Credit union · NCUA insured
United Catholics Federal CU Auto Loan Rates
Top CarrotUnited Catholics Federal CU auto loans start at 3.75% APR for a new vehicle and 4.74% for a used one. Rates checked October 16, 2026.
How United Catholics Federal CU’s auto loan rates compare
Compared with banks and credit unions near Los Angeles, CA, where United Catholics Federal CU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
United Catholics Federal CU
3.75%APR
- Terms
- up to 84 months
- Discount
- Included in the rate
New Auto (Years 2024 and Newer)
Lowest rate
Downey Federal Credit Union
3.49%APR
- Terms
- —
- Discount
- None included
3rd-lowest rate
Rancho Federal Credit Union
3.84%APR
- Terms
- —
- Discount
- None included
United Catholics Federal CU auto loan score
88
Auto loan score
Higher than 84% of U.S. banks and credit unions
- New vehicleNew3.75%
- Used vehicleUsed4.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where United Catholics Federal CU 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 (Years 2024 and Newer)
Up to 100% financing of MSRP or purchase price (whichever is less), which may include tax, license, documentation fees, Mechanical Repair Coverage, and GAP. Dealer purchase or refinance. Rate includes up to 0.50% discount (0.25% for automatic payment transfer/ACH/payroll deduction and 0.25% for direct deposit). Rates and terms vary based on credit history, loan amount, and underwriting factors.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 3.75% | Includes maximum 0.50% discount (0.25% for automatic payment transfer/ACH/payroll deduction and 0.25% for direct deposit). Rate is subject to terms up to 84 months. |
Sources (2)
- unitedcatholicsfcu.org/product…/loans/new-and-used-auto
- unitedcatholicsfcu.org/rates/consumer-loan-rates
All captured Oct 7, 2026
Used Auto (Years 2012 - 2017)
Up to 100% financing of NADA Suggested Retail Value or purchase price (whichever is less), which may include tax, license, documentation fees, Mechanical Repair Coverage, and GAP. Dealer purchase, private party, lease buyout, or refinance. Rate includes up to 0.50% discount (0.25% for automatic payment transfer/ACH/payroll deduction and 0.25% for direct deposit). Rates and terms vary based on credit history, loan amount, and underwriting factors.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 5.74% | Includes maximum 0.50% discount (0.25% for automatic payment transfer/ACH/payroll deduction and 0.25% for direct deposit). Rate is subject to terms up to 72 months. |
Sources (2)
- unitedcatholicsfcu.org/product…/loans/new-and-used-auto
- unitedcatholicsfcu.org/rates/consumer-loan-rates
All captured Oct 7, 2026
Used Auto (Years 2018 - 2023)
Up to 100% financing of NADA Suggested Retail Value or purchase price (whichever is less), which may include tax, license, documentation fees, Mechanical Repair Coverage, and GAP. Dealer purchase, private party, lease buyout, or refinance. Rate includes up to 0.50% discount (0.25% for automatic payment transfer/ACH/payroll deduction and 0.25% for direct deposit). Rates and terms vary based on credit history, loan amount, and underwriting factors.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.74% | Includes maximum 0.50% discount (0.25% for automatic payment transfer/ACH/payroll deduction and 0.25% for direct deposit). Rate is subject to terms up to 84 months. |
Sources (2)
- unitedcatholicsfcu.org/product…/loans/new-and-used-auto
- unitedcatholicsfcu.org/rates/consumer-loan-rates
All captured Oct 7, 2026
Who can join United Catholics Federal CU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Parishioners, staff, and affiliated members of served parishes and religious organizations are eligible for membership.
Military, government and schools
- Students, affiliated staff, and members affiliated with served schools are eligible for membership.
Family and household
- Family members of qualifying individuals are eligible for membership.
Membership information collected October 5, 2026.