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Compatible with desktop browser only. Assumes excellent credit.
Tesla's Rate:
#ERROR!
Other useful links:
Get 1K Free Supercharging137
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Multiple credit inquiries do not affect credit score in a short period of time
Rates Updated:
Thu 12/17/20 4:59 AM PSTTesla Referral Link
http://bit.ly/TeslaReferraICode
Tesla incentives by state:http://bit.ly/TeslaIncentivesSeems like tesla rates are not updating correctly.
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Rates updated every 4 hrs, if any issues or ideas, comment on the right side in 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.
Discussions on this sheet:
http://bit.ly/TeslaFinanceConvo
Tesla Range By Model:http://bit.ly/TeslaRange
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Enter Loan Amount Here:
$30,000$58,000$55,000Rate Match: A
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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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Star One2.45%84$389.01$752.08$713.18Jul 2028
Santa Clara, CA
https://www.starone.org/loans/car/new/https://www.starone.org/membership/who-can-join/Strict100%100% APL Federal Credit Union is open to anyone who lives, works, attends school or regularly conducts business in Howard County, Maryland. Immediate family members of current credit union members are also eligible for membership - even if they do not live or work in Howard County.
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APLFCU1.99%84$382.89$740.26$701.97Jul 2028Howard, MDhttps://www.aplfcu.org/Rateshttps://www.aplfcu.org/Join-APL-FCUStrict30100%Rate is wrong here. Its 2.49 fopr 84 months
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DMCU1.99%84$382.89$740.26$701.97Jul 2028MIhttps://dmcu.com/rates/https://forms.joinmycu.com/mop/166/newmember/eligibilityStrictRequires: 1. Be local to MI, Attend a shcool/college (full time), or have a relative to be a member 2. Must be a member to get loan
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CarolinaCoopCU1.99%84$382.89$740.26$701.97Jul 2028Gaston, NChttps://www.carolinacoopcu.com/loan-rateshttps://www.carolinacoopcu.com/membership.htmOpen30100%
4/2021 - Tried to refinance my 2019 Model 3. They couldn't pull a value on it through NADA...only 2018 and olders showing up. CU would only use NADA.
2/5/2021 Approved for 1.99% up to 84 month term. Need to maintain annual $20 membership to North Carolina Consumer Council (open to anyone) membership verification is instant. Credit union only does paper application via mail/fedex etc and there is no online/email submission. Received approval next day after CU received documents.
5/2021 - Completed 1.99 at 84 months, requires paper work plan ahead
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Delta Community1.98%84$382.76$740.00$701.72Jul 2028Atlanta Areahttps://www.deltacommunitycu.com/personal/loans/vehicle-loans/car-loans.aspxhttps://www.deltacommunitycu.com/personal/eligibility.aspxStrict30100%Delta will not process auto app until you have funded your savings account with them
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LAFinancialCU2.24%84$386.21$746.67$708.05Jul 2028LA - CA, AZhttps://www.lafinancial.org/borrow/vehicle-loans/vehicle-loan-rates/
https://www.lafinancial.org/join-us/
Strict30100%
By far the easiest/best CU terms in Los Angeles. scored 2.24%. Applied for loan THEN became a member after approval. Super cut n dry. also got 90 days deferred for first payment.
Used the name “Matthew Castaldo” in the online referral field to get a $75 bonus credit for signing up with the credit union
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Stanford FCU1.49%84$376.31$727.54$689.91Jul 2028CAhttps://www.sfcu.org/personal/loans/auto/https://oao.sfcu.org/#/applicationStrict30100%06/20/2021 Approved no hard inquiry, 1.49% at 60 months and 1.99% at 84 Months ( with Membership Rewards)
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WescomCU#ERROR!84$0.00$0.00$0.00Jul 2028Southern CAhttps://www.wescom.org/rates/auto-loan-rates.asphttps://www.wescom.org/about/how-to-open-wescom-account.aspStrict130%
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CampbellCU2.50%84$389.67$753.37$714.40Jul 2028NJ, PA, DEhttp://www.campbellcu.org/about-us/rates/http://www.campbellcu.org/about-us/membership/Strict
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Caltech EFCU1.45%84$375.79$726.53$688.95Jul 2028Pasadena, CAhttps://www.caltechefcu.org/home/products/lending/vehiclehttps://www.caltechefcu.org/home/membership/eligibilityStrict100%04/28/2021: 1.45% - 36mo, 2.15% - 60mo, 2.45% - 72mo, 3.25% - 84mo, rates are with auto pay, add 1% without autopay
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ParkViewFCU1.74%84$379.59$733.88$695.92Jul 2028
Harrisonburg, VA
https://www.pvfcu.org/auto-loan-rates/https://www.pvfcu.org/membership/Strict60130%1.74% is for up to 42 months....please adjust
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Allegacy2.59%84$390.88$755.70$716.61Jul 2028UShttps://www.allegacy.org/rates/https://www.allegacy.org/join/Open60100%
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FedChoice1.99%84$382.89$740.26$701.97Jul 2028
Washington DC
https://www.fedchoice.org/rates/?RateId=54https://www.fedchoice.org/join/membership-eligibility/Strict30125%`
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ClearpathFCU2.24%84$386.21$746.67$708.05Jul 2028Southern CAhttps://www.clearpathfcu.org/vehicleloanrates.html
https://www.clearpathfcu.org/whocanjoin.html
Strict60125%
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Financial Plus1.99%84$382.89$740.26$701.97Jul 2028Des Moines, IA
https://www.financialpluscu.com/borrow/vehicle-loans/auto-loans
https://www.financialpluscu.com/en/learn/member_benefits/how_to_join/Strict100%My Fedex application was received by t..hem today. I called after lunch and they had already established my savings acct. I asked them to open my e-checking and received that confirmation within an hour. I’ve contacted our payroll service to setup my new acct for direct deposit. They don’t think getting the loan processed by Tuesday will work. They wanted the buyers agreement and vin. I reached out to Tesla to get it and within 20 min had it. I’ve forwarded the doc but it might have been after hours for CCFCU. I will follow up Monday to see what is still needed from me.
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AndrewsFCU2.39%84$388.21$750.53$711.71Jul 2028MD, DC & VAhttps://www.andrewsfcu.org/Learn/Resources/Rates/New-and-Used-Auto-Loan-Rateshttps://www.andrewsfcu.org/join-andrews-federal-credit-union.htmlOpen120%
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TechCU2.49%84$389.54$753.11$714.16Jul 2028SF 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%##Note that if you will want to use them PLEASE SEND MORE THAN $5 to open your savings acct. That is a minimum balance. They need money in your account to do a bank check. I didn’t get that amount but I’m sure it isn’t much. I’ll post more when I know more.
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California CU#ERROR!84$0.00$0.00$0.00Jul 2028CAhttps://www.ccu.com/rates/auto-loan-rateshttps://app.loanspq.com/xa/xpressApp.aspx?lenderref=Northlandfcu82416&type=1&noencrypt=&l=1Strict3090%
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WheelhouseCU#ERROR!84$0.00$0.00$0.00Jul 2028San Diego, CAhttps://www.wheelhousecu.com/low-rate-auto-loan/https://ws.loanspq.com/consumer/v2/login/landing.aspx?enc2=CjDDGQgp6ViDEpMSQAmj1J7L372KaaRDo4KMNtUdlXBvtVwOuXwjJxa9MdCJWB1vqli-FAjpnPAPrZkRIx7-2YSSONm3NWOphahA0Tfh2wN8Ab6DKQIq5_qVmLJaE_AiStrict45120%PLease replace with Frontwave CU which is at 3.74% with autopay from Checkings. $15 membership
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EECU#N/A72$0.00$0.00$0.00Jul 2027Fresno, CAhttps://www.myeecu.org/home/loans-credit-cards/auto-rv-boathttps://www.myeecu.org/home/about-eecu/about-membershipStrict100%
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HickamFCU0.74%72$426.11$823.82$781.21Jul 2027Honolulu, HI
https://www.hickamfcu.org/resources-security/rates
https://www.hickamfcu.org/membership/membership/membership-eligibilityStrict120%I think this is actually 1.74%
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Delta Community1.98%72$442.25$855.02$810.79Jul 2027Atlanta Areahttps://www.deltacommunitycu.com/personal/loans/vehicle-loans/car-loans.aspxhttps://www.deltacommunitycu.com/personal/eligibility.aspxStrict30100%Current Rates have gone up. Now it is 2.38% for 61 - 72 months, and 1.98% for 60 months
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MerrimackValleyCU
2.49%72$449.00$868.06$823.16Jul 2027MA, NHhttps://www.mvcu.com/loan-rateshttps://www.mvcu.com/who-can-joinStrictApply 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. 3/8/19 - tried to apply for a loan first and got an e-mail saying I was not a member annd that I must become a member in order to apply. https://www.carolinacoopcu.com/Consumer%20Loan%20App%205-16.pdf 2
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APLFCU1.99%72$442.38$855.27$811.03Jul 2027Howard, MDhttps://www.aplfcu.org/Rateshttps://www.aplfcu.org/Join-APL-FCUStrict30100%You must live there or have family there
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LAFinancialCU2.24%72$445.68$861.65$817.08Jul 2027LA - CA, AZhttps://www.lafinancial.org/borrow/vehicle-loans/vehicle-loan-rates/
https://www.lafinancial.org/join-us/
Strict30100%
By far the easiest/best CU terms in Los Angeles. scored 2.24%. Applied for loan THEN became a member after approval. Used the name “Matthew Castaldo” in the online referral field to get a $75 bonus credit for signing up with the credit union. Super cut n dry. also got 90 days deferred for first payment.
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WescomCU#ERROR!72$0.00$0.00$0.00Jul 2027So Calhttps://www.wescom.org/rates/auto-loan-rates.asphttps://www.wescom.org/about/how-to-open-wescom-account.aspStrict130%Yo to a tri-state area when I called in on 10/30, and as such they would not accept an application for MN resident. The .5% rate discount goes away if you don't reach signature member Status in 90-120 days. Not easy to reach that status.
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DMCU1.99%72$442.38$855.27$811.03Jul 2027MIhttps://dmcu.com/rates/https://forms.joinmycu.com/mop/166/newmember/eligibilityStrictCalled and they said you have to live, work or worship in MI
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CampbellCU2.50%72$449.13$868.32$823.41Jul 2027NJ, PA, DEhttp://www.campbellcu.org/about-us/rates/http://www.campbellcu.org/about-us/membership/Strict
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CarolinaCoopCU1.99%72$442.38$855.27$811.03Jul 2027Gaston, NChttps://www.carolinacoopcu.com/loan-rateshttps://www.carolinacoopcu.com/membership.htmOpen30100%Very Tesla Friendly - if you have a 730+ FICO = 1.99% up to 84 months. Application mailed, same day approval. Old school but very buttoned up and quick.
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GEFCU1.59%72$437.13$845.12$801.41Jul 2027TX
https://www.gefcu-austin.org/vehicle-loans
https://www.gefcu-austin.org/become-member
StrictMust apply in person, in a branch, cannot apply/process a loan app online as a new member BUT Anyone in TX can join - Donate $15 to library. Download form: http://www.austinlibrary.com/downloads/donation_dedication2016.pdf scan and emailed to azalia.villarreal@austintexas.gov. Questions? Call Azalia Villarreal at 512-974-7449.
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FedChoice1.99%72$442.38$855.27$811.03Jul 2027
Washington DC
https://www.fedchoice.org/rates/?RateId=54https://www.fedchoice.org/join/membership-eligibility/Strict30125%2.5% if you're a new member (must be in DC-Metro, Baltimore, Philadelphia Areas and work for a federal agency)
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ParkViewFCU1.74%72$439.10$848.92$805.01Jul 2027
Harrisonburg, VA
https://www.pvfcu.org/auto-loan-rates/https://www.pvfcu.org/membership/Strict60130%
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PasadenaFCU85.00%72$2,140.51$4,138.31$3,924.26Jul 2027Pasadena, CAhttps://www.pfcu.org/loans-and-credit-cards/vehicle-loan-rateshttp://pfcu.org/HowToJoin.aspxOpen30100%Requires opening a VISA credit card with them (reduction of 0.5%, no annual fee for card) and Opening a bank acct and paying the loan from that account for another 0.5% reduction in interest rate.) New rate link: https://www.pfcu.org/loans-and-credit-cards/vehicle-loan-rates Wasn't a huge fan of dealing with them.. They seem a little disorganized honestly.
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Stanford FCU1.49%72$435.83$842.60$799.02Jul 2027CAhttps://www.sfcu.org/personal/loans/auto/https://oao.sfcu.org/#/applicationStrict30100%https://www.sfcu.org/friends-of-palo-alto-library-fopal/ [signed up for membership through FOPAL and applied for the loan. got 1.99% (2.99% base rate + 1% discount for setting up direct deposit of $500 in the checking acc + use debit card for 20 trx a month) for 84 months credit score 801] - 4/23
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California CU#ERROR!72$0.00$0.00$0.00Jul 2027CAhttps://www.ccu.com/rates/auto-loan-rateshttps://app.loanspq.com/xa/xpressApp.aspx?lenderref=Northlandfcu82416&type=1&noencrypt=&l=1Strict3090%
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Allegacy2.59%72$450.33$870.63$825.60Jul 2027UShttps://www.allegacy.org/rates/https://app.loanspq.com/xa/xpressApp.aspx?lenderref=Northlandfcu82416&type=1&noencrypt=&l=1Open60100%
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MCU2.79%72$453.00$875.79$830.50Jul 2027NY, 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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GreaterIACU1.99%72$442.38$855.27$811.03Jul 2027IAhttps://www.greateriowacu.org/personal/borrowing/loan-rates/https://www.greateriowacu.org/belong/membership/membership-eligibility/Strict30100%
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OrionFCU8.99%72$540.62$1,045.19$991.13Jul 2027TN, MS, ARhttps://orionfcu.com/rates/https://orionfcu.com/about-us/membership/Strict
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AndrewsFCU2.39%72$447.67$865.49$820.73Jul 2027MD, DC & VAhttps://www.andrewsfcu.org/Learn/Resources/Rates/New-and-Used-Auto-Loan-Rateshttps://www.andrewsfcu.org/join-andrews-federal-credit-union.htmlOpen120%
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TechCU2.49%72$449.00$868.06$823.16Jul 2027SF 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 $8 http://financialfitnessassociation.org/join-now/
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ClearpathFCU2.24%72$445.68$861.65$817.08Jul 2027Southern CAhttps://www.clearpathfcu.org/vehicleloanrates.html
https://www.clearpathfcu.org/whocanjoin.html
Strict60125%125%
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TowerFCU7.99%72$525.85$1,016.64$964.06Jul 2027UShttps://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%
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WheelhouseCU#ERROR!72$0.00$0.00$0.00Jul 2027San Diego, CAhttps://www.wheelhousecu.com/current-interest-rates/https://ws.loanspq.com/consumer/v2/login/landing.aspx?enc2=CjDDGQgp6ViDEpMSQAmj1J7L372KaaRDo4KMNtUdlXBvtVwOuXwjJxa9MdCJWB1vqli-FAjpnPAPrZkRIx7-2YSSONm3NWOphahA0Tfh2wN8Ab6DKQIq5_qVmLJaE_AiStrict45120%75 months @ 3.24% promo rate. If outside of SD, must purchase Curator's Club from San Diego zoo $350
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HickamFCU0.74%60$509.46$984.96$934.01Jul 2026Honolulu, HI
https://www.hickamfcu.org/resources-security/rates
https://www.hickamfcu.org/membership/membership/membership-eligibilityStrict120%1.74%
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EECU#N/A60$0.00$0.00$0.00Jul 2026Fresno, CAhttps://www.myeecu.org/home/loans-credit-cards/auto-rv-boathttps://www.myeecu.org/home/about-eecu/about-membershipStrict100%2.99% Confirmed Links don't work. Must open a checking account, fund it (>=$10). If not an educator in the Fresno CA area, must donate to Frenso School PTA (again >=$10). Applied online, 2.49% confrmed, but then needed to go in person to one of their offices to finalize the loan application. They don't wire funds, so expect a check. :( Cannot refinance to lower rate.
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RiverLandFCU#ERROR!60$0.00$0.00$0.00Jul 2026New Orleanshttps://www.riverlandfcu.org/loan-rates
https://artsneworleans.networkforgood.com/projects/58917-arts-council-membership
Strict
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SharonviewFCU1.99%60$525.70$1,016.36$963.79Jul 2026
SC, NC, TN, VA
https://www.sharonview.org/resources/rates-fees/loan-rateshttps://www.sharonview.org/resources/join-us/eligibilityOpen30100%
12/27/19: Rate for 60 mos was 2.74%, approved with ~820. Paid $35 for folk society membership. They were very responsive and helpful even over the holidays and got my loan done on time. I initially did my $5 opening deposit online and it wasn't going to post in time, so they found a local partner FCU that I could deposit at to get my account open.
11/15/19: Rate for 60 mos just dropped to 2.74%, 2.99% for 72 mos. Approved with 791 score. Only US Citizens/Permanent Residents.

4/7/21 I got approved for 60mo 1.49% on my cash out refinance 80% LTV (they said its 1.99% on 100% LTV). I use their credit card as well which I used rewards points to buy the rate down further. Pumped! 780 credit score. Did have to spend $35 on the folk society to join.
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Delta Community1.98%60$525.57$1,016.10$963.55Jul 2026Atlanta Areahttps://www.deltacommunitycu.com/personal/loans/vehicle-loans/car-loans.aspxhttps://www.deltacommunitycu.com/personal/eligibility.aspxStrict30100%Join PIAG for $40 https://www.deltacommunitycu.com/personal/eligibility.aspx https://piag.org/join-today/application/
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CampbellCU2.50%60$532.42$1,029.35$976.10Jul 2026NJ, PA, DEhttp://www.campbellcu.org/about-us/rates/http://www.campbellcu.org/about-us/membership/StrictThey provide loan to F1 student.
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ParkViewFCU1.74%60$522.43$1,010.03$957.78Jul 2026
Harrisonburg, VA
https://www.pvfcu.org/auto-loan-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. Received excellent customer service! +1 on excellent customer service.
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WescomCU#ERROR!60$0.00$0.00$0.00Jul 2026Southern 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, includes 0.5% discount for using their auto insurance. They require you to put down 20% of your purchase price.
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LAFinancialCU2.24%60$528.99$1,022.71$969.81Jul 2026LA - CA, AZhttps://www.lafinancial.org/borrow/vehicle-loans/vehicle-loan-rates/
https://www.lafinancial.org/join-us/
Strict30100%
By far the easiest/best CU terms in Los Angeles. scored 2.24%. Applied for loan THEN became a member after approval. Super cut n dry. also got 90 days deferred for first payment.
Used the name “Matthew Castaldo” in the online referral field to get a $75 bonus credit for signing up with the credit union
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PasadenaFCU85.00%60$2,160.58$4,177.13$3,961.07Jul 2026Pasadena, CAhttps://www.pfcu.org/loans-and-credit-cards/vehicle-loan-rateshttp://pfcu.org/HowToJoin.aspxOpen30100%9/20/2019 Actual rate up to 1% higher. 0.5% discount for getting a credit card (!), and another 0.5% discount for automatic transfers from checking account. Get the loan from them 2nd time. Both experience are good, very fast and straigtforward service.
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MerrimackValleyCU
2.49%60$532.29$1,029.09$975.86Jul 2026MA, NHhttps://www.mvcu.com/loan-rateshttps://www.mvcu.com/who-can-joinStrict
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Stanford FCU1.49%60$519.17$1,003.72$951.81Jul 2026CAhttps://www.sfcu.org/personal/loans/auto/https://oao.sfcu.org/#/applicationStrict30100%100%
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TowerFCU7.99%60$608.15$1,175.75$1,114.94Jul 2026UShttps://www.towerfcu.org/borrow/loan-rates/https://www.towerfcu.org/membership/eligibility/Open60125%
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MCU2.79%60$536.27$1,036.78$983.15Jul 2026NY, 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 .5% increase penalty if you do not apply for auto payy
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SikorskyCU1.99%60$525.70$1,016.36$963.79Jul 2026CThttps://www.sikorskycu.org/Learn/Information/Rateshttps://www.sikorskycu.org/Connect/Join/Become-a-MemberStrict100%
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Caltech EFCU1.45%60$518.65$1,002.72$950.85Jul 2026Pasadena, CAhttps://www.caltechefcu.org/home/products/lending/vehiclehttps://www.caltechefcu.org/home/membership/eligibilityStrict100%Caltech & JPL students/alumni/employees.
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WheelhouseCU#ERROR!60$0.00$0.00$0.00Jul 2026San Diego, CAhttps://www.wheelhousecu.com/home/rates/autoshttps://ws.loanspq.com/consumer/v2/login/landing.aspx?enc2=CjDDGQgp6ViDEpMSQAmj1J7L372KaaRDo4KMNtUdlXBvtVwOuXwjJxa9MdCJWB1vqli-FAjpnPAPrZkRIx7-2YSSONm3NWOphahA0Tfh2wN8Ab6DKQIq5_qVmLJaE_AiStrict45120%
70
APLFCU1.99%60$525.70$1,016.36$963.79Jul 2026Howard, MDhttps://www.aplfcu.org/Rateshttps://www.aplfcu.org/Join-APL-FCUStrict30100%
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AspireFCU#ERROR!60$0.00$0.00$0.00Jul 2026UShttps://www.aspirefcu.org/loans/auto-loans/https://www.aspirefcu.org/eligibility-requirements/Open30100%Easy process. Able to get 2.99% confirmed. Loan term was 60 months. All over email and online - **2.99 is ONLY for new**. Only US Citizens/Permanent Residents.
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Financial Partners2.24%60$528.99$1,022.71$969.81Jul 2026CAhttps://www.fpcu.org/new-and-used-auto-loan-rateshttps://www.fpcu.org/open-a-financial-partners-accountStrict6090%
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DMCU1.99%60$525.70$1,016.36$963.79Jul 2026MIhttps://dmcu.com/rates/https://forms.joinmycu.com/mop/166/newmember/eligibilityStrict
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FedChoice1.99%60$525.70$1,016.36$963.79Jul 2026
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 and work for a federal agency)
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GEFCU1.59%60$520.47$1,006.24$954.19Jul 2026Austin, TX
https://www.gefcu-austin.org/vehicle-loans
https://www.gefcu-austin.org/become-member
StrictMust apply in person, in a branch, cannot apply/process a loan app online as a new member BUT Anyone in TX can join - Donate $15 to library. Download form: http://www.austinlibrary.com/downloads/donation_dedication2016.pdf scan and emailed to azalia.villarreal@austintexas.gov. Questions? Call Azalia Villarreal at 512-974-7449.
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CarolinaCoopCU1.99%60$525.70$1,016.36$963.79Jul 2026Gaston, NC
https://www.carolinacoopcu.com/loan-rates
https://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
77
Allegacy2.59%60$533.61$1,031.65$978.29Jul 2026UShttps://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 - Irene did my loan application and was always super responsive. highly recommended: Cafiero, Irene <icafiero@allegacy.org>
78
ClearpathFCU2.24%60$528.99$1,022.71$969.81Jul 2026Southern 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
79
OrionFCU8.99%60$622.61$1,203.70$1,141.44Jul 2026TN, MS, ARhttps://orionfcu.com/rates/https://orionfcu.com/about-us/membership/Strict
80
AndrewsFCU2.39%60$530.97$1,026.54$973.44Jul 2026MD, DC & VA
https://www.andrewsfcu.org/Learn/Resources/Rates/New-and-Used-Auto-Loan-Rates
https://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". Offering a .25% discount if you setup autopay from an Andrews checking or savings account! I applied for the loan and the next day got a call. The rep was super friendly and helped me get the low rate.
81
GreaterIACU1.99%60$525.70$1,016.36$963.79Jul 2026IAhttps://www.greateriowacu.org/personal/borrowing/loan-rates/https://www.greateriowacu.org/belong/membership/membership-eligibility/Strict30100%
82
Financial Plus1.99%60$525.70$1,016.36$963.79Jul 2026Des Moines, IA
https://www.financialpluscu.com/borrow/vehicle-loans/auto-loans
https://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
84
HickamFCU0.74%48$634.49$1,226.68$1,163.23Jul 2025Honolulu, HI
https://www.hickamfcu.org/resources-security/rates
https://www.hickamfcu.org/membership/membership/membership-eligibilityStrict120% Must be resident of Hawaii, or be connected there.
85
SharonviewFCU1.99%48$650.72$1,258.06$1,192.99Jul 2025
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. 2.24% is only for 36 months, 3.49% for 48 months.
86
ParkViewFCU1.74%48$647.46$1,251.75$1,187.00Jul 2025
Harrisonburg, VA
https://www.pvfcu.org/auto-loan-rates/https://www.pvfcu.org/membership/Strict60130%UFCU only funds loans for vehicles titled within Texas.
87
UFCU1.65%48$646.28$1,249.48$1,184.85Jul 2025Austin, TXhttps://www.ufcu.org/personal/loans/autohttps://www.ufcu.org/about/become-a-memberOpen60100%
88
ClearpathFCU2.24%48$654.00$1,264.40$1,199.00Jul 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
89
LAFinancialCU2.24%48$654.00$1,264.40$1,199.00Jul 2025LA - CA, AZhttps://www.lafinancial.org/borrow/vehicle-loans/vehicle-loan-rates/
https://www.lafinancial.org/join-us/
Strict30100%
By far the easiest/best CU terms in Los Angeles. scored 2.24%. Applied for loan THEN became a member after approval. Super cut n dry. also got 90 days deferred for first payment.
Used the name “Matthew Castaldo” in the online referral field to get a $75 bonus credit for signing up with the credit union
90
MerrimackValleyCU
2.49%48$657.29$1,270.76$1,205.03Jul 2025MA, NHhttps://www.mvcu.com/loan-rateshttps://www.mvcu.com/who-can-joinStrict
92
PasadenaFCU85.00%48$2,207.66$4,268.14$4,047.37Jul 2025Pasadena, CAhttps://www.pfcu.org/loans-and-credit-cards/vehicle-loan-rateshttp://pfcu.org/HowToJoin.aspxOpen30100%Avoid! Actual rate 1% higher. 0.5% discount only if you get a credit card with them (!), and another 0.5% discount for automatic transfers from checking account. And they don't tell you all this until after a hard pull on credit report.
93
TowerFCU7.99%48$732.25$1,415.68$1,342.45Jul 2025UShttps://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. Declined with 800+ credit score and over $600k of income
94
MCU2.79%48$661.25$1,278.41$1,212.29Jul 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
95
GEFCU1.59%48$645.50$1,247.97$1,183.42Jul 2025TX
https://www.gefcu-austin.org/vehicle-loans
https://www.gefcu-austin.org/become-member
StrictMust apply in person, in a branch, cannot apply/process a loan app online as a new member BUT Anyone in TX can join - Donate $15 to library. Download form: http://www.austinlibrary.com/downloads/donation_dedication2016.pdf scan and emailed to azalia.villarreal@austintexas.gov. Questions? Call Azalia Villarreal at 512-974-7449.
96
Fairwinds1.75%48$647.59$1,252.00$1,187.24Jul 2025FL
https://www.fairwinds.org/personal/loans/auto/
https://www.fairwinds.org/inside-fairwinds/about-us/Strict30100%Requires autopay from a Fairwinds checking account
97
APLFCU1.99%48$650.72$1,258.06$1,192.99Jul 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.
98
Financial Plus1.99%48$650.72$1,258.06$1,192.99Jul 2025Des Moines, IA
https://www.financialpluscu.com/borrow/vehicle-loans/auto-loans
https://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
AspireFCU#ERROR!48$0.00$0.00$0.00Jul 2025UShttps://www.aspirefcu.org/loans/auto-loans/https://www.aspirefcu.org/eligibility-requirements/Open30100%Join ACC with $8
100
USC CU7.24%48$721.73$1,395.35$1,323.18Jul 2025
SF Bay Area/Online
https://www.usccreditunion.org/products/auto-loans-with-low-rates/https://www.usccreditunion.org/apply-now/am-i-eligible/Strict100%Includes 0.25% discount for auto-pay. Account creation to Tesla receiving check was about 4-5 days.
101
DMCU1.99%48$650.72$1,258.06$1,192.99Jul 2025MIhttps://dmcu.com/rates/https://forms.joinmycu.com/mop/166/newmember/eligibilityStrict
102
WheelhouseCU#ERROR!48$0.00$0.00$0.00Jul 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
103
CarolinaCoopCU1.99%48$650.72$1,258.06$1,192.99Jul 2025Gaston, NC
https://www.carolinacoopcu.com/loan-rates
https://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
104
AndrewsFCU2.39%48$655.97$1,268.21$1,202.62Jul 2025MD, DC & VA
https://www.andrewsfcu.org/Learn/Resources/Rates/New-and-Used-Auto-Loan-Rates
https://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". Offering a .25% discount if you setup autopay from an Andrews checking or savings account!