Credit union · NCUA insured
Schools Federal Credit Union Auto Loan Rates
Schools Federal Credit Union auto loans start at 4.94% APR for a new vehicle and 4.94% for a used one. Rates checked October 16, 2026.
How Schools Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Los Angeles, CA, where Schools Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Schools Federal Credit Union
4.94%APR
- Terms
- up to 60 months
- Discount
- None included
New Auto 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
Schools Federal Credit Union auto loan score
86
Auto loan score
Higher than 72% of U.S. banks and credit unions
- New vehicleNew4.94%
- Used vehicleUsed4.94%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Schools 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.
New 1st Time Car Buyer
For limited or no credit profile. Recommends at least 20% downpayment. Advertised rates include 0.25% discount for direct deposit and 0.25% discount with auto-pay.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.49% | Advertised rates include 0.25% discount for direct deposit and 0.25% discount with auto-pay. |
| up to 48 months | 7.44% | Advertised rates include 0.25% discount for direct deposit and 0.25% discount with auto-pay. |
| up to 60 months | 7.94% | Advertised rates include 0.25% discount for direct deposit and 0.25% discount with auto-pay. |
| up to 72 months | 7.99% | Advertised rates include 0.25% discount for direct deposit and 0.25% discount with auto-pay. |
Sources (1)
- schoolsfcu.org/auto-loans · captured Oct 16, 2026
New Auto Loan
Advertised rates include 0.25% discount for direct deposit and 0.25% discount with auto-pay.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.69% | Advertised rates include 0.25% discount for direct deposit and 0.25% discount with auto-pay. |
| up to 48 months | 4.84% | Advertised rates include 0.25% discount for direct deposit and 0.25% discount with auto-pay. |
| up to 60 months | 4.94% | Advertised rates include 0.25% discount for direct deposit and 0.25% discount with auto-pay. |
| up to 72 months | 5.09% | Advertised rates include 0.25% discount for direct deposit and 0.25% discount with auto-pay. |
| up to 84 months | 5.94% | Advertised rates include 0.25% discount for direct deposit and 0.25% discount with auto-pay. |
| up to 96 months | 6.34% | Advertised rates include 0.25% discount for direct deposit and 0.25% discount with auto-pay. |
Sources (1)
- schoolsfcu.org/auto-loans · captured Oct 16, 2026
Used 1st Time Car Buyer
For limited or no credit profile. Recommends at least 20% downpayment. Advertised rates include 0.25% discount for direct deposit and 0.25% discount with auto-pay.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.49% | Advertised rates include 0.25% discount for direct deposit and 0.25% discount with auto-pay. |
| up to 48 months | 7.44% | Advertised rates include 0.25% discount for direct deposit and 0.25% discount with auto-pay. |
| up to 60 months | 7.94% | Advertised rates include 0.25% discount for direct deposit and 0.25% discount with auto-pay. |
| up to 72 months | 7.99% | Advertised rates include 0.25% discount for direct deposit and 0.25% discount with auto-pay. |
Sources (1)
- schoolsfcu.org/auto-loans · captured Oct 16, 2026
Used Auto
Advertised rates include 0.25% discount for direct deposit and 0.25% discount with auto-pay.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.69% | Advertised rates include 0.25% discount for direct deposit and 0.25% discount with auto-pay. |
| up to 48 months | 4.84% | Advertised rates include 0.25% discount for direct deposit and 0.25% discount with auto-pay. |
| up to 60 months | 4.94% | Advertised rates include 0.25% discount for direct deposit and 0.25% discount with auto-pay. |
| up to 72 months | 5.09% | Advertised rates include 0.25% discount for direct deposit and 0.25% discount with auto-pay. |
| up to 84 months | 5.94% | Advertised rates include 0.25% discount for direct deposit and 0.25% discount with auto-pay. |
| up to 96 months | 6.34% | Advertised rates include 0.25% discount for direct deposit and 0.25% discount with auto-pay. |
Sources (1)
- schoolsfcu.org/auto-loans · captured Oct 16, 2026
Who can join Schools Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.