Auto Loans

Rates are as low as 5.74% APR* including at least one of the two available Loan Discounts shown below.
Our competitive interest rates for new & used auto loans will put you in the driver’s seat with affordable payments.


It only takes 3 steps…


APPLY today and get pre-approved.
CHOOSE the car you’ve always wanted.
DRIVE it home!


Loan TypeFinancingTerms*APR
New AutoUp to 125% of Kelley Blue Book, including tax & licenseUp to 84 monthsAs low as
6.24% *APR
Used AutoUp to 125% of Kelley Blue Book, including tax & licenseUp to 84 monthsAs low as
6.24% *APR
Basic Transportation CarUp to 125% of Kelley Blue Book, including tax & license (must be purchased from a dealership)Up to 60 monthsAs low as
5.75% *APR
Older Cars (2017 or older)Up to 125% of Kelley Blue Book, including tax & licenseUp to 60 monthsAs low as
7.00% *APR
Loan DiscountsYou can lower your rates on applicable loans up to 1.00% with the following discounts:

Auto Pay 0.50%: A regularly scheduled electronic payment such as payroll deduction, transfer from your Bay Cities checking or savings, or debit from a checking account at another financial institution.

Gas Saver 0.50%: Purchase of a new or used vehicle with an EPA mileage rating of 30 miles to the gallon highway or more, as established by, or an electric vehicle.

*APR = Annual Percentage Rate. Rates are based on your credit profile. Rates above include available discounts. Rates and terms are subject to change without notice.  A down payment may be required based on your overall credit worthiness.

We’ve partnered with the following dealerships to help make car buying simpler.


Enterprise Car SalesPurchase a used car through Enterprise and eliminate the haggling and hassles often associated with dealerships.

Cars purchased through Enterprise receive a 1% annual percentage rate discount.
575 Marina Blvd
San Leandro, CA 94577
(510) 297-0500

Preview their great selection of quality used autos at Enterprise
CarFaxReduce your risk when buying a used car by running a "background check" through CarFax. Free to you if you finance your car through us.
Kelley Blue BookKnow what it's worth before you make the investment. Kelley Blue Book is the most accepted and trusted vehicle pricing guide in the industry. Contact us to provide you with the Kelley Blue Book value of the car you've had your eye on.

Here’s a list of insurance services offered through various partners that will give you financial protection, peace of mind and possibly some cost savings.

Debt Protection Debt Protection may cancel your loan balance or payments in case of involuntary unemployment, disability or death (Life Plus). Our Life Plus protection covers a range of circumstances which include accidental dismemberment, terminal illness, hospitalization or family medical leave and death of a non-protected dependent.
Automobile Protection PlanBefore purchasing an Automobile Protection Plan or Mechanical Breakdown Insurance from the dealer, check with us for our best rate and terms available.
Guaranty Auto Protection (GAP)GAP insurance pays your remaining loan balance if your car is totaled and your insurance company doesn’t pay your balance in full.
Auto InsuranceYou may be able to save money on car insurance. Call
1-888-380-9287 or visit them online for your free quote.
The Products offered:

  • Are not federally insured
  • Are not obligations of the Credit Union
  • Are not guaranteed by the Credit Union
  • Involve investment risk
  • If applicable, are being offered by a dual employee who accepts deposits on behalf of the Credit Union and also sells non-deposit investment products on behalf of a third-party broker