Credit union · NCUA insured
Sacramento Credit Union Auto Loan Rates
Sacramento Credit Union auto loan rates start at 4.99% APR. Rates checked October 16, 2026.
How Sacramento Credit Union’s auto loan rates compare
Compared with banks and credit unions near Sacramento, CA, where Sacramento Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Sacramento Credit Union
– –
- Terms
- —
No ongoing APR published
Lowest rate
Yolo Federal Credit Union
3.84%APR
- Terms
- —
2nd-lowest rate
Firefighters First Credit Union
4.49%APR
- Terms
- up to 60 months
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.
Motorcycles
Motorcycle loan amount term guidelines: 48 months: $5,000 and up; 60 months: $10,000 and up; 72 months: $15,000 and up. Maximum Amount Financed Loan to Value (LTV) is based on the following: Boat, RV and Motorcycle Financing - New financing up to 100% LTV. LTV is the lesser of the purchase price (before used tax) or Manufacturers Suggested Retail Price. Used financing up to 100% LTV. LTV is the lesser of the purchase price (before used tax) or JD Power Average Value. Maximum loan amount: New up to $35K, Used up to $25K. Consumer loan rates are disclosed as ranges. Your final rate and loan-to-value are based on your credit worthiness.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 7.19% | APR As Low As. Term up to 72 months: $15,000 and up. Maximum loan amount up to $35K. |
| up to 60 months | 7.24% | APR As Low As. Term up to 60 months: $10,000 and up. Maximum loan amount up to $25K. |
Sources (1)
- sactocu.org/mobile-landing-rates · captured Oct 16, 2026
New Auto Purchase or Refinance
A new auto is the current and previous year models (2025 and newer) with less than 7,500 miles. The Maximum Amount Financed - New autos- Up to 135% of Manufacturers Suggested Retail Price including tax, license and dealer add-ons. Over advance for GAP protection only. Credit worthiness determines APR and maximum loan-to-value allowed.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.99% | Lowest rate displayed / as low as. |
| up to 60 months | 5.19% | Lowest rate displayed / as low as. |
| up to 72 months | 5.34% | Lowest rate displayed / as low as. |
| up to 84 months | 5.69% | Lowest rate displayed / as low as. |
Sources (1)
- sactocu.org/mobile-landing-rates · captured Oct 16, 2026
Used Auto 2016 and Older
2016 and older vehicles - Up to 100% using the lesser of the purchase price (before used tax) or Retail Kelley Blue Book value with no cash out. Credit worthiness determines APR and maximum loan-to-value allowed.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 9.39% | Lowest rate displayed / as low as. |
Sources (1)
- sactocu.org/mobile-landing-rates · captured Oct 16, 2026
Used Auto Purchase or Refinance
Used autos 2017 and newer - Up to 135% of Kelley Blue Book retail value including tax, license and dealer add-ons. Over advance for GAP protection only. Auto Refinance with cash out - Loan amounts up to 100% of Kelley Blue Book retail value. Credit worthiness determines APR and maximum loan-to-value allowed.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.39% | Lowest rate displayed / as low as. |
| up to 60 months | 5.49% | Lowest rate displayed / as low as. |
| up to 72 months | 5.59% | Lowest rate displayed / as low as. |
| up to 84 months | 6.09% | Lowest rate displayed / as low as. |
Sources (1)
- sactocu.org/mobile-landing-rates · captured Oct 16, 2026
Who can join Sacramento Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives in El Dorado, Placer, Sacramento, Solano, Sutter, Yolo, or Yuba County, California.
- Membership is open to anyone who regularly works in El Dorado, Placer, Sacramento, Solano, Sutter, Yolo, or Yuba County, California.
Other ways
- Membership is open to any business, corporation, or legal entity operating in El Dorado, Placer, Sacramento, Solano, Sutter, Yolo, or Yuba County, California.
Cost to join
- Joining requires an initial deposit of at least $25 in cash or check ($50 if opening both a Savings and Checking Account).
Membership information collected October 5, 2026.