Credit union · NCUA insured
REDLANDS CITY EMPLOYEES Auto Loan Rates
REDLANDS CITY EMPLOYEES auto loans start at 4.25% APR for a new vehicle and 4.25% for a used one. Rates checked October 16, 2026.
How REDLANDS CITY EMPLOYEES’s auto loan rates compare
Compared with banks and credit unions near Riverside, CA, where REDLANDS CITY EMPLOYEES has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
REDLANDS CITY EMPLOYEES
4.25%APR
- Terms
- up to 60 months
New Auto
Lowest rate
Thinkwise Credit Union
3.49%APR
- Terms
- up to 60 months
2nd-lowest rate
Collegedale Credit Union
3.89%APR
- Terms
- —
REDLANDS CITY EMPLOYEES auto loan score
92
Auto loan score
Higher than 93% of U.S. banks and credit unions
- New vehicleNew4.25%
- Used vehicleUsed4.25%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where REDLANDS CITY EMPLOYEES 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
If you have a loan at a lower rate, credit union will give 0.25% lower, not to be lower than lowest rate. Loan maximum is 100% of cash price plus purchase price including taxes, fees (excluding insurance), DMV, basic extended warranty only, Credit Union GAP insurance. Rates may change at any time. Open to City of Redlands employees, retirees, family members, and related eligible groups.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.25% | Credit score 730+; Maximum LTV 110% |
| up to 36 months | 5.25% | Credit score 680-729; Maximum LTV 110% |
| up to 36 months | 7.75% | Credit score 640-679; Maximum LTV 110% |
| up to 36 months | 8.75% | Credit score 600-639; Maximum LTV 110% |
| up to 36 months | 15.00% | Credit score 599 or less; Maximum LTV 110% |
| up to 48 months | 4.25% | Credit score 730+; Maximum LTV 110% |
| up to 48 months | 5.25% | Credit score 680-729; Maximum LTV 110% |
| up to 48 months | 7.75% | Credit score 640-679; Maximum LTV 110% |
| up to 48 months | 9.00% | Credit score 600-639; Maximum LTV 110% |
| up to 48 months | 15.00% | Credit score 599 or less; Maximum LTV 110% |
| up to 60 months | 4.25% | Credit score 730+; Maximum LTV 110% |
| up to 60 months | 5.25% | Credit score 680-729; Maximum LTV 110% |
| up to 60 months | 7.75% | Credit score 640-679; Maximum LTV 110% |
| up to 60 months | 9.25% | Credit score 600-639; Maximum LTV 110% |
| up to 60 months | 15.00% | Credit score 599 or less; Maximum LTV 110% |
| up to 72 months | 4.65% | Credit score 730+; Maximum LTV 110% |
| up to 72 months | 5.65% | Credit score 680-729; Maximum LTV 110% |
| up to 72 months | 8.50% | Credit score 640-679; Maximum LTV 110% |
| up to 72 months | 9.50% | Credit score 600-639; Maximum LTV 110% |
| up to 72 months | 15.00% | Credit score 599 or less; Maximum LTV 110% |
| up to 84 months | 5.75% | Credit score 730+; Maximum LTV 100% |
| up to 84 months | 6.75% | Credit score 680-729; Maximum LTV 100% |
| up to 84 months | 8.65% | Credit score 640-679; Maximum LTV 100% |
| up to 84 months | 11.00% | Credit score 600-639; Maximum LTV 100% |
| up to 84 months | 16.00% | Credit score 599 or less; Maximum LTV 100% |
Used Auto
If you have a loan at a lower rate, credit union will give 0.25% lower, not to be lower than lowest rate. Vehicles 6 years or older or over 60,000 miles add 2%. Rates may change at any time. Open to City of Redlands employees, retirees, family members, and related eligible groups.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.25% | Credit score 730+; Maximum LTV 110% of low KBB |
| up to 36 months | 5.25% | Credit score 680-729; Maximum LTV 110% of low KBB |
| up to 36 months | 7.75% | Credit score 640-679; Maximum LTV 110% of low KBB |
| up to 36 months | 8.75% | Credit score 600-639; Maximum LTV 110% of low KBB |
| up to 36 months | 15.00% | Credit score 599 or less; Maximum LTV 110% of low KBB |
| up to 48 months | 4.25% | Credit score 730+; Maximum LTV 110% of low KBB |
| up to 48 months | 5.25% | Credit score 680-729; Maximum LTV 110% of low KBB |
| up to 48 months | 7.75% | Credit score 640-679; Maximum LTV 110% of low KBB |
| up to 48 months | 9.00% | Credit score 600-639; Maximum LTV 110% of low KBB |
| up to 48 months | 15.00% | Credit score 599 or less; Maximum LTV 110% of low KBB |
| up to 60 months | 4.25% | Credit score 730+; Maximum LTV 110% of low KBB |
| up to 60 months | 5.25% | Credit score 680-729; Maximum LTV 110% of low KBB |
| up to 60 months | 7.75% | Credit score 640-679; Maximum LTV 110% of low KBB |
| up to 60 months | 9.25% | Credit score 600-639; Maximum LTV 110% of low KBB |
| up to 60 months | 15.00% | Credit score 599 or less; Maximum LTV 110% of low KBB |
| up to 72 months | 4.65% | Credit score 730+; Maximum LTV 110% of low KBB |
| up to 72 months | 5.65% | Credit score 680-729; Maximum LTV 110% of low KBB |
| up to 72 months | 8.50% | Credit score 640-679; Maximum LTV 110% of low KBB |
| up to 72 months | 9.50% | Credit score 600-639; Maximum LTV 110% of low KBB |
| up to 72 months | 15.00% | Credit score 599 or less; Maximum LTV 110% of low KBB |
| up to 84 months | 5.75% | Credit score 730+; Maximum LTV 100% of low KBB |
| up to 84 months | 6.75% | Credit score 680-729; Maximum LTV 100% of low KBB |
| up to 84 months | 8.65% | Credit score 640-679; Maximum LTV 100% of low KBB |
| up to 84 months | 11.00% | Credit score 600-639; Maximum LTV 100% of low KBB |
| up to 84 months | 16.00% | Credit score 599 or less; Maximum LTV 100% of low KBB |
Who can join REDLANDS CITY EMPLOYEES
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of this credit union are eligible for membership.
Military, government and schools
- Employees of the City of Redlands are eligible for membership.
- Persons retired from qualifying employment (City of Redlands or this credit union) are eligible for membership.
Family and household
- Members of the immediate families of qualifying employees or retirees are eligible for membership.
- Unremarried spouses of persons who died while within the field of membership of the credit union are eligible for membership.
Other ways
- Organizations of eligible persons are eligible for membership.
Cost to join
- There is a $25.00 minimum balance requirement for membership.
- There is a $5.00 membership fee upon application.
Membership information collected October 5, 2026.