Who qualifies for a SchoolsFirst FCU auto refi?

Membership is open to California school employees, district staff and their family members. You'll need to qualify for membership before applying for an auto refinance.

How low can my SchoolsFirst auto rate go?

As low as 4.59% APR on a 36–60 month new-vehicle refinance — and the lowest rate quoted includes a 0.75% discount for automatic payments from a SchoolsFirst account.

All lenders

Best for: California school employees and family looking for a transparent published rate grid

SchoolsFirst Federal Credit Union

SchoolsFirst FCU — published 36–84 month auto refi rate grid for California school-community members.

Min credit

Not disclosed

APR

4.59%–18.00%

Max vehicle age

Not disclosed

Max mileage

Not disclosed

See your matched lenders and get prequalified. Takes ~3 minutes.

Get matched to lenders and prequalify on banks.com

"Not disclosed" means SchoolsFirst Federal Credit Union does not publish this on their public site. "No restriction" means SchoolsFirst Federal Credit Union explicitly states no limit.

Overview

SchoolsFirst Federal Credit Union publishes a full auto loan rate grid from 36 to 84 months for both new and used vehicles. The lowest rate quoted (4.59% APR new / 4.99% APR used at 36–60 months) includes a 0.75% discount for automatic payments from a SchoolsFirst account.…

What’s great

Published APR grid by term for new and used vehicles
0.75% rate discount for autopay from a SchoolsFirst account
Terms available up to 84 months

What to know

Membership restricted to California school employees and family
FICO floor, mileage cap and vehicle-age cap not published

Eligibility

Minimum credit score	Not disclosed
APR range	4.59% – 18.00% (new vehicle, 36–60 month term; lowest rate includes 0.75% autopay discount; used and longer-term tiers higher)
Maximum vehicle age	Not disclosed
Maximum mileage	Not disclosed
Loan amount range	Not disclosed
Term length	36 – 84 months
States served	1 states
Membership requirement	California school employees, school district staff, and their family members

FAQ

See your matched lenders and get prequalified. Takes ~3 minutes.

Get matched to lenders and prequalify on banks.com

Sources

Every figure on this page is sourced from SchoolsFirst Federal Credit Union's own published materials. Rates, eligibility, and terms can change — verify directly with SchoolsFirst Federal Credit Union before applying.

[1]SchoolsFirst FCU — Auto Loans rates & terms (36–84 month APR grid, 0.75% autopay discount, up to 130% financing) — SchoolsFirst Federal Credit Union
https://www.schoolsfirstfcu.org/rates/auto-loans/
Last checked: September 2026
[2]SchoolsFirst FCU — Refinance an Auto Loan product page — SchoolsFirst Federal Credit Union
https://www.schoolsfirstfcu.org/products/auto-loans/refinance-auto-loans/
Last checked: September 2026