Vehicle Loan Rates
Check our latest rates for commuter vehicles and weekend getaways
Four wheels, two wheels, no wheels (but with a rudder). Find the loan you need for your car, truck, motorcycle or boat.
Explore competitive savings, loan, and mortgage rates from KeyPoint Credit Union designed to help you maximize value and plan confidently. Serving the San Francisco Bay Area, Santa Barbara County and beyond.
Auto Loans – New and Used
|
New and Used
|
24 Months
|
36 Months
|
48 Months
|
60 Months
|
72 Months
|
84 Months
|
|---|---|---|---|---|---|---|
| New Auto: 2026 or 2025 with under 5K miles | 3.54% - 19.00% | 5.49% - 19.00% | 5.49% - 19.00% | 5.49% - 19.00% | 5.74% - 19.00% | 5.99% - 19.00% |
| Used Auto: 2019 – 2025 with 5K miles or more | 3.54% - 19.00% | 5.74% - 19.00% | 5.74% - 19.00% | 5.74% - 19.00% | 5.99% - 19.00% | 6.24% - 19.00% |
Rates accurate as of 8/12/2026 and subject to change. All loans and terms are subject to credit approval. Rate is based on credit worthiness and other factors and may be higher than the rate shown. Loan rates on 2016 to 2018 model years are 2.00% higher than the rate for which the applicant otherwise qualifies. The final loan rate cannot be less than the FLOOR RATE of 1.49%.
Minimum loan amount is $5,000 (exceptions are possible for < $5,000).
90-day Deferral of First Payment is available to qualified applicants on all programs.
Payment Examples:
- Pay $23.26 per month per $1,000 borrowed at 5.49% APR for 48-months
- Pay $14.61 per month per $1,000 borrowed at 5.99% APR for 84-months
Motorcycles - New and Used
|
New and Used
|
36 Months
|
48 Months
|
60 Months
|
72 Months
|
|---|---|---|---|---|
| New Motorcycle: Model year 2026 and newer | 6.24% | 6.74% | 6.99% | 7.24% |
| Used Motorcycle: Maximum five model years old | 6.49% | 6.74% | 6.99% | 7.24% |
Rates accurate as of 8/1/2026 and subject to change. Minimum loan amount for new motorcycles is $3,000. Minimum loan amount for used motorcycles is $5,000. Maximum loan amount is $50,000.
Payment Example:
- Pay $23.84 per month per $1,000 borrowed at 6.74% APR for 48-months
Recreational Vehicles and Boats
|
Loan Type
|
Loan Term
|
Annual Percentage Rate (APR)
|
Monthly Payment (for each $1,000 borrowed at the maximum term)
|
|---|---|---|---|
| New Recreational Vehicles and Boats (Model year 2026 and newer) |
60 months | 7.49% - 19.00% | $20.04 - $25.95 |
| New Recreational Vehicles and Boats (Model year 2026 and newer) |
84 months | 7.74% - 19.00% | $15.46 - $21.62 |
| New Recreational Vehicles and Boats (Model year 2026 and newer) |
120 months | 7.99% - 19.00% | $12.13 - $18.68 |
| Used Recreational Vehicles and Boats (Maximum 6 model years old) |
60 months | 7.74% - 19.00% | $20.16 - $25.95 |
| Used Recreational Vehicles and Boats (Maximum 6 model years old) |
84 months | 7.99% - 19.00% | $15.59 - $21.62 |
| Used Recreational Vehicles and Boats (Maximum 6 model years old) |
120 months | 8.24% - 19.00% | $12.27 - $18.68 |
Rates accurate as of 8/1/2026 and subject to change. Minimum loan amount is $2,500. Maximum LTV is 90% plus tax, license, and all documentation/recording fees.
Payment Example:
- Pay $15.46 per month per $1000 borrowed at 7.74% APR for 84 months
All loans subject to credit approval. Rate is based on creditworthiness and other factors and may be higher than the rate shown. Rates and terms subject to change without notice.