Credit union · NCUA insured
UNCLE Credit Union Auto Loan Rates
UNCLE Credit Union auto loans start at 4.79% APR for a new vehicle and 5.99% for a used one. Rates checked October 16, 2026.
How UNCLE Credit Union’s auto loan rates compare
Compared with banks and credit unions near San Francisco, CA, where UNCLE Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
UNCLE Credit Union
4.79%APR
- Terms
- up to 60 months
- Up to
- 19.29% APR
- Discount
- None included
New Auto (2025 or newer)
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
UNCLE Credit Union auto loan score
81
Auto loan score
Higher than 56% of U.S. banks and credit unions
- New vehicleNew4.79%
- Used vehicleUsed5.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where UNCLE 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 Auto (2025 or newer)
Actual rates are determined by vehicle model year, loan term, and credit history. Lowest rate is for direct loans and do not apply to applications originated through the Credit Union Direct (CUDL) platform.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.29%–18.79% | Lowest rate is for direct loans and do not apply to applications originated through the Credit Union Direct (CUDL) platform. |
| up to 60 months | 4.79%–19.29% | Lowest rate is for direct loans and do not apply to applications originated through the Credit Union Direct (CUDL) platform. |
| up to 72 months | 5.09%–19.59% | Lowest rate is for direct loans and do not apply to applications originated through the Credit Union Direct (CUDL) platform. |
| up to 84 months | 5.29%–19.79% | Lowest rate is for direct loans and do not apply to applications originated through the Credit Union Direct (CUDL) platform. |
| up to 96 months | 6.29%–6.79% | Lowest rate is for direct loans and do not apply to applications originated through the Credit Union Direct (CUDL) platform. |
Sources (1)
- unclecu.org/rates · captured Oct 16, 2026
Super Used Auto (2014-2019)
Actual rates are determined by vehicle model year, loan term, and credit history. Lowest rate is for direct loans and do not apply to applications originated through the Credit Union Direct (CUDL) platform.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 10.49%–11.49% | Lowest rate is for direct loans and do not apply to applications originated through the Credit Union Direct (CUDL) platform. |
Sources (1)
- unclecu.org/rates · captured Oct 16, 2026
Used Auto (2020-2024)
Actual rates are determined by vehicle model year, loan term, and credit history. Lowest rate is for direct loans and do not apply to applications originated through the Credit Union Direct (CUDL) platform.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 5.49%–21.99% | Lowest rate is for direct loans and do not apply to applications originated through the Credit Union Direct (CUDL) platform. |
| up to 60 months | 5.99%–22.49% | Lowest rate is for direct loans and do not apply to applications originated through the Credit Union Direct (CUDL) platform. |
| up to 72 months | 6.29%–22.79% | Lowest rate is for direct loans and do not apply to applications originated through the Credit Union Direct (CUDL) platform. |
| up to 84 months | 6.49%–22.99% | Lowest rate is for direct loans and do not apply to applications originated through the Credit Union Direct (CUDL) platform. |
Sources (1)
- unclecu.org/rates · captured Oct 16, 2026
Who can join UNCLE Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or go to school in Northern California counties of Alameda, Contra Costa, San Joaquin, or Stanislaus are eligible for membership.
Employers and groups
- Individuals who belong to a select local association or are employees of a member company are eligible for membership.
Other ways
- Individuals who do not fit other criteria can join UNCLE Credit Union by first becoming a member of the Financial Fitness Association.
Cost to join
- Opening an account requires an initial share deposit of $5 or more.
- There is no membership fee to join UNCLE Credit Union.
Membership information collected October 5, 2026.