Credit union · NCUA insured
Wheelhouse Credit Union Auto Loan Rates
Top CarrotWheelhouse Credit Union auto loans start at 4.24% APR for a new vehicle and 4.24% for a used one. Rates checked October 16, 2026.
How Wheelhouse Credit Union’s auto loan rates compare
Compared with banks and credit unions near San Diego, CA, where Wheelhouse Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Wheelhouse Credit Union
4.24%APR
- Terms
- up to 66 months
- Discount
- Included in the rate
Auto Loans (2023 & Newer)
2nd-lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
- Discount
- None included
3rd-lowest rate
Certified Federal Credit Union
4.49%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Wheelhouse Credit Union auto loan score
87
Auto loan score
Higher than 80% of U.S. banks and credit unions
- New vehicleNew4.24%
- Used vehicleUsed4.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Wheelhouse 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 (2019 - 2022)
Membership is required. Subject to credit and collateral approval. Rates are determined based on credit-worthiness and applicable discounts.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.99% | Standard APR as low as for terms up to 48 months. Valid for model years 2019 - 2022. |
| up to 48 months | 4.99% | Discounted rate includes discounts for using auto buying service New Cars Inc. (NCI), purchasing any two (2) ancillary products (0.25% discount), and setting up automatic loan payments from an Inspired Checking Account (0.25% discount). Valid for model years 2019 - 2022. |
| up to 66 months | 6.24% | Standard APR as low as for terms up to 66 months. Valid for model years 2019 - 2022. |
| up to 66 months | 5.24% | Discounted rate includes discounts for using auto buying service New Cars Inc. (NCI), purchasing any two (2) ancillary products (0.25% discount), and setting up automatic loan payments from an Inspired Checking Account (0.25% discount). Valid for model years 2019 - 2022. |
| 67–75 months | 6.74% | Standard APR as low as for terms 67-75 months. Valid for model years 2019 - 2022. |
| 67–75 months | 5.99% | Discounted rate includes discounts for using auto buying service New Cars Inc. (NCI), purchasing any two (2) ancillary products (0.25% discount), and setting up automatic loan payments from an Inspired Checking Account (0.25% discount). Valid for model years 2019 - 2022. |
| 76–84 months | 7.49% | Standard APR as low as for terms 76-84 months. Valid for model years 2019 - 2022. |
| 76–84 months | 6.74% | Discounted rate includes discounts for using auto buying service New Cars Inc. (NCI), purchasing any two (2) ancillary products (0.25% discount), and setting up automatic loan payments from an Inspired Checking Account (0.25% discount). Valid for model years 2019 - 2022. |
Sources (2)
All captured Oct 7, 2026
Auto Loans (2023 & Newer)
Membership is required. Subject to credit and collateral approval. Rates are determined based on credit-worthiness and applicable discounts.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.99% | Standard APR as low as for terms up to 48 months. |
| up to 48 months | 3.99% | Discounted rate includes discounts for purchasing a new vehicle from auto buying service New Cars Inc. (NCI) and financing with Wheelhouse Credit Union (0.50% discount), purchasing any two (2) ancillary products (0.25% discount), and setting up automatic loan payments from an Inspired Checking Account (0.25% discount). |
| up to 66 months | 5.24% | Standard APR as low as for terms up to 66 months. |
| up to 66 months | 4.24% | Discounted rate includes discounts for purchasing a new vehicle from auto buying service New Cars Inc. (NCI) and financing with Wheelhouse Credit Union (0.50% discount), purchasing any two (2) ancillary products (0.25% discount), and setting up automatic loan payments from an Inspired Checking Account (0.25% discount). |
| 67–75 months | 5.74% | Standard APR as low as for terms 67-75 months. |
| 67–75 months | 4.99% | Discounted rate includes discounts for purchasing a new vehicle from auto buying service New Cars Inc. (NCI) and financing with Wheelhouse Credit Union (0.25% discount), purchasing any two (2) ancillary products (0.25% discount), and setting up automatic loan payments from an Inspired Checking Account (0.25% discount). |
| 76–84 months | 6.49% | Standard APR as low as for terms 76-84 months. |
| 76–84 months | 5.74% | Discounted rate includes discounts for purchasing a new vehicle from auto buying service New Cars Inc. (NCI) and financing with Wheelhouse Credit Union (0.25% discount), purchasing any two (2) ancillary products (0.25% discount), and setting up automatic loan payments from an Inspired Checking Account (0.25% discount). |
Sources (2)
All captured Oct 7, 2026
Who can join Wheelhouse Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.