Credit union · NCUA insured
Torrance Community Credit Union Auto Loan Rates
Top CarrotTorrance Community Credit Union auto loans start at 4.49% APR for a new vehicle and 4.49% for a used one. Rates checked October 16, 2026.
How Torrance Community Credit Union’s auto loan rates compare
Compared with banks and credit unions near Los Angeles, CA, where Torrance Community Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Torrance Community Credit Union
4.49%APR
- Terms
- up to 96 months
- Discount
- Included in the rate
New and Used Auto Loans
Lowest rate
Downey Federal Credit Union
3.49%APR
- Terms
- —
- Discount
- None included
2nd-lowest rate
United Catholics Federal CU
3.75%APR
- Terms
- up to 84 months
- Discount
- Included in the rate
Torrance Community 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 Torrance Community 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.
New and Used Auto Loans
Up to 100% financing available for new purchases, used purchases, or refinancing.
| Terms | APR | Conditions |
|---|---|---|
| up to 96 months | 4.49% | For model years 2016 or newer. Rate includes a 0.25% discount for Direct Deposit from a payroll entity combined with auto pay from a TCCU account. Rate varies depending on creditworthiness, qualifications, collateral, and requested terms. Additional discounts available. |
Sources (3)
All captured Oct 7, 2026
Who can join Torrance Community 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This may be incomplete or out of date, so check with the credit union before you apply.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 anyone who lives or works in Torrance, Redondo Beach, the Palos Verdes Peninsula, Hawthorne, Lawndale, or Lennox.
Cost to join
- A $5 deposit into a share savings account is required to open membership.
Membership information collected October 5, 2026.