Credit union · NCUA insured
SAFE Credit Union Auto Loan Rates
SAFE Credit Union auto loans start at 4.69% APR for a new vehicle and 4.69% for a used one. Rates checked October 16, 2026.
How SAFE Credit Union’s auto loan rates compare
Compared with banks and credit unions near Sacramento, CA, where SAFE Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
SAFE Credit Union
4.69%APR
- Terms
- up to 84 months
- Discount
- Included in the rate
New Auto Loan
Lowest rate
Yolo Federal Credit Union
3.84%APR
- Terms
- —
- Discount
- None included
2nd-lowest rate
Firefighters First Credit Union
4.49%APR
- Terms
- up to 60 months
- Discount
- None included
SAFE Credit Union auto loan score
88
Auto loan score
Higher than 82% of U.S. banks and credit unions
- New vehicleNew4.69%
- Used vehicleUsed4.69%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where SAFE 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 Refinance Loan
Refinance auto loan from another lender with SAFE to get 0.50% off your current lender's rate or get SAFE's rate instead. Lowest available APR is 4.69% for promotional relationship discount. Must be an existing member for at least 30 days at application. To qualify for this promotion, must meet one of: (1) refinance vehicle from another institution or (2) apply for a new SAFE vehicle loan within 60 days of paying off an existing SAFE vehicle loan. All loans subject to credit approval and membership eligibility.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.69% | Promotional rate discount: 0.50% off current lender's rate or SAFE's rate (lowest available APR is 4.69%). Must be an existing member for at least 30 days at application. To qualify, must meet one of: (1) refinance vehicle from another institution or (2) apply for a new SAFE vehicle loan within 60 days of paying off an existing SAFE vehicle loan. APR accurate as of 09/01/2026. |
Sources (2)
All captured Oct 16, 2026
Motorcycle Loan
Rates determined by amount financed, loan term and credit history. Rates reflect a 0.20% member discount (must be an existing member for at least 30 days at application; add 0.20% for regular rate). Minimum $3,000 loan amount for terms up to 66 months; minimum $10,000 loan amount for terms between 67-75 months.
| Terms | APR | Conditions |
|---|---|---|
| up to 66 months | 6.29%–8.29% | New motorcycle (model years 2025 & 2026). Minimum $3,000 loan amount. Rates reflect a 0.20% member discount (add 0.20% for regular rate). Payment on a new motorcycle of $20,000 loan at 6.29% APR for 66 months is $359.25. |
| up to 66 months | 6.39%–8.59% | Used motorcycle. Minimum $3,000 loan amount. Rates reflect a 0.20% member discount (add 0.20% for regular rate). |
| 67–75 months | 6.49%–7.59% | New motorcycle (model years 2025 & 2026). Minimum $10,000 loan amount for terms between 67-75 months. Rates reflect a 0.20% member discount (add 0.20% for regular rate). Payment on a new motorcycle of $20,000 loan at 6.49% APR for 75 months is $325.11. |
Sources (1)
- safecu.org/rates-disclosures/s…-and-personal-loan-rates · captured Oct 16, 2026
New Auto Loan
All loans subject to credit approval and membership eligibility. Rates determined by amount financed, loan term, loan-to-value (LTV), and credit history. Rates for Vehicle loans reflect a member discount of 0.20% (must be an existing member for at least 30 days at time of application; for Regular Rate, add 0.20% to APR shown). Minimum $20,000 loan amount for terms over 75 months. 5.19% APR available on terms up to 48 months. Up to 125% financing. Auto Loan Special offers a 0.25% rate discount (October 9–13, 2026). If you have paid off a SAFE vehicle loan in the past 60 days, enjoy 0.50% off current rate.
| Terms | APR | Conditions |
|---|---|---|
| up to 90 months | 5.19%–18.00% | Car/Truck/Van - One ton or less, New (current and previous model year 2025 & 2026). Rates reflect a 0.20% member discount (for Regular Rate add 0.20%). Minimum $20,000 loan amount for terms over 75 months. 5.19% APR available on terms up to 48 months. |
| up to 84 months | 4.69% | Promotional Relationship Discount Rate (lowest available APR 4.69%). Must be an existing member for at least 30 days and apply for a new SAFE vehicle loan within 60 days of paying off an existing SAFE vehicle loan. Terms up to 84 months. |
| up to 90 months | 7.29% | Payment example rate: $25,000 loan at 7.29% APR for 90 months ($361.42/mo) for new car financing. Minimum $20,000 loan amount for terms over 75 months. Up to 125% financing. |
Sources (3)
- safecu.org/personal/borrow-money
- safecu.org/personal/borrow-money/auto-loans
- safecu.org/rates-disclosures/s…-and-personal-loan-rates
All captured Oct 16, 2026
Used Auto Loan
All loans subject to credit approval and membership eligibility. Rates determined by amount financed, loan term, loan-to-value (LTV), and credit history. Rates for Vehicle loans reflect a member discount of 0.20% (must be an existing member for at least 30 days at time of application; for Regular Rate, add 0.20% to APR shown). Minimum $20,000 loan amount for terms over 75 months. 5.29% APR available on terms up to 48 months. If you have paid off a SAFE vehicle loan in the past 60 days, enjoy 0.50% off current rate.
| Terms | APR | Conditions |
|---|---|---|
| up to 90 months | 5.29%–18.00% | Car/Truck/Van - One ton or less, Used. Rates reflect a 0.20% member discount (for Regular Rate add 0.20%). Minimum $20,000 loan amount for terms over 75 months. 5.29% APR available on terms up to 48 months. |
| — | 4.69% | Promotional Relationship Discount Rate (lowest available APR is 4.69%). Must be an existing member for at least 30 days at application. To qualify, must meet one of: (1) refinance vehicle from another institution or (2) apply for a new SAFE vehicle loan within 60 days of paying off an existing SAFE vehicle loan. APR accurate as of 09/01/2026. |
Sources (3)
- safecu.org/personal/borrow-money
- safecu.org/personal/borrow-money/auto-loans
- safecu.org/rates-disclosures/s…-and-personal-loan-rates
All captured Oct 16, 2026
Who can join SAFE Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.