AUTO LOANS

RATES & TERMS

Rates quoted are effective as of EFFECTIVE_DATE and are subject to change without notice.

SchoolsFirst FCU’s loan program features a range of interest rates for some of its consumer loans. A rate is based on a variety of factors, including the applicant’s credit rating. Loan terms are based on various factors, including the amount financed.

All loans subject to credit approval and all auto-related products subject to eligibility requirements.

For more information, visit our website at www.schoolsfirstfcu.org or call 800.462.8328.

New & Used Auto Loans1

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TermRange of Rates - New2Range of Rates - Used2Estimated Payment per $100 Borrowed2
36 monthsCLTYPE0436|T7|Rate - CLTYPE0436|T6|Rate APRCLTYPE0836|T7|Rate - CLTYPE0836|T6|Rate APRCLTYPE0436|T7|Payment - CLTYPE0436|T6|Payment
48 monthsCLTYPE0448|T7|Rate - CLTYPE0448|T6|Rate APRCLTYPE0848|T7|Rate - CLTYPE0848|T6|Rate APRCLTYPE0448|T7|Payment - CLTYPE0448|T6|Payment
60 monthsCLTYPE0460|T7|Rate - CLTYPE0460|T6|Rate APRCLTYPE0860|T7|Rate - CLTYPE0860|T6|Rate APRCLTYPE0460|T7|Payment - CLTYPE0460|T6|Payment
72 monthsCLTYPE0472|T7|Rate - CLTYPE0472|T6|Rate APRCLTYPE0872|T7|Rate - CLTYPE0872|T6|Rate APRCLTYPE0472|T7|Payment - CLTYPE0472|T6|Payment
84 monthsCLTYPE0484|T7|Rate - CLTYPE0484|T6|Rate APRNot AvailableCLTYPE0484|T7|Payment - CLTYPE0484|T6|Payment

Term
36 months
Range of Rates - New2CLTYPE0436|T7|Rate - CLTYPE0436|T6|Rate APR
Range of Rates - Used2CLTYPE0836|T7|Rate - CLTYPE0836|T6|Rate APR

Estimated Payment
per $100 Borrowed2

CLTYPE0436|T7|Payment - CLTYPE0436|T6|Payment
48 months
Range of Rates - New2CLTYPE0448|T7|Rate - CLTYPE0448|T6|Rate APR
Range of Rates - Used2CLTYPE0848|T7|Rate - CLTYPE0848|T6|Rate APR

Estimated Payment
per $100 Borrowed2

CLTYPE0448|T7|Payment - CLTYPE0448|T6|Payment
60 months
Range of Rates - New2CLTYPE0460|T7|Rate - CLTYPE0460|T6|Rate APR
Range of Rates - Used2CLTYPE0860|T7|Rate - CLTYPE0860|T6|Rate APR
Estimated Payment
per $100 Borrowed2
CLTYPE0460|T7|Payment - CLTYPE0460|T6|Payment
72 months
Range of Rates - New2CLTYPE0472|T7|Rate - CLTYPE0472|T6|Rate APR
Range of Rates - Used2CLTYPE0872|T7|Rate - CLTYPE0872|T6|Rate APR
Estimated Payment
per $100 Borrowed2
CLTYPE0472|T7|Payment - CLTYPE0472|T6|Payment
84 months
Range of Rates - New2CLTYPE0484|T7|Rate - CLTYPE0484|T6|Rate APR
Range of Rates - Used2Not Available
Estimated Payment
per $100 Borrowed2
CLTYPE0484|T7|Payment - CLTYPE0484|T6|Payment

First-Time Buyer ​New & Used Auto Loans1

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TermRange of Rates - New2Range of Rates - Used2Estimated Payment per $100 Borrowed2
48 monthsCLTYPE0148|T7|Rate - CLTYPE0148|T6|Rate APRCLTYPE1548|T7|Rate - CLTYPE1548|T6|Rate APRCLTYPE0148|T7|Payment - CLTYPE0148|T6|Payment
60 monthsCLTYPE0160|T7|Rate - CLTYPE0160|T6|Rate APRCLTYPE1560|T7|Rate - CLTYPE1560|T6|Rate APRCLTYPE0160|T7|Payment - CLTYPE0160|T6|Payment

Term
48 months
Range of Rates - New2CLTYPE0148|T7|Rate - CLTYPE0148|T6|Rate APR
Range of Rates - Used2CLTYPE1548|T7|Rate - CLTYPE1548|T6|Rate APR

Estimated Payment
per $100 Borrowed2

CLTYPE0148|T7|Payment - CLTYPE0148|T6|Payment
60 months
Range of Rates - New2CLTYPE0160|T7|Rate - CLTYPE0160|T6|Rate APR
Range of Rates - Used2CLTYPE1560|T7|Rate - CLTYPE1560|T6|Rate APR
Estimated Payment
per $100 Borrowed2
CLTYPE0160|T7|Payment - CLTYPE0160|T6|Payment

Other Related Products

  • Auto Insurance through SchoolsFirst Insurance Services (CA Insurance License 0I19344): We'll help you find reliable coverage at an affordable price, with free, quick and easy quotes from top carriers.
  • MEMBER'S CHOICE™ Guaranteed Asset Protection (GAP) Plus: Designed to cancel the difference between what your insurance company pays you and your outstanding loan balance, if your vehicle is declared a total loss. Also, it may take $1,000 off your next loan with us, when you purchase a replacement vehicle.
  • MEMBER'S CHOICE® Mechanical Repair Coverage (MRC): Helps you manage your vehicle repair expenses.
  • Payment Shield Plus: Designed to cancel your loan payment(s) or balance, if you experience unemployment, disability, or loss of life.

1Financing not to exceed 130% of the Manufacturer’s Suggested Retail Price on new vehicles (Kelley Blue Book Suggested Retail Value on used vehicles) based on creditworthiness; and may include tax, license, documentation fees, GAP and Extended Warranty/MRC.

​2Lowest rate quoted includes a 0.75% discount for payment made by automatic transfer from your SchoolsFirst FCU account. Lowest payment factors based on the lowest rate quoted; highest payment factors are based on the highest rate quoted.