Credit union · NCUA insured
USC Credit Union Auto Loan Rates
Top CarrotUSC Credit Union auto loans start at 5.19% APR for a new vehicle and 5.19% for a used one. Rates checked October 17, 2026.
How USC Credit Union’s auto loan rates compare
Compared with banks and credit unions near Los Angeles, CA, where USC Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
USC Credit Union
5.19%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Auto Loans
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
USC Credit Union auto loan score
75
Auto loan score
Higher than 40% of U.S. banks and credit unions
- New vehicleNew5.19%
- Used vehicleUsed5.19%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where USC 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.
Auto Loan Refinancing
Rates apply to 2024 or newer vehicles. Refinancing an auto loan from another lender. Up to 120% financing available. Does not apply to existing USC Credit Union Auto Loans. Membership eligibility requirements apply. No application fee.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.44% | As low as rate for 36 months based on a combined 1.00% APR in available discounts (0.25% AutoPay from USCCU checking, 0.25% active PremiumSpend checking, 0.25% Clean Energy Discount for eligible auto loans, 0.25% for refinancing an auto loan from another institution with max LTV 100%). Floor rate 4.44%. Rates apply to 2024 or newer vehicles. |
| up to 48 months | 4.69% | As low as rate for 48 months based on a combined 1.00% APR in available discounts (0.25% AutoPay from USCCU checking, 0.25% active PremiumSpend checking, 0.25% Clean Energy Discount for eligible auto loans, 0.25% for refinancing an auto loan from another institution with max LTV 100%). Floor rate 4.44%. Rates apply to 2024 or newer vehicles. |
| up to 60 months | 4.94% | As low as rate for 60 months based on a combined 1.00% APR in available discounts (0.25% AutoPay from USCCU checking, 0.25% active PremiumSpend checking, 0.25% Clean Energy Discount for eligible auto loans, 0.25% for refinancing an auto loan from another institution with max LTV 100%). Minimum loan amount $8,000. Floor rate 4.44%. Rates apply to 2024 or newer vehicles. |
| up to 72 months | 5.19% | As low as rate for 72 months based on a combined 1.00% APR in available discounts (0.25% AutoPay from USCCU checking, 0.25% active PremiumSpend checking, 0.25% Clean Energy Discount for eligible auto loans, 0.25% for refinancing an auto loan from another institution with max LTV 100%). Minimum loan amount $15,000. Floor rate 4.44%. Rates apply to 2024 or newer vehicles. |
| up to 84 months | 5.69% | As low as rate for 84 months based on a combined 1.00% APR in available discounts (0.25% AutoPay from USCCU checking, 0.25% active PremiumSpend checking, 0.25% Clean Energy Discount for eligible auto loans, 0.25% for refinancing an auto loan from another institution with max LTV 100%). Minimum loan amount $25,000. Floor rate 4.44%. Rates apply to 2024 or newer vehicles. |
Sources (2)
All captured Oct 16, 2026
Auto Loans
Rates apply to 2024 or newer vehicles. Up to 120% financing available. Does not apply to existing USC Credit Union Auto Loans. Membership eligibility requirements apply.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.69% | As low as rate for 36 months based on a combined 0.75% APR in available discounts (0.25% AutoPay from USCCU checking, 0.25% active PremiumSpend checking, 0.25% Clean Energy Discount for electric/hybrid). Floor rate 4.44%. Rates apply to 2024 or newer vehicles. |
| up to 48 months | 4.94% | As low as rate for 48 months based on a combined 0.75% APR in available discounts (0.25% AutoPay from USCCU checking, 0.25% active PremiumSpend checking, 0.25% Clean Energy Discount for electric/hybrid). Floor rate 4.44%. Rates apply to 2024 or newer vehicles. |
| up to 60 months | 5.19% | As low as rate for 60 months based on a combined 0.75% APR in available discounts (0.25% AutoPay from USCCU checking, 0.25% active PremiumSpend checking, 0.25% Clean Energy Discount for electric/hybrid). Minimum loan amount $8,000. Floor rate 4.44%. Rates apply to 2024 or newer vehicles. |
| up to 72 months | 5.44% | As low as rate for 72 months based on a combined 0.75% APR in available discounts (0.25% AutoPay from USCCU checking, 0.25% active PremiumSpend checking, 0.25% Clean Energy Discount for electric/hybrid). Minimum loan amount $15,000. Floor rate 4.44%. Rates apply to 2024 or newer vehicles. |
| up to 84 months | 5.94% | As low as rate for 84 months based on a combined 0.75% APR in available discounts (0.25% AutoPay from USCCU checking, 0.25% active PremiumSpend checking, 0.25% Clean Energy Discount for electric/hybrid). Minimum loan amount $25,000. Floor rate 4.44%. Rates apply to 2024 or newer vehicles. |
Sources (2)
All captured Oct 16, 2026
Touring Motorcycles over 1200cc, Motorcycles 1200cc or less, E-Bikes, & Other Consumer Goods
Rates apply to 2024 or newer vehicle models. Up to 100% financing available. Does not apply to existing USC Credit Union Auto Loans. Membership eligibility requirements apply. Not eligible for clean energy rate discount.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 8.69% | As low as rate for 36 months. Rates include 0.25% discount for automatic loan payments and 0.25% discount for maintaining an active PremiumSpend checking account. Applies to 2024 or newer vehicle models. |
| up to 48 months | 8.94% | As low as rate for 48 months. Rates include 0.25% discount for automatic loan payments and 0.25% discount for maintaining an active PremiumSpend checking account. Applies to 2024 or newer vehicle models. |
| up to 60 months | 9.19% | As low as rate for 60 months. Rates include 0.25% discount for automatic loan payments and 0.25% discount for maintaining an active PremiumSpend checking account. Applies to 2024 or newer vehicle models. |
| up to 72 months | 9.44% | As low as rate for 72 months. Rates include 0.25% discount for automatic loan payments and 0.25% discount for maintaining an active PremiumSpend checking account. Applies to 2024 or newer vehicle models. |
Sources (2)
All captured Oct 16, 2026
Who can join USC Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, or worship in Los Angeles County are eligible for membership.
- Individuals who live, work, or worship in Orange County are eligible for membership.
Military, government and schools
- Students enrolled in the City of Los Angeles or Orange County (Non-USC) are eligible for membership.
- USC alumni or USC Alumni Association members are eligible for membership.
- USC faculty and staff are eligible for membership.
- Enrolled USC students are eligible for membership.
1 more way to join
Family and household
- Immediate family and household members of existing members are eligible for membership.
Membership information collected October 5, 2026.