Credit union · NCUA insured
Safe 1 Credit Union Auto Loan Rates
Safe 1 Credit Union auto loans start at 4.99% APR for a new vehicle and 5.24% for a used one. Rates checked October 16, 2026.
How Safe 1 Credit Union’s auto loan rates compare
Compared with banks and credit unions near Bakersfield, CA, where Safe 1 Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Safe 1 Credit Union
4.99%APR
- Terms
- up to 66 months
- Up to
- 14.99% APR
New Auto (2022 or newer)
Lowest rate
Desert Valleys Federal Credit Union
3.50%APR
- Terms
- up to 84 months
- Up to
- —
2nd-lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
- Up to
- —
Safe 1 Credit Union auto loan score
81
Auto loan score
Higher than 54% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed5.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Safe 1 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.
New Auto (2022 or newer)
New vehicle financing on 2022 models or newer. Up to 100% of MSRP, plus tax and license. Refinances of existing Safe 1 loans not eligible.
| Terms | APR | Conditions |
|---|---|---|
| up to 66 months | 4.99%–14.99% | Estimated payment $17.36 - $22.34 per $1,000 borrowed. Refinances of existing Safe 1 loans not eligible. |
| up to 75 months | 5.24%–10.24% | Estimated payment $15.66 - $18.11 per $1,000 borrowed. Refinances of existing Safe 1 loans not eligible. |
| up to 84 months | 5.74%–6.49% | Estimated payment $14.48 - $14.84 per $1,000 borrowed. Refinances of existing Safe 1 loans not eligible. |
Sources (1)
- safe1.org/loans-credit-cards/auto · captured Oct 6, 2026
Used Auto (2021 or older)
Up to 100% of Kelley Blue Book Retail Value. Refinances of existing Safe 1 loans not eligible.
| Terms | APR | Conditions |
|---|---|---|
| up to 66 months | 5.24%–15.24% | Estimated payment $17.47 - $22.47 per $1,000 borrowed. Refinances of existing Safe 1 loans not eligible. |
| up to 75 months | 5.49%–10.74% | Estimated payment $15.78 - $18.36 per $1,000 borrowed. Refinances of existing Safe 1 loans not eligible. |
| up to 84 months | 6.24%–6.74% | Estimated payment $14.72 - $14.97 per $1,000 borrowed. Refinances of existing Safe 1 loans not eligible. |
Sources (1)
- safe1.org/loans-credit-cards/auto · captured Oct 6, 2026
Who can join Safe 1 Credit Union
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