Credit union · NCUA insured
San Diego Firefighters Federal Credit Union Auto Loan Rates
Top CarrotSan Diego Firefighters Federal Credit Union auto loans start at 4.49% APR for a new vehicle and 4.49% for a used one. Rates checked October 16, 2026.
How San Diego Firefighters Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near San Diego, CA, where San Diego Firefighters Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
San Diego Firefighters Federal Credit Union
4.49%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Auto Loan
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 Firefighters Federal Credit Union auto loan score
87
Auto loan score
Higher than 80% of U.S. banks and credit unions
- New vehicleNew4.49%
- Used vehicleUsed4.49%
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 Firefighters Federal 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 Loan
Membership in SDFFCU is limited to employed or retired firefighters and fire department personnel permanently assigned to any Fire Department located within the county of San Diego, immediate family, and employees/members of firefighter-related organizations. Rates include discount for automatic loan payment from SDFFCU account. Minimum monthly payment is $100. For model year 2015 or older, add 2.00% to the posted rate. First payment may be deferred up to 90 days for qualified members (interest accrues during deferment).
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.19% | Model years 2021 and newer; financing up to 120% LTV. |
| up to 36 months | 4.19% | Model years 2021 and newer; financing up to 120% LTV. |
| up to 48 months | 4.39% | Model years 2021 and newer; financing up to 120% LTV. |
| up to 60 months | 4.49% | Model years 2021 and newer; financing up to 120% LTV. |
| up to 72 months | 4.89% | Model years 2021 and newer; financing up to 120% LTV. Minimum loan amount of $12,000 is required for a 72-month term. |
| up to 84 months | 4.99% | Model years 2021 and newer; financing up to 120% LTV. $18,000 minimum loan amount for 73-78-month term; $30,000 minimum loan amount for 79-84-month term. |
Sources (1)
- sdffcu.org/loan-rates · captured Oct 16, 2026
Motorcycle Loan
Membership in SDFFCU is limited to employed or retired firefighters and fire department personnel permanently assigned to any Fire Department located within the county of San Diego, immediate family, and employees/members of firefighter-related organizations. Rates include discount for automatic loan payment from SDFFCU account. Minimum monthly payment is $100. For model year 2015 or older, add 2.00% to the posted rate. Up to 80% financing based on Retail NADA for used, MSRP for new.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.94% | Model year 2021 or newer; up to 100% LTV. |
| up to 48 months | 5.54% | Model year 2021 or newer; up to 100% LTV. |
| up to 60 months | 5.74% | Model year 2021 or newer; up to 100% LTV. |
| up to 72 months | 6.24% | Model year 2021 or newer; up to 100% LTV. $15,000 minimum loan amount for 61-72-month term. |
| up to 84 months | 6.64% | Model year 2021 or newer; up to 100% LTV. $30,000 minimum loan amount for 73-84-month term. |
Sources (1)
- sdffcu.org/loan-rates · captured Oct 16, 2026
Who can join San Diego Firefighters Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees or members of Firefighter Related Organizations are eligible for membership.
Military, government and schools
- Employed and compensated or retired firefighters, fire department personnel, and lifeguards permanently assigned to any Fire Department located within San Diego County are eligible for membership.
Family and household
- Immediate family members of eligible members, including spouse (or domestic partners living in the same household), children, grandchildren, siblings, parents, and grandparents, are eligible for membership.
Cost to join
- Membership requires opening a Regular Savings account with a $25 minimum deposit.
Membership information collected October 5, 2026.