Loan Comparison Spreadsheet - Auto Update Rates
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Feel free to add credit unions at the bottom of the table. Assumes excellent credit.
Tesla's Rate:
3.99%
Other useful links:
137Questions/Suggestions:Khoa's Response:
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Multiple credit inquiries do not affect credit score in a short period of time
Rates Updated:
Tue 12/18/18 4:59:31 PM PST
Get Free Supercharging:
http://bit.ly/TeslaReferraICode
Tesla incentives by state:http://bit.ly/TeslaIncentives
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Rates updated every 4 hrs, if any issues or ideas, comment on the right side under the comment column.
How to use this sheet:
http://bit.ly/HowToLoanVideo
This loans spreadsheet:http://bit.ly/TeslaLoans
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Take this spreadsheet as a general guideline. All Credit Unions behave differently.
Add referral code to EU order
http://bit.ly/AddTeslaReferralTesla Range By Model:http://bit.ly/TeslaRange
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Enter Loan Amount Here:
$47,150$40,800$20,000Tesla Rate Match PDFhttp://bit.ly/TeslaRateMatch
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Credit UnionRate
Term
Payment 1
Payment 2
Payment 3
PayOff Date
WhereRate LinkEligibility LinkJoin Rules
Rate Lock Days
Max Financing
Comment (open edit - can also right click and add notes)
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APLFCU1.99%84$601.78$520.73$255.26Dec 2025Howard, MDhttps://www.aplfcu.org/Rateshttps://www.aplfcu.org/Join-APL-FCUStrict30100%
Live, work attend school or conduct business in Howard County, Maryland OR have a family member who is a member.
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CarolinaCoopCU2.50%84$612.44$529.96$259.78Dec 2025Gaston, NChttps://www.carolinacoopcu.com/Rates.htmhttps://www.carolinacoopcu.com/membership.htmOpen30100%
Apply for loan first then join the org and credit union after approval. Email/mail in application so plan accordingly, Join NCCC for $20 https://www.ncconsumer.org/membership/join-now-charge.html - 2.25 is only available if you have a direct deposit with them
https://www.carolinacoopcu.com/Consumer%20Loan%20App%205-16.pdf
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ParkViewFCU2.74%84$617.50$534.33$261.93Dec 2025
Harrisonburg, VA
https://www.pvfcu.org/rates/https://www.pvfcu.org/membership/Strict60130%
Live in Harrisonburg, VA or if you're a VA resident, become a member to https://friendlycity.coop for $200 or $25/mo
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LAFinancialCU2.74%84$617.50$534.33$261.93Dec 2025LA - CA, AZhttps://www.lafinancial.org/borrow/vehicle-loans/vehicle-loan-rates/
https://www.lafinancial.org/join-us/
Strict30100%
County residency requirements. You can add 6 months to the original loan term for the same rate if you purchase GAP for $499. Doing so also gives you a $1000 discount on future auto loans w/them. Need 800+ credit to qualify for this rate. Verified w/Luis 10/29/18
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ClearpathFCU2.99%84$622.79$538.92$264.18Dec 2025Southern CAhttps://www.clearpathfcu.org/vehicleloanrates.html
https://www.clearpathfcu.org/whocanjoin.html
Strict60125%
Qualify by being an employee of a select employer they work with, OR by making a one-time $5 contribution to our charitable organization AND living in Southern California. They're short staffed so please be patient. Sketchy yelp reviews: https://www.yelp.com/biz/clearpath-federal-credit-union-glendale
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WescomCU3.24%84$628.12$543.53$266.43Dec 2025Southern CAhttps://www.wescom.org/rates/auto-loan-rates.asphttps://www.wescom.org/about/how-to-open-wescom-account.aspStrict130%
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CampbellCU3.25%84$628.33$543.71$266.53Dec 2025NJ, PA, DEhttp://www.campbellcu.org/about-us/rates/http://www.campbellcu.org/about-us/membership/StrictFree to join ACC
Update 10/31:there is a mile radius limit to join the ACC. I'm in Maryland, was not able to join ACC out of radius. Response: There must be a misunderstanding, I don't see any radius limits - https://www.americanconsumercouncil.org/membership.asp
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Star One3.30%84$629.40$544.64$266.98Dec 2025
Santa Clara, CA
https://www.starone.org/loans/car/new/https://www.starone.org/membership/who-can-join/Strict100%
Up to 7 years loan repayment and great prices
https://www.starone.org/loans/car/tesla-financing/
Resident of california with credit union association or AARP qualifies
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ActorsFCU3.74%84$638.86$552.82$270.99Dec 2025Artistshttps://actorsfcu.com/loans/autohttps://www.actorsfcu.com/about-us/actors-federal-credit-unionStrict100%
Dancers over 40 membership qualifies (they reply less than 24 hrs) http://www.dancersover40.org/join.shtml; 11/1 CU has caught on to people joining dancers over 40 to use rates, dancers over 40 is scrutinizing new members
Indeed, ACC costs 8$ for Month or 15$ for lifetime. It's not FREE. I've emailed CU, but haven't got a reply. The website doesn't make mention that we are allowed outside of NJ,DE,PN of joining even with ACC membership. NO response in 24 hours from lending team.
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Stanford FCU3.74%84$638.86$552.82$270.99Dec 2025CAhttps://www.sfcu.org/personal/loans/auto/https://oao.sfcu.org/#/applicationStrict30100%
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Allegacy3.74%84$638.86$552.82$270.99Dec 2025UShttps://www.allegacy.org/rates/https://www.allegacy.org/join/Open60100%
https://www.allegacy.org/join/
The $10 donation is part of the joining online process - Only offers 90% loan-to-value on Teslas
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FedChoice3.90%84$642.32$555.81$272.46Dec 2025
Washington DC
https://www.fedchoice.org/rates/?RateId=54https://www.fedchoice.org/join/membership-eligibility/Strict30125%
2.90% if you're a new member (must be in DC-Metro, Baltimore, Philadelphia Areas)
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Caltech EFCU3.95%84$643.40$556.75$272.92Dec 2025Pasadena, CAhttps://www.caltechefcu.org/home/products/lending/vehiclehttps://www.caltechefcu.org/home/membership/eligibilityStrict100%
Caltech & JPL students/alumni/employees.
https://teslamotorsclub.com/tmc/posts/2557347/
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Financial Plus3.99%84$644.27$557.50$273.28Dec 2025Des Moines, IAhttps://www.financialpluscu.com/index.cfm?nodeID=70319&audienceID=1https://www.financialpluscu.com/en/learn/member_benefits/how_to_join/Strict100%
Requires Savings/Checking account and minimum 780 credit score. .5% Discount for auto debit https://www.financialpluscu.com/index.cfm?nodeID=65890&audienceID=1
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DMCU4.00%84$644.48$557.69$273.38Dec 2025MIhttps://dmcu.com/rates/https://forms.joinmycu.com/mop/166/newmember/eligibilityStrict
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Delta Community4.18%84$648.40$561.07$275.04Dec 2025Atlanta Areahttps://www.deltacommunitycu.com/personal/loans/vehicle-loans/car-loans.aspxhttps://www.deltacommunitycu.com/personal/eligibility.aspxOpen30100%Join org for $75https://piag.org/join-today/application/
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MCU4.45%84$654.30$566.18$277.54Dec 2025NY, NJ, CT, PAhttp://www.nymcu.org/rates/mcu-auto-rates.aspxhttp://www.nymcu.org/join/whocanjoin.aspxStrict125%
Other terms available, must meet NYC resident or other criteria; has .5% discount for auto pay
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WheelhouseCU4.49%84$655.17$566.94$277.91Dec 2025San Diego, CAhttps://www.wheelhousecu.com/home/rates/autoshttps://ws.loanspq.com/consumer/v2/login/landing.aspx?enc2=CjDDGQgp6ViDEpMSQAmj1J7L372KaaRDo4KMNtUdlXBvtVwOuXwjJxa9MdCJWB1vqli-FAjpnPAPrZkRIx7-2YSSONm3NWOphahA0Tfh2wN8Ab6DKQIq5_qVmLJaE_AiStrict45120%
If outside of SD, must purchase Curator's Club from San Diego zoo $350
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AndrewsFCU4.49%84$655.17$566.94$277.91Dec 2025MD, DC & VAhttps://www.andrewsfcu.org/personal/loans-and-credit/vehicle-loans.htmlhttps://www.andrewsfcu.org/join-andrews-federal-credit-union.htmlOpen120%
Donate $8 to ACC to join. You can join the American Consumer Council at no charge. Just use promo code "Andrews".
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California CU4.89%84$663.98$574.56$281.65Dec 2025CAhttps://www.ccu.com/rates/auto-loan-rateshttps://app.loanspq.com/xa/xpressApp.aspx?lenderref=Northlandfcu82416&type=1&noencrypt=&l=1Strict3090%
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TechCU4.99%84$666.19$576.47$282.58Dec 2025SF Bay Areahttps://www.techcu.com/Personal/Loans-and-Lines/Auto-Loans/Tesla-Auto-Financing/https://join.techcu.com/oflows/web/prodstart.seam?page=eligibility&prod=checking_basicOpen60100%Join an org for $8http://financialfitnessassociation.org/join-now/
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APLFCU1.99%72$695.28$601.64$294.92Dec 2024Howard, MDhttps://www.aplfcu.org/Rateshttps://www.aplfcu.org/Join-APL-FCUStrict30100%
Live, work attend school or conduct business in Howard County, Maryland OR have a family member who is a member.
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EECU2.18%72$699.22$605.05$296.59Dec 2024Fresno, CAhttps://www.myeecu.org/home/products/rates/vehicle-loanshttps://www.myeecu.org/home/about-eecu/about-membershipStrict100%
Must be titled in California. Max loan amount 20K. Must work in their school district, or have family ties to someone that is to open an account.
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ParkViewFCU2.49%72$705.67$610.64$299.33Dec 2024
Harrisonburg, VA
https://www.pvfcu.org/rates/https://www.pvfcu.org/membership/Strict60130%
Live in Harrisonburg, VA or if you're a VA resident, become a member to https://friendlycity.coop for $200 or $25/mo. "A+" credit gets you 2.49% rate. "A" gets you 2.99%.
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LAFinancialCU2.49%72$705.67$610.64$299.33Dec 2024LA - CA, AZhttps://www.lafinancial.org/borrow/vehicle-loans/vehicle-loan-rates/
https://www.lafinancial.org/join-us/
Strict30100%
County residency requirements. You can add 6 months to the original loan term for the same rate if you purchase GAP for $499. Doing so also gives you a $1000 discount on future auto loans w/them. Verified w/Luis 10/29/18
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CarolinaCoopCU2.50%72$705.88$610.82$299.42Dec 2024Gaston, NChttps://www.carolinacoopcu.com/Rates.htmhttps://www.carolinacoopcu.com/membership.htmOpen30100%
Apply for loan first then join the org and credit union after approval. Email/mail in application so plan accordingly, Join NCCC for $20 https://www.ncconsumer.org/membership/join-now-charge.html - 2.25 is only available if you have a direct deposit with them
https://www.carolinacoopcu.com/Consumer%20Loan%20App%205-16.pdf
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WescomCU2.74%72$710.91$615.17$301.55Dec 2024So Calhttps://www.wescom.org/rates/auto-loan-rates.asphttps://www.wescom.org/about/how-to-open-wescom-account.aspStrict130%
Rate includes .5% discount for new members and .25% if you auto pay from the CU's checking.
The .5% rate discount goes away if you don't reach signature member status in 90-120 days. Not easy to reach that status.
35
HickamFCU2.74%72$710.91$615.17$301.55Dec 2024Oahu, HI
https://www.hickamfcu.org/resources-security/rates
https://www.hickamfcu.org/membership/membership/membership-eligibilityStrict120%
1% discount for EVs stated here: https://www.hickamfcu.org/loans-credit/vehicle-loans/auto-loans
36
OrionFCU2.74%72$710.91$615.17$301.55Dec 2024TN, MS, ARhttps://orionfcu.com/rates/https://orionfcu.com/about-us/membership/Strict
37
CampbellCU2.75%72$711.12$615.35$301.64Dec 2024NJ, PA, DEhttp://www.campbellcu.org/about-us/rates/http://www.campbellcu.org/about-us/membership/Strict
I was also informed their were radius limits to a tri-state area when I called in on 10/30, and as such they would not accept an application for MN resident
10/30/18 Definitely not stale - I approved last week for 1.9/60 or 2.4/72 with A+ credit rating.
Update 10/31:there is a mile radius limit to join the ACC. I'm in Maryland, was not able to join ACC out of radius. Response: There must be a misunderstanding, I don't see any radius limits - https://www.americanconsumercouncil.org/membership.asp
38
ChadwickFCU2.80%72$712.17$616.26$302.09Dec 2024MA, RIhttp://www.chadwickfcu.com/rates/loan-rates/Strict90100%
Must be a member of FMGlobal to join the CU
39
FedChoice2.90%72$714.27$618.08$302.98Dec 2024
Washington DC
https://www.fedchoice.org/rates/?RateId=54https://www.fedchoice.org/join/membership-eligibility/Strict30125%
2.25% if you're a new member (must be in DC-Metro, Baltimore, Philadelphia Areas)
40
ClearpathFCU2.99%72$716.17$619.72$303.78Dec 2024Southern CAhttps://www.clearpathfcu.org/vehicleloanrates.html
https://www.clearpathfcu.org/whocanjoin.html
Strict60125%
Qualify by being an employee of a select employer they work with, OR by making a one-time $5 contribution to our charitable organization AND living in Southern California. They're short staffed so please be patient. Sketchy yelp reviews: https://www.yelp.com/biz/clearpath-federal-credit-union-glendale
41
GreaterIACU3.19%72$720.40$623.38$305.58Dec 2024IAhttps://www.greateriowacu.org/personal/borrowing/loan-rates/https://www.greateriowacu.org/belong/membership/membership-eligibility/Strict30100%
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ActorsFCU3.24%72$721.46$624.29$306.03Dec 2024Artistshttps://actorsfcu.com/loans/autohttps://www.actorsfcu.com/about-us/actors-federal-credit-unionStrict100%
$35 - Dancers over 40 membership qualifies (they reply less than 24 hrs -- you don't have to be over 40 to be a friend of the club) http://www.dancersover40.org/join.shtml; 10/16/18: Denied after becoming a member of Dancers over 40
43
TowerFCU3.24%72$721.46$624.29$306.03Dec 2024UShttps://www.towerfcu.org/borrow/loan-rates/https://www.towerfcu.org/membership/eligibility/Open60125%
Donate $35 to their foundation to join, did not honor website APR and declined loan with 760 credit score. Declined my app with almost 800 credit score due to "fraud concerns" when no other CU has had an issue. // Ryan (reddit): I have a score of 828 and they would only finance up to $40k for me. 2.74% rate not available for Tesla, add 0.25%
44
WheelhouseCU3.24%72$721.46$624.29$306.03Dec 2024San Diego, CAhttps://www.wheelhousecu.com/home/rates/autoshttps://ws.loanspq.com/consumer/v2/login/landing.aspx?enc2=CjDDGQgp6ViDEpMSQAmj1J7L372KaaRDo4KMNtUdlXBvtVwOuXwjJxa9MdCJWB1vqli-FAjpnPAPrZkRIx7-2YSSONm3NWOphahA0Tfh2wN8Ab6DKQIq5_qVmLJaE_AiStrict45120%
If outside of SD, must purchase Curator's Club from San Diego zoo $350
45
California CU3.39%72$724.64$627.05$307.38Dec 2024CAhttps://www.ccu.com/rates/auto-loan-rateshttps://apply.ccu.com/Consumer/Xpress/public/Disclosure.aspxStrict3090%
6/18/18 Was able to get 55k @ 2.39% for 72 months, apply for loan directly, don't apply for account first2
46
Allegacy3.39%72$724.64$627.05$307.38Dec 2024UShttps://www.allegacy.org/rates/https://app.loanspq.com/xa/xpressApp.aspx?lenderref=Northlandfcu82416&type=1&noencrypt=&l=1Open60100%
The $10 donation is part of the joining online process - we 100% loan value available
https://www.allegacy.org/join/
47
MCU3.45%72$725.91$628.15$307.92Dec 2024NY, NJ, CT, PAhttp://www.nymcu.org/rates/mcu-auto-rates.aspxhttp://www.nymcu.org/join/whocanjoin.aspxStrict125%
48
AndrewsFCU3.49%72$726.76$628.89$308.28Dec 2024MD, DC & VAhttps://www.andrewsfcu.org/personal/loans-and-credit/vehicle-loans.htmlhttps://www.andrewsfcu.org/join-andrews-federal-credit-union.htmlOpen120%
Donate $8 to ACC to join. You can join the American Consumer Council at no charge. Just use promo code "Andrews".
49
DMCU3.49%72$726.76$628.89$308.28Dec 2024MIhttps://dmcu.com/rates/https://forms.joinmycu.com/mop/166/newmember/eligibilityStrict
50
MerrimackValleyCU
3.64%72$729.96$631.65$309.63Dec 2024MA, NHhttps://www.mvcu.com/loan-rateshttps://www.mvcu.com/who-can-joinStrict
51
Delta Community3.68%72$730.82$632.39$310.00Dec 2024Atlanta Areahttps://www.deltacommunitycu.com/personal/loans/vehicle-loans/car-loans.aspxhttps://www.deltacommunitycu.com/personal/eligibility.aspxOpen30100%Join org for $75https://piag.org/join-today/application/
52
Stanford FCU3.74%72$732.10$633.50$310.54Dec 2024CAhttps://www.sfcu.org/personal/loans/auto/https://oao.sfcu.org/#/applicationStrict30100%
Free membership for any CA Resident
https://www.sfcu.org/friends-of-palo-alto-library-fopal/
53
PasadenaFCU4.24%72$742.84$642.79$315.10Dec 2024Pasadena, CAhttp://pfcu.org/AutoRates.aspxhttp://pfcu.org/HowToJoin.aspxOpen30100%
Donate $25 to their org, for the 1.99% rate this requires loan payments to be transferred from a Pasadena FCU checking account, otherwise the rate will be 2.99%. They don't need direct deposit just automatic transfers from their checking account.
54
TechCU4.24%72$742.84$642.79$315.10Dec 2024SF Bay Areahttps://www.techcu.com/Personal/Loans-and-Lines/Auto-Loans/Tesla-Auto-Financing/https://join.techcu.com/oflows/web/prodstart.seam?page=eligibility&prod=checking_basicOpen60100%Join an org for $8http://financialfitnessassociation.org/join-now/
56
HickamFCU1.74%60$821.08$710.50$348.29Dec 2023Oahu, HI
https://www.hickamfcu.org/resources-security/rates
https://www.hickamfcu.org/membership/membership/membership-eligibilityStrict120%
1% discount for EVs stated here: https://www.hickamfcu.org/loans-credit/vehicle-loans/auto-loans
57
SharonviewFCU1.99%60$826.23$714.95$350.47Dec 2023
SC, NC, TN, VA
https://www.sharonview.org/resources/rates-fees/loan-rateshttps://www.sharonview.org/resources/join-us/eligibilityOpen30100%
Join hobby farmers of america for $20 // Hobby Farmers of America join form appears to be dead, use Charlotte Folk Society for $35 instead. Update: Applied and got a 2.99% rate with a 821 score; 10% down. Not sure why, will inquire. // 30Nov - 750 credit score - 1.99% - applied online before opening membership - called me 4 hours later approved // 7 Dec - seems consistent, I was told 800+ for 1.99% rate; at 790 I was quoted 2.99% // Dec 10- Applied for loan 800+ score 2.74% 72 M must make 10% down
58
APLFCU1.99%60$826.23$714.95$350.47Dec 2023Howard, MDhttps://www.aplfcu.org/Rateshttps://www.aplfcu.org/Join-APL-FCUStrict30100%
Live, work attend school or conduct business in Howard County, Maryland OR have a family member who is a member.
59
ClearpathFCU1.99%60$826.23$714.95$350.47Dec 2023Southern CAhttps://www.clearpathfcu.org/vehicleloanrates.html
https://www.clearpathfcu.org/whocanjoin.html
Strict60125%
Qualify by being an employee of a select employer they work with, OR by making a one-time $5 contribution to our charitable organization AND living in Southern California. They're short staffed so please be patient. Sketchy yelp reviews: https://www.yelp.com/biz/clearpath-federal-credit-union-glendale
60
EECU2.18%60$830.15$718.35$352.13Dec 2023Fresno, CAhttps://www.myeecu.org/home/products/rates/vehicle-loanshttps://www.myeecu.org/home/about-eecu/about-membershipStrict100%
61
ChadwickFCU2.24%60$831.39$719.42$352.66Dec 2023MA, RIhttp://www.chadwickfcu.com/rates/loan-rates/Strict90100%
62
LAFinancialCU2.24%60$831.39$719.42$352.66Dec 2023LA - CA, AZhttps://www.lafinancial.org/borrow/vehicle-loans/vehicle-loan-rates/
https://www.lafinancial.org/join-us/
Strict30100%
County residency requirements. You can add 6 months to the original loan term for the same rate if you purchase GAP for $499. Doing so also gives you a $1000 discount on future auto loans w/them. Verified w/Luis 10/29/18
63
ParkViewFCU2.24%60$831.39$719.42$352.66Dec 2023
Harrisonburg, VA
https://www.pvfcu.org/rates/https://www.pvfcu.org/membership/Strict60130%
Live in Harrisonburg, VA or if you're a VA resident, become a member to https://friendlycity.coop for $200 or $25/mo
64
WescomCU2.24%60$831.39$719.42$352.66Dec 2023Southern CAhttps://www.wescom.org/rates/auto-loan-rates.asphttps://www.wescom.org/about/how-to-open-wescom-account.aspStrict130%
Rate includes .5% discount for new members and .25% if you auto pay from the CU's checking.
65
CampbellCU2.25%60$831.60$719.60$352.75Dec 2023NJ, PA, DEhttp://www.campbellcu.org/about-us/rates/http://www.campbellcu.org/about-us/membership/StrictFree to join ACC
Live in NJ, approved @2.25% 11/29/2018, excellent credit. They were fast and efficient. Branch is 0.5 miles from Cherry Hill delivery center. Need to open account first, have to do through mail or in person. Worked with ACC, was free for me as well. Once a member, apply for loan online. Christine the loan rep was great, very friendly and efficient.
10/30/18 Definitely not stale - I approved last week for 1.9/60 or 2.4/72 with A+ credit rating.
Update 10/31:there is a mile radius limit to join the ACC. I'm in Maryland, was not able to join ACC out of radius. Response: There must be a misunderstanding, I don't see any radius limits - https://www.americanconsumercouncil.org/membership.asp
66
MCU2.45%60$835.75$723.19$354.51Dec 2023NY, NJ, CT, PAhttp://www.nymcu.org/rates/mcu-auto-rates.aspxhttp://www.nymcu.org/join/whocanjoin.aspxStrict125%
Other terms available, must meet NYC resident or other criteria; has .5% discount for auto pay
67
Financial Plus2.49%60$836.58$723.91$354.86Dec 2023Des Moines, IAhttps://www.financialpluscu.com/index.cfm?nodeID=70319&audienceID=1https://www.financialpluscu.com/en/learn/member_benefits/how_to_join/Strict100%
Requires Savings/Checking account and minimum 780 credit score. .5% Discount for auto debit https://www.financialpluscu.com/index.cfm?nodeID=65890&audienceID=1
68
OrionFCU2.49%60$836.58$723.91$354.86Dec 2023TN, MS, ARhttps://orionfcu.com/rates/https://orionfcu.com/about-us/membership/Strict
69
CarolinaCoopCU2.50%60$836.79$724.09$354.95Dec 2023Gaston, NChttps://www.carolinacoopcu.com/Rates.htmhttps://www.carolinacoopcu.com/membership.htmOpen30100%
Apply for loan first then join the org and credit union after approval. Email/mail in application so plan accordingly, Join NCCC for $20 https://www.ncconsumer.org/membership/join-now-charge.html - 2.25 is only available if you have a direct deposit with them
https://www.carolinacoopcu.com/Consumer%20Loan%20App%205-16.pdf
70
WheelhouseCU2.74%60$841.79$728.42$357.07Dec 2023San Diego, CAhttps://www.wheelhousecu.com/home/rates/autoshttps://ws.loanspq.com/consumer/v2/login/landing.aspx?enc2=CjDDGQgp6ViDEpMSQAmj1J7L372KaaRDo4KMNtUdlXBvtVwOuXwjJxa9MdCJWB1vqli-FAjpnPAPrZkRIx7-2YSSONm3NWOphahA0Tfh2wN8Ab6DKQIq5_qVmLJaE_AiStrict45120%
If outside of SD, must purchase Curator's Club from San Diego zoo $350
71
FedChoice2.75%60$842.00$728.60$357.16Dec 2023
Washington DC
https://www.fedchoice.org/rates/?RateId=54https://www.fedchoice.org/join/membership-eligibility/Strict30125%
2.25% if you're a new member (must be in DC-Metro, Baltimore, Philadelphia Areas)
72
Allegacy2.94%60$845.97$732.04$358.84Dec 2023UShttps://www.allegacy.org/rates/https://www.allegacy.org/join/Open60100%
The $10 donation is part of the joining online process - website says 100% loan value available
https://www.allegacy.org/join/
73
SikorskyCU2.99%60$847.01$732.94$359.28Dec 2023CThttps://www.sikorskycu.org/Learn/Information/Rateshttps://www.sikorskycu.org/Connect/Join/Become-a-MemberStrict100%
74
AspireFCU2.99%60$847.01$732.94$359.28Dec 2023UShttps://www.aspirefcu.org/loans/auto-loans/https://www.aspirefcu.org/eligibility-requirements/Open30100%Join ACC with $8
https://www.americanconsumercouncil.org/membership.asp?dname=Americanconsumercouncil.org
75
TowerFCU2.99%60$847.01$732.94$359.28Dec 2023UShttps://www.towerfcu.org/borrow/loan-rates/https://www.towerfcu.org/membership/eligibility/Open60125%
Donate $35 to their foundation to join, did not honor website APR and declined loan with 760 credit score. Declined my app with almost 800 credit score due to "fraud concerns" when no other CU has had an issue. Same with me - avoid this one.
76
MerrimackValleyCU
3.04%60$848.06$733.85$359.73Dec 2023MA, NHhttps://www.mvcu.com/loan-rateshttps://www.mvcu.com/who-can-joinStrict
77
ActorsFCU3.04%60$848.06$733.85$359.73Dec 2023Artistshttps://actorsfcu.com/loans/autohttps://www.actorsfcu.com/about-us/actors-federal-credit-unionStrict100%
$35 - Dancers over 40 membership qualifies (they reply less than 24 hrs -- you don't have to be over 40 to be a friend of the club) http://www.dancersover40.org/join.shtml; 10/16/18: Denied after becoming a member of Dancers over 40
78
GreaterIACU3.09%60$849.11$734.76$360.17Dec 2023IAhttps://www.greateriowacu.org/personal/borrowing/loan-rates/https://www.greateriowacu.org/belong/membership/membership-eligibility/Strict30100%
79
Delta Community3.18%60$851.00$736.39$360.98Dec 2023Atlanta Areahttps://www.deltacommunitycu.com/personal/loans/vehicle-loans/car-loans.aspxhttps://www.deltacommunitycu.com/personal/eligibility.aspxOpen30100%Join org for $75https://piag.org/join-today/application/
80
Caltech EFCU3.20%60$851.42$736.75$361.15Dec 2023Pasadena, CAhttps://www.caltechefcu.org/home/products/lending/vehiclehttps://www.caltechefcu.org/home/membership/eligibilityStrict100%
Caltech & JPL students/alumni/employees.
81
AndrewsFCU3.24%60$852.26$737.48$361.51Dec 2023MD, DC & VAhttps://www.andrewsfcu.org/personal/loans-and-credit/vehicle-loans.htmlhttps://www.andrewsfcu.org/join-andrews-federal-credit-union.htmlOpen120%
Donate $8 to ACC to join. You can join the American Consumer Council at no charge. Just use promo code "Andrews".
I applied for the loan and the next day got a call. The rep was super friendly and helped me get the low rate.
82
DMCU3.24%60$852.26$737.48$361.51Dec 2023MIhttps://dmcu.com/rates/https://forms.joinmycu.com/mop/166/newmember/eligibilityStrict
83
Financial Partners3.24%60$852.26$737.48$361.51Dec 2023CAhttps://www.fpcu.org/new-and-used-auto-loan-rateshttps://www.fpcu.org/open-a-financial-partners-accountStrict6090%
I see 3.24% is the rate for 60 months from their website.
Resident of california with credit union association or AARP qualifies
84
Stanford FCU3.24%60$852.26$737.48$361.51Dec 2023CAhttps://www.sfcu.org/personal/loans/auto/https://oao.sfcu.org/#/applicationStrict30100%
Free membership for any CA Resident
https://www.sfcu.org/friends-of-palo-alto-library-fopal/
85
TechCU3.74%60$862.82$746.62$365.99Dec 2023SF Bay Areahttps://www.techcu.com/Personal/Loans-and-Lines/Auto-Loans/Tesla-Auto-Financing/https://join.techcu.com/oflows/web/prodstart.seam?page=eligibility&prod=checking_basicOpen60100%Join an org for $8http://financialfitnessassociation.org/join-now/
86
PasadenaFCU3.99%60$868.13$751.21$368.24Dec 2023Pasadena, CAhttp://pfcu.org/AutoRates.aspxhttp://pfcu.org/HowToJoin.aspxOpen30100%
Donate $25 to their org, for the 1.99% rate this requires loan payments to be transferred from a Pasadena FCU checking account, otherwise the rate will be 2.99%. They don't need direct deposit just automatic transfers from their checking account.
88
HickamFCU1.24%48$1,007.36$871.69$427.30Dec 2022Oahu, HI
https://www.hickamfcu.org/resources-security/rates
https://www.hickamfcu.org/membership/membership/membership-eligibilityStrict120%
1% discount for EVs stated here: https://www.hickamfcu.org/loans-credit/vehicle-loans/auto-loans
89
ClearpathFCU1.49%48$1,012.46$876.11$429.47Dec 2022Southern CAhttps://www.clearpathfcu.org/vehicleloanrates.html
https://www.clearpathfcu.org/whocanjoin.html
Strict60125%
Qualify by being an employee of a select employer they work with, OR by making a one-time $5 contribution to our charitable organization AND living in Southern California. They're short staffed so please be patient. Sketchy yelp reviews: https://www.yelp.com/biz/clearpath-federal-credit-union-glendale
90
Fairwinds1.49%48$1,012.46$876.11$429.47Dec 2022FL
https://www.fairwinds.org/personal/loans/auto/
https://www.fairwinds.org/inside-fairwinds/about-us/Open30100%
Non-residents can qualify by joining "Lion Nation" free membership (no need to pay $59). Users from MA & CA & now GA confirms this is true -- https://lionnation.com
91
SharonviewFCU1.99%48$1,022.72$884.98$433.82Dec 2022
SC, NC, TN, VA
https://www.sharonview.org/resources/rates-fees/loan-rateshttps://www.sharonview.org/resources/join-us/eligibilityOpen30100%
Join hobby farmers of america for $20 // Hobby Farmers of America join form appears to be dead, use Charlotte Folk Society for $35 instead. Update: Applied and got a 2.99% rate with a 821 score; 10% down. Not sure why, will inquire.
92
APLFCU1.99%48$1,022.72$884.98$433.82Dec 2022Howard, MDhttps://www.aplfcu.org/Rateshttps://www.aplfcu.org/Join-APL-FCUStrict30100%
Live, work attend school or conduct business in Howard County, Maryland OR have a family member who is a member.
93
ChadwickFCU2.24%48$1,027.87$889.44$436.00Dec 2022MA, RIhttp://www.chadwickfcu.com/rates/loan-rates/Strict90100%
94
LAFinancialCU2.24%48$1,027.87$889.44$436.00Dec 2022LA - CA, AZhttps://www.lafinancial.org/borrow/vehicle-loans/vehicle-loan-rates/
https://www.lafinancial.org/join-us/
Strict30100%
County residency requirements. You can add 6 months to the original loan term for the same rate if you purchase GAP for $499. Dong so also gives you a $1000 discount on future auto loans w/them. Verified w/Luis 10/29/18
95
ParkViewFCU2.24%48$1,027.87$889.44$436.00Dec 2022
Harrisonburg, VA
https://www.pvfcu.org/rates/https://www.pvfcu.org/membership/Strict60130%
Live in Harrisonburg, VA or if you're a VA resident, become a member to https://friendlycity.coop for $200 or $25/mo
I applied for the loan and the next day got a call. The rep was super friendly and helped me get the low rate.
97
MCU2.45%48$1,032.21$893.20$437.84Dec 2022NY, NJ, CT, PAhttp://www.nymcu.org/rates/mcu-auto-rates.aspxhttp://www.nymcu.org/join/whocanjoin.aspxStrict125%
Other terms available, must meet NYC resident or other criteria; has .5% discount for auto pay
98
Financial Plus2.49%48$1,033.04$893.91$438.19Dec 2022Des Moines, IAhttps://www.financialpluscu.com/index.cfm?nodeID=70319&audienceID=1https://www.financialpluscu.com/en/learn/member_benefits/how_to_join/Strict100%
Requires Savings/Checking account and minimum 780 credit score. .5% Discount for auto debit https://www.financialpluscu.com/index.cfm?nodeID=65890&audienceID=1
99
OrionFCU2.49%48$1,033.04$893.91$438.19Dec 2022TN, MS, ARhttps://orionfcu.com/rates/https://orionfcu.com/about-us/membership/Strict
100
WheelhouseCU2.49%48$1,033.04$893.91$438.19Dec 2022San Diego, CAhttps://www.wheelhousecu.com/home/rates/autoshttps://ws.loanspq.com/consumer/v2/login/landing.aspx?enc2=CjDDGQgp6ViDEpMSQAmj1J7L372KaaRDo4KMNtUdlXBvtVwOuXwjJxa9MdCJWB1vqli-FAjpnPAPrZkRIx7-2YSSONm3NWOphahA0Tfh2wN8Ab6DKQIq5_qVmLJaE_AiStrict45120%
If outside of SD, must purchase Curator's Club from San Diego zoo $350
101
CarolinaCoopCU2.50%48$1,033.25$894.09$438.28Dec 2022Gaston, NChttps://www.carolinacoopcu.com/Rates.htmhttps://www.carolinacoopcu.com/membership.htmOpen30100%
Apply for loan first then join the org and credit union after approval. Email/mail in application so plan accordingly, Join NCCC for $20 https://www.ncconsumer.org/membership/join-now-charge.html - 2.25 is only available if you have a direct deposit with them
https://www.carolinacoopcu.com/Consumer%20Loan%20App%205-16.pdf
102
MerrimackValleyCU
2.74%48$1,038.22$898.40$440.39Dec 2022MA, NHhttps://www.mvcu.com/loan-rateshttps://www.mvcu.com/who-can-joinStrict
103
UFCU2.80%48$1,039.47$899.48$440.92Dec 2022Austin, TXhttps://www.ufcu.org/personal/loans/autohttps://www.ufcu.org/about/become-a-memberOpen60100%
Just donate Longhorn foundation to join:
https://www.ufcu.org/docs/default-source/pdf-forms/longhorn_foundati.pdf
104
AndrewsFCU2.84%48$1,040.30$900.20$441.27Dec 2022MD, DC & VAhttps://www.andrewsfcu.org/personal/loans-and-credit/vehicle-loans.htmlhttps://www.andrewsfcu.org/join-andrews-federal-credit-union.htmlOpen120%
Donate $8 to ACC to join. You can join the American Consumer Council at no charge. Just use promo code "Andrews".
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