Credit union · NCUA insured
Tucoemas Federal Credit Union Auto Loan Rates
Tucoemas Federal Credit Union auto loans start at 4.50% APR for a new vehicle and 5.49% for a used one. Rates checked October 16, 2026.
How Tucoemas Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Visalia, CA, where Tucoemas Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Tucoemas Federal Credit Union
4.50%APR
- Terms
- 49–60 months
- Up to
- —
- Discount
- Included in the rate
Auto Loans (Model Year 2024 & Newer)
Lowest rate
Valley Oak Credit Union
4.50%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- None included
3rd-lowest rate
Safe 1 Credit Union
4.99%APR
- Terms
- up to 66 months
- Up to
- 14.99% APR
- Discount
- None included
Tucoemas Federal Credit Union auto loan score
67
Auto loan score
Higher than 20% of U.S. banks and credit unions
- New vehicleNew4.50%
- Used vehicleUsed5.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Tucoemas 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 (Model Year 2023 – 2011)
Rates and terms are based on credit history and creditworthiness. As low as rates include a maximum discount of 1.00% (0.25% for automatic payment, 0.25% for new TFCU checking with recurring direct deposit, 0.25% for existing members over 5 years, 0.25% for new auto with new credit card, 0.50% for Electric Vehicle loan). Not available for out-of-state purchases, salvaged titles, heavy-duty vehicles over one ton, or commercial vehicles.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.49% | Model Year 2023 – 2011. As low as rate reflects up to 1.00% discount. Flexible terms up to 60 months available when financing up to $15,000. |
| 37–48 months | 4.49% | Model Year 2023 – 2011. As low as rate reflects up to 1.00% discount. Flexible terms up to 60 months available when financing up to $15,000. |
| 49–60 months | 4.74% | Model Year 2023 – 2011. As low as rate reflects up to 1.00% discount. Flexible terms up to 60 months available when financing up to $15,000. |
| 61–72 months | 4.99% | Model Year 2023 – 2011. As low as rate reflects up to 1.00% discount. 72 months available when financing over $15,000. |
| 73–84 months | 5.49% | Model Year 2023 – 2011. As low as rate reflects up to 1.00% discount. 84 months available when financing over $20,000. |
Sources (1)
- tucoemas.org/borrow/auto-loans/new-used · captured Oct 16, 2026
Auto Loans (Model Year 2024 & Newer)
Rates and terms are based on credit history and creditworthiness. As low as rates include a maximum discount of 1.00% (0.25% for automatic payment, 0.25% for new TFCU checking with recurring direct deposit, 0.25% for existing members over 5 years, 0.25% for new auto with new credit card, 0.50% for Electric Vehicle loan). Not available for out-of-state purchases, salvaged titles, heavy-duty vehicles over one ton, or commercial vehicles.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.25% | Model Year 2024 & Newer. As low as rate reflects up to 1.00% discount. Flexible terms up to 60 months available when financing up to $15,000. |
| 37–48 months | 4.25% | Model Year 2024 & Newer. As low as rate reflects up to 1.00% discount. Flexible terms up to 60 months available when financing up to $15,000. |
| 49–60 months | 4.50% | Model Year 2024 & Newer. As low as rate reflects up to 1.00% discount. Flexible terms up to 60 months available when financing up to $15,000. |
| 61–72 months | 4.75% | Model Year 2024 & Newer. As low as rate reflects up to 1.00% discount. 72 months available when financing over $15,000. |
| 73–84 months | 5.25% | Model Year 2024 & Newer. As low as rate reflects up to 1.00% discount. 84 months available when financing over $20,000. |
Sources (1)
- tucoemas.org/borrow/auto-loans/new-used · captured Oct 16, 2026
Green Auto Loan (2018 & Newer)
Eligible vehicles are model years 2018 and newer electric and hybrid vehicles. Members enjoy a 1.00% APR reduction from standard vehicle loan rates (reflected in as-low-as rates).
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 6.00% | Eligible for model years 2018 and newer electric and hybrid vehicles. Includes 1.00% APR reduction. |
| 37–48 months | 6.00% | Eligible for model years 2018 and newer electric and hybrid vehicles. Includes 1.00% APR reduction. |
| 49–60 months | 6.25% | Eligible for model years 2018 and newer electric and hybrid vehicles. Includes 1.00% APR reduction. |
| 61–72 months | 6.50% | Eligible for model years 2018 and newer electric and hybrid vehicles. Includes 1.00% APR reduction. |
| 73–84 months | 7.00% | Eligible for model years 2018 and newer electric and hybrid vehicles. Includes 1.00% APR reduction. |
| 85–96 months | 8.75% | Eligible for model years 2018 and newer electric and hybrid vehicles. Includes 1.00% APR reduction. |
Sources (1)
- tucoemas.org/green-lending · captured Oct 16, 2026
Who can join Tucoemas 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 attend school in Tulare County, California, and businesses and other legal entities within Tulare County.
Employers and groups
- Membership is open to credit union employees, as well as their immediate family members, household members, and organizations.
Family and household
- Membership is open to surviving spouses of individuals who passed away while in the credit union's field of membership.
Cost to join
- A minimum initial deposit of $5 into a savings account is required for membership.
Membership information collected October 5, 2026.