SchoolsFirst FCU Auto Loan Rates

How SchoolsFirst FCU’s auto loan rates compare

Compared with banks and credit unions near Los Angeles, CA, where SchoolsFirst FCU has the most branches. New vehicle, lowest advertised APR first.

This credit union’s lowest
SchoolsFirst FCU
4.59%APR
Terms
up to 60 months
Up to
18.00% APR
Discount
Included in the rate
New & Used Auto Loans
Lowest rate
Downey Federal Credit Union
3.49%APR
Terms
—
Up to
—
Discount
None included
Downey Federal Credit Union rates
2nd-lowest rate
United Catholics Federal CU
3.75%APR
Terms
up to 84 months
Up to
—
Discount
Included in the rate
United Catholics Federal CU rates

Compare auto loan rates near you →

Auto loan score

Higher than 30% of U.S. banks and credit unions

By vehicle

New vehicleNew4.59%
Used vehicleUsed4.99%

Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.

How the score works →

Where SchoolsFirst FCU ranks

By auto loan score, in each area where it has branches

And 1 more area →

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 & Used Auto Loans

Rates based on creditworthiness, collateral conditions, qualification, amount financed, and other factors. Financing not to exceed 130% MSRP (new) or Kelley Blue Book Suggested Retail Value (used). Lowest rates reflect a 0.75% discount for payment made by automatic transfer from a SchoolsFirst FCU account.

Terms	APR	Conditions
up to 36 months	4.59%–18.00%	New vehicles. Includes a 0.75% discount for payment made by automatic transfer from a SchoolsFirst FCU account. Estimated payment per $100 borrowed: $2.98 - $3.62.
up to 36 months	4.99%–18.00%	Used vehicles. Includes a 0.75% discount for payment made by automatic transfer from a SchoolsFirst FCU account. Estimated payment per $100 borrowed: $2.98 - $3.62.
up to 48 months	4.59%–18.00%	New vehicles. Includes a 0.75% discount for payment made by automatic transfer from a SchoolsFirst FCU account. Estimated payment per $100 borrowed: $2.28 - $2.94.
up to 48 months	4.99%–18.00%	Used vehicles. Includes a 0.75% discount for payment made by automatic transfer from a SchoolsFirst FCU account. Estimated payment per $100 borrowed: $2.28 - $2.94.
up to 60 months	4.59%–18.00%	New vehicles. Includes a 0.75% discount for payment made by automatic transfer from a SchoolsFirst FCU account. Estimated payment per $100 borrowed: $1.87 - $2.54.
up to 60 months	4.99%–18.00%	Used vehicles. Includes a 0.75% discount for payment made by automatic transfer from a SchoolsFirst FCU account. Estimated payment per $100 borrowed: $1.87 - $2.54.
up to 72 months	4.99%–18.00%	New vehicles. Includes a 0.75% discount for payment made by automatic transfer from a SchoolsFirst FCU account. Estimated payment per $100 borrowed: $1.61 - $2.28.
up to 72 months	5.19%–18.00%	Used vehicles. Includes a 0.75% discount for payment made by automatic transfer from a SchoolsFirst FCU account. Estimated payment per $100 borrowed: $1.61 - $2.28.
up to 84 months	5.69%–18.00%	New vehicles. Loan amount must be $25,000 or greater and vehicle must not be more than 5 model years old (2022-2026). Includes a 0.75% discount for payment made by automatic transfer from a SchoolsFirst FCU account. Estimated payment per $100 borrowed: $1.45 - $2.10.
up to 84 months	5.99%–18.00%	Used vehicles. Loan amount must be $25,000 or greater and vehicle must not be more than 5 model years old (2022-2026). Includes a 0.75% discount for payment made by automatic transfer from a SchoolsFirst FCU account. Estimated payment per $100 borrowed: $1.45 - $2.10.

Sources (2)

All captured Oct 16, 2026

Refinance Auto Loans

Does not apply to the refinance of existing SchoolsFirst FCU auto loans or cash-out refinance loans. Rate reflects a 0.75% discount for payment by automatic transfer from SchoolsFirst FCU Share Savings or Share Draft Checking account.

Terms	APR	Conditions
—	4.99%	As low as 4.99% APR. Includes a 0.75% discount for payment by automatic transfer from SchoolsFirst FCU Share Savings or Share Draft Checking account.

Sources (1)

schoolsfirstfcu.org/products/a…ans/refinance-auto-loans · captured Oct 16, 2026

School Employee Auto Loan with Summers Off

Available to qualified school employees. Original loan term must be 60 months or less to be eligible for summers off. Option to skip two consecutive payments during the summer (June/July, July/August, or August/September); monthly payments remain the same, loan term is extended, and interest continues to accrue during skip months. Lowest rates reflect a 0.75% discount for automatic transfer payment from a SchoolsFirst FCU account.

Terms	APR	Conditions
up to 36 months	4.59%–18.00%	New vehicles. School employee product. Reflects a 0.75% discount for payment by automatic transfer from a SchoolsFirst FCU account. Estimated payment per $100 borrowed: $2.98 - $3.62.
up to 36 months	4.99%–18.00%	Used vehicles. School employee product. Reflects a 0.75% discount for payment by automatic transfer from a SchoolsFirst FCU account. Estimated payment per $100 borrowed: $2.98 - $3.62.
up to 48 months	4.59%–18.00%	New vehicles. School employee product. Reflects a 0.75% discount for payment by automatic transfer from a SchoolsFirst FCU account. Estimated payment per $100 borrowed: $2.28 - $2.94.
up to 48 months	4.99%–18.00%	Used vehicles. School employee product. Reflects a 0.75% discount for payment by automatic transfer from a SchoolsFirst FCU account. Estimated payment per $100 borrowed: $2.28 - $2.94.
up to 60 months	4.59%–18.00%	New vehicles. School employee product. Reflects a 0.75% discount for payment by automatic transfer from a SchoolsFirst FCU account. Estimated payment per $100 borrowed: $1.87 - $2.54.
up to 60 months	4.99%–18.00%	Used vehicles. School employee product. Reflects a 0.75% discount for payment by automatic transfer from a SchoolsFirst FCU account. Estimated payment per $100 borrowed: $1.87 - $2.54.

Sources (2)

All captured Oct 16, 2026

Who can join SchoolsFirst FCU

This may be incomplete or out of date, so check with the credit union before you apply.

Family and household

Children of Members related by birth, marriage, or adoption are eligible for youth membership.

Membership information collected October 5, 2026.

Check membership requirements ↗Branches and institution details

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