Credit union · NCUA insured
Santa Barbara County Federal Credit Union Auto Loan Rates
Top CarrotSanta Barbara County Federal Credit Union auto loans start at 4.50% APR for a new vehicle and 4.50% for a used one. Rates checked October 7, 2026.
How Santa Barbara County Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Santa Maria, CA, where Santa Barbara County Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Santa Barbara County Federal Credit Union
4.50%APR
- Terms
- —
- Up to
- 18.00% APR
- Discount
- None included
Vehicles
2nd-lowest rate
CoastHills Credit Union
4.75%APR
- Terms
- up to 84 months
- Up to
- —
- Discount
- None included
3rd-lowest rate
SESLOC Credit Union
5.24%APR
- Terms
- up to 63 months
- Up to
- 13.99% APR
- Discount
- Included in the rate
Santa Barbara County Federal Credit Union auto loan score
89
Auto loan score
Higher than 86% of U.S. banks and credit unions
- New vehicleNew4.50%
- Used vehicleUsed4.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Santa Barbara County 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.
Vehicles
Please submit proof of income with your loan application for all non-share secured loans.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.50%–18.00% | Please submit proof of income with your loan application for all non-share secured loans. |
Sources (1)
- sbcreditunion.com/santa-barbar…s-rates-and-applications · captured Oct 7, 2026
Who can join Santa Barbara County Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.