California credit union for school employees and their families, with new, used and refinance auto loans up to 84 months.
Who can join: California school employees and retirees, employees of companies that mainly serve California schools, eligible education students, and immediate family of members.
This is the lowest APR SchoolsFirst Federal Credit Union advertises, reserved for top-tier credit. Your actual rate depends on your credit score, loan term, and the amount you finance.
Pick a repayment term of up to 84 months. A longer term lowers the monthly payment but increases the total interest you pay.
Rates shown are the best advertised APRs as of October 22, 2026. Your actual rate depends on credit, term, and loan amount.
Our 4.4/5 rating for SchoolsFirst Federal 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.
One side-by-side rate table for every major U.S. auto lender. Find your best option in 60 seconds.
See all lenders →