Credit union · NCUA insured
Rize Credit Union Auto Loan Rates
Top CarrotRize Credit Union auto loans start at 5.49% APR for a new vehicle and 5.49% for a used one. Rates checked October 16, 2026.
How Rize Credit Union’s auto loan rates compare
Compared with banks and credit unions near Los Angeles, CA, where Rize Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Rize Credit Union
5.49%APR
- Terms
- up to 60 months
- Up to
- 14.49% APR
- Discount
- None included
Auto Loans
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
Rize Credit Union auto loan score
73
Auto loan score
Higher than 34% of U.S. banks and credit unions
- New vehicleNew5.49%
- 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 Rize 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 Loans
Fixed loans from $1,500 to $250,000. 0.25% loan rate discount with 10% down payment. Vehicles with mileage in excess of 150,000 may be subject to a rate adjustment of 1%. Maximum rate on auto loans is 18%.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.99%–13.99% | Estimated payment per $1,000 is $23.03 - $27.32. |
| up to 60 months | 5.49%–14.49% | Estimated payment per $1,000 is $19.10 - $23.53. |
| up to 72 months | 5.99%–14.99% | Estimated payment per $1,000 is $16.75 - $21.14. |
| up to 84 months | 6.49%–9.99% | Estimated payment per $1,000 is $14.85 - $16.60. Footnote 1 notes Teen Auto Loans only available up to 6 years. |
Sources (2)
All captured Oct 6, 2026
Classic Auto Loans
Certified appraisal required. 0.25% loan rate discount with 10% down payment. Vehicles with mileage in excess of 150,000 may be subject to a rate adjustment of 1%. Maximum rate on auto loans is 18%.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.99%–9.49% | Certified appraisal required. Estimated payment per $1,000 is $23.48 - $25.12. |
| up to 60 months | 6.49%–9.99% | Certified appraisal required. Estimated payment per $1,000 is $19.56 - $21.24. |
| up to 72 months | 6.99%–10.49% | Certified appraisal required. Estimated payment per $1,000 is $17.05 - $18.78. |
| up to 84 months | 7.49%–9.49% | Certified appraisal required. Estimated payment per $1,000 is $15.34 - $16.34. |
Sources (1)
- rizecu.com/loan-rates/auto-loan-rates · captured Oct 6, 2026
First-Time Buyer Auto Loans
For first-time buyers. 0.25% loan rate discount with 10% down payment. Vehicles with mileage in excess of 150,000 may be subject to a rate adjustment of 1%. Maximum rate on auto loans is 18%.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.99%–14.99% | Estimated payment per $1,000 is $23.48 - $27.83. |
| up to 60 months | 6.49%–15.49% | Estimated payment per $1,000 is $19.56 - $24.05. |
| up to 72 months | 6.99%–15.99% | Estimated payment per $1,000 is $17.05 - $21.69. |
Sources (1)
- rizecu.com/loan-rates/auto-loan-rates · captured Oct 6, 2026
First-Time Buyer Motorcycle Loans
For first-time motorcycle buyers. 0.25% loan rate discount with 10% down payment. Vehicles with mileage in excess of 150,000 may be subject to a rate adjustment of 1%. Maximum rate on auto loans is 18%.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 7.49%–16.49% | Estimated payment per $1,000 is $24.18 - $28.59. |
| up to 60 months | 7.99%–16.99% | Estimated payment per $1,000 is $20.27 - $24.85. |
| up to 72 months | 8.49%–17.49% | Estimated payment per $1,000 is $17.78 - $22.52. |
Sources (1)
- rizecu.com/loan-rates/auto-loan-rates · captured Oct 6, 2026
Motorcycle Loans
Fixed loans from $1,500 to $250,000. Repayment terms from 12 to 84 months. 0.25% loan rate discount with 10% down payment. Vehicles with mileage in excess of 150,000 may be subject to a rate adjustment of 1%. Maximum rate on auto loans is 18%.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 6.49%–15.49% | Estimated payment per $1,000 is $23.71 - $28.08. |
| up to 60 months | 6.99%–15.99% | Estimated payment per $1,000 is $19.80 - $24.32. |
| up to 72 months | 7.49%–16.49% | Estimated payment per $1,000 is $17.29 - $21.97. |
| up to 84 months | 7.99%–11.49% | Estimated payment per $1,000 is $15.58 - $17.38. |
Sources (2)
All captured Oct 6, 2026
Teen Auto Loans
Designed for teens ages 16-17. Parent required on account and must meet credit qualifications. Available only up to 6 years (12 to 72 months). Fixed loans from $1,500 to $25,000. 0.25% loan rate discount with 10% down payment.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.99%–13.99% | Teen Auto Loans follow Auto Loans rates up to 6 years. Teen must be at least 16 years old to apply; parent required on account. |
| up to 60 months | 5.49%–14.49% | Teen Auto Loans follow Auto Loans rates up to 6 years. Teen must be at least 16 years old to apply; parent required on account. |
| up to 72 months | 5.99%–14.99% | Teen Auto Loans follow Auto Loans rates up to 6 years. Teen must be at least 16 years old to apply; parent required on account. |
Sources (2)
All captured Oct 6, 2026
Vehicle Value Loans
Certified appraisal required. Inspection may be required. 0.25% loan rate discount with 10% down payment. Vehicles with mileage in excess of 150,000 may be subject to a rate adjustment of 1%. Maximum rate on auto loans is 18%.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.99%–13.99% | Certified appraisal required; inspection may be required. Estimated payment per $1,000 is $23.03 - $27.32. |
| up to 60 months | 5.49%–14.49% | Certified appraisal required; inspection may be required. Estimated payment per $1,000 is $19.10 - $23.53. |
| up to 72 months | 5.99%–9.49% | Certified appraisal required; inspection may be required. Estimated payment per $1,000 is $16.57 - $18.27. |
Sources (1)
- rizecu.com/loan-rates/auto-loan-rates · captured Oct 6, 2026
Who can join Rize Credit Union
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