Credit union · NCUA insured
ROLLING F CREDIT UNION Auto Loan Rates
ROLLING F CREDIT UNION auto loans start at 5.30% APR for a new vehicle and 5.40% for a used one. Rates checked October 16, 2026.
How ROLLING F CREDIT UNION’s auto loan rates compare
Compared with banks and credit unions near Modesto, CA, where ROLLING F CREDIT UNION has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
ROLLING F CREDIT UNION
5.30%APR
- Terms
- up to 60 months
- Up to
- 13.60% APR
- Discount
- Included in the rate
Auto Loans
Lowest rate
Modesto's First
5.25%APR
- Terms
- 36–84 months
- Up to
- —
- Discount
- None included
3rd-lowest rate
PNC
5.34%APR
- Terms
- —
- Up to
- 20.69% APR
- Discount
- Included in the rate
ROLLING F CREDIT UNION auto loan score
71
Auto loan score
Higher than 29% of U.S. banks and credit unions
- New vehicleNew5.30%
- Used vehicleUsed5.40%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where ROLLING F 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
Must be a member of Rolling F Credit Union (membership open to those who live, work, or worship in Stanislaus or Merced county, CA). Maximum loan amount is $100,000 for new or used vehicles and up to $25,000 for older used vehicles (2015 or older). Actual APR offered may be higher depending upon applicant's credit rating and other underwriting factors. Add 0.25% to credit histories with bankruptcy, collections, charge-offs, or for autos/trucks with mileage over 100K. Rates do not include the 1% Off Discount Promo. Rate and terms over 72 months only available to high credit scores. Rates based on Fed Prime Rate and FICO score tier.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.30%–13.60% | New Auto loans up to $100,000. Terms up to 60 months. Stated rates do not include 1% Off Discount Promo. Actual APR offered depends on credit rating and other underwriting factors. |
| 61–72 months | 5.43%–13.73% | New Auto loans up to $100,000. Terms 61 - 72 months. Stated rates do not include 1% Off Discount Promo. Actual APR offered depends on credit rating and other underwriting factors. |
| 73–84 months | 5.53%–13.85% | New Auto loans up to $100,000. Terms 73 - 84 months. Rate and term only available to high credit scores. Stated rates do not include 1% Off Discount Promo. Actual APR offered depends on credit rating and other underwriting factors. |
| up to 60 months | 5.40%–14.14% | Used Auto loans up to $100,000. Terms up to 60 months. Stated rates do not include 1% Off Discount Promo. Actual APR offered depends on credit rating and other underwriting factors. |
| 61–72 months | 5.54%–14.27% | Used Auto loans up to $100,000. Terms 61 - 72 months. Stated rates do not include 1% Off Discount Promo. Actual APR offered depends on credit rating and other underwriting factors. |
| 73–84 months | 5.65%–14.40% | Used Auto loans up to $100,000. Terms 73 - 84 months. Rate and term only available to high credit scores. Stated rates do not include 1% Off Discount Promo. Actual APR offered depends on credit rating and other underwriting factors. |
| up to 60 months | 7.40%–16.14% | Older Used Auto loans (2015 or older) up to $25,000. Terms up to 60 months. Stated rates do not include 1% Off Discount Promo. Actual APR offered depends on credit rating and other underwriting factors. |
| 61–72 months | 7.54%–16.27% | Older Used Auto loans (2015 or older) up to $25,000. Terms 61 - 72 months. Stated rates do not include 1% Off Discount Promo. Actual APR offered depends on credit rating and other underwriting factors. |
| 73–84 months | 7.65%–16.37% | Older Used Auto loans (2015 or older) up to $25,000. Terms 73 - 84 months. Stated rates do not include 1% Off Discount Promo. Actual APR offered depends on credit rating and other underwriting factors. |
Who can join ROLLING F CREDIT UNION
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, or worship in Stanislaus or Merced Counties in California are eligible for membership.
Employers and groups
- Employees of Foster Farms, Garton Tractor, Turlock Scavenger, Turlock Professional Medical Park, or Flory Industries are eligible for membership.
- Employees who work with any other partner employer of the credit union are eligible for membership.
Membership information collected October 5, 2026.