Credit union · Privately insured
PostCity Financial Credit Union Auto Loan Rates
PostCity Financial Credit Union auto loans start at 4.49% APR for a new vehicle and 5.49% for a used one. Rates checked October 16, 2026.
How PostCity Financial Credit Union’s auto loan rates compare
Compared with banks and credit unions near Los Angeles, CA, where PostCity Financial Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
PostCity Financial Credit Union
4.49%APR
- Terms
- up to 84 months
- Up to
- 14.79% APR
- Discount
- None included
New Auto
Lowest rate
Downey Federal Credit Union
3.49%APR
- Terms
- —
- Up to
- —
- Discount
- None included
2nd-lowest rate
United Catholics Federal CU
3.75%APR
- Terms
- up to 84 months
- Up to
- —
- Discount
- Included in the rate
PostCity Financial Credit Union auto loan score
86
Auto loan score
Higher than 75% of U.S. banks and credit unions
- New vehicleNew4.49%
- Used vehicleUsed5.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where PostCity Financial 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 Equity
Excludes Beat Your Rate promotional discount.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 8.99%–15.99% | Maximum term 84 months. Maximum loan amount $75,000. |
Sources (1)
- postcitycu.org/about-us/rates-fees · captured Oct 16, 2026
Motorcycles & Personal Watercraft
Maximum term 60 months. Maximum loan amount $75,000. Rates reflect highest PostCity Perks discount available. Finance up to 80% of wholesale Kelly/NADA or similar industry standard guide Blue Book. Payment example: $21.75 per month per $1,000.00 at 10.99% APR for 60 months based on lowest rate available.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 10.99%–17.99% | Maximum term 60 months. Maximum loan amount $75,000. |
New Auto
Advertised rates apply to new auto loans. Loan approval and rate offer is subject to credit approval and underwriting criteria.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.49%–14.79% | Maximum term 84 months. Maximum loan amount $75,000. |
| up to 84 months | 3.99% | Beat Your Rate promotional offer: Eligible members can receive an auto loan rate up to 2 percentage points lower than an eligible dealership financing offer or current rate from another lender. Lowest rate available after all rate discounts is 3.99% APR. Not available on existing PostCity loans and cannot be combined with any other rate discount offer. Applications must be submitted by October 31, 2026. |
Sources (3)
All captured Oct 16, 2026
Used Auto
Advertised rates apply to used and refinanced auto loans. Loan approval and rate offer is subject to credit approval and underwriting criteria.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 5.49%–15.99% | Maximum term 84 months. Maximum loan amount $75,000. |
| up to 84 months | 3.99% | Beat Your Rate promotional offer: Eligible members can receive an auto loan rate up to 2 percentage points lower than an eligible auto loan currently financed with another lender or dealership offer. Lowest rate available after all rate discounts is 3.99% APR. Refinance of current PostCity Financial Credit Union loans not eligible. Cannot be combined with any other rate discount offer. Applications must be submitted by October 31, 2026. |
Sources (3)
All captured Oct 16, 2026
Who can join PostCity Financial Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Any current or retired U.S. Postal Service employees living or working in California are eligible for membership.
Family and household
- Immediate family members of a current member, such as a spouse, child, sibling, parent, grandparent, grandchild, stepparent, or any legally adopted relationship, are eligible for membership.
- Household members who live in the same residence and otherwise form a single economic unit with a current member, such as a legal guardian, domestic partner, significant other, or roommate, are eligible for membership.
Membership information collected October 5, 2026.