| Loan Types | Rates as low as (APR)* | Maximum Limits |
|---|---|---|
| New Auto | ||
| 24 – 60 Months | 4.74% | 125% of MSRP |
| 61 – 72 Months | 4.74% | 125% of MSRP |
| 73 – 84 Months | 4.74% | 125% of MSRP |
| New Auto GPS Loan | ||
| up to 60 Months | 18.49% | 75% of MSRP Maximum $25,000 |
| Used Auto (last 8 model years) | ||
| 24 – 60 Months | 4.99% | 120% of high book and <150k miles |
| 61 – 72 Months | 4.99% | 120% of high book and <150k miles |
| 73 – 84 Months | 4.99% | 120% of high book and <150k miles |
| Used Auto (8 to 20 model years and under 250k miles) | ||
| 60 Months | 6.99% | 90% of high book |
| Used Auto GPS (last 8 model years) | ||
| 60 Months | 18.49% | 75% of high Book Maximum $15,000 and <150K miles |
| Kickstart New Auto | ||
| up to 72 Months | 3.74% | 125% of MSRP Maximum $30,000 |
| Kickstart Used Auto | ||
| up to 72 Months (last 8 model years) | 5.74% | 120% of high book Maximum $30,000 and <150k miles |
| up to 60 Months (8 to 20 model years and under 250k miles) | 7.74% | 90% of high book |
| New Motorhomes | ||
| 240 Months | 8.74% | 125% of MSRP |
| Used Motorhomes (last 8 model years) | ||
| 240 Months | 9.74% | 120% of high book and <150k miles |
| New Travel Trailer | ||
| 240 Months | 8.74% | 125% of MSRP |
| Used Travel Trailer (last 8 model years) | ||
| 240 Months | 9.74% | 120% of high book and <150k miles |
| New Motorcycle | ||
| 72 Months | 6.74% | 125% of MSRP |
| Used Motorcycle (last 8 model years) | ||
| 72 Months | 6.99% | 120% of high book |
| Used Motorcycle (older than 8 model years, max 15 years) | ||
| 60 Months | 7.75% | 90% of high book |
* Rates shown include ¼% Secure Checking account discount. Excludes all auto GPS loans. Get an additional 1% rate discount on your qualifying loan rate when you purchase a car from Enterprise and fund with F3CU! Your APR is based on credit qualification.
🚨RATE MATCH PROGRAM🚨
We have the best auto rates in the Bay Area, but if you find a better one, we’ll match it!*
Rates are current as of 04/01/2026
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