Credit union · California

Community First Credit Union (California) auto loan rates compared

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California · Headquarters CaliforniaChecked Nov 12, 2026Rate page on comfirstcu.org

EligibilityPer Community First: Do you live, work, worship, or go to school in Humboldt, Lake, Marin, Mendocino, Napa, Sonoma, or Trinity County? (or have an immediate relative who does?) If the answer to any of those is YES, you’re totally eligible to become a Community First member!

Visit lender Opens comfirstcu.org

Lowest new rate

4.49%APR, as low as

NewUp to 36 monthsCommunity First Credit Union (California)

Example: $25,000 financed for 36 months at 4.49% APR. Estimated payment: $744/mo

North Bay & coast countiesNorth Bay & coast counties: For a specific group: only open to people who live, work, worship, or go to school in Humboldt, Lake, Marin, Mendocino, Napa, Sonoma, or Trinity County, or have an immediate relative who does. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.

CA lender. Not all qualify, see requirements.

Examples assume $25,000 financed, fixed APR, $0 down, no fees.

Lenders

Tagged rates need something extra, like autopay or a specific dealer. Untagged rates are the lender's standard rate.

Examples assume $25,000 financed, fixed APR, $0 down, no fees.

NewNew car rates · 5 rates

CAChecked Nov 12, 2026

New
As low as

4.49%APRUp to 36 months

Example: $25,000 financed for 36 months at 4.49% APR. Estimated payment: $744/mo

Requires:North Bay & coast countiesNorth Bay & coast counties: For a specific group: only open to people who live, work, worship, or go to school in Humboldt, Lake, Marin, Mendocino, Napa, Sonoma, or Trinity County, or have an immediate relative who does. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

New Auto Rates* Credit score 720+, 0 TO 36 MONTHS: 4.49%. *As low as 4.49%. Rates expressed as APR. APR=Annual Percentage Rate. Effective: November 12th, 2026.

Checked Nov 12, 2026Source comfirstcu.org

Calculate payment, Community First Credit Union (California), 4.49% APR, new, up to 36 monthsVisit lender, Community First Credit Union (California), 4.49% APR, new, up to 36 months ↗

CAChecked Nov 12, 2026

New
As low as

4.59%APR24–60 months

Example: $25,000 financed for 60 months at 4.59% APR. Estimated payment: $468/mo

Requires:North Bay & coast countiesNorth Bay & coast counties: For a specific group: only open to people who live, work, worship, or go to school in Humboldt, Lake, Marin, Mendocino, Napa, Sonoma, or Trinity County, or have an immediate relative who does. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

New Auto Rates* Credit score 720+, 24 TO 60 MONTHS: 4.59%. *As low as 4.49%. Rates expressed as APR. APR=Annual Percentage Rate. Effective: November 12th, 2026.

Checked Nov 12, 2026Source comfirstcu.org

Calculate payment, Community First Credit Union (California), 4.59% APR, new, 24–60 monthsVisit lender, Community First Credit Union (California), 4.59% APR, new, 24–60 months ↗

CAChecked Nov 12, 2026

New
As low as

4.89%APR61–72 months

Example: $25,000 financed for 72 months at 4.89% APR. Estimated payment: $402/mo

Requires:North Bay & coast countiesNorth Bay & coast counties: For a specific group: only open to people who live, work, worship, or go to school in Humboldt, Lake, Marin, Mendocino, Napa, Sonoma, or Trinity County, or have an immediate relative who does. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

New Auto Rates* Credit score 720+, 61 TO 72 MONTHS: 4.89%. *As low as 4.49%. Rates expressed as APR. APR=Annual Percentage Rate. Effective: November 12th, 2026.

Checked Nov 12, 2026Source comfirstcu.org

Calculate payment, Community First Credit Union (California), 4.89% APR, new, 61–72 monthsVisit lender, Community First Credit Union (California), 4.89% APR, new, 61–72 months ↗

CAChecked Nov 12, 2026

New
As low as

5.39%APR73–84 months

Example: $25,000 financed for 84 months at 5.39% APR. Estimated payment: $358/mo

Requires:North Bay & coast countiesNorth Bay & coast counties: For a specific group: only open to people who live, work, worship, or go to school in Humboldt, Lake, Marin, Mendocino, Napa, Sonoma, or Trinity County, or have an immediate relative who does. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

New Auto Rates* Credit score 720+, 73 TO 84 MONTHS: 5.39%. *As low as 4.49%. Rates expressed as APR. APR=Annual Percentage Rate. Effective: November 12th, 2026.

Checked Nov 12, 2026Source comfirstcu.org

Calculate payment, Community First Credit Union (California), 5.39% APR, new, 73–84 monthsVisit lender, Community First Credit Union (California), 5.39% APR, new, 73–84 months ↗

CAChecked Nov 12, 2026

New
As low as

6.04%APR85–96 months

Example: $25,000 financed for 96 months at 6.04% APR. Estimated payment: $330/mo

Requires:North Bay & coast countiesNorth Bay & coast counties: For a specific group: only open to people who live, work, worship, or go to school in Humboldt, Lake, Marin, Mendocino, Napa, Sonoma, or Trinity County, or have an immediate relative who does. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

New Auto Rates* Credit score 720+, 85 TO 96 MONTHS: 6.04%. *As low as 4.49%. Rates expressed as APR. APR=Annual Percentage Rate. Effective: November 12th, 2026.

Checked Nov 12, 2026Source comfirstcu.org

Calculate payment, Community First Credit Union (California), 6.04% APR, new, 85–96 monthsVisit lender, Community First Credit Union (California), 6.04% APR, new, 85–96 months ↗
4.49%APR

New car

Visit lender, Community First Credit Union (California), 4.49% APR, new, up to 36 months

CAChecked Nov 12, 2026Up to 36 months

Example: $25,000 financed for 36 months at 4.49% APR. Estimated payment: $744/mo

North Bay & coast countiesNorth Bay & coast counties: For a specific group: only open to people who live, work, worship, or go to school in Humboldt, Lake, Marin, Mendocino, Napa, Sonoma, or Trinity County, or have an immediate relative who does. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures
4.59%APR

New car

Visit lender, Community First Credit Union (California), 4.59% APR, new, 24–60 months

CAChecked Nov 12, 202624–60 months

Example: $25,000 financed for 60 months at 4.59% APR. Estimated payment: $468/mo

North Bay & coast countiesNorth Bay & coast counties: For a specific group: only open to people who live, work, worship, or go to school in Humboldt, Lake, Marin, Mendocino, Napa, Sonoma, or Trinity County, or have an immediate relative who does. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures
4.89%APR

New car

Visit lender, Community First Credit Union (California), 4.89% APR, new, 61–72 months

CAChecked Nov 12, 202661–72 months

Example: $25,000 financed for 72 months at 4.89% APR. Estimated payment: $402/mo

North Bay & coast countiesNorth Bay & coast counties: For a specific group: only open to people who live, work, worship, or go to school in Humboldt, Lake, Marin, Mendocino, Napa, Sonoma, or Trinity County, or have an immediate relative who does. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures
5.39%APR

New car

Visit lender, Community First Credit Union (California), 5.39% APR, new, 73–84 months

CAChecked Nov 12, 202673–84 months

Example: $25,000 financed for 84 months at 5.39% APR. Estimated payment: $358/mo

North Bay & coast countiesNorth Bay & coast counties: For a specific group: only open to people who live, work, worship, or go to school in Humboldt, Lake, Marin, Mendocino, Napa, Sonoma, or Trinity County, or have an immediate relative who does. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures
6.04%APR

New car

Visit lender, Community First Credit Union (California), 6.04% APR, new, 85–96 months

CAChecked Nov 12, 202685–96 months

Example: $25,000 financed for 96 months at 6.04% APR. Estimated payment: $330/mo

North Bay & coast countiesNorth Bay & coast counties: For a specific group: only open to people who live, work, worship, or go to school in Humboldt, Lake, Marin, Mendocino, Napa, Sonoma, or Trinity County, or have an immediate relative who does. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

UsedUsed car rates · 4 rates

CAChecked Nov 12, 2026

Used
As low as

4.84%APRUp to 36 months

Example: $25,000 financed for 36 months at 4.84% APR. Estimated payment: $748/mo

Requires:North Bay & coast countiesNorth Bay & coast counties: For a specific group: only open to people who live, work, worship, or go to school in Humboldt, Lake, Marin, Mendocino, Napa, Sonoma, or Trinity County, or have an immediate relative who does. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Used Auto Rates* Credit score 720+, 0 TO 36 MONTHS: 4.84%. Rates expressed as APR. Effective:8.13.2026 November 12th, 2026. Mileage over 100K, add 1%; Vehicles more than 10 yrs, add 1% (subject to underwriter approval).

Checked Nov 12, 2026Source comfirstcu.org

Calculate payment, Community First Credit Union (California), 4.84% APR, used, up to 36 monthsVisit lender, Community First Credit Union (California), 4.84% APR, used, up to 36 months ↗

CAChecked Nov 12, 2026

Used
As low as

5.39%APR37–60 months

Example: $25,000 financed for 60 months at 5.39% APR. Estimated payment: $477/mo

Requires:North Bay & coast countiesNorth Bay & coast counties: For a specific group: only open to people who live, work, worship, or go to school in Humboldt, Lake, Marin, Mendocino, Napa, Sonoma, or Trinity County, or have an immediate relative who does. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Used Auto Rates* Credit score 720+, 37 TO 60 MONTHS: 5.39%. Rates expressed as APR. Effective:8.13.2026 November 12th, 2026. Mileage over 100K, add 1%; Vehicles more than 10 yrs, add 1% (subject to underwriter approval).

Checked Nov 12, 2026Source comfirstcu.org

Calculate payment, Community First Credit Union (California), 5.39% APR, used, 37–60 monthsVisit lender, Community First Credit Union (California), 5.39% APR, used, 37–60 months ↗

CAChecked Nov 12, 2026

Used
As low as

5.69%APR61–72 months

Example: $25,000 financed for 72 months at 5.69% APR. Estimated payment: $411/mo

Requires:North Bay & coast countiesNorth Bay & coast counties: For a specific group: only open to people who live, work, worship, or go to school in Humboldt, Lake, Marin, Mendocino, Napa, Sonoma, or Trinity County, or have an immediate relative who does. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Used Auto Rates* Credit score 720+, 61 TO 72 MONTHS: 5.69%. Rates expressed as APR. Effective:8.13.2026 November 12th, 2026. Mileage over 100K, add 1%; Vehicles more than 10 yrs, add 1% (subject to underwriter approval).

Checked Nov 12, 2026Source comfirstcu.org

Calculate payment, Community First Credit Union (California), 5.69% APR, used, 61–72 monthsVisit lender, Community First Credit Union (California), 5.69% APR, used, 61–72 months ↗

CAChecked Nov 12, 2026

Used
As low as

6.19%APR73–84 months

Example: $25,000 financed for 84 months at 6.19% APR. Estimated payment: $368/mo

Requires:North Bay & coast countiesNorth Bay & coast counties: For a specific group: only open to people who live, work, worship, or go to school in Humboldt, Lake, Marin, Mendocino, Napa, Sonoma, or Trinity County, or have an immediate relative who does. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Used Auto Rates* Credit score 720+, 73 TO 84 MONTHS: 6.19%. Rates expressed as APR. Effective:8.13.2026 November 12th, 2026. Mileage over 100K, add 1%; Vehicles more than 10 yrs, add 1% (subject to underwriter approval).

Checked Nov 12, 2026Source comfirstcu.org

Calculate payment, Community First Credit Union (California), 6.19% APR, used, 73–84 monthsVisit lender, Community First Credit Union (California), 6.19% APR, used, 73–84 months ↗
4.84%APR

Used car

Visit lender, Community First Credit Union (California), 4.84% APR, used, up to 36 months

CAChecked Nov 12, 2026Up to 36 months

Example: $25,000 financed for 36 months at 4.84% APR. Estimated payment: $748/mo

North Bay & coast countiesNorth Bay & coast counties: For a specific group: only open to people who live, work, worship, or go to school in Humboldt, Lake, Marin, Mendocino, Napa, Sonoma, or Trinity County, or have an immediate relative who does. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures
5.39%APR

Used car

Visit lender, Community First Credit Union (California), 5.39% APR, used, 37–60 months

CAChecked Nov 12, 202637–60 months

Example: $25,000 financed for 60 months at 5.39% APR. Estimated payment: $477/mo

North Bay & coast countiesNorth Bay & coast counties: For a specific group: only open to people who live, work, worship, or go to school in Humboldt, Lake, Marin, Mendocino, Napa, Sonoma, or Trinity County, or have an immediate relative who does. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures
5.69%APR

Used car

Visit lender, Community First Credit Union (California), 5.69% APR, used, 61–72 months

CAChecked Nov 12, 202661–72 months

Example: $25,000 financed for 72 months at 5.69% APR. Estimated payment: $411/mo

North Bay & coast countiesNorth Bay & coast counties: For a specific group: only open to people who live, work, worship, or go to school in Humboldt, Lake, Marin, Mendocino, Napa, Sonoma, or Trinity County, or have an immediate relative who does. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures
6.19%APR

Used car

Visit lender, Community First Credit Union (California), 6.19% APR, used, 73–84 months

CAChecked Nov 12, 202673–84 months

Example: $25,000 financed for 84 months at 6.19% APR. Estimated payment: $368/mo

North Bay & coast countiesNorth Bay & coast counties: For a specific group: only open to people who live, work, worship, or go to school in Humboldt, Lake, Marin, Mendocino, Napa, Sonoma, or Trinity County, or have an immediate relative who does. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures