Credit union · NCUA insured
Rancho Federal Credit Union Auto Loan Rates
Rancho Federal Credit Union auto loans start at 3.84% APR for a new vehicle and 3.84% for a used one. Rates checked October 16, 2026.
How Rancho Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Los Angeles, CA, where Rancho Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Rancho Federal Credit Union
3.84%APR
- Terms
- —
- Discount
- None included
Vehicle Loans
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
Rancho Federal Credit Union auto loan score
97
Auto loan score
Higher than 99% of U.S. banks and credit unions
- New vehicleNew3.84%
- Used vehicleUsed3.84%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Rancho 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.
Vehicle Loans
Loan term and amount may vary based on vehicle year, make, model, mileage and value.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.74% | Rate as low as 4.74% APR. Loan terms up to 84 months and amounts up to $150,000. Loan term and amount vary based on vehicle year, make, model, mileage and value. |
| — | 3.84% | 90th Anniversary Auto Loan Special. Rates as low as 3.84% APR, $90 Anniversary Gift, 90 Days to First Payment. Limited time through December 30, 2026. |
Who can join Rancho Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees and members of eligible partner companies, unions, and organizations served by Rancho Federal Credit Union are eligible for membership.
- Retirees of eligible partner employer and union groups are eligible for membership.
Military, government and schools
- Los Angeles County employees working at Rancho Los Amigos National Rehabilitation Center, Los Amigos Research and Education Institute, or Internal Service Department Dept #300 are eligible for membership.
Family and household
- Immediate family members and household members of current Rancho Federal Credit Union members in good standing are eligible to join.
Cost to join
- An initial deposit of at least $25.00 into regular savings is required to establish membership.
- A one-time membership fee of $5.00 is required to join.
Membership information collected October 5, 2026.