Credit union · NCUA insured
Valley Strong Credit Union Auto Loan Rates
Valley Strong Credit Union auto loans start at 6.49% APR for a new vehicle and 6.74% for a used one. Rates checked October 16, 2026.
How Valley Strong Credit Union’s auto loan rates compare
Compared with banks and credit unions near Bakersfield, CA, where Valley Strong Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Valley Strong Credit Union
6.49%APR
- Terms
- up to 66 months
- Up to
- 21.99% APR
New Auto Loan
Lowest rate
Desert Valleys Federal Credit Union
3.50%APR
- Terms
- up to 84 months
- Up to
- —
2nd-lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
- Up to
- —
Valley Strong Credit Union auto loan score
63
Auto loan score
Higher than 8% of U.S. banks and credit unions
- New vehicleNew6.49%
- Used vehicleUsed6.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Valley Strong 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 Auto Loan
New Auto Rates apply to model years 2025 and Newer. Rates and terms vary based on creditworthiness. No payments for first 90 days. Rate discounts available: 0.25% discount with an open Make Cents Checking Account, and 0.25% discount with a Share Savings Account open for one year or longer.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 6.24%–21.74% | Fixed rate; maximum repayment up to 48 months; minimum loan amount $10,000; estimated payment per $1,000 borrowed: $23.60 – $31.37. |
| up to 66 months | 6.49%–21.99% | Fixed rate; repayment term 66 months; minimum loan amount $10,000; estimated payment per $1,000 borrowed: $18.06 – $26.24. |
| up to 75 months | 6.74%–21.99% | Fixed rate; repayment term 75 months; minimum loan amount $15,000; estimated payment per $1,000 borrowed: $16.38 – $24.64. |
| up to 84 months | 6.99%–21.99% | Fixed rate; repayment term 84 months; minimum loan amount $25,000; estimated payment per $1,000 borrowed: $15.09 – $23.42. |
Sources (1)
- valleystrong.com/auto-loans · captured Oct 7, 2026
Used Auto Loan
Rates and terms vary based on creditworthiness. No payments for first 90 days. Rate discounts available: 0.25% discount with an open Make Cents Checking Account, and 0.25% discount with a Share Savings Account open for one year or longer.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 6.49%–22.99% | Fixed rate; maximum repayment up to 48 months; minimum loan amount $10,000; estimated payment per $1,000 borrowed: $23.71 – $32.05. |
| up to 66 months | 6.74%–23.24% | Fixed rate; repayment term 66 months; minimum loan amount $10,000; estimated payment per $1,000 borrowed: $18.17 – $26.97. |
| up to 75 months | 6.99%–23.24% | Fixed rate; repayment term 75 months; minimum loan amount $15,000; estimated payment per $1,000 borrowed: $16.50 – $25.39. |
| up to 84 months | 7.24%–23.24% | Fixed rate; repayment term 84 months; minimum loan amount $25,000; estimated payment per $1,000 borrowed: $15.21 – $24.20. |
Sources (1)
- valleystrong.com/auto-loans · captured Oct 7, 2026
Who can join Valley Strong Credit Union
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