Credit union · NCUA insured
Thinkwise Credit Union Auto Loan Rates
Top CarrotThinkwise Credit Union auto loans start at 3.49% APR for a new vehicle and 3.49% for a used one. Rates checked September 25, 2026.
How Thinkwise Credit Union’s auto loan rates compare
Compared with banks and credit unions near Riverside, CA, where Thinkwise Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Thinkwise Credit Union
3.49%APR
- Terms
- up to 60 months
90-Day Auto Loan Payment Deferral
2nd-lowest rate
Collegedale Credit Union
3.89%APR
- Terms
- —
3rd-lowest rate
REDLANDS CITY EMPLOYEES
4.25%APR
- Terms
- up to 60 months
Thinkwise Credit Union auto loan score
99
Auto loan score
Higher than 99% of U.S. banks and credit unions
- New vehicleNew3.49%
- Used vehicleUsed3.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Thinkwise 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.
90-Day Auto Loan Payment Deferral
Members who secure a qualified new or used Auto Loan or refinance an Auto Loan from another lender enjoy deferred payments for 90 days from closing date. Current Thinkwise Credit Union Auto Loans are not eligible.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 3.49% | Advertised as low as rate is based on up to 60-month term for new and used vehicle financing up to 125% LTV. Rates based on credit and amount financed. |
Sources (1)
- thinkwisecu.org/90day-auto-loan-payment-def · captured Sep 16, 2026
Beat Your Rate
Refinance an existing auto loan from another lender (new money to Thinkwise). Applicant must show proof of 12 months of on-time car payments and current loan rate documentation. Maximum loan amount up to 125% of retail Kelly Blue Book value on a used vehicle.
| Terms | APR | Conditions |
|---|---|---|
| — | 5.99%–18.00% | Rate offered is 1% lower than current auto loan rate from another lender, not to exceed 18% or be below 5.99%. If existing rate is above 18%, maximum rate of 18% is offered. |
| up to 84 months | 5.99%–18.00% | Minimum loan amount for 84-month term is $30,000. Rate offered is 1% lower than current auto loan rate, not to exceed 18% or be below 5.99%. |
Sources (1)
- thinkwisecu.org/lending-promos-2 · captured Sep 16, 2026
First-Time Auto Buyer Program
Applicant must have no previous auto loans. Includes 90-day payment deferral and complimentary GAP.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 10.00% | Guaranteed Rate of 10% APR regardless of credit score. No minimum loan amount for terms up to 72 months. |
| up to 84 months | 10.00% | Guaranteed Rate of 10% APR regardless of credit score. Minimum loan amount of $20,000 for an 84-month term. |
Sources (1)
- thinkwisecu.org/first-time-auto-buyer · captured Sep 16, 2026
New & Used Auto Loans
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.49% | — |
| up to 48 months | 4.49% | — |
| up to 60 months | 4.49% | — |
| up to 72 months | 4.99% | — |
| up to 84 months | 5.99% | — |
Sources (1)
- thinkwisecu.org/loan-rates · captured Sep 16, 2026
Who can join Thinkwise Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Businesses qualify automatically for membership if the legal or majority owner is an existing TWCU member, the business operates in a permissible industry category, and is headquartered or primarily conducts business in Orange, Riverside, or San Bernardino Counties.
- Businesses qualify under Field-of-Membership qualification if they are located or primarily operate within the three-county service area and demonstrably support the educational sector.
Military, government and schools
- Active educational employees whose primary worksite is an educational institution within Orange, Riverside, and San Bernardino Counties are eligible for individual membership.
- Retirees, pensioners, and annuitants who have retired from any eligible educational occupation within the three-county area are eligible for membership.
- Volunteers directly supporting educational institutions in the service area, including PTA/PTO officers, booster-club leaders, and board members, are eligible for membership.
Family and household
- Immediate family members (spouses/domestic partners, parents, children, siblings, grandparents, grandchildren) and household members of current or eligible members are eligible for membership.
Membership information collected October 5, 2026.