Credit union · NCUA insured
Water and Power Community Credit Union Auto Loan Rates
Water and Power Community Credit Union auto loans start at 4.09% APR for a new vehicle and 4.84% for a used one. Rates checked October 16, 2026.
How Water and Power Community Credit Union’s auto loan rates compare
Compared with banks and credit unions near Los Angeles, CA, where Water and Power Community Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Water and Power Community Credit Union
4.09%APR
- Terms
- 37–60 months
- Discount
- Included in the rate
New Vehicle Auto Loan
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
Water and Power Community Credit Union auto loan score
88
Auto loan score
Higher than 83% of U.S. banks and credit unions
- New vehicleNew4.09%
- Used vehicleUsed4.84%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Water and Power Community 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 Vehicle Auto Loan
Rates shown include 0.90% APR loan rate discount for automatic payment from a WPCCU account (new loans only, one discount per loan; discount may end at any time). Up to 125% financing available. Individual rates may vary based on credit history. On Approved Credit (OAC). WPCCU membership required. Other restrictions may apply.
| Terms | APR | Conditions |
|---|---|---|
| 1–36 months | 3.84% | Rate includes 0.90% APR auto payment discount. |
| 37–60 months | 4.09% | Rate includes 0.90% APR auto payment discount. |
| 61–72 months | 4.59% | Rate includes 0.90% APR auto payment discount. |
| 73–84 months | 5.09% | Rate includes 0.90% APR auto payment discount. |
Sources (1)
- wpccu.org/what-you-borrow/current-rates · captured Oct 6, 2026
Used Vehicle Auto Loan
Rates shown include 0.90% APR loan rate discount for automatic payment from a WPCCU account (new loans only, one discount per loan; discount may end at any time). Terms 73 months and above are not available for used car loans with a Vantage 4.0 score 639 and below. WPCCU will not finance cars with more than 100,000 miles. For vehicles model year 2020 or older, contact credit union for rates and terms. Individual rates may vary based on credit history. Up to 125% financing available. On Approved Credit (OAC). WPCCU membership required. Other restrictions may apply.
| Terms | APR | Conditions |
|---|---|---|
| 1–36 months | 4.59% | Rate includes 0.90% APR auto payment discount. |
| 37–60 months | 4.84% | Rate includes 0.90% APR auto payment discount. |
| 61–72 months | 5.09% | Rate includes 0.90% APR auto payment discount. |
| 73–84 months | 5.54% | Rate includes 0.90% APR auto payment discount. Not available for Vantage 4.0 score 639 and below. |
Sources (1)
- wpccu.org/what-you-borrow/current-rates · captured Oct 6, 2026
Who can join Water and Power Community Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, worships, or attends school in the Counties of Los Angeles and San Bernardino is eligible for membership.
Employers and groups
- Members of the Los Angeles DWP Employees Association are eligible for membership.
Military, government and schools
- Employees and retirees of the Los Angeles Department of Water & Power are eligible for membership.
Family and household
- Family members of a current WPCCU member are eligible for membership.
Membership information collected October 5, 2026.