← All lenders

Patelco Credit Union auto loan rates

4.2/5 our editorial rating

Northern California credit union offering new, used and refinance auto loans with up to 140% financing.

Who can join: People who live, work, worship or attend school in 16 Northern California counties or a few other cities, some university students and alumni, family or roommates of members, and sponsor company employees; anyone else can join through the Financial Fitness Association.

From APR
5.19%
Best advertised rate

This is the lowest APR Patelco Credit Union advertises, reserved for top-tier credit. Your actual rate depends on your credit score, loan term, and the amount you finance.

Loan terms
Up to 84
Months

Pick a repayment term of up to 84 months. A longer term lowers the monthly payment but increases the total interest you pay.

Today's Patelco Credit Union rates by loan type

Rates shown are the best advertised APRs as of October 22, 2026. Your actual rate depends on credit, term, and loan amount.

Loan type Term APR (from)
New car 66 mo 5.19% Compare →
Used car 66 mo 5.39% Compare →
Refinance 66 mo 5.39% Compare →

Pros

  • Pre-qualification with no impact to your credit score
  • Up to 140% financing on purchases and refinances
  • Cash-out auto refinance available

Cons

  • 72-month loans need $10,000 and 84-month loans need $15,000
  • Vehicles over 100,000 miles add 0.50% to the rate

How we rate lenders

Our 4.2/5 rating for Patelco Credit Union is computed from the same published data shown on this page. It is not based on opinion or on partner relationships. The formula weighs four things:

Ratings update automatically when a lender's published terms change. Referral fees some lenders pay us have no input into this score.

Compare Patelco Credit Union against the rest.

One side-by-side rate table for every major U.S. auto lender. Find your best option in 60 seconds.

See all lenders →