Credit union · NCUA insured
Valley First Credit Union Auto Loan Rates
Valley First Credit Union auto loans start at 5.59% APR for a new vehicle and 5.59% for a used one. Rates checked October 16, 2026.
How Valley First Credit Union’s auto loan rates compare
Compared with banks and credit unions near Modesto, CA, where Valley First Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Valley First Credit Union
5.59%APR
- Terms
- up to 66 months
- Up to
- —
- Discount
- None included
Auto Loans
Lowest rate
Modesto's First
5.25%APR
- Terms
- 36–84 months
- Up to
- —
- Discount
- None included
2nd-lowest rate
ROLLING F CREDIT UNION
5.30%APR
- Terms
- up to 60 months
- Up to
- 13.60% APR
- Discount
- Included in the rate
Valley First Credit Union auto loan score
71
Auto loan score
Higher than 29% of U.S. banks and credit unions
- New vehicleNew5.59%
- Used vehicleUsed5.59%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Valley First 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 Loans
Must be a member of the credit union (requires opening a Primary Share Account/savings account with an initial $25.00 deposit plus a $5.00 one-time membership fee, total $30.00). Subject to credit approval and underwriting guidelines. Rates determined by credit history.
| Terms | APR | Conditions |
|---|---|---|
| 12–48 months | 5.49% | Rate as low as 5.49% APR for 12-48 months term. Repayment amount is $23.26 per $1,000 borrowed for 48 monthly payments at 5.49% APR. Rate determined by credit history. |
| up to 60 months | 5.59% | Repayment amount is $19.15 per $1,000 borrowed for 60 monthly payments at 5.59% APR. Rate determined by credit history. |
| up to 66 months | 5.59% | Repayment amount is $17.64 per $1,000 borrowed for 66 monthly payments at 5.59% APR. Rate determined by credit history. |
| up to 72 months | 5.79% | Repayment amount is $16.48 per $1,000 borrowed for 72 monthly payments at 5.79% APR. Rate determined by credit history. |
| up to 84 months | 5.84% | Repayment amount is $14.54 per $1,000 borrowed for 84 monthly payments at 5.84% APR. Rate determined by credit history. |
Sources (1)
- valleyfirstcu.org/auto-loans · captured Oct 7, 2026
Who can join Valley First Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.