Credit union · NCUA insured
SkyOne Federal Credit Union Auto Loan Rates
Top CarrotSkyOne 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 SkyOne Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Los Angeles, CA, where SkyOne Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
SkyOne Federal Credit Union
5.99%APR
- Terms
- up to 60 months
- Discount
- None included
New & Used Vehicles
Lowest rate
Downey Federal Credit Union
3.49%APR
- Terms
- —
- Discount
- None included
2nd-lowest rate
United Catholics Federal CU
3.75%APR
- Terms
- up to 84 months
- Discount
- Included in the rate
SkyOne 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 SkyOne 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 & Used Vehicles
Advertised 'as low as' APRs include up to 0.50% in eligible relationship discounts (e.g., 0.50% direct deposit discount requiring at least two ACH deposits >$1.00 totaling $1,000+ within rolling 70 days). Floor rate is 4.99%. Maximum APR is 18.00%. Financing up to 125% of retail value. Valid for vehicles purchased within contiguous US, AK, and HI in the registration state.
| Terms | APR | Conditions |
|---|---|---|
| 36–48 months | 5.74% | For loan terms of 72 months or less, minimum amount financed is $10,000. |
| up to 60 months | 5.99% | For loan terms of 72 months or less, minimum amount financed is $10,000. |
| up to 72 months | 6.49% | For loan terms of 72 months or less, minimum amount financed is $10,000. |
| up to 84 months | 6.99% | For loan terms greater than 72 months up to 84 months, minimum amount financed is $25,000. |
Sources (1)
- skyone.org/auto-loan · captured Oct 7, 2026
Vehicle Refinance
Advertised 'as low as' APRs include up to 0.50% in eligible relationship discounts (e.g., 0.50% direct deposit discount requiring at least two ACH deposits >$1.00 totaling $1,000+ within rolling 70 days). Floor rate is 4.99%. Maximum APR is 18.00%. Financing up to 125% of retail value.
| Terms | APR | Conditions |
|---|---|---|
| 36–48 months | 4.99% | For loan terms of 72 months or less, minimum amount financed is $10,000. |
| up to 60 months | 5.24% | For loan terms of 72 months or less, minimum amount financed is $10,000. |
| up to 72 months | 5.99% | For loan terms of 72 months or less, minimum amount financed is $10,000. |
| up to 84 months | 6.24% | For loan terms greater than 72 months up to 84 months, minimum amount financed is $25,000. |
Sources (1)
- skyone.org/auto-loan · captured Oct 7, 2026
Who can join SkyOne Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Aviation professionals, including those from CAA/FAA, TSA, air cargo, and airline industries.
Membership information collected October 5, 2026.