco, CA, where Polam Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Polam Federal Credit Union
5.45%APR
- Terms
- up to 60 months
- Up to
- —
- 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
Polam Federal Credit Union auto loan score
71
Auto loan score
Higher than 30% of U.S. banks and credit unions
- New vehicleNew5.45%
- Used vehicleUsed5.70%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Polam Federal 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 Auto Loan
Lowest rate shown with a financed Loan-to-Value (LTV) ratio of 100%. Rates subject to change depending on loan term, LTV, vehicle age, vehicle mileage, credit history, account relationship, or promotional programs. Financing unavailable for branded titles (salvaged, rebuild, lemon law).
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.25% | Fixed rate; APR as low as. |
| up to 48 months | 5.35% | Fixed rate; APR as low as. |
| up to 60 months | 5.45% | Fixed rate; APR as low as. |
| up to 72 months | 5.55% | Fixed rate; APR as low as. |
| up to 84 months | 5.65% | Fixed rate; APR as low as. |
Sources (1)
- polamfcu.com/rates · captured Oct 6, 2026
Used Auto Loan
Lowest rate shown with a financed Loan-to-Value (LTV) ratio of 100%. Rates subject to change depending on loan term, LTV, vehicle age, vehicle mileage, credit history, account relationship, or promotional programs. Financing unavailable for branded titles (salvaged, rebuild, lemon law).
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.50% | Fixed rate; APR as low as. |
| up to 48 months | 5.60% | Fixed rate; APR as low as. |
| up to 60 months | 5.70% | Fixed rate; APR as low as. |
| up to 72 months | 5.80% | Fixed rate; APR as low as. |
| up to 84 months | 5.90% | Fixed rate; APR as low as; available only for cars up to 3 years old. |
Sources (1)
- polamfcu.com/rates · captured Oct 6, 2026
Who can join Polam Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.