Credit union · NCUA insured
Utility District Credit Union Auto Loan Rates
Utility District Credit Union auto loans start at 3.50% APR for a new vehicle and 4.25% for a used one. Rates checked October 16, 2026.
How Utility District Credit Union’s auto loan rates compare
Compared with banks and credit unions near San Francisco, CA, where Utility District Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Utility District Credit Union
3.50%APR
- Terms
- up to 60 months
- Up to
- 13.00% APR
- Discount
- None included
New Auto Loans
2nd-lowest rate
F3 Credit Union
3.74%APR
- Terms
- up to 72 months
- Up to
- —
- Discount
- Included in the rate
3rd-lowest rate
American Airlines Federal Credit Union
4.09%APR
- Terms
- 37–60 months
- Up to
- 13.14% APR
- Discount
- None included
Utility District Credit Union auto loan score
96
Auto loan score
Higher than 98% of U.S. banks and credit unions
- New vehicleNew3.50%
- Used vehicleUsed4.25%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Utility District 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.
Motorcycle Loans
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.50%–11.00% | Model year 2026-2027 |
Sources (1)
- udcu.org/loans/loan-rates · captured Oct 7, 2026
New Auto Loans
Rates based on credit score. Maximum term up to 84 months for qualified borrowers.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.25%–13.75% | Model year 2026-2027 |
| up to 72 months | 4.00%–13.50% | Model year 2026-2027 |
| up to 60 months | 3.50%–13.00% | Model year 2026-2027 |
| up to 48 months | 3.25%–12.75% | Model year 2026-2027 |
| up to 36 months | 3.00%–12.50% | Model year 2026-2027 |
Sources (3)
All captured Oct 7, 2026
Used Auto Loans
Rates based on credit score. Financing available up to 125% of vehicle value. Loan amounts based on high Blue Book value or sales price, whichever is lower. Maximum term up to 84 months for qualified borrowers.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 5.50%–15.00% | Model year 2025-2021 |
| up to 72 months | 4.50%–14.00% | Model year 2025-2015 |
| up to 60 months | 4.25%–13.75% | Model year 2025-2015 |
| up to 48 months | 3.75%–13.25% | Model year 2025-2015 |
| up to 36 months | 3.50%–13.00% | Model year 2025-2015 |
Who can join Utility District Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.