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California Credit Union Auto Loan Calculator, Interest Rates & Overview

Carla Soto
Carla Soto
Updated 27 November 2023
Fact checked

A quick review of California Credit Union auto loans

California Credit Union (CCU) logo
California Credit Union (CCU) offers auto loans with competitive interest rates as low as 4.99% APR and extended terms of up to 84 months. Through CCU, you can finance and refinance new and used vehicles either for personal or business purposes.

In 2017, California Credit Union merged with North Island Credit Union to provide financial solutions in Orange County, Riverside County, and San Diego County. There are currently 14 branches across Los Angeles and Orange Counties and 10 branches in San Diego.

Want to see what a CCU auto loan will cost? Try the California Credit Union auto loan calculator below! All you have to do is enter your desired loan amount and term to see an estimate. You can use the calculator to adjust your loan amount and term to see how it might affect your monthly repayments.

Key California Credit Union auto loan features

  • Minimum loan amount: Undisclosed.
  • Maximum loan amount: Undisclosed.
  • Interest rates: For 36-month loans, APRs start at 4.99% to 18.55%. Meanwhile, loans with an 84-month term range from 6.99% to 13.24% APR
  • Loan terms: 36 to 84 months.
  • Loan fees: Undisclosed.
  • Discounts: Possible lower rates for members.

CCU auto loan options

New and used cars

CCU has extensive auto loan options for used and new vehicles. You can lock in interest rates as low as 4.99% APR for 2013 or newer models with a 36-month term. Then, for a 72-month loan term, rates can range from 6.24% to 20.55% APR. You can finance a new or used car for up to 84 months based on your creditworthiness, collateral, and overall qualifications.

Business vehicles

With business vehicle loans, you can purchase new, pre-owned, or executive autos, vans, trucks, or fleet vehicles. However, they should be titled in California. Plus, you need to maintain primary business deposit relationships with California Credit Union.

CCU auto loan calculator

Provider
Product Information
EST Monthly
Repayment
Interest
Rate
Repayment
Period
Loan
Amounts
Sort loans by

Loan Amount

$25,000

Term

60 months

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California Credit Union

California Credit Union auto loan

California Credit Union auto loan
Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate California Credit Union auto loan
Featured
Achieva Credit Union

Achieva - New Auto Loan

Estimated Month Repayments
$437 Inclusive of fees
Interest Rate
1.89%
APR
Repayment Period
12 months
to 84 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Low fixed interest rates. Flexible terms. Same-day approvals. No hidden fees.
Featured
Bank of America

Bank of America auto loan

Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate Bank of America auto loan

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Minimum and maximum loan periods vary between 1 month and 10 years. Annual Percent Rates (APR) vary between 4.99% and 35.99% p.a. Total interest repayments vary between $592 and $916 over the life of the loan. *APR is based on an unsecured loan of $20,000 over a term of 3 years. WARNING: This APR is true only for the examples and may not include all charges. Different terms, fees or loan amounts might result in a different APR. These rates can change without further notice.

How to apply for a California CU auto loan

Eligibility criteria

Though CCU doesn’t list the hard requirements for an auto loan, you usually need to:

  • Be a Calif Credit Union member
  • Be at least 18 years old or eligible for auto financing
  • Be a U.S. citizen or permanent resident
  • Have a steady source of income

Other than satisfying the requirements, it’s also worth it to understand the steps on how to get an auto loan. This way, you can better gauge your options and prepare yourself for the application process.

How to join California Credit Union

To check if you can join CCU, you should meet at least one of the following criteria:

  • Lives in California and is a current or retired educator, school employee, alumni association member, or PTA member
  • Lives or works in San Diego, Riverside, or Orange County, CA
  • Be an immediate family or household member of a California Credit Union member

What you’ll need to have ready:

When you apply for auto financing with California Credit Union, you’ll be asked to provide personal information such as:

  • An email address
  • Your full name
  • Address
  • Social Security number
  • Employment information
  • Income details
  • U.S. citizenship status
  • A list of monthly expenses

You may need to provide CCU with additional documents to complete your loan request. These documents may include a purchase agreement or bill of sale, car registration and title, instructions for buying out a lease, proof of income (such as federal tax returns and W-2s), and financial statements.

In addition, California Credit Union will require proof of insurance effective from your funding date. This should show the full description of the vehicle and list CCU as the lien holder. Note that your comprehensive and collision coverage needs a maximum deductible of $1,000 that you must maintain over your loan term.

Ways to apply for a CCU auto loan:

  • Apply online by clicking the GO TO SITE link in the table below
  • Visit a branch
  • Call 800-334-8788

Additional California Credit Union auto loan details

  • Automatic payment: Available.
  • Loan approval times: Undisclosed. However, credit unions may generally take 1 business day to a few weeks.
  • Rate discounts: Potential lower rates for members with higher credit scores.
  • Repayment frequency: Monthly.
  • Late payment fees: Undisclosed.
  • Prepayment penalty: Undisclosed.
  • Co-borrowers allowed: Undisclosed.
  • Co-signers: Undisclosed.
  • Ways to repay: Online banking, mobile app, in person, and by mail.
  • Hardship program: Undisclosed.

Vehicle restrictions and limitations

  • Maximum vehicle age: 2013 models.
  • Maximum vehicle mileage: Undisclosed.
  • Other vehicle restrictions: Undisclosed.

Pros and cons

Pros

  • Interest rates as low as 4.99% APR for members.
  • Long loan terms extending up to 84 months.
  • Financing and refinancing options.
  • No loan payments for up to 90 days.
  • Business vehicle loans available.
  • Several ways to apply, be it online, over the phone, or in person.
  • Auto-buying services to help with the search, negotiation, and delivery.

Cons

  • Membership required to get an auto loan.
  • Only available in California.
  • Undisclosed loan fees.
  • Internal refinancing of existing California or North Island Credit Union auto loans not allowed.

Frequently asked questions

Is California Credit Union the same as North Island Credit Union?

CCU joined forces with North Island Credit Union in 2017. Right now, there are 24 branches – 14 in Los Angeles and Orange Counties and 10 in San Diego.

How much interest does California Credit Union charge on auto loans?

  • 36 months: 4.99% to 18.55% APR (2013 or newer models)
  • 48 months: 5.74% to 16.45% APR (2013 or newer models)
  • 66 months: 5.99% to 19.25% APR (2013 or newer models)
  • 72 months: 6.24% to 20.55% APR (2018 or newer models)
  • 84 months: 6.99% to 13.24% APR (2021 or newer models)

Keep in mind that your rates and terms are subject to your credit and loan amount. So, these rates may vary based on your situation.

Does California Credit Union refinance auto loans?

Yes. You can refinance existing car loans from another lender. However, you can’t refinance current CCU or North Island Credit Union auto loans.

How much do I qualify for with a CCU auto loan?

Calif Credit Union doesn’t indicate the minimum and maximum amounts for auto loans. However, how much you can borrow depends on your creditworthiness and overall situation. So, borrowers with higher credit scores can typically borrow more.

What is the length of a California Credit Union car loan?

CCU auto loans can extend up to 84 months. Remember that your creditworthiness will determine the loan term available to you.

How do I pay my CCU auto loan?

You have multiple ways to pay your California Credit Union car loan – online banking, mobile app, in a branch, and by mail.

Video: California Credit Union – Showstopper

Carla Soto
Carla Soto

Carla is a skilled copywriter at BestFind with a background in marketing and communications. She specializes in reviewing personal loan and finance products to help readers navigate the complex world of personal finance.

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