Credit union · NCUA insured
Upward Credit Union Auto Loan Rates
Top CarrotUpward Credit Union auto loans start at 4.49% APR for a new vehicle and 4.49% for a used one. Rates checked October 16, 2026.
How Upward Credit Union’s auto loan rates compare
Compared with banks and credit unions near San Francisco, CA, where Upward Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Upward Credit Union
4.49%APR
- Terms
- up to 60 months
- Up to
- 4.99% APR
- Discount
- None included
New Car, Truck, SUV
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
Upward Credit Union auto loan score
89
Auto loan score
Higher than 89% of U.S. banks and credit unions
- New vehicleNew4.49%
- Used vehicleUsed4.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Upward 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 Car, Truck, SUV
Finance up to 100% of purchase price, including tax, license, and Upward CU payment protection. Maximum loan amount is $150,000. Maximum term of 7 years available for loans over $35,000.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.99%–4.49% | Rate stated as 4.49% / 3.99%**. Special rates reflect a 0.50% discount for direct deposit into Upward CU checking or ACH automatic payments originated by Upward CU. Rates displayed are for level 1 credit scores. |
| up to 48 months | 4.24%–4.74% | Rate stated as 4.74% / 4.24%**. Special rates reflect a 0.50% discount for direct deposit into Upward CU checking or ACH automatic payments originated by Upward CU. Rates displayed are for level 1 credit scores. |
| up to 60 months | 4.49%–4.99% | Rate stated as 4.99% / 4.49%**. Special rates reflect a 0.50% discount for direct deposit into Upward CU checking or ACH automatic payments originated by Upward CU. Rates displayed are for level 1 credit scores. |
| up to 72 months | 4.74%–5.24% | Rate stated as 5.24% / 4.74%**. Special rates reflect a 0.50% discount for direct deposit into Upward CU checking or ACH automatic payments originated by Upward CU. Rates displayed are for level 1 credit scores. |
| up to 84 months | 4.99%–5.49% | Rate stated as 5.49% / 4.99%**. Special rates reflect a 0.50% discount for direct deposit into Upward CU checking or ACH automatic payments originated by Upward CU. Rates displayed are for level 1 credit scores. |
Used Car, Truck, SUV
100% of suggested retail value for dealer purchases, plus tax, license, and Upward CU payment protection. For private party purchases, Private Party Good Value, plus Upward CU insurance protection. Maximum loan amount is $150,000. Also available for purchase, refinance, or lease buyout.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.99%–4.49% | Rate stated as 4.49% / 3.99%**. Special rates reflect a 0.50% discount for direct deposit into Upward CU checking or ACH automatic payments originated by Upward CU. Rates displayed are for level 1 credit scores. |
| up to 48 months | 4.24%–4.74% | Rate stated as 4.74% / 4.24%**. Special rates reflect a 0.50% discount for direct deposit into Upward CU checking or ACH automatic payments originated by Upward CU. Rates displayed are for level 1 credit scores. |
| up to 60 months | 4.49%–4.99% | Rate stated as 4.99% / 4.49%**. Special rates reflect a 0.50% discount for direct deposit into Upward CU checking or ACH automatic payments originated by Upward CU. Rates displayed are for level 1 credit scores. |
| up to 72 months | 4.74%–5.24% | Rate stated as 5.24% / 4.74%**. Minimum loan amount of $15,000 for a 6 year term. Special rates reflect a 0.50% discount for direct deposit into Upward CU checking or ACH automatic payments originated by Upward CU. Rates displayed are for level 1 credit scores. |
| up to 84 months | 4.99%–5.49% | Rate stated as 5.49% / 4.99%**. Minimum loan amount of $35,000 for a 7 year term. Special rates reflect a 0.50% discount for direct deposit into Upward CU checking or ACH automatic payments originated by Upward CU. Rates displayed are for level 1 credit scores. |
Vehicle Title Loan
Bring in the title to your vehicle and borrow up to 50% of your vehicle's value using title as collateral for car, truck, SUV, or motorcycle.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 26.00%–26.50% | Rate stated as 26.50%/26.00%**. Special rates reflect a 0.50% discount for direct deposit into Upward CU checking account or ACH automatic payments originated by Upward Credit Union. Displayed APRs are for level 1 credit scores. |
Who can join Upward Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to individuals who live, work, or attend school in San Francisco, San Mateo, or Santa Clara counties.
Employers and groups
- Membership is open to individuals who retired from a business organization in San Francisco, San Mateo, or Santa Clara counties.
Family and household
- Membership is open to family members of current Upward Credit Union members.
Cost to join
- Opening an account or membership requires funding with $25.
Membership information collected October 5, 2026.