Credit union · NCUA insured
PremierOne Credit Union Auto Loan Rates
PremierOne Credit Union auto loans start at 5.35% APR for a new vehicle and 5.50% for a used one. Rates checked October 6, 2026.
How PremierOne Credit Union’s auto loan rates compare
Compared with banks and credit unions near San Jose, CA, where PremierOne Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
PremierOne Credit Union
5.35%APR
- Terms
- 49–60 months
- Discount
- None included
New Vehicles
Lowest rate
F3 Credit Union
3.74%APR
- Terms
- up to 72 months
- Discount
- Included in the rate
2nd-lowest rate
Stanford Federal Credit Union
4.49%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
PremierOne Credit Union auto loan score
73
Auto loan score
Higher than 33% of U.S. banks and credit unions
- New vehicleNew5.35%
- Used vehicleUsed5.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where PremierOne 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.
First Time Buyer/Limited Credit - New Auto
Current or Prior Year with <2,000 miles and not previously registered. For members with little to no credit history. Includes auto buying assistance and personalized service. Rates based on term, value ratio, and credit score. Subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| 1–36 months | 5.40% | Minimum loan amount $1,000. |
| 37–48 months | 5.50% | Minimum loan amount $5,000. |
| 49–60 months | 5.60% | Minimum loan amount $7,500. |
| 61–66 months | 6.30% | Minimum loan amount $7,500. |
| 67–72 months | 6.50% | Minimum loan amount $15,000. |
First Time Buyer/Limited Credit - Used Auto
Current Year with >2,000 miles or previously registered. For members with little to no credit history. Includes auto buying assistance and personalized service. Rates based on term, value ratio, and credit score. Subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| 1–36 months | 5.50% | Minimum loan amount $1,000. |
| 37–48 months | 5.75% | Minimum loan amount $5,000. |
| 49–60 months | 5.75% | Minimum loan amount $7,500. |
| 61–66 months | 6.00% | Minimum loan amount $7,500. |
| 67–72 months | 6.75% | Minimum loan amount $15,000. |
New Vehicles
Current or Prior Year with <2,000 miles and not previously registered. Rate based on term, value ratio, and credit score. Subject to credit approval. Up to 130% financing for new vehicles, no application fee or pre-payment penalty.
| Terms | APR | Conditions |
|---|---|---|
| 1–36 months | 5.15% | Starting at $1,000 loan amount. |
| 37–48 months | 5.25% | Minimum loan amount $5,000. |
| 49–60 months | 5.35% | Minimum loan amount $7,500. |
| 61–66 months | 5.50% | Minimum loan amount $7,500. |
| 67–72 months | 5.75% | Minimum loan amount $15,000. |
| 73–84 months | 6.00% | Minimum loan amount $20,000. |
| 85–96 months | 6.95% | Minimum loan amount $50,000. 96-month term only available for new purchases over $50,000 with 720+ FICO. |
| up to 108 months | 7.20% | Minimum loan amount $70,000. |
| up to 120 months | 7.45% | Minimum loan amount $70,000. |
New and Used Motorcycles
10 Model Years or Newer. Up to 125% financing for new and used motorcycles. Terms up to 6 years (72 months) and loans up to $75,000. Rate based on term, value ratio, and credit score. Subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| 1–24 months | 6.74% | Minimum loan amount $1,000. 10 Model Years or Newer. |
| 25–36 months | 6.99% | Minimum loan amount $5,000. 10 Model Years or Newer. |
| 37–48 months | 7.24% | Minimum loan amount $5,000. 10 Model Years or Newer. |
| 49–60 months | 7.49% | Minimum loan amount $7,500. 10 Model Years or Newer. |
| 67–72 months | 7.74% | Minimum loan amount $20,000. 10 Model Years or Newer. |
Used Vehicles
Current Year with >2,000 miles or previously registered. Rate based on term, value ratio, and credit score. Subject to credit approval. Financing up to 130% for used vehicles, no application fee or pre-payment penalty.
| Terms | APR | Conditions |
|---|---|---|
| 1–36 months | 5.25% | Starting at $1,000 loan amount. |
| 37–48 months | 5.50% | Minimum loan amount $5,000. |
| 49–60 months | 5.50% | Minimum loan amount $7,500. |
| 61–66 months | 5.75% | Minimum loan amount $7,500. |
| 67–72 months | 6.00% | Minimum loan amount $15,000. |
| 73–84 months | 6.25% | Minimum loan amount $20,000. |
| 85–96 months | 7.20% | Minimum loan amount $50,000. |
| up to 108 months | 7.45% | Minimum loan amount $70,000. |
| up to 120 months | 7.70% | Minimum loan amount $70,000. |
Who can join PremierOne Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Any person who lives, works, attends school, or worships in Santa Clara, Santa Cruz, Monterey, San Benito, Alameda, San Mateo, Merced, San Joaquin, or Stanislaus County is eligible for membership.
Family and household
- Immediate family members of current members may qualify to join.
Membership information collected October 5, 2026.