Auto Rates

Auto loan rates specially priced to keep more money in your pocket. Call us at (858) 495-1645 today.

Auto Loans

Effective March 31, 2015
Rates: Annual Percentage Rates (APRs) show our lowest auto loan rates

Drive home savings with low auto loan rates and refinances as low as 1.48% APR*. Auto loan rates and terms are good for new and used cars and trucks with up to 110% financing, plus you may qualify to make no payments for 90 days.** Plus, since our auto loan rates are lower than the competition, members save an average of $800 in interest over the life of their loan!***

Need more information on our auto loan rates? Enter your info on our Contact Me page and we'll contact you when it is convenient for you.

Auto
RV & Boat Loans
Recreational Sport Vehicle Loans
Motorcycle Loans
Maximum Term APR*
(As Low As)
Rate Type
Model Years 2011 or Newer
Up to 36 Months 1.48% Fixed
37 to 48 Months 1.48% Fixed
49 to 66 Months 1.88% Fixed
67 to 75 Months 1.98% Fixed
76 to 84 Months 3.98% Fixed
Model Years 2004 - 2010
Up to 36 Months 1.98% Fixed
37 to 48 Months 1.98%
Fixed 
49 to 66 Months 2.38% Fixed
67 to 75 Months 2.48% Fixed
Model Years 2003 or Older, or Classic/Exotic/Specialty Vehicles
Up to 36 Months
3.48% Fixed
37 to 48 Months
3.48%
Fixed
49 to 66 Months
3.88%
Fixed
67 to 75 Months
3.98%
Fixed

Rates subject to change without notice.

Amount Financed: Some applicants may require a down payment.

*APR = Annual Percentage Rate. Final loan rate with combined discounts or promotions not to be lower than 1.98% APR.

Model Years 2011 or Newer

For 3 years (36 months) at 1.48% APR estimated monthly payment is $28.42 per $1,000 borrowed. For 4 years (48 months) at 1.48% APR estimated monthly payment is $21.48 per $1,000 borrowed. For 51/2 years (66 months) at 1.88% APR estimated monthly payment is $15.97 per $1,000 borrowed. For 6 years and 3 months (75 months) at 1.98% APR estimated monthly payment is $14.19 per $1,000 borrowed. For 7 years (84 months) at 3.98% APR estimated monthly payment is $13.67 per $1,000 borrowed.  

Maximum Term: Offer good for all 2011 or newer model years up to 51/2 years (66 months). Terms of 6 years and 3 months (75 months) require a minimum loan amount of $12,000. Terms of 7 years (84 months) on loan amounts of $25,000 and above. 

Model Years 2004 - 2010

For 3 years (36 months) at 1.98% APR estimated monthly payment is $28.64 per $1,000 borrowed. For 4 years (48 months) at 1.98% APR estimated monthly payment is $21.69 per $1,000 borrowed. For 51/2 years (66 months) at 2.38% APR estimated monthly payment is $16.19 per $1,000 borrowed. For 6 years and 3 months (75 months) at 2.48% APR estimated monthly payment is $14.41 per $1,000 borrowed.  

Maximum Term: Offer good for all 2004 - 2010 model years up to 4 years (48 months). Terms of 51/2 years (66 months) require a minimum loan amount of $12,000. Terms of 6 years and 3 months (75 months) on loan amounts of $25,000 and above.

Model Years 2003 or Older, or Classic/Exotic/Specialty Vehicles

For 3 years (36 months) at 3.48% APR estimated monthly payment is $29.30 per $1,000 borrowed. For 4 years (48 months) at 3.48% APR estimated monthly payment is $22.36 per $1,000 borrowed. For 51/2 years (66 months) at 3.88% APR estimated monthly payment is $16.86 per $1,000 borrowed. For 6 years and 3 months (75 months) at 3.98% APR estimated monthly payment is $15.09 per $1,000 borrowed. 

Maximum Term: Offer good for all model years 2003 and older, or Classic/Exotic/Specialty vehicles for up to 4 years (48 months). Terms of 51/2 years (66 months) require a minimum loan amount of $12,000. Terms of 6 years and 3 months (75 months) on loan amounts of $25,000 and above. 

**90-day deferred payment option available for qualified borrowers. Interest accrues immediately.

***Datatrac Great Rate Awards® certify that the rate offered by a financial institution’s product outperformed the market average of institutions monitored by Datatrac for a stated period. For more information, visit www.GreatRateAward.com. Based upon Datatrac research as of 3/12/15, a 48 month used auto loan with CCCU is up to 61% lower than the average rate for similar products in San Diego, CA based on a $25,000 loan. 

Annual Percentage Rates (APR) listed are our best rates and may be higher based on credit history. All loans subject to approval. Restrictions apply.

Maximum Term                     APR*
(As Low As)
Rate Type
Model Years 2011 and Newer
66 Months 6.88% Fixed
75 Months 7.88% Fixed
84 Months 8.88% Fixed
180 Months  9.88% Fixed 

Rates subject to change without notice. All loans subject to approval.

*APR = Annual Percentage Rate. Annual Percentage Rates listed are our best rates and may be higher based on credit history. 

For 51/2 (66 months) at 6.88% APR estimated monthly payment is $18.25 per $1,000 borrowed. For 6 years and 3 months (75 months) at 7.88% APR estimated monthly payment is $16.94 per $1,000 borrowed. For 7 years (84 months) at 8.88% APR estimated monthly payment is $16.04 per $1,000 borrowed. For 15 years (180 months) at 9.88% APR estimated monthly payment is $10.69 per $1,000 borrowed. 

Maximum Term: Offer good for all model years 2011 and newer for up to 51/2 (66 months). Terms of 6 years and 3 months (75 months) require a minimum loan amount of $12,000. Terms of 7 years (84 months) on loan amounts of $50,000 and above. Terms of 15 years (180 months) on loan amounts of $100,000 and above. 

Amount Financed: Up to 100% of purchase price or 100% of NADA Low Retail (whichever is less) including tax, title, and license. In addition, loan protection products can be added above the Max LTV %. Some applicants may require a down payment.

Maximum Term APR*
(As Low As)
Rate Type
Model Years 2011 and Newer
48 Months 5.88% Fixed
66 Months 6.88% Fixed
75 Months 8.88% Fixed

Rates subject to change without notice. All loans subject to approval.

*APR = Annual Percentage Rate. Annual Percentage Rates listed are our best rates and may be higher based on credit history. 

For 4 years (48 months) at 5.88% APR estimated monthly payment is $23.44 per $1,000 borrowed. For 51/2 years (66 months) at 6.88% APR estimated monthly payment is $18.25 per $1,000 borrowed. For 6 years and 3 months (75 months) at 8.88% APR estimated monthly payment is $17.43 per $1,000 borrowed. 

Maximum Term: Offer good for all model years 2011 and newer for up to 4 years (48 months). Terms of 51/2 years (66 months) require a minimum loan amount of $12,000. Terms of 6 years and 3 months (75 months) on loan amounts of $25,000 and above. 

Amount Financed: Up to 90% of purchase price or 90% of NADA Low Retail (whichever is less) including tax, title, and license. In addition, loan protection products can be added above the Max LTV %. Some applicants may require a down payment.

Maximum Term APR*
(As Low As)
Rate Type
Model Years 2011 and Newer
48 Months 5.88% Fixed
66 Months 6.88% Fixed
75 Months 8.88% Fixed

Rates subject to change without notice. All loans subject to approval.

*APR = Annual Percentage Rate. Annual Percentage Rates listed are our best rates and may be higher based on credit history. 

For 4 years (48 months) at 5.88% APR estimated monthly payment is $23.44 per $1,000 borrowed. For 51/2 years (66 months) at 6.88% APR estimated monthly payment is $18.25 per $1,000 borrowed. For 6 years and 3 months (75 months) at 8.88% APR estimated monthly payment is $17.43 per $1,000 borrowed. 

Maximum Term: Offer good for all model years 2011 and newer for up to 4 years (48 months). Terms of 51/2 years (66 months) require a minimum loan amount of $12,000. Terms of 6 years and 3 months (75 months) on loan amounts of $25,000 and above. 

Amount Financed: Up to 90% of purchase price or 90% of NADA Low Retail (whichever is less) including tax, title, and license. In addition, loan protection products can be added above the Max LTV %. Some applicants may require a down payment.

We always have your best interest in mind. It shows in everything we do.

Our members are our most valuable asset. That’s why everything we do — from the accounts, loans and rates we offer, to the personalized caring attention we provide — is designed to help you to achieve your goals.

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