Credit union · NCUA insured
United Local Credit Union Auto Loan Rates
United Local Credit Union auto loans start at 4.59% APR for a new vehicle and 6.79% for a used one. Rates checked October 16, 2026.
How United Local Credit Union’s auto loan rates compare
Compared with banks and credit unions near Fresno, CA, where United Local Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
United Local Credit Union
4.59%APR
- Terms
- up to 84 months
- Up to
- —
New Auto/Truck
Lowest rate
Pacific Service Credit Union
4.24%APR
- Terms
- up to 84 months
- Up to
- 15.99% APR
2nd-lowest rate
Noble Credit Union
4.35%APR
- Terms
- up to 60 months
- Up to
- —
United Local Credit Union auto loan score
82
Auto loan score
Higher than 60% of U.S. banks and credit unions
- New vehicleNew4.59%
- Used vehicleUsed6.79%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where United Local 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/Truck
Finance up to 100% of purchase price plus tax and warranty. Rates, amount financed, and term are based on vehicle age and credit qualifications. Actual rate may vary.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.59% | Up to 84 months. Qualifying conditions apply; actual rate may vary based on credit qualification, vehicle age, and amount financed. |
Sources (1)
- unitedlocal.org/loans/auto-loans · captured Oct 7, 2026
New Motorcycles
Rates based on credit qualification, vehicle age, and amount financed. Actual rate may vary.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 7.69% | Up to 60 months. Qualifying conditions apply; actual rate may vary based on credit qualification, vehicle age, and amount financed. |
Sources (1)
- unitedlocal.org/loans/auto-loans · captured Oct 7, 2026
Used Auto/Truck
Multiple used-car loan programs available for purchases from dealers or individuals. Rates, amount financed, and term are based on vehicle age and credit qualifications. Actual rate may vary.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 6.79% | Up to 84 months. Qualifying conditions apply; actual rate may vary based on credit qualification, vehicle age, and amount financed. |
Sources (1)
- unitedlocal.org/loans/auto-loans · captured Oct 7, 2026
Used Motorcycles
Rates based on credit qualification, vehicle age, and amount financed. Actual rate may vary.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 8.69% | Up to 72 months. Qualifying conditions apply; actual rate may vary based on credit qualification, vehicle age, and amount financed. |
Sources (1)
- unitedlocal.org/loans/auto-loans · captured Oct 7, 2026
Who can join United Local Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Open to anyone who lives or works in Fresno, Madera, Tulare, Kings, or Merced Counties.
Employers and groups
- Members of any local union affiliated with the Central Labor Council are eligible for membership.
- Retail Clerks from Fresno, Madera, Tulare, Kings, Mariposa, and Merced counties are eligible for membership.
Membership information collected October 5, 2026.