Credit union · NCUA insured
Sierra Pacific Federal Credit Union Auto Loan Rates
Top CarrotSierra Pacific Federal Credit Union auto loans start at 4.74% APR for a new vehicle and 4.74% for a used one. Rates checked October 22, 2026.
How Sierra Pacific Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Reno, NV, where Sierra Pacific Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Sierra Pacific Federal Credit Union
4.74%APR
- Terms
- up to 60 months
- Up to
- —
New and Used Vehicle
Lowest rate
Great Basin Federal Credit Union
4.25%APR
- Terms
- up to 60 months
- Up to
- 16.75% APR
2nd-lowest rate
Greater Nevada Credit Union
4.50%APR
- Terms
- up to 84 months
- Up to
- —
Sierra Pacific Federal Credit Union auto loan score
87
Auto loan score
Higher than 80% of U.S. banks and credit unions
- New vehicleNew4.74%
- Used vehicleUsed4.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Sierra Pacific 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.
Classic Cars
Rates stated 'As low as'. Rates and terms are based on creditworthiness and subject to change.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 7.25% | Rates stated 'As low as'. |
Sources (2)
All captured Oct 7, 2026
New and Used Vehicle
Rates apply to 2018 or newer models if conditions are met. Rates and terms are based on creditworthiness and subject to change. No processing fees, application fees, or prepayment penalties.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.94% | Rates apply to 2018 or newer models if conditions are met (p9 states 2019 or newer models). Rates stated 'As low as' and based on creditworthiness. |
| up to 48 months | 4.34% | Rates apply to 2018 or newer models if conditions are met (p9 states 2019 or newer models). Rates stated 'As low as' and based on creditworthiness. |
| up to 60 months | 4.74% | Rates apply to 2018 or newer models if conditions are met (p9 states 2019 or newer models). Rates stated 'As low as' and based on creditworthiness. |
| up to 72 months | 5.44% | Rates apply to 2018 or newer models if conditions are met (p9 states 2019 or newer models). Rates stated 'As low as' and based on creditworthiness. |
| up to 84 months | 5.94% | Rates apply to 2018 or newer models if conditions are met (p9 states 2019 or newer models). Rates stated 'As low as' and based on creditworthiness. |
Sources (2)
All captured Oct 7, 2026
Used Vehicle
Rates apply to vehicle models more than 7 years old if conditions are met. Rates and terms are based on creditworthiness and subject to change.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.44% | Rates apply to vehicle models more than 7 years old if conditions are met. Rates stated 'As low as'. |
| up to 48 months | 4.94% | Rates apply to vehicle models more than 7 years old if conditions are met. Rates stated 'As low as'. |
Sources (1)
- sierrapacificfcu.org/about/rates · captured Oct 7, 2026
Who can join Sierra Pacific Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees and members of partner groups and select employer groups (including NV Energy, Southwest Gas, Nevada Alumni Association, St. Mary's, Teamsters Union Local 533, Mars, Costco, and other partner organizations) are eligible for membership.
Cost to join
- Establishing membership requires an initial $5 share deposit into a Regular Share Savings Account, which Sierra Pacific provides and which serves as the minimum balance required to maintain membership.
Membership information collected October 4, 2026.