Credit union · NCUA insured
Vida Federal Credit Union Auto Loan Rates
Top CarrotVida Federal Credit Union auto loans start at 4.55% APR for a new vehicle and 4.55% for a used one. Rates checked October 16, 2026.
How Vida Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Riverside, CA, where Vida Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Vida Federal Credit Union
4.55%APR
- Terms
- up to 84 months
Auto Loans
Lowest rate
Thinkwise Credit Union
3.49%APR
- Terms
- up to 60 months
2nd-lowest rate
Collegedale Credit Union
3.89%APR
- Terms
- —
Vida Federal Credit Union auto loan score
89
Auto loan score
Higher than 85% of U.S. banks and credit unions
- New vehicleNew4.55%
- Used vehicleUsed4.55%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Vida Federal 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
100% financing available. Max term of 72 months on loans up to $29,999; 84 months on loans of $30,000 or more. 90-day payment deferral available (finance charges accrue during deferral period). 0.5% rate discount for EV, hybrid, or zero-emissions vehicle. On approved credit.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.55% | As low as 4.55% APR on new and used vehicles. Reflects 0.25% discount for electronic repayment and direct deposit. Terms up to 84 months on loans of $30,000 or more (up to 72 months on loans up to $29,999). On approved credit. |
Motorcycle Loans
New and used motorcycles, terms up to 72 months. Up to 80% of purchase price on new (excluding tax and license), up to 100% of Kelley Blue Book wholesale value on used. All loans considered individually; APR depends on credit, term, and vehicle.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 6.24% | Lowest available APR, reflecting 0.25% discount for electronic repayment and direct deposit enrollment. On approved credit. |
| up to 48 months | 6.75% | Lowest available APR, reflecting 0.25% discount for electronic repayment and direct deposit enrollment. On approved credit. |
| up to 60 months | 7.00% | Lowest available APR, reflecting 0.25% discount for electronic repayment and direct deposit enrollment. On approved credit. |
| up to 72 months | 7.75% | Lowest available APR, reflecting 0.25% discount for electronic repayment and direct deposit enrollment. On approved credit. |
Sources (1)
- vidafcu.org/auto-loans · captured Oct 16, 2026
Who can join Vida Federal 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 persons who live, work (or regularly conduct business in), worship, or attend school in San Bernardino County, California.
- Membership is open to business and other legal entities, incorporated and unincorporated organizations located in, or maintaining a facility located in San Bernardino County, California.
Employers and groups
- Membership is open to individuals or businesses who participate in associations headquartered in San Bernardino County.
- Membership is open to employees of the credit union.
- Membership is open to organizations of eligible persons.
Family and household
- Membership is open to immediate family or household members of eligible persons.
3 more ways to join
Family and household
- Membership is open to spouses of persons who died while within the field of membership of the credit union.
Other ways
- Membership is open to individuals or businesses who participate in programs to alleviate poverty or distress.
- Membership is open to community volunteers.
Membership information collected October 5, 2026.