Credit union · Privately insured
SF Fire Credit Union Auto Loan Rates
Top CarrotSF Fire Credit Union auto loans start at 4.63% APR for a new vehicle and 4.75% for a used one. Rates checked October 16, 2026.
How SF Fire Credit Union’s auto loan rates compare
Compared with banks and credit unions near San Francisco, CA, where SF Fire Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
SF Fire Credit Union
4.63%APR
- Terms
- 61–72 months
- Up to
- —
- Discount
- None included
New Autos: 2025 or newer
Lowest rate
Utility District Credit Union
3.50%APR
- Terms
- up to 60 months
- Up to
- 13.00% APR
- Discount
- None included
2nd-lowest rate
F3 Credit Union
3.74%APR
- Terms
- up to 72 months
- Up to
- —
- Discount
- Included in the rate
SF Fire Credit Union auto loan score
87
Auto loan score
Higher than 79% of U.S. banks and credit unions
- New vehicleNew4.63%
- Used vehicleUsed4.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where SF Fire 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.
Classic & Older Autos
All loans subject to credit approval. Rates depend on creditworthiness. 100k max mileage for Early & Classic.
| Terms | APR | Conditions |
|---|---|---|
| 12–48 months | 8.54% | Loan amount $5,000. |
| 49–60 months | 8.69% | Loan amount $10,000. |
New Autos: 2025 or newer
Rates shown are the lowest available for qualified borrowers and include a 0.25% discount for Automatic Loan Payments. If automatic payments are not established prior to first payment date or cancelled, interest rate increases by 0.25%. All loans subject to credit approval. 80k max-mileage. Commercial-use vehicles excluded.
| Terms | APR | Conditions |
|---|---|---|
| 12–48 months | 4.63% | Includes 0.25% automatic payment discount. Loan amount $5,000. |
| 49–60 months | 4.63% | Includes 0.25% automatic payment discount. Loan amount $10,000. |
| 61–72 months | 4.63% | Includes 0.25% automatic payment discount. Loan amount $15,000. |
| 73–84 months | 4.63% | Includes 0.25% automatic payment discount. Requires minimum loan amount of $25,000. |
New Motorcycles/Scooters: 2025 or newer
Rates shown are lowest available rates for qualified borrowers and include a 0.25% discount for Automatic Loan Payments. If automatic payments are not established prior to first payment date or cancelled, interest rate increases by 0.25%. All loans subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| 1–36 months | 6.87% | Includes 0.25% automatic payment discount. Loan amount $5,000. |
| 37–60 months | 6.87% | Includes 0.25% automatic payment discount. Loan amount $10,000. |
| 61–72 months | 6.87% | Includes 0.25% automatic payment discount. Loan amount $15,000. For new motorcycles only. |
Sources (1)
- sffirecu.org/rates/vehicle-loans · captured Oct 6, 2026
Used Autos: 2016 - 2025
Rates shown are lowest available rates for qualified borrowers and include a 0.25% discount for Automatic Loan Payments. If automatic payments are not established prior to first payment date or cancelled, interest rate increases by 0.25%. All loans subject to credit approval. 80k max-mileage. Commercial-use vehicles excluded.
| Terms | APR | Conditions |
|---|---|---|
| 12–48 months | 4.75% | Includes 0.25% automatic payment discount. Loan amount $5,000. |
| 49–60 months | 4.75% | Includes 0.25% automatic payment discount. Loan amount $10,000. |
| 61–72 months | 4.75% | Includes 0.25% automatic payment discount. Loan amount $15,000. |
| 73–84 months | 4.75% | Includes 0.25% automatic payment discount. Requires minimum loan amount of $25,000. |
Who can join SF Fire Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Anyone can join the credit union by becoming a member of the Community Impact Fund (CIF) at no cost.
Where you live or work
- Individuals who live, work, or attend school in San Francisco, San Mateo, or Marin County are eligible for membership.
Employers and groups
- Active members of the California State Firefighters’ Association are eligible for membership.
Military, government and schools
- Active or retired firefighters in San Francisco, San Mateo, or Marin County, as well as members and employees of Local IAFF 1171, Santa Clara Firefighters, are eligible for membership.
Family and household
- Family of SF Fire Credit Union members are eligible to join.
Membership information collected October 5, 2026.