Credit union · NCUA insured
Santa Cruz Community Credit Union Auto Loan Rates
Santa Cruz Community Credit Union auto loans start at 5.24% APR for a new vehicle and 5.24% for a used one. Rates checked October 16, 2026.
How Santa Cruz Community Credit Union’s auto loan rates compare
Compared with banks and credit unions near Santa Cruz, CA, where Santa Cruz Community Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Santa Cruz Community Credit Union
5.24%APR
- Terms
- up to 60 months
- Up to
- 13.99% APR
- Discount
- None included
Auto Loans
2nd-lowest rate
Bay Federal Credit Union
5.49%APR
- Terms
- up to 66 months
- Up to
- 9.74% APR
- Discount
- None included
3rd-lowest rate
Bank of America
5.64%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- Included in the rate
Santa Cruz Community Credit Union auto loan score
79
Auto loan score
Higher than 48% of U.S. banks and credit unions
- New vehicleNew5.24%
- Used vehicleUsed5.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Santa Cruz Community 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 Loans
Up to 135% financing of MSRP or RKBB including sales taxes, warranty, and GAP insurance. $5,000 add-ons available for LTV 100% to 135%; for 90% LTV, warranty and GAP insurance only. Special rates available for first-time buyers and members without credit. 0.25% discount available with automatic repayment (not included in stated rates). Used auto loan rates: add 1% for vehicles 7+ years old and 1% for vehicles with 100,000 miles or more.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.74%–13.49% | Rates vary by FICO score: 740+ is 4.74% (135% LTV), 700-739 is 5.74% (125% LTV), 655-699 is 6.74% (120% LTV), 625-654 is 7.99% (115% LTV), 570-624 is 10.99% (100% LTV), <570 is 13.49% (90% LTV). Stated rates do not include 0.25% autopay discount. |
| up to 60 months | 5.24%–13.99% | Rates vary by FICO score: 740+ is 5.24% (135% LTV), 700-739 is 5.99% (125% LTV), 655-699 is 7.24% (120% LTV), 625-654 is 8.24% (115% LTV), 570-624 is 11.49% (100% LTV), <570 is 13.99% (90% LTV). Stated rates do not include 0.25% autopay discount. |
| up to 72 months | 5.74%–15.49% | Minimum loan amount of $15,000 required. Rates vary by FICO score: 740+ is 5.74% (135% LTV), 700-739 is 6.74% (125% LTV), 655-699 is 7.74% (120% LTV), 625-654 is 8.99% (115% LTV), 570-624 is 12.99% (100% LTV), <570 is 15.49% (90% LTV). Stated rates do not include 0.25% autopay discount. |
| up to 84 months | 6.24%–9.74% | Minimum loan amount of $25,000 required. Not available for FICO under 625. Rates vary by FICO score: 740+ is 6.24% (135% LTV), 700-739 is 7.24% (125% LTV), 655-699 is 8.24% (120% LTV), 625-654 is 9.74% (115% LTV). Stated rates do not include 0.25% autopay discount. |
Motorcycle Loans
Up to 120% financing. Terms up to 84 months. Motorcycle loans add 1.00% to stated new auto loan rates. 0.25% discount when repaid automatically (not included in stated rates).
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.74%–14.49% | Add 1.00% to stated auto loan rates. Rates by FICO: 740+ is 5.74%, 700-739 is 6.74%, 655-699 is 7.74%, 625-654 is 8.99%, 570-624 is 11.99%, <570 is 14.49%. Excludes 0.25% automatic repayment discount. |
| up to 60 months | 6.24%–14.99% | Add 1.00% to stated auto loan rates. Rates by FICO: 740+ is 6.24%, 700-739 is 6.99%, 655-699 is 8.24%, 625-654 is 9.24%, 570-624 is 12.49%, <570 is 14.99%. Excludes 0.25% automatic repayment discount. |
| up to 72 months | 6.74%–16.49% | Minimum loan amount of $15,000 required (not available to all credit types). Add 1.00% to stated auto loan rates. Rates by FICO: 740+ is 6.74%, 700-739 is 7.74%, 655-699 is 8.74%, 625-654 is 9.99%, 570-624 is 13.99%, <570 is 16.49%. Excludes 0.25% automatic repayment discount. |
| up to 84 months | 7.24%–10.74% | Minimum loan amount of $25,000 required (not available to all credit types). Not available for FICO under 625. Add 1.00% to stated auto loan rates. Rates by FICO: 740+ is 7.24%, 700-739 is 8.24%, 655-699 is 9.24%, 625-654 is 10.74%. Excludes 0.25% automatic repayment discount. |
Who can join Santa Cruz Community Credit Union
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