Credit union · NCUA insured
Star One Credit Union Auto Loan Rates
Top CarrotStar One Credit Union auto loans start at 4.75% APR for a new vehicle and 4.75% for a used one. Rates checked October 16, 2026.
How Star One Credit Union’s auto loan rates compare
Compared with banks and credit unions near San Jose, CA, where Star One Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Star One Credit Union
4.75%APR
- Terms
- up to 84 months
- Up to
- 8.75% APR
- Discount
- None included
New Auto Loans
Lowest rate
F3 Credit Union
3.74%APR
- Terms
- up to 72 months
- Up to
- —
- Discount
- Included in the rate
2nd-lowest rate
Stanford Federal Credit Union
4.49%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- Included in the rate
Star One Credit Union auto loan score
87
Auto loan score
Higher than 76% of U.S. banks and credit unions
- New vehicleNew4.75%
- Used vehicleUsed4.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Star One 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.
Auto Lease Buyout Loans
APR based on credit qualification. Fixed rate. Sample payment on an 84-month loan at 4.75% is $14.02 per thousand financed, and at 8.75% is $15.96 per thousand financed. Promotional rates do not apply to loan modifications or refinancing of existing Star One loans.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.75%–8.75% | APR based on credit qualification. Fixed rate. Sample payment on an 84-month loan at 4.75% is $14.02 per thousand financed, and at 8.75% is $15.96 per thousand financed. Promotional rates do not apply to loan modifications or refinancing of existing Star One loans. |
Sources (1)
- starone.org/borrow/vehicle/auto-lease-buyout-loan · captured Oct 16, 2026
Classic Car Loans
Financing for classic/collector cars listed in the Cars of Particular Interest Price Guide (CPI) up to 80% of average CPI value. Fixed rate regardless of term up to 7 years.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.75% | Rates start as low as 4.75% APR based on credit qualification. Promotional rates do not apply to loan modifications or refinancing of existing Star One loans. |
Sources (2)
All captured Oct 16, 2026
Electric Vehicle Loans
APR based on credit qualification. Fixed rate. Sample payment on an 84-month loan at 4.75% is $14.02 per thousand financed, and at 8.75% is $15.96 per thousand financed. Promotional rates do not apply to loan modifications or refinancing of existing Star One loans.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.75%–8.75% | APR based on credit qualification. Fixed rate. Sample payment on an 84-month loan at 4.75% is $14.02 per thousand financed, and at 8.75% is $15.96 per thousand financed. Promotional rates do not apply to loan modifications or refinancing of existing Star One loans. |
Sources (1)
- starone.org/borrow/vehicle/ev-tesla-loans · captured Oct 16, 2026
New Auto Loans
Up to 100% financing (purchase price plus tax, license and service contracts) for cars 10 model-years-old or newer. Fixed rate with terms up to 7 years. Promotional rates do not apply to loan modifications or refinancing of existing Star One loans.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.75%–8.75% | APR based on credit qualification. Fixed rate. Sample payment on an 84-month loan is $14.02 to $15.96 per $1,000 financed. Promotional rates do not apply to a Star One loan refinance or rate modification. |
Sources (3)
All captured Oct 7, 2026
Used Auto Loans
Up to 100% financing for used cars 10 model-years-old or newer. Fixed rate with terms up to 7 years. Promotional rates do not apply to loan modifications or refinancing of existing Star One loans.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.75%–8.75% | APR based on credit qualification. Fixed rate. Sample payment on an 84-month loan is $14.02 to $15.96 per $1,000 financed. Promotional rates do not apply to loan modifications or refinancing of existing Star One loans. |
Sources (3)
All captured Oct 7, 2026
Who can join Star One Credit Union
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 (full-time immediately or part-time for at least one year), regularly work, work for employers located in, or attend school (in-person at least part-time) in Alameda, Merced, Monterey, San Benito, San Joaquin, San Mateo, Santa Clara, Santa Cruz, or Stanislaus County in California are eligible to join.
Employers and groups
- Employees of Star One's listed corporate partners are eligible for membership.
- Retirees of Lockheed Martin are eligible for membership.
- Star One Credit Union employees are eligible for membership.
Cost to join
- There are no membership fees and no monthly maintenance fees.
- Members must maintain a $50 balance in their Savings Account.
Membership information collected October 5, 2026.