Credit union · NCUA insured
UPS Employees Federal Credit Union Auto Loan Rates
UPS Employees Federal Credit Union auto loans start at 5.47% APR for a new vehicle and 5.47% for a used one. Rates checked October 16, 2026.
How UPS Employees Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Riverside, CA, where UPS Employees Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
UPS Employees Federal Credit Union
5.47%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
New and Used Auto Loans
Lowest rate
Thinkwise Credit Union
3.49%APR
- Terms
- up to 60 months
- Discount
- None included
2nd-lowest rate
Collegedale Credit Union
3.89%APR
- Terms
- —
- Discount
- None included
UPS Employees Federal Credit Union auto loan score
70
Auto loan score
Higher than 27% of U.S. banks and credit unions
- New vehicleNew5.47%
- Used vehicleUsed5.47%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where UPS Employees 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.
New and Used Auto Loans
Rates based on a FICO score 720 or above and subject to change. APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account. Up to 120% financing of Low Kelly Blue Book Value.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.69% | Rates as low as, based on FICO score 720 or above. Includes a 0.25% discount for automatic payment transfers and having a checking account. |
| up to 48 months | 5.25% | Rates as low as, based on FICO score 720 or above. Includes a 0.25% discount for automatic payment transfers and having a checking account. |
| up to 60 months | 5.47% | Rates as low as, based on FICO score 720 or above. Includes a 0.25% discount for automatic payment transfers and having a checking account. |
| up to 72 months | 5.79% | Rates as low as, based on FICO score 720 or above. Includes a 0.25% discount for automatic payment transfers and having a checking account. |
| up to 84 months | 6.44% | Rates as low as, based on FICO score 720 or above. Includes a 0.25% discount for automatic payment transfers and having a checking account. |
New and Used Motorcycle Loans
Rates based on a FICO score 720 or above and subject to change. APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account. Optional UPSEFCU GAP Insurance is $625. 100% Financing of Low Kelly Blue Book Value.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.49% | Rates as low as, based on FICO score 720 or above. Includes a 0.25% discount for automatic payment transfers and having a checking account. |
| up to 48 months | 6.49% | Rates as low as, based on FICO score 720 or above. Includes a 0.25% discount for automatic payment transfers and having a checking account. |
| up to 60 months | 7.49% | Rates as low as, based on FICO score 720 or above. Includes a 0.25% discount for automatic payment transfers and having a checking account. |
| up to 72 months | 8.49% | Rates as low as, based on FICO score 720 or above. Includes a 0.25% discount for automatic payment transfers and having a checking account. |
Who can join UPS Employees Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Current and retired United Parcel Service (UPS) employees are eligible for membership.
Family and household
- Immediate family members of current or retired UPS employees—including spouses, parents, grandparents, children, grandchildren, brothers, and sisters—are eligible for membership regardless of whether they live in the same household.
Cost to join
- A one-time $5 membership fee is required to become a member.
- Opening a Share Savings Account requires a $50 deposit.
Membership information collected October 5, 2026.