Credit union · NCUA insured
Shell Western States FCU Auto Loan Rates
Shell Western States FCU auto loan rates start at 4.00% APR. Rates checked October 16, 2026.
How Shell Western States FCU’s auto loan rates compare
Compared with banks and credit unions near San Francisco, CA, where Shell Western States FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Shell Western States FCU
– –
- Terms
- —
- Up to
- —
- Discount
- —
No ongoing APR published
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
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 Auto
Financing up to 120% of Kelley Blue Book Lending value. Rate based on creditworthiness and term of loan. Membership open to everyone living, working, worshipping, or attending school in Contra Costa County. No application fee or funding fee.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.00% | Terms up to 84 months available. Rates will vary with different terms. |
New Motorcycle
Rate based on creditworthiness and term of loan. Membership open to everyone living, working, worshipping, or attending school in Contra Costa County. No application fee or funding fee.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.00% | Terms up to 60 months available. Rates will vary with different terms. |
Used Auto
Financing up to 120% of Kelley Blue Book Lending value. Rate based on creditworthiness and term of loan. Membership open to everyone living, working, worshipping, or attending school in Contra Costa County. No application fee or funding fee.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 4.00% | Terms up to 72 months available. Rates will vary with different terms. |
Used Motorcycle
Rate based on creditworthiness and term of loan. Membership open to everyone living, working, worshipping, or attending school in Contra Costa County. No application fee or funding fee.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.00% | Terms up to 60 months available. Rates will vary with different terms. |
Who can join Shell Western States FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school in Contra Costa County are eligible for membership.
Family and household
- Individuals who have an immediate family member with an active account with SWSFCU are eligible for membership.
Membership information collected October 5, 2026.