Credit union · NCUA insured
San Joaquin Power Employees Credit Union Auto Loan Rates
San Joaquin Power Employees Credit Union auto loans start at 4.75% APR for a new vehicle and 4.75% for a used one. Rates checked October 16, 2026.
How San Joaquin Power Employees Credit Union’s auto loan rates compare
Compared with banks and credit unions near Fresno, CA, where San Joaquin Power Employees Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
San Joaquin Power Employees Credit Union
4.75%APR
- Terms
- up to 60 months
- Up to
- —
Automobile New and Used
Lowest rate
Pacific Service Credit Union
4.24%APR
- Terms
- up to 84 months
- Up to
- 15.99% APR
2nd-lowest rate
Noble Credit Union
4.35%APR
- Terms
- up to 60 months
- Up to
- —
San Joaquin Power Employees Credit Union auto loan score
87
Auto loan score
Higher than 76% of U.S. banks and credit unions
- New vehicleNew4.75%
- Used vehicleUsed4.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where San Joaquin Power Employees 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.
Automobile New and Used
Membership is open to employees and retirees of PG&E. All approved borrowers receive the same advertised rate regardless of credit score. New members may receive a 0.25% discount off advertised auto loan rates for eligible loans funded within the first 60 days of membership using promo code nmbr0001. Comprehensive and collision insurance with a maximum deductible of $1,000 is required on all collateral.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.75% | — |
| up to 72 months | 4.95% | — |
| up to 84 months | 5.95% | — |
Who can join San Joaquin Power Employees Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees and retirees of PG&E are eligible for membership.
Family and household
- Spouses of PG&E employees and retirees are eligible for membership.
Membership information collected October 5, 2026.