Credit union · NCUA insured
Sun Pacific Federal Credit Union Auto Loan Rates
Top CarrotSun Pacific Federal Credit Union auto loans start at 4.35% APR for a new vehicle and 4.35% for a used one. Rates checked October 16, 2026.
How Sun Pacific Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near San Francisco, CA, where Sun Pacific Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Sun Pacific Federal Credit Union
4.35%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- None included
Car Loans
Lowest rate
Utility District Credit Union
3.50%APR
- Terms
- up to 60 months
- Up to
- 13.00% APR
- Discount
- None included
2nd-lowest rate
F3 Credit Union
3.74%APR
- Terms
- up to 72 months
- Up to
- —
- Discount
- Included in the rate
Sun Pacific Federal Credit Union auto loan score
91
Auto loan score
Higher than 93% of U.S. banks and credit unions
- New vehicleNew4.35%
- Used vehicleUsed4.35%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Sun 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.
Car Loans
Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 5.15% | Risk Grade A+, Model Year 2025 to 2027 |
| up to 72 months | 4.45% | Risk Grade A+, Model Year 2025 to 2027 |
| up to 60 months | 4.35% | Risk Grade A+, Model Year 2025 to 2027 |
| up to 48 months | 4.25% | Risk Grade A+, Model Year 2020 to 2024 |
| up to 36 months | 4.15% | Risk Grade A+, Model Year 2016 to 2019 |
| up to 24 months | 4.05% | Risk Grade A+, Model Year 2011 to 2015 |
| up to 84 months | 5.50% | Risk Grade A, Model Year 2025 to 2027 |
| up to 72 months | 4.80% | Risk Grade A, Model Year 2025 to 2027 |
| up to 60 months | 4.70% | Risk Grade A, Model Year 2025 to 2027 |
| up to 48 months | 4.60% | Risk Grade A, Model Year 2020 to 2024 |
| up to 36 months | 4.50% | Risk Grade A, Model Year 2016 to 2019 |
| up to 24 months | 4.40% | Risk Grade A, Model Year 2011 to 2015 |
| up to 84 months | 6.15% | Risk Grade B, Model Year 2025 to 2027 |
| up to 72 months | 5.45% | Risk Grade B, Model Year 2025 to 2027 |
| up to 60 months | 5.35% | Risk Grade B, Model Year 2025 to 2027 |
| up to 48 months | 5.25% | Risk Grade B, Model Year 2020 to 2024 |
| up to 36 months | 5.15% | Risk Grade B, Model Year 2016 to 2019 |
| up to 24 months | 5.05% | Risk Grade B, Model Year 2011 to 2015 |
| up to 84 months | 9.25% | Risk Grade C, Model Year 2025 to 2027 |
| up to 72 months | 8.55% | Risk Grade C, Model Year 2025 to 2027 |
| up to 60 months | 8.45% | Risk Grade C, Model Year 2025 to 2027 |
| up to 48 months | 8.35% | Risk Grade C, Model Year 2020 to 2024 |
| up to 36 months | 8.25% | Risk Grade C, Model Year 2016 to 2019 |
| up to 24 months | 8.15% | Risk Grade C, Model Year 2011 to 2015 |
| up to 84 months | 11.20% | Risk Grade D, Model Year 2025 to 2027 |
| up to 72 months | 10.50% | Risk Grade D, Model Year 2025 to 2027 |
| up to 60 months | 10.40% | Risk Grade D, Model Year 2025 to 2027 |
| up to 48 months | 10.30% | Risk Grade D, Model Year 2020 to 2024 |
| up to 36 months | 10.20% | Risk Grade D, Model Year 2016 to 2019 |
| up to 24 months | 10.10% | Risk Grade D, Model Year 2011 to 2015 |
Who can join Sun Pacific Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Region IX Social Security Administration employees are eligible for membership.
Family and household
- Immediate family members of Region IX Social Security Administration employees are eligible for membership.
Cost to join
- A $5 opening deposit into a Regular Share (Savings) Account is required to join.
Membership information collected October 5, 2026.