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 | 3.29% - 19.00% | 5.24% - 19.00% | 5.24% - 19.00% | 5.24% - 19.00% | 5.49% - 19.00% | 5.74% - 19.00% |
| Used Auto: 2019 – 2025 with 5K miles or more | 3.29% - 19.00% | 5.49% - 19.00% | 5.49% - 19.00% | 5.49% - 19.00% | 5.74% - 19.00% | 5.99% - 19.00% |
Rates accurate as of 4/1/2026 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 $23.14 per month per $1,000 borrowed at 5.24% APR for 48-months
- Pay $14.49 per month per $1,000 borrowed at 5.74% 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 4/1/2026 and subject to change.
Minimum loan amount 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 under 28ft
|
Loan to Value
|
APR
|
Loan Amount
|
Term (Months)
|
|---|---|---|---|
| 61% - 80% (new: model year 2025 and newer) | 12.20% | $2,500 or more | 24 - 120 |
| less than 60% (new: model year 2025 and newer) | 11.99% | $2,500 or more | 24 - 120 |
| 61% - 80% (used: maximum three model years old) | 13.20% | $2,500 or more | 24 - 120 |
| less than 60% (used: maximum three model years old) | 12.99% | $2,500 or more | 24 - 120 |
Rates accurate as of 4/1/2026 and subject to change. Maximum LTV is 80% plus tax, license, and all documentation/recording fees.
Minimum loan amount is $2,500. Used boat loans of $10,000 or greater require marine survey.
Payment Examples:
- Pay $14.47 per month per $1000 borrowed at 12.20% APR for 120 months
- Pay $15.06 per month per $1000 borrowed at 13.20% APR for 120 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.