Credit union · NCUA insured
Sheet Metal Workers Local 104 Federal Credit Union Auto Loan Rates
Sheet Metal Workers Local 104 Federal Credit Union auto loans start at 5.99% APR for a new vehicle and 5.99% for a used one. Rates checked October 16, 2026.
How Sheet Metal Workers Local 104 Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near San Francisco, CA, where Sheet Metal Workers Local 104 Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Sheet Metal Workers Local 104 Federal Credit Union
5.99%APR
- Terms
- 37–60 months
- Up to
- —
- Discount
- None included
New and Used Auto Loans
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
Sheet Metal Workers Local 104 Federal Credit Union auto loan score
66
Auto loan score
Higher than 17% of U.S. banks and credit unions
- New vehicleNew5.99%
- Used vehicleUsed5.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Sheet Metal Workers Local 104 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 and Used Auto Loans
Rates determined by credit history, loan terms, mileage, age of collateral, and amount borrowed. A 0.25% relationship discount applies for members with current or past loans with SMW 104 FCU. No financing for vehicles with a Salvaged Title, Lemon Law Buyback Title, or Warranty Return Title.
| Terms | APR | Conditions |
|---|---|---|
| 1–36 months | 5.74% | Rate is as low as; includes 0.25% relationship discount for members who have current or past loans with SMW 104 FCU. |
| 37–60 months | 5.99% | Rate is as low as; includes 0.25% relationship discount for members who have current or past loans with SMW 104 FCU. |
| 61–72 months | 6.24% | Rate is as low as; includes 0.25% relationship discount for members who have current or past loans with SMW 104 FCU. |
| 73–84 months | 6.69% | Rate is as low as; includes 0.25% relationship discount for members who have current or past loans with SMW 104 FCU. |
Sources (1)
- smw104fcu.org/auto-loans · captured Oct 7, 2026
Who can join Sheet Metal Workers Local 104 Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.