Credit union · NCUA insured
San Francisco Federal Credit Union Auto Loan Rates
San Francisco Federal Credit Union auto loans start at 5.55% APR for a new vehicle and 6.05% for a used one. Rates checked October 16, 2026.
How San Francisco Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near San Francisco, CA, where San Francisco Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
San Francisco Federal Credit Union
5.55%APR
- Terms
- 49–60 months
- Up to
- —
- Discount
- None included
New Auto
Lowest rate
Utility District Credit Union
3.50%APR
- Terms
- up to 60 months
- Up to
- 13.00% APR
- Discount
- None included
2nd-lowest rate
F3 Credit Union
3.74%APR
- Terms
- up to 72 months
- Up to
- —
- Discount
- Included in the rate
San Francisco Federal Credit Union auto loan score
67
Auto loan score
Higher than 19% of U.S. banks and credit unions
- New vehicleNew5.55%
- Used vehicleUsed6.05%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where San Francisco 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 Refinance
Program (EZ Loan refinance program) offers refinancing for auto loans from other lenders. Features up to 100% financing, terms up to 84 months, no payments for 90 days, and no prepayment penalties. Subject to credit approval and membership eligibility.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.74% | As low as 4.74% APR. Enjoy a 1% discount on your qualifying rate when refinancing an auto loan from another lender with promo code GOLDENRATE (offer ends 12/31/2026). Up to 100% financing and no payments for 90 days available. |
Sources (3)
- sanfranciscofcu.com
- sanfranciscofcu.com/vehicle-loans
- sanfranciscofcu.com/vehicle-loans/auto-loan-refinance
All captured Oct 16, 2026
Classic Cars
Applicable to 2013 and older vehicles with less than 100,000 miles. Actual rate is determined at credit decision based on credit history, loan terms, mileage, age of collateral, and amount borrowed. Subject to credit approval. Requires credit union membership.
| Terms | APR | Conditions |
|---|---|---|
| 1–12 months | 7.85% | As low as APR. Rate determined by creditworthiness, loan terms, mileage, age of collateral, and amount borrowed. |
| 13–36 months | 8.95% | As low as APR. Rate determined by creditworthiness, loan terms, mileage, age of collateral, and amount borrowed. |
| 37–48 months | 9.00% | As low as APR. Rate determined by creditworthiness, loan terms, mileage, age of collateral, and amount borrowed. |
| 49–60 months | 9.05% | As low as APR. Rate determined by creditworthiness, loan terms, mileage, age of collateral, and amount borrowed. |
| 61–72 months | 9.15% | As low as APR. Rate determined by creditworthiness, loan terms, mileage, age of collateral, and amount borrowed. |
| 73–84 months | 9.25% | As low as APR. Rate determined by creditworthiness, loan terms, mileage, age of collateral, and amount borrowed. |
Sources (1)
- sanfranciscofcu.com/rates · captured Oct 16, 2026
New Auto
Applicable to 2026 or newer vehicles with less than 5,000 miles. Actual rate is determined at credit decision based on credit history, loan terms, mileage, age of collateral, and amount borrowed. Subject to credit approval. Requires credit union membership.
| Terms | APR | Conditions |
|---|---|---|
| 1–12 months | 4.74% | As low as APR. Rate determined by creditworthiness, loan terms, mileage, age of collateral, and amount borrowed. |
| 13–36 months | 5.45% | As low as APR. Rate determined by creditworthiness, loan terms, mileage, age of collateral, and amount borrowed. |
| 37–48 months | 5.50% | As low as APR. Rate determined by creditworthiness, loan terms, mileage, age of collateral, and amount borrowed. |
| 49–60 months | 5.55% | As low as APR. Rate determined by creditworthiness, loan terms, mileage, age of collateral, and amount borrowed. |
| 61–72 months | 5.63% | As low as APR. Rate determined by creditworthiness, loan terms, mileage, age of collateral, and amount borrowed. |
| 73–84 months | 5.70% | As low as APR. Rate determined by creditworthiness, loan terms, mileage, age of collateral, and amount borrowed. |
Used Auto
Applicable to 2014 or newer vehicles with less than 100,000 miles. Actual rate is determined at credit decision based on credit history, loan terms, mileage, age of collateral, and amount borrowed. Subject to credit approval. Requires credit union membership.
| Terms | APR | Conditions |
|---|---|---|
| 1–12 months | 5.85% | As low as APR. Rate determined by creditworthiness, loan terms, mileage, age of collateral, and amount borrowed. |
| 13–36 months | 5.95% | As low as APR. Rate determined by creditworthiness, loan terms, mileage, age of collateral, and amount borrowed. |
| 37–48 months | 6.00% | As low as APR. Rate determined by creditworthiness, loan terms, mileage, age of collateral, and amount borrowed. |
| 49–60 months | 6.05% | As low as APR. Rate determined by creditworthiness, loan terms, mileage, age of collateral, and amount borrowed. |
| 61–72 months | 6.12% | As low as APR. Rate determined by creditworthiness, loan terms, mileage, age of collateral, and amount borrowed. |
| 73–84 months | 6.20% | As low as APR. Rate determined by creditworthiness, loan terms, mileage, age of collateral, and amount borrowed. |
Who can join San Francisco Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.