Credit union · NCUA insured
San Diego County Credit Union Auto Loan Rates
San Diego County Credit Union auto loans start at 4.89% APR for a new vehicle and 5.19% for a used one. Rates checked October 16, 2026.
How San Diego County Credit Union’s auto loan rates compare
Compared with banks and credit unions near San Diego, CA, where San Diego County Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
San Diego County Credit Union
4.89%APR
- Terms
- up to 66 months
- Discount
- None included
New Auto 2025-2027
Lowest rate
Wheelhouse Credit Union
4.24%APR
- Terms
- up to 66 months
- Discount
- Included in the rate
2nd-lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
- Discount
- None included
San Diego County Credit Union auto loan score
82
Auto loan score
Higher than 60% of U.S. banks and credit unions
- New vehicleNew4.89%
- Used vehicleUsed5.19%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where San Diego County 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 2025-2027
New Autos cannot be previously registered, unregistered regularly used vehicles, or operated as a demonstrator. Annual Percentage Rates (APRs) shown are for qualified borrowers and reflect loan amounts up to 120% of the retail value. Rate valid for 30 days from the submission date of the original application. Other rates are available and APR may vary based upon collateral loan-to-value, amount financed, term, credit history and other factors. Auto loan financing available in CA, AZ and NV only. Membership required.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.89% | As low as APR for terms up to 48 months. Fixed APR on New Autos. 48 monthly payments of $23.03 per $1,000 borrowed at 4.89%. Up to 100% financing and 90 days no payments for qualified borrowers (interest accrues from date of contract). |
| up to 66 months | 4.89% | As low as APR for terms up to 66 months. Fixed APR on New Autos. 66 monthly payments of $17.35 per $1,000 borrowed at 4.89%. Up to 100% financing and 90 days no payments for qualified borrowers (interest accrues from date of contract). |
| up to 78 months | 5.19% | As low as APR for terms up to 78 months. Fixed APR on New Autos. 78 monthly payments of $15.17 per $1,000 borrowed at 5.19%. Minimum $15,000 loan amount is required for terms greater than 66 months. Up to 100% financing and 90 days no payments for qualified borrowers (interest accrues from date of contract). |
| up to 84 months | 6.19% | As low as APR for terms up to 84 months. Fixed APR on New Autos. 84 monthly payments of $14.74 per $1,000 borrowed at 6.19%. Minimum $25,000 loan amount is required for terms greater than 78 months. Up to 100% financing and 90 days no payments for qualified borrowers (interest accrues from date of contract). |
Sources (1)
- sdccu.com/rates/vehicle-loan-rates · captured Oct 6, 2026
New Motorcycle 2025-2027
New Motorcycles cannot be previously registered, unregistered regularly used vehicles, or operated as a demonstrator. Annual Percentage Rates (APRs) shown are for street-legal motorcycles for qualified borrowers and reflect loan amounts up to 110% of the retail value. Rate valid for 30 days from the submission date of the original application. Other rates are available and your APR may vary based upon the collateral loan-to-value, amount financed, term, credit history and other factors. The minimum monthly loan payment is $100. Motorcycle loan purchase financing available in CA only. Membership required.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 6.39% | As low as APR for terms up to 48 months. Fixed APR on New Motorcycles. 48 monthly payments of $23.73 per $1,000 borrowed at 6.39%. Minimum monthly loan payment is $100. |
| up to 66 months | 6.89% | As low as APR for terms up to 66 months. Fixed APR on New Motorcycles. 66 monthly payments of $18.31 per $1,000 borrowed at 6.89%. Minimum monthly loan payment is $100. |
| up to 78 months | 8.39% | As low as APR for terms up to 78 months. Fixed APR on New Motorcycles. 78 monthly payments of $16.74 per $1,000 borrowed at 8.39%. Minimum $15,000 loan amount is required for terms greater than 66 months. Minimum monthly loan payment is $100. |
| up to 84 months | 9.89% | As low as APR for terms up to 84 months. Fixed APR on New Motorcycles. 84 monthly payments of $16.62 per $1,000 borrowed at 9.89%. Minimum $25,000 loan amount is required for terms greater than 78 months. Minimum monthly loan payment is $100. |
Sources (1)
- sdccu.com/rates/vehicle-loan-rates · captured Oct 6, 2026
Used Auto 2017-2020
Annual Percentage Rates (APRs) shown are for qualified borrowers and reflect loan amounts up to 120% of the retail value. Rate valid for 30 days from the submission date of the original application. Other rates are available and APR may vary based upon collateral loan-to-value, amount financed, term, credit history and other factors. Auto loan financing available in CA, AZ and NV only. Membership required.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.19% | As low as APR for terms up to 48 months. Up to 100% financing and 90 days no payments for qualified borrowers (interest accrues from date of contract). |
| up to 66 months | 5.19% | As low as APR for terms up to 66 months. Up to 100% financing and 90 days no payments for qualified borrowers (interest accrues from date of contract). |
Sources (1)
- sdccu.com/rates/vehicle-loan-rates · captured Oct 6, 2026
Used Auto 2021
Annual Percentage Rates (APRs) shown are for qualified borrowers and reflect loan amounts up to 120% of the retail value. Rate valid for 30 days from the submission date of the original application. Other rates are available and APR may vary based upon collateral loan-to-value, amount financed, term, credit history and other factors. Auto loan financing available in CA, AZ and NV only. Membership required.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.19% | As low as APR for terms up to 48 months. Up to 100% financing and 90 days no payments for qualified borrowers (interest accrues from date of contract). |
| up to 66 months | 5.19% | As low as APR for terms up to 66 months. Up to 100% financing and 90 days no payments for qualified borrowers (interest accrues from date of contract). |
| up to 78 months | 5.44% | As low as APR for terms up to 78 months. Minimum $15,000 loan amount is required for terms greater than 66 months. Up to 100% financing and 90 days no payments for qualified borrowers (interest accrues from date of contract). |
Sources (1)
- sdccu.com/rates/vehicle-loan-rates · captured Oct 6, 2026
Used Auto 2022-2027
Annual Percentage Rates (APRs) shown are for qualified borrowers and reflect loan amounts up to 120% of the retail value. Rate valid for 30 days from the submission date of the original application. Other rates are available and APR may vary based upon collateral loan-to-value, amount financed, term, credit history and other factors. Auto loan financing available in CA, AZ and NV only. Membership required.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.19% | As low as APR for terms up to 48 months. Up to 100% financing and 90 days no payments for qualified borrowers (interest accrues from date of contract). |
| up to 66 months | 5.19% | As low as APR for terms up to 66 months. Up to 100% financing and 90 days no payments for qualified borrowers (interest accrues from date of contract). |
| up to 78 months | 5.44% | As low as APR for terms up to 78 months. Minimum $15,000 loan amount is required for terms greater than 66 months. Up to 100% financing and 90 days no payments for qualified borrowers (interest accrues from date of contract). |
| up to 84 months | 6.49% | As low as APR for terms up to 84 months. Minimum $25,000 loan amount is required for terms greater than 78 months. Up to 100% financing and 90 days no payments for qualified borrowers (interest accrues from date of contract). |
Sources (1)
- sdccu.com/rates/vehicle-loan-rates · captured Oct 6, 2026
Used Motorcycle 2017-2027
Annual Percentage Rates (APRs) shown are for street-legal motorcycles for qualified borrowers and reflect loan amounts up to 110% of the retail value. Rate valid for 30 days from the submission date of the original application. Other rates are available and your APR may vary based upon the collateral loan-to-value, amount financed, term, credit history and other factors. The minimum monthly loan payment is $100. Motorcycle loan purchase financing available in CA only. Membership required.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 8.39% | As low as APR for terms up to 48 months. Minimum monthly loan payment is $100. |
| up to 66 months | 8.89% | As low as APR for terms up to 66 months. Minimum monthly loan payment is $100. |
Sources (1)
- sdccu.com/rates/vehicle-loan-rates · captured Oct 6, 2026
Who can join San Diego County 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 everyone living or working throughout Southern California: Imperial, Los Angeles, Orange, Riverside, San Bernardino, San Diego, San Luis Obispo, Santa Barbara, or Ventura counties.
Employers and groups
- Membership is open to anyone who joins the Financial Fitness Association for an $8 fee.
Family and household
- Membership is open to any immediate family or household member of a SDCCU member.
Cost to join
- A $1 savings account opening deposit/selection to establish membership.
- A low $8 fee to join the Financial Fitness Association.
Membership information collected October 5, 2026.