About SDCCU
For eligible Southern California members. Compare rates by vehicle age and term, including loans up to 84 months and the interest cost of a payment deferral.
San Diego County Credit Union offers auto loans to members. People who live or work in its nine listed Southern California counties can qualify for membership, with family and other routes also listed. Its rate page separates vehicle model years and repayment terms. Check the row that matches your car, then compare your approved APR and total cost rather than the lowest advertised rate alone.
What to compare
Check the vehicle year, term and eligibility together.
Rates by term and model year
The rate page lists new and used APRs for terms of 48, 66, 78 and 84 months.
Effective November 2, 2026, new 2025-2027 autos ran from 4.89% to 6.19%, and used 2022-2027 autos from 5.19% to 6.49%.
Up to 100% financing
The auto loan page lists up to 100% financing.
The published auto APRs apply to loans up to 120% of retail value.
90 days with no payments
Qualified buyers can get 90 days with no payments.
Interest accrues from the contract date.
Apply online, in a branch or by phone
The page lists several ways to apply.
You can also set up membership through a franchise dealership when you apply for an auto loan there.
Pros & cons
Pros
- Rates published by term and model year, with an effective date of November 2, 2026.
- New autos start at 4.89% APR as low as, the lowest new-car rate in this group.
- Terms up to 84 months and up to 100% financing.
- 90 days with no payments for qualified buyers.
Cons
- The rate page does not list refinance rates.
- Terms over 66 months need a $15,000 minimum loan, and terms over 78 months need $25,000.
- The 84-month rates are about 1.3 points higher than the shortest terms.
- Interest accrues during the no-payment period.
Published rates and terms
These are the "as low as" fixed APRs from the vehicle loan rates page, effective November 2, 2026 and subject to change.
SDCCU plans at a glance
| Plan | Rate / fee | What is included |
|---|---|---|
| New auto, 2025-2027 | from4.89%APR | Up to 48 or 66 months. 5.19% to 78 months and 6.19% to 84 months.
|
| Used auto, 2022-2027 | from5.19%APR | Up to 48 or 66 months. 5.44% to 78 months and 6.49% to 84 months.
|
| Used auto, 2017-2020 | from5.19%APR | Up to 66 months. Longer terms are not offered.
|
New auto, 2025-2027
Up to 48 or 66 months. 5.19% to 78 months and 6.19% to 84 months.
- Up to 120% of retail value
- Rate valid 30 days
Used auto, 2022-2027
Up to 48 or 66 months. 5.44% to 78 months and 6.49% to 84 months.
- Up to 120% of retail value
- Rate valid 30 days
Used auto, 2017-2020
Up to 66 months. Longer terms are not offered.
- Older model years
- 2021 models reach 78 months
SDCCU at a glance
| Fact | Detail |
|---|---|
| Type | Federally insured (NCUA) credit union, NMLS 580585 |
| Branches | 39 |
| Who can join | People who live or work in nine Southern California counties, or immediate family or household members of a member |
| Other route | Join the Financial Fitness Association for $8 |
| Auto loan states | California, Arizona and Nevada |
| New auto APR as low as | 4.89% to 6.19% by term |
| Longest term | 84 months, up to 100% financing |
| Application | Online, branch or phone, (877) 732-2848 |
How it works
Join SDCCU
Membership is required to apply. You can open an account online, visit a branch, or set up membership at a franchise dealership.
Check the rate table
Find your vehicle's model year and term on the rate page.
Apply
Apply online, at a branch or by phone. SDCCU considers credit score, debt-to-income ratio and credit history.
Lock in the rate
Published rates are valid for 30 days from the original application date.
Close the loan
Loans are subject to approval, and collateral conditions apply.
What the payments add up to
This illustration compares fixed monthly payments. It is not a loan offer or a personalized quote.
- Amount financed
- $30,000.00
- Rate and termFixed-payment illustration
- 4.89% · 60 months
- Total interest
- $3,877.58
- Total paid
- $33,877.58
$564.63 / month
Illustrative paymentAssumes $30,000.00 financed at 4.89% APR for 60 months, with equal monthly payments. Excludes fees, optional products and payment deferrals. Figures use the published rate recorded on November 2, 2026. Your actual rate and payment may differ.
Is SDCCU a good fit?
SDCCU vs. the alternatives
SDCCU
- 4.89% to 6.49% APR as low as
- Terms up to 84 months
- Dated rate table
America First Credit Union
- 5.24% to 7.99% APR as low as (Utah)
- Terms from 5 to 8 years
- Pre-approval offered
Mariner Finance
- 15.99% to 35.99% APR
- Personal installment loan
- 12 to 72 month terms
Compared on published rates; each depends on credit and the date checked.
Before you sign
Where our information comes from
We compare published terms, not personal eligibility or approval. Ratings are editorial estimates on a five-star scale. We did not borrow from these lenders.
- SDCCU: Auto loans: 100% financing, 84 months, 90 days no payments, membership, branch count, NMLS. Checked November 2, 2026.
- SDCCU: Vehicle loan rates: APR table effective November 2, 2026, 30-day validity, minimums, states. Checked November 2, 2026.
- SDCCU: Membership: counties, family and household, $8 Financial Fitness Association. Checked November 2, 2026.
- America First: Auto loans: comparison APRs. Checked November 2, 2026.
- Mariner Finance: Used car loans: comparison APR range. Checked November 2, 2026.
Alternatives
America First Credit Union
Desert Financial Credit Union
Mariner FinanceFrequently asked questions
Who can join SDCCU?
People who live or work in Imperial, Los Angeles, Orange, Riverside, San Bernardino, San Diego, San Luis Obispo, Santa Barbara or Ventura counties can join. So can immediate family or household members of a member. You can also join the Financial Fitness Association for $8.
What are SDCCU's auto loan rates?
Effective November 2, 2026, new 2025-2027 autos ran from 4.89% to 6.19% APR as low as, depending on term. Used 2022-2027 autos ran from 5.19% to 6.49%. Rates depend on credit and other factors.
How long is the no-payment period?
The page offers 90 days with no payments for qualified buyers. Interest accrues from the date of the contract.
Does SDCCU offer refinancing?
The rate page does not list refinance APRs. Ask SDCCU for a refinance quote.