Credit union · NCUA insured
Stanford Federal Credit Union Auto Loan Rates
Top CarrotStanford Federal Credit Union auto loans start at 4.49% APR for a new vehicle and 4.49% for a used one. Rates checked October 17, 2026.
How Stanford Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near San Jose, CA, where Stanford Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Stanford Federal Credit Union
4.49%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- Included in the rate
New & Used Auto
Lowest rate
F3 Credit Union
3.74%APR
- Terms
- up to 72 months
- Up to
- —
- Discount
- Included in the rate
3rd-lowest rate
Star One Credit Union
4.75%APR
- Terms
- up to 84 months
- Up to
- 8.75% APR
- Discount
- None included
Stanford Federal Credit Union auto loan score
87
Auto loan score
Higher than 80% of U.S. banks and credit unions
- New vehicleNew4.49%
- Used vehicleUsed4.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Stanford 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 Auto
All loans subject to credit approval and membership eligibility. Rate based on creditworthiness and other factors. Rates shown reflect highest credit tier plus 1.00% Ambassador Loyalty+ discount.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 6.49% | Fixed rate 'As Low As'. Rates shown are for highest credit tier plus Ambassador Loyalty+ bonus discount of 1.00%. |
Sources (1)
- sfcu.org/borrow/vehicle-loans · captured Oct 16, 2026
New & Used Auto
All loans subject to credit approval and membership eligibility. Vehicles must be purchased from a franchise dealer in the state you live in; refinances limited to CA residents. Financing up to 125% LTV (MSRP for new, average KBB for used) plus tax, license, documentation, recording fees, GAP, and MBI. Rate reflects highest credit tier plus 1.00% Ambassador Loyalty+ discount. No application or early payoff fee. Max 90 days to first payment. Comprehensive and collision coverage required (max $1,000 deductible).
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.49% | Fixed rate 'As Low As'. Includes 1.00% Ambassador Loyalty+ bonus discount (must be maintained throughout loan term) and highest credit tier. Vehicles 7 model years or newer with less than 75K miles. Terms up to 48 months: vehicles must be less than 7 model years old (2020-2026+) with less than 75,000 miles, minimum loan amount $5,000. Terms 49 to 60 months: vehicles must be less than 5 model years old (2022-2026+) with less than 60,000 miles, minimum loan amount $10,000. |
| 61–84 months | 4.99% | Fixed rate 'As Low As'. Includes 1.00% Ambassador Loyalty+ bonus discount (must be maintained throughout loan term) and highest credit tier. Vehicles must be less than 3 model years old (2024-2026+) with less than 36,000 miles. Minimum loan amount $20,000. |
Sources (1)
- sfcu.org/borrow/vehicle-loans · captured Oct 16, 2026
New & Used Motorcycle
All loans subject to credit approval and membership eligibility. Rate based on creditworthiness and other factors. Rates shown are for highest credit tier plus Ambassador Loyalty+ bonus discount of 1.00%.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 6.49% | Fixed rate 'As Low As'. Rates shown are for highest credit tier plus Ambassador Loyalty+ bonus discount of 1.00%. |
Sources (1)
- sfcu.org/borrow/vehicle-loans · captured Oct 16, 2026
Who can join Stanford Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.