Credit union · NCUA insured
Sierra Central Credit Union Auto Loan Rates
Sierra Central Credit Union auto loans start at 4.99% APR for a new vehicle and 4.99% for a used one. Rates checked October 16, 2026.
How Sierra Central Credit Union’s auto loan rates compare
Compared with banks and credit unions near Chico, CA, where Sierra Central Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Sierra Central Credit Union
4.99%APR
- Terms
- —
- Discount
- None included
New & Used Auto Loans
Lowest rate
Rogue Credit Union
4.24%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
3rd-lowest rate
Bank of America
5.64%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Sierra Central Credit Union auto loan score
83
Auto loan score
Higher than 62% of U.S. banks and credit unions
- New vehicleNew4.99%
- 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.
Where Sierra Central 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.
Motorcycle Loan
Available for new or used motorcycles or powersport vehicles (purchase or refinance). Minimum loan amount $5,000, maximum loan amount $35,000. Terms up to 72 months. LTV up to 90%. Subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 9.99% | As low as rate based on platinum tier and 72-month financing (or titanium tier, 80% or less LTV and 72-month financing). Rates subject to change without notice. LTV up to 90%. All loans subject to credit approval. Payment example: Estimated APR of 10.99% on loan of $25,000 for 72 months = $478.00/mo. |
Sources (2)
All captured Oct 16, 2026
New & Used Auto Loans
Financing available for purchasing or refinancing new and used vehicles up to 125% of vehicle value (MSRP/value including tax, license, MRC) + GAP. Loan amounts range from $5,000 to $150,000. Refinancing valid only on non-Sierra Central Credit Union loans. Subject to credit qualification and membership eligibility.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.99% | As low as rate based on Titanium credit tier and 80% or better LTV. APR may vary depending on amount financed, term, credit history, and loan fees. Financing up to 125% of MSRP (includes tax, license and MRC) + GAP. An additional 0.25% discount may be available when automatic loan payments are set up from a Sierra Central Checking account within 60 days of funding. Payment example: Estimated APR of 7.24% on $35,000 for 60 months = $700.00/mo. |
Sources (3)
- sierracentral.com/borrow/consumer-loans
- sierracentral.com/promotions/save-more-on-your-auto-loan
- sierracentral.com/rate/consumer-loans
All captured Oct 16, 2026
Who can join Sierra Central Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.