Tesla Finance Credit Unions
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Compatible with desktop browser only. Assumes excellent credit.
Tesla's Rate:
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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:
Fri 7/10/20 11:59 AM PSTTesla Referral Link
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 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:
$50,000$43,70040,909.00Rate 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 One2.75%84$655.05$572.51$535.95Jul 2027
Santa Clara, CA
https://www.starone.org/loans/car/new/https://www.starone.org/membership/who-can-join/Strict100%ONLY AVAILABLE IN NORTHERN COUNTIES OF STATE
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APLFCU2.99%84$660.44$577.22$540.36Jul 2027Howard, MDhttps://www.aplfcu.org/Rateshttps://www.aplfcu.org/Join-APL-FCUStrict30100%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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DMCU3.49%84$671.76$587.12$549.62Jul 2027MIhttps://dmcu.com/rates/https://forms.joinmycu.com/mop/166/newmember/eligibilityStrictIndividuals can also join our credit union if they live, work, worship or study in the majority of Gaston County! Members of the North Carolina Consumers Council (open to anyone for $20) can become FCU members. Approved for 84 months at 2.99% on 10/22, they require wet signatures for membership so the loan process will take a few days if you are out of state but very smooth overall. Credit score of 730 or higher needed to qualify for 2.99%
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CarolinaCoopCU2.49%84$649.24$567.43$531.19Jul 2027Gaston, NChttps://www.carolinacoopcu.com/loan-rateshttps://www.carolinacoopcu.com/membership.htmOpen30100%*Promotional Auto Loan Special* Credit Scores 730 & Higher
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Delta Community2.78%84$655.72$573.10$536.50Jul 2027Atlanta Areahttps://www.deltacommunitycu.com/personal/loans/vehicle-loans/car-loans.aspxhttps://www.deltacommunitycu.com/personal/eligibility.aspxStrict30100%Just a note that if you are planning to borrow with co-borrower, make sure to add that person to your account with the credit union before applying the loan, or you'll lose several days to a week as they require both names on the account before processing the loan application.
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LAFinancialCU3.24%84$666.09$582.16$544.98Jul 2027LA - CA, AZhttps://www.lafinancial.org/borrow/vehicle-loans/vehicle-loan-rates/
https://www.lafinancial.org/join-us/
Strict30100%
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Stanford FCU2.74%84$654.82$572.31$535.76Jul 2027CAhttps://www.sfcu.org/personal/loans/auto/https://oao.sfcu.org/#/applicationStrict30100%3/18/19:
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WescomCU3.24%84$666.09$582.16$544.98Jul 2027Southern CAhttps://www.wescom.org/rates/auto-loan-rates.asphttps://www.wescom.org/about/how-to-open-wescom-account.aspStrict130%CCCU just updated their requirements to apply for the auto loan. Now you only need to have a saving account to activate the membership and have a credit score of 730 or above in order to qualify for the 2.99% auto loan. They no longer require direct deposit.
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CampbellCU3.50%84$671.99$587.32$549.81Jul 2027NJ, PA, DEhttp://www.campbellcu.org/about-us/rates/http://www.campbellcu.org/about-us/membership/Strict
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Caltech EFCU3.45%84$670.85$586.33$548.88Jul 2027Pasadena, CAhttps://www.caltechefcu.org/home/products/lending/vehiclehttps://www.caltechefcu.org/home/membership/eligibilityStrict100%3/7/19:
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ParkViewFCU3.64%84$675.19$590.11$552.42Jul 2027
Harrisonburg, VA
https://www.pvfcu.org/auto-loan-rates/https://www.pvfcu.org/membership/Strict60130%I just applied for application to both NCCC and CCCU yesterday. Very easy on NCCC and instantly received Member ID. CCCU called me the today to get my NCCC ID and will send me package with documents to fill out and sign for membership and checking/saving accounts. I've been told that the rate will be 2.99% (700+ credit) only if I have a direct deposit with entire amount deposit to them, and the minimum initial deposit has to be more than $100 to cover Tesla's requirement on overnight payment. Without direct deposit with entire amount, rate will be 3.99% instead.
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Allegacy3.94%84$682.06$596.12$558.05Jul 2027UShttps://www.allegacy.org/rates/https://www.allegacy.org/join/Open60100%
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FedChoice3.64%84$675.19$590.11$552.42Jul 2027
Washington DC
https://www.fedchoice.org/rates/?RateId=54https://www.fedchoice.org/join/membership-eligibility/Strict30125%
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ClearpathFCU3.99%84$683.21$597.13$558.99Jul 2027Southern CAhttps://www.clearpathfcu.org/vehicleloanrates.html
https://www.clearpathfcu.org/whocanjoin.html
Strict60125%12/7/18:
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Financial Plus4.24%84$688.98$602.17$563.71Jul 2027Des 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 them 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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AndrewsFCU4.24%84$688.98$602.17$563.71Jul 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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TechCU4.49%84$694.78$607.23$568.45Jul 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%##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 CU4.89%84$704.11$615.40$576.09Jul 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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WheelhouseCU4.99%84$706.46$617.45$578.01Jul 2027San Diego, CAhttps://www.wheelhousecu.com/low-rate-auto-loan/https://ws.loanspq.com/consumer/v2/login/landing.aspx?enc2=CjDDGQgp6ViDEpMSQAmj1J7L372KaaRDo4KMNtUdlXBvtVwOuXwjJxa9MdCJWB1vqli-FAjpnPAPrZkRIx7-2YSSONm3NWOphahA0Tfh2wN8Ab6DKQIq5_qVmLJaE_AiStrict45120%11/19/18:
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EECU#ERROR!72$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%
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HickamFCU2.74%72$753.88$658.89$616.81Jul 2026Honolulu, HI
https://www.hickamfcu.org/resources-security/rates
https://www.hickamfcu.org/membership/membership/membership-eligibilityStrict120%
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Delta Community2.38%72$745.89$651.91$610.28Jul 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/ - looks like PIAG app requires you to have a business
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MerrimackValleyCU
2.99%72$759.46$663.77$621.38Jul 2026MA, 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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APLFCU2.99%72$759.46$663.77$621.38Jul 2026Howard, MDhttps://www.aplfcu.org/Rateshttps://www.aplfcu.org/Join-APL-FCUStrict30100%
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LAFinancialCU2.99%72$759.46$663.77$621.38Jul 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 2.74%. 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 $50 bonus credit for signing up with the credit union
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WescomCU2.74%72$753.88$658.89$616.81Jul 2026So 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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DMCU2.49%72$748.33$654.04$612.27Jul 2026MIhttps://dmcu.com/rates/https://forms.joinmycu.com/mop/166/newmember/eligibilityStrict
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CampbellCU3.00%72$759.68$663.96$621.56Jul 2026NJ, PA, DEhttp://www.campbellcu.org/about-us/rates/http://www.campbellcu.org/about-us/membership/Strict
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CarolinaCoopCU2.49%72$748.33$654.04$612.27Jul 2026Gaston, NChttps://www.carolinacoopcu.com/loan-rateshttps://www.carolinacoopcu.com/membership.htmOpen30100%
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GEFCU3.10%72$761.92$665.92$623.39Jul 2026TX
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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FedChoice2.64%72$751.66$656.95$614.99Jul 2026
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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ParkViewFCU3.24%72$765.06$668.67$625.96Jul 2026
Harrisonburg, VA
https://www.pvfcu.org/auto-loan-rates/https://www.pvfcu.org/membership/Strict60130%
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PasadenaFCU2.24%72$742.80$649.21$607.75Jul 2026Pasadena, 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
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Stanford FCU2.74%72$753.88$658.89$616.81Jul 2026CAhttps://www.sfcu.org/personal/loans/auto/https://oao.sfcu.org/#/applicationStrict30100%https://www.sfcu.org/friends-of-palo-alto-library-fopal/
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California CU3.39%72$768.44$671.62$628.72Jul 2026CAhttps://www.ccu.com/rates/auto-loan-rateshttps://app.loanspq.com/xa/xpressApp.aspx?lenderref=Northlandfcu82416&type=1&noencrypt=&l=1Strict3090%
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Allegacy3.44%72$769.57$672.60$629.64Jul 2026UShttps://www.allegacy.org/rates/https://app.loanspq.com/xa/xpressApp.aspx?lenderref=Northlandfcu82416&type=1&noencrypt=&l=1Open60100%0
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MCU3.45%72$769.79$672.80$629.83Jul 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
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GreaterIACU2.94%72$758.34$662.79$620.46Jul 2026IAhttps://www.greateriowacu.org/personal/borrowing/loan-rates/https://www.greateriowacu.org/belong/membership/membership-eligibility/Strict30100%
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OrionFCU3.74%72$776.35$678.53$635.19Jul 2026TN, MS, ARhttps://orionfcu.com/rates/https://orionfcu.com/about-us/membership/Strict
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AndrewsFCU3.74%72$776.35$678.53$635.19Jul 2026MD, DC & VAhttps://www.andrewsfcu.org/Learn/Resources/Rates/New-and-Used-Auto-Loan-Rateshttps://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!
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TechCU3.74%72$776.35$678.53$635.19Jul 2026SF 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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ClearpathFCU3.99%72$782.03$683.50$639.84Jul 2026Southern CAhttps://www.clearpathfcu.org/vehicleloanrates.html
https://www.clearpathfcu.org/whocanjoin.html
Strict60125%Free membership for any CA Resident
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TowerFCU2.24%72$742.80$649.21$607.75Jul 2026UShttps://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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WheelhouseCU5.24%72$810.82$708.66$663.40Jul 2026San 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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HickamFCU1.74%60$870.71$761.00$712.40Jul 2025Honolulu, HI
https://www.hickamfcu.org/resources-security/rates
https://www.hickamfcu.org/membership/membership/membership-eligibilityStrict120%Membership Required: Anyone who lives, works, worships, or attends school in the City and County of Honolulu (Island of Oahu), Hawaii.
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EECU#ERROR!60$0.00$0.00$0.00Jul 2025Fresno, 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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RiverLandFCU2.24%60$881.65$770.56$721.35Jul 2025New Orleanshttps://www.riverlandfcu.org/loan-rates
https://artsneworleans.networkforgood.com/projects/58917-arts-council-membership
Strict
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SharonviewFCU1.99%60$876.17$765.77$716.86Jul 2025
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.
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Delta Community1.98%60$875.95$765.58$716.69Jul 2025Atlanta 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$887.37$775.56$726.03Jul 2025NJ, PA, DEhttp://www.campbellcu.org/about-us/rates/http://www.campbellcu.org/about-us/membership/Strict
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ParkViewFCU2.74%60$892.67$780.19$730.36Jul 2025
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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WescomCU2.49%60$887.15$775.37$725.85Jul 2025Southern 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 there auto insurance. They require you to put down 20% of your purchase price.
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LAFinancialCU2.74%60$892.67$780.19$730.36Jul 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 2.74%. 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 $50 bonus credit for signing up with the credit union
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PasadenaFCU1.85%60$873.11$763.10$714.36Jul 2025Pasadena, 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
2.74%60$892.67$780.19$730.36Jul 2025MA, NHhttps://www.mvcu.com/loan-rateshttps://www.mvcu.com/who-can-joinStrict
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Stanford FCU2.24%60$881.65$770.56$721.35Jul 2025CAhttps://www.sfcu.org/personal/loans/auto/https://oao.sfcu.org/#/applicationStrict30100%
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TowerFCU2.99%60$898.21$785.04$734.90Jul 2025UShttps://www.towerfcu.org/borrow/loan-rates/https://www.towerfcu.org/membership/eligibility/Open60125%
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MCU2.79%60$893.78$781.16$731.27Jul 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 .5% increase penalty if you do not apply for auto pay
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SikorskyCU1.99%60$876.17$765.77$716.86Jul 2025CThttps://www.sikorskycu.org/Learn/Information/Rateshttps://www.sikorskycu.org/Connect/Join/Become-a-MemberStrict100%
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Caltech EFCU2.65%60$890.68$778.45$728.74Jul 2025Pasadena, CAhttps://www.caltechefcu.org/home/products/lending/vehiclehttps://www.caltechefcu.org/home/membership/eligibilityStrict100%Caltech & JPL students/alumni/employees.
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WheelhouseCU2.99%60$898.21$785.04$734.90Jul 2025San Diego, CAhttps://www.wheelhousecu.com/home/rates/autoshttps://ws.loanspq.com/consumer/v2/login/landing.aspx?enc2=CjDDGQgp6ViDEpMSQAmj1J7L372KaaRDo4KMNtUdlXBvtVwOuXwjJxa9MdCJWB1vqli-FAjpnPAPrZkRIx7-2YSSONm3NWOphahA0Tfh2wN8Ab6DKQIq5_qVmLJaE_AiStrict45120%
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APLFCU2.99%60$898.21$785.04$734.90Jul 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.
71
AspireFCU2.99%60$898.21$785.04$734.90Jul 2025UShttps://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.
72
Financial Partners2.99%60$898.21$785.04$734.90Jul 2025CAhttps://www.fpcu.org/new-and-used-auto-loan-rateshttps://www.fpcu.org/open-a-financial-partners-accountStrict6090%Free membership for any CA Resident. I see 3.24% is the rate for 60 months from their website. Response: Sometimes website load in strange ways that throws the data a bit off, refreshed. Not all CA residents are allowed, only certain counties (Orange, San Diego, or Los Angeles Counties; the City of South San Francisco, Riverside, or Alameda in the state of California). You have to call for rates on ev (as of 9/14/19)- just got 2.99% offered, just need to put $25 in savings account - they were REALLY helpful and were on top of this, highly reccomend.;;;;;;;;;;
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DMCU1.99%60$876.17$765.77$716.86Jul 2025MIhttps://dmcu.com/rates/https://forms.joinmycu.com/mop/166/newmember/eligibilityStrict
74
FedChoice2.49%60$887.15$775.37$725.85Jul 2025
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)
75
GEFCU3.00%60$898.43$785.23$735.08Jul 2025Austin, 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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CarolinaCoopCU2.49%60$887.15$775.37$725.85Jul 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
77
Allegacy3.14%60$901.55$787.95$737.63Jul 2025UShttps://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
ClearpathFCU3.24%60$903.78$789.90$739.45Jul 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
79
OrionFCU3.49%60$909.36$794.78$744.02Jul 2025TN, MS, ARhttps://orionfcu.com/rates/https://orionfcu.com/about-us/membership/Strict
80
AndrewsFCU3.49%60$909.36$794.78$744.02Jul 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! 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
GreaterIACU2.84%60$894.88$782.13$732.18Jul 2025IAhttps://www.greateriowacu.org/personal/borrowing/loan-rates/https://www.greateriowacu.org/belong/membership/membership-eligibility/Strict30100%
82
Financial Plus3.49%60$909.36$794.78$744.02Jul 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
84
HickamFCU1.24%48$1,068.25$933.65$874.02Jul 2024Honolulu, 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$1,084.54$947.89$887.35Jul 2024
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
ParkViewFCU2.49%48$1,095.48$957.45$896.30Jul 2024
Harrisonburg, VA
https://www.pvfcu.org/auto-loan-rates/https://www.pvfcu.org/membership/Strict60130% I applied for the loan and the next day got a call. The rep was super friendly and helped me get the low rate.
87
UFCU1.65%48$1,077.14$941.42$881.29Jul 2024Austin, TXhttps://www.ufcu.org/personal/loans/autohttps://www.ufcu.org/about/become-a-memberOpen60100%
88
ClearpathFCU2.74%48$1,100.98$962.26$900.80Jul 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
89
LAFinancialCU2.74%48$1,100.98$962.26$900.80Jul 2024LA - 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 2.74%. 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 $50 bonus credit for signing up with the credit union
90
MerrimackValleyCU
2.74%48$1,100.98$962.26$900.80Jul 2024MA, NHhttps://www.mvcu.com/loan-rateshttps://www.mvcu.com/who-can-joinStrict
92
PasadenaFCU1.85%48$1,081.49$945.22$884.85Jul 2024Pasadena, 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
TowerFCU2.99%48$1,106.50$967.08$905.31Jul 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. Declined with 800+ credit score and over $600k of income
94
MCU2.79%48$1,102.08$963.22$901.70Jul 2024NY, 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
GEFCU2.90%48$1,104.51$965.34$903.69Jul 2024TX
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
Fairwinds2.39%48$1,093.29$955.53$894.51Jul 2024FL
https://www.fairwinds.org/personal/loans/auto/
https://www.fairwinds.org/inside-fairwinds/about-us/Strict30100%Requires autopay from a Fairwinds checking account
97
APLFCU2.99%48$1,106.50$967.08$905.31Jul 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.
98
Financial Plus2.49%48$1,095.48$957.45$896.30Jul 2024Des 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
AspireFCU2.99%48$1,106.50$967.08$905.31Jul 2024UShttps://www.aspirefcu.org/loans/auto-loans/https://www.aspirefcu.org/eligibility-requirements/Open30100%Join ACC with $8
100
USC CU2.49%48$1,095.48$957.45$896.30Jul 2024
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$1,084.54$947.89$887.35Jul 2024MIhttps://dmcu.com/rates/https://forms.joinmycu.com/mop/166/newmember/eligibilityStrict
102
WheelhouseCU2.99%48$1,106.50$967.08$905.31Jul 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
103
CarolinaCoopCU2.49%48$1,095.48$957.45$896.30Jul 2024Gaston, 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
AndrewsFCU3.09%48$1,108.71$969.01$907.12Jul 2024MD, 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!
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