Credit union · NCUA insured
Sea Air FCU Auto Loan Rates
Top CarrotSea Air FCU auto loans start at 5.25% APR for a new vehicle and 5.50% for a used one. Rates checked October 16, 2026.
How Sea Air FCU’s auto loan rates compare
Compared with banks and credit unions near Los Angeles, CA, where Sea Air FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Sea Air FCU
5.25%APR
- Terms
- up to 96 months
- Discount
- None included
New Vehicles
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
Sea Air FCU auto loan score
73
Auto loan score
Higher than 33% of U.S. banks and credit unions
- New vehicleNew5.25%
- Used vehicleUsed5.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Sea Air FCU 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 Vehicles
Terms up to 96 months. Minimum loan amount for a 96-month term is $41,000 with a 1% premium added. Amount financed includes purchase price plus tax and license.
| Terms | APR | Conditions |
|---|---|---|
| up to 96 months | 5.75% | 100% Financing. Base Rate. 1% premium added for 96-month term (min loan amount $41,000). |
| up to 96 months | 5.50% | 90% Financing. Base Rate. 1% premium added for 96-month term (min loan amount $41,000). |
| up to 96 months | 5.25% | 80% Financing. Base Rate. 1% premium added for 96-month term (min loan amount $41,000). Example payment per $1,000 borrowed at 5.25% APR for 60 months = $18.99. |
Sources (1)
- seaairfcu.org/rates · captured Oct 7, 2026
Premier Used Vehicles
Previous Two Model Years. Terms up to 96 months. Minimum loan amount for a 96-month term is $41,000 with a 1% premium added.
| Terms | APR | Conditions |
|---|---|---|
| up to 96 months | 5.50% | Previous Two Model Years. Base Rate. 1% premium added for 96-month term (min loan amount $41,000). Example payment per $1,000 borrowed at 5.50% APR for 60 months = $19.10. |
Sources (1)
- seaairfcu.org/rates · captured Oct 7, 2026
Standard Used Vehicles
Terms up to 96 months. Minimum loan amount for a 96-month term is $41,000 with a 1% premium added.
| Terms | APR | Conditions |
|---|---|---|
| up to 96 months | 5.75% | Model years 2025 and 2024. Base Rate. 1% premium added for 96-month term (min loan amount $41,000). Example payment per $1,000 borrowed at 5.75% APR for 60 months = $19.22. |
| up to 96 months | 6.00% | Model year 2023. Base Rate. 1% premium added for 96-month term (min loan amount $41,000). |
| up to 96 months | 6.50% | Model years 2022, 2021, 2020. Base Rate. 1% premium added for 96-month term (min loan amount $41,000). |
| up to 96 months | 7.00% | Model years 2019 and 2018. Base Rate. 1% premium added for 96-month term (min loan amount $41,000). |
| up to 96 months | 7.50% | Model years 2017 and older. Base Rate. 1% premium added for 96-month term (min loan amount $41,000). |
Sources (1)
- seaairfcu.org/rates · captured Oct 7, 2026
Who can join Sea Air FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to residents of Sunset Beach.
Employers and groups
- Membership is open through membership with the Financial Fitness Association.
- Membership is open to members of USA Water Polo.
Military, government and schools
- Membership is open to employees of the City of Seal Beach.
- Membership is open to civilians who work or live on Seal Beach Weapons Station, Los Alamitos Joint Training Base, or Norco Naval Facility.
- Membership is open to active duty, retired, and reserve military.
1 more way to join
Family and household
- Membership is open to immediate family of current members.
Cost to join
- Membership requires opening and maintaining a minimum balance of $5.00 in a Share Savings Account.
Membership information collected October 5, 2026.