Credit union · NCUA insured
University Credit Union Auto Loan Rates
Top CarrotUniversity Credit Union auto loans start at 4.49% APR for a new vehicle and 4.99% for a used one. Rates checked October 16, 2026.
How University Credit Union’s auto loan rates compare
Compared with banks and credit unions near Los Angeles, CA, where University Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
University Credit Union
4.49%APR
- Terms
- up to 60 months
- Discount
- None included
New Auto
Lowest rate
Downey Federal Credit Union
3.49%APR
- Terms
- —
- Discount
- None included
2nd-lowest rate
United Catholics Federal CU
3.75%APR
- Terms
- up to 84 months
- Discount
- Included in the rate
University Credit Union auto loan score
88
Auto loan score
Higher than 82% of U.S. banks and credit unions
- New vehicleNew4.49%
- Used vehicleUsed4.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where University 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.
First Time Auto Buyer - New Auto
Designed for borrowers with limited or no credit history. Lowest rates advertised are based on an established member's loan with LTV of 90% or less and assume an automatic payment discount of 0.25% from a UCU account and a 0.25% repeat borrower discount.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 7.49% | Estimated payment of $31.11 per $1,000. Assumes 0.25% automatic payment discount and 0.25% repeat borrower discount with LTV of 90% or less. |
| up to 60 months | 7.49% | Estimated payment of $20.04 per $1,000. Assumes 0.25% automatic payment discount and 0.25% repeat borrower discount with LTV of 90% or less. |
| up to 72 months | 8.49% | Estimated payment of $17.78 per $1,000. Assumes 0.25% automatic payment discount and 0.25% repeat borrower discount with LTV of 90% or less. |
Sources (2)
All captured Oct 6, 2026
First Time Auto Buyer - Used Auto (Vehicle up to ten model years old and newer)
Designed for borrowers with limited or no credit history. Applies to vehicles up to ten model years old and newer with 100,000 miles or less. Lowest rates advertised are based on an established member's loan with LTV of 90% or less and assume an automatic payment discount of 0.25% from a UCU account and a 0.25% repeat borrower discount.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 7.99% | Estimated payment of $31.34 per $1,000. Assumes 0.25% automatic payment discount and 0.25% repeat borrower discount with LTV of 90% or less. |
| up to 60 months | 7.99% | Estimated payment of $20.28 per $1,000. Assumes 0.25% automatic payment discount and 0.25% repeat borrower discount with LTV of 90% or less. |
| up to 72 months | 8.74% | Estimated payment of $17.91 per $1,000. Assumes 0.25% automatic payment discount and 0.25% repeat borrower discount with LTV of 90% or less. |
Motorcycle
Lowest rates advertised are based on an established member's loan with LTV of 90% or less and assume an automatic payment discount of 0.25% from a UCU account and a 0.25% repeat borrower discount. Rates are higher for LTV over 90% and/or terms greater than 36 months.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 10.74% | Estimated payment of $32.63 per $1,000. Assumes 0.25% automatic payment discount and 0.25% repeat borrower discount with LTV of 90% or less. |
| up to 60 months | 12.24% | Estimated payment of $22.38 per $1,000. Assumes 0.25% automatic payment discount and 0.25% repeat borrower discount with LTV of 90% or less. |
| up to 72 months | 12.49% | Estimated payment of $19.82 per $1,000. Assumes 0.25% automatic payment discount and 0.25% repeat borrower discount with LTV of 90% or less. |
Sources (2)
All captured Oct 6, 2026
New Auto
Lowest rates advertised are based on an established member's loan with LTV of 90% or less and assume an automatic payment discount of 0.25% from a UCU account and a 0.25% repeat borrower discount. Rates are higher for LTV over 90% and/or terms greater than 36 months.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.49% | Estimated payment of $29.75 per $1,000. Assumes 0.25% automatic payment discount and 0.25% repeat borrower discount with LTV of 90% or less. |
| up to 60 months | 4.49% | Estimated payment of $18.65 per $1,000. Assumes 0.25% automatic payment discount and 0.25% repeat borrower discount with LTV of 90% or less. |
| up to 72 months | 5.49% | Estimated payment of $16.34 per $1,000. Assumes 0.25% automatic payment discount and 0.25% repeat borrower discount with LTV of 90% or less. |
| up to 84 months | 6.49% | Estimated payment of $14.85 per $1,000. Assumes 0.25% automatic payment discount and 0.25% repeat borrower discount with LTV of 90% or less. |
Sources (1)
- ucu.org/resources/rates/auto-loan-rates · captured Oct 6, 2026
Used Auto (Vehicle up to ten model years old and newer)
Applies to vehicles up to ten model years old and newer with 100,000 miles or less. Lowest rates advertised are based on an established member's loan with LTV of 90% or less and assume an automatic payment discount of 0.25% from a UCU account and a 0.25% repeat borrower discount. Rates are higher for LTV over 90% and/or terms greater than 36 months.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.99% | Estimated payment of $29.97 per $1,000. Assumes 0.25% automatic payment discount and 0.25% repeat borrower discount with LTV of 90% or less. |
| up to 60 months | 4.99% | Estimated payment of $18.87 per $1,000. Assumes 0.25% automatic payment discount and 0.25% repeat borrower discount with LTV of 90% or less. |
| up to 72 months | 5.74% | Estimated payment of $16.46 per $1,000. Assumes 0.25% automatic payment discount and 0.25% repeat borrower discount with LTV of 90% or less. |
| up to 84 months | 6.74% | Estimated payment of $14.97 per $1,000. Assumes 0.25% automatic payment discount and 0.25% repeat borrower discount with LTV of 90% or less. |
Sources (2)
All captured Oct 6, 2026
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