Credit union · NCUA insured
Redwood Credit Union Auto Loan Rates
Top CarrotRedwood Credit Union auto loans start at 4.89% APR for a new vehicle and 5.39% for a used one. Rates checked October 16, 2026.
How Redwood Credit Union’s auto loan rates compare
Compared with banks and credit unions near Santa Rosa, CA, where Redwood Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Redwood Credit Union
4.89%APR
- Terms
- up to 60 months
- Up to
- —
New Auto Loan
Lowest rate
Community First Credit Union
4.59%APR
- Terms
- 24–60 months
- Up to
- 14.14% APR
3rd-lowest rate
First Tech Federal Credit Union
4.99%APR
- Terms
- up to 65 months
- Up to
- —
Redwood Credit Union auto loan score
82
Auto loan score
Higher than 60% of U.S. banks and credit unions
- New vehicleNew4.89%
- Used vehicleUsed5.39%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Redwood 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.
Classic Auto Loan
Classic cars must be 20 model years old or older and may be financed up to 90% Black Book’s Cars of Particular Interest® Collectible Vehicle Value, depending on credit history and collateral condition. Must be in operable condition, have a California title, and current registration. Proof of insurance required before funding. Kit cars and other specially constructed or modified vehicles excluded.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.39% | Credit Score: 720+; vehicle_condition: classic |
| up to 60 months | 5.39% | Credit Score: 720+; vehicle_condition: classic |
| up to 72 months | 5.69% | Credit Score: 720+; vehicle_condition: classic |
| up to 36 months | 6.34% | Credit Score: 700-719; vehicle_condition: classic |
| up to 60 months | 6.34% | Credit Score: 700-719; vehicle_condition: classic |
| up to 72 months | 6.74% | Credit Score: 700-719; vehicle_condition: classic |
| up to 36 months | 6.59% | Credit Score: 680-699; vehicle_condition: classic |
| up to 60 months | 6.59% | Credit Score: 680-699; vehicle_condition: classic |
| up to 72 months | 6.79% | Credit Score: 680-699; vehicle_condition: classic |
| up to 36 months | 7.79% | Credit Score: 640-679; vehicle_condition: classic |
| up to 60 months | 7.79% | Credit Score: 640-679; vehicle_condition: classic |
| up to 72 months | 7.99% | Credit Score: 640-679; vehicle_condition: classic |
| up to 36 months | 10.49% | Credit Score: 600-639; vehicle_condition: classic |
| up to 60 months | 10.49% | Credit Score: 600-639; vehicle_condition: classic |
| up to 72 months | 10.69% | Credit Score: 600-639; vehicle_condition: classic |
| up to 36 months | 13.99% | Credit Score: <600; vehicle_condition: classic |
| up to 60 months | 13.99% | Credit Score: <600; vehicle_condition: classic |
| up to 72 months | 14.44% | Credit Score: <600; vehicle_condition: classic |
Sources (2)
All captured Oct 7, 2026
New Auto Loan
New autos are defined as vehicles with less than 1,000 miles and may be financed up to 125% MSRP, depending on credit history. Eligibility: live, work, or own a business in Sonoma, Marin, Napa, Mendocino, Lake, San Francisco, Solano, or Contra Costa counties; family member of current member; or work for designated Select Employer Group.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.59% | Credit Score: 720+; vehicle_condition: new |
| up to 60 months | 4.89% | Credit Score: 720+; vehicle_condition: new |
| up to 72 months | 5.19% | Credit Score: 720+; vehicle_condition: new |
| up to 84 months | 5.69% | Credit Score: 720+; vehicle_condition: new |
| up to 36 months | 5.04% | Credit Score: 700-719; vehicle_condition: new |
| up to 60 months | 5.84% | Credit Score: 700-719; vehicle_condition: new |
| up to 72 months | 6.24% | Credit Score: 700-719; vehicle_condition: new |
| up to 84 months | 6.64% | Credit Score: 700-719; vehicle_condition: new |
| up to 36 months | 5.84% | Credit Score: 680-699; vehicle_condition: new |
| up to 60 months | 6.09% | Credit Score: 680-699; vehicle_condition: new |
| up to 72 months | 6.29% | Credit Score: 680-699; vehicle_condition: new |
| up to 84 months | 6.79% | Credit Score: 680-699; vehicle_condition: new |
| up to 36 months | 6.94% | Credit Score: 640-679; vehicle_condition: new |
| up to 60 months | 7.29% | Credit Score: 640-679; vehicle_condition: new |
| up to 72 months | 7.49% | Credit Score: 640-679; vehicle_condition: new |
| up to 84 months | 8.39% | Credit Score: 640-679; vehicle_condition: new |
| up to 36 months | 8.49% | Credit Score: 600-639; vehicle_condition: new |
| up to 60 months | 9.99% | Credit Score: 600-639; vehicle_condition: new |
| up to 72 months | 10.19% | Credit Score: 600-639; vehicle_condition: new |
| up to 84 months | 12.54% | Credit Score: 600-639; vehicle_condition: new |
| up to 36 months | 10.49% | Credit Score: <600; vehicle_condition: new |
| up to 60 months | 13.49% | Credit Score: <600; vehicle_condition: new |
| up to 72 months | 13.94% | Credit Score: <600; vehicle_condition: new |
| up to 84 months | 14.69% | Credit Score: <600; vehicle_condition: new |
Sources (2)
All captured Oct 7, 2026
Used Auto Loan
Used autos may be 20 years old or newer and may be financed up to 125% KBB value (or up to 10 years old financed up to 125% KBB, 11-15 years old up to 110% KBB depending on credit history and collateral condition). Eligibility: live, work, or own a business in Sonoma, Marin, Napa, Mendocino, Lake, San Francisco, Solano, or Contra Costa counties; family member of current member; or work for designated Select Employer Group.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.84% | Credit Score: 720+; vehicle_condition: used |
| up to 60 months | 5.39% | Credit Score: 720+; vehicle_condition: used |
| up to 72 months | 5.69% | Credit Score: 720+; vehicle_condition: used |
| up to 84 months | 6.19% | Credit Score: 720+; vehicle_condition: used |
| up to 36 months | 5.29% | Credit Score: 700-719; vehicle_condition: used |
| up to 60 months | 6.34% | Credit Score: 700-719; vehicle_condition: used |
| up to 72 months | 6.74% | Credit Score: 700-719; vehicle_condition: used |
| up to 84 months | 7.14% | Credit Score: 700-719; vehicle_condition: used |
| up to 36 months | 6.09% | Credit Score: 680-699; vehicle_condition: used |
| up to 60 months | 6.59% | Credit Score: 680-699; vehicle_condition: used |
| up to 72 months | 6.79% | Credit Score: 680-699; vehicle_condition: used |
| up to 84 months | 7.29% | Credit Score: 680-699; vehicle_condition: used |
| up to 36 months | 7.19% | Credit Score: 640-679; vehicle_condition: used |
| up to 60 months | 7.79% | Credit Score: 640-679; vehicle_condition: used |
| up to 72 months | 7.99% | Credit Score: 640-679; vehicle_condition: used |
| up to 84 months | 8.89% | Credit Score: 640-679; vehicle_condition: used |
| up to 36 months | 8.74% | Credit Score: 600-639; vehicle_condition: used |
| up to 60 months | 10.49% | Credit Score: 600-639; vehicle_condition: used |
| up to 72 months | 10.69% | Credit Score: 600-639; vehicle_condition: used |
| up to 84 months | 13.04% | Credit Score: 600-639; vehicle_condition: used |
| up to 36 months | 10.74% | Credit Score: <600; vehicle_condition: used |
| up to 60 months | 13.99% | Credit Score: <600; vehicle_condition: used |
| up to 72 months | 14.44% | Credit Score: <600; vehicle_condition: used |
| up to 84 months | 15.19% | Credit Score: <600; vehicle_condition: used |
Sources (2)
All captured Oct 7, 2026
Who can join Redwood Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Business membership is open to businesses with principal places of business within the 7 North Bay counties or San Francisco.
Membership information collected October 5, 2026.