Credit union · NCUA insured
Sun Community Federal Credit Union Auto Loan Rates
Sun Community Federal Credit Union auto loans start at 4.74% APR for a new vehicle and 4.74% for a used one. Rates checked October 16, 2026.
How Sun Community Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near El Centro, CA, where Sun Community Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Sun Community Federal Credit Union
4.74%APR
- Terms
- 36–84 months
- Up to
- 18.00% APR
- Discount
- None included
Auto Loans
2nd-lowest rate
Corazo Credit Union
4.84%APR
- Terms
- up to 72 months
- Up to
- —
- Discount
- None included
3rd-lowest rate
Bank of America
5.64%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- Included in the rate
Sun Community 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 Sun Community 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.
Auto Loans
Available for purchase or refinance of new or used cars, trucks, or SUVs.
| Terms | APR | Conditions |
|---|---|---|
| 36–84 months | 4.74%–18.00% | — |
Sources (3)
All captured Oct 7, 2026
Who can join Sun Community Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to individuals who live, work, worship, or volunteer in the Imperial and Coachella Valley areas of California.
Membership information collected October 5, 2026.