Credit union · NCUA insured
Tulare County Federal Credit Union Auto Loan Rates
Tulare County Federal Credit Union auto loans start at 5.87% APR for a new vehicle and 6.37% for a used one. Rates checked October 16, 2026.
How Tulare County Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Visalia, CA, where Tulare County Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Tulare County Federal Credit Union
5.87%APR
- Terms
- up to 60 months
- Up to
- 18.00% APR
- Discount
- None included
New Autos (2023 and newer)
Lowest rate
Valley Oak Credit Union
4.50%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- None included
2nd-lowest rate
Tucoemas Federal Credit Union
4.50%APR
- Terms
- 49–60 months
- Up to
- —
- Discount
- Included in the rate
Tulare County Federal Credit Union auto loan score
65
Auto loan score
Higher than 14% of U.S. banks and credit unions
- New vehicleNew5.87%
- Used vehicleUsed6.37%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Tulare County 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 Starter Program
First Time Buyer Program with minimal cash down requirements and flexible approval criteria. Rate includes a 0.50% discount when enrolled in two of the following: TCFCU Checking, and automatic payment from TCFCU account or direct deposit.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 7.99% | Rates as low as 7.99% APR with terms up to 60 months. |
Sources (1)
- tularefcu.org/auto-loans · captured Oct 7, 2026
New Autos (2023 and newer)
Financing up to 100% of MSRP or Retail Kelley Blue Book plus tax, title & licensing. $0 down financing available. As low as rate includes a 0.50% discount when enrolled in two of the following: TCFCU Checking, and automatic payment from TCFCU account or direct deposit. Discounted rate may be discontinued if qualifying products are canceled. Rates not available for refinancing existing TCFCU auto loans. Rate determined based on FICO score, vehicle age, term, loan-to-value, and negative trade.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.87%–18.00% | Estimated monthly payment of $23.44 per $1,000 based on as low as rate. |
| up to 60 months | 5.87%–18.00% | Estimated monthly payment of $19.28 per $1,000 based on as low as rate. |
| up to 72 months | 5.87%–18.00% | Estimated monthly payment of $16.52 per $1,000 based on as low as rate. |
| up to 84 months | 6.62%–18.00% | Estimated monthly payment of $14.92 per $1,000 based on as low as rate. |
Used Autos (2022 and older)
Financing up to 100% of Retail Kelley Blue Book plus tax, title & licensing. $0 down financing available. As low as rate includes a 0.50% discount when enrolled in two of the following: TCFCU Checking, and automatic payment from TCFCU account or direct deposit. Discounted rate may be discontinued if qualifying products are canceled. Rates not available for refinancing existing TCFCU auto loans. Rate determined based on FICO score, vehicle age, term, loan-to-value, and negative trade.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 6.37%–18.00% | Estimated monthly payment of $23.66 per $1,000 based on as low as rate. |
| up to 60 months | 6.37%–18.00% | Estimated monthly payment of $19.51 per $1,000 based on as low as rate. |
| up to 72 months | 6.37%–18.00% | Estimated monthly payment of $16.76 per $1,000 based on as low as rate. |
| up to 84 months | 7.12%–18.00% | Estimated monthly payment of $15.16 per $1,000 based on as low as rate. |
Who can join Tulare County 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 all residents of Tulare County.
Membership information collected October 5, 2026.