Credit union · NCUA insured
Santa Ana Federal Credit Union Auto Loan Rates
Top CarrotSanta Ana Federal Credit Union auto loans start at 3.99% APR for a new vehicle and 3.99% for a used one. Rates checked October 16, 2026.
How Santa Ana Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Los Angeles, CA, where Santa Ana Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Santa Ana Federal Credit Union
3.99%APR
- Terms
- —
- Discount
- Included in the rate
Vehicle Loan
Lowest rate
Downey Federal Credit Union
3.49%APR
- Terms
- —
- Discount
- None included
2nd-lowest rate
United Catholics Federal CU
3.75%APR
- Terms
- up to 84 months
- Discount
- Included in the rate
Santa Ana Federal Credit Union auto loan score
93
Auto loan score
Higher than 94% of U.S. banks and credit unions
- New vehicleNew3.99%
- Used vehicleUsed3.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Santa Ana 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.
Vehicle Loan
Membership eligibility required. Actual rate, loan amount, and terms are based on creditworthiness and may vary. Used vehicle model years not to exceed 10 years old or 150,000 miles. Up to 100% financing available. Financing available for new or used cars, trucks, and motorcycles, as well as vehicle refinancing. Available to Members with ITINs. Loan approvals good for up to 60 days.
| Terms | APR | Conditions |
|---|---|---|
| — | 3.99% | Rate as low as 3.99% APR includes rate reduction due to Relationship discounts of up to 0.75% (0.25% rate reduction for Members having Direct Deposit of entire net pay; 0.25% discount for Members that pay the loan through payroll, ACH Origination or automatic transfer; 0.25% discount for 'Loyalty Plus' Members). Not all Members will qualify. Used vehicle model years not to exceed 10 years old or 150,000 miles. Minimum auto loan amount of $10,000.00 is required to earn bonus deposit. |
Who can join Santa Ana Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Anyone who wishes to join through the Community Impact Fund at no cost is eligible for membership.
Where you live or work
- Individuals who live, work, worship, or attend school in Santa Ana are eligible for membership.
Employers and groups
- Employees of Valued Community Partners are eligible for membership.
Family and household
- Immediate family members of current members are eligible for membership.
Cost to join
- Joining SAFCU requires opening a Share Savings Account.
Membership information collected October 5, 2026.