Auto Loans · California
238 credit unions in California report car loan rates to the NCUA. Rates range from 1.99% to 8.49%.
Updated Q1 2026 · NCUA Call Report data
238
CUs Reporting Rates
1.99%
Lowest New Car Rate
5.42%
State Average Rate
153
Cities Covered
238 credit unions with reported rates, sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | SAG-AFTRA Burbank | 1.99% | 6.49% |
| 2 | CHULA VISTA CITY EMPLOYEES Chula Vista | 1.99% | 1.99% |
| 3 | MARIN COUNTY SAN RAFAEL | 2.64% | 2.64% |
| 4 | FONTANA Fontana | 2.74% | 3.74% |
| 5 | FARMERS INSURANCE Burbank | 2.74% | 6.24% |
| 6 | REDLANDS CITY EMPLOYEES Redlands | 2.75% | 4.25% |
| 7 | CALIFORNIA LITHUANIAN Santa Monica | 2.99% | 5.49% |
| 8 | FRESNO GRANGERS FRESNO | 2.99% | 3.99% |
| 9 | MYPOINT San Diego | 3.09% | 5.99% |
| 10 | SUNKIST EMPLOYEES Valencia | 3.25% | 2.40% |
| 11 | KEYPOINT San Jose | 3.49% | 5.99% |
| 12 | MARYKNOLL OF L A Los Angeles | 3.49% | 4.49% |
| 13 | VA DESERT PACIFIC Long Beach | 3.90% | 3.90% |
| 14 | NUVISION HUNTINGTON BEAC | 3.99% | 6.59% |
| 15 | EDUCATIONAL EMPLOYEES FRESNO | 3.99% | 4.49% |
| 16 | SAFE 1 BAKERSFIELD | 3.99% | 4.49% |
| 17 | VALLEY OAK Three Rivers | 3.99% | 3.99% |
| 18 | LOS ANGELES LEE Los Angeles | 3.99% | 3.99% |
| 19 | CENTER CITY COMMUNITY Buena Park | 3.99% | 4.35% |
| 20 | UNIVERSITY Los Angeles | 3.99% | 5.99% |
| 21 | EL MONTE COMMUNITY El Monte | 3.99% | 6.99% |
| 22 | SANTA ANA Santa Ana | 3.99% | 3.99% |
| 23 | SEA WEST COAST GUARD OAKLAND | 3.99% | 4.39% |
| 24 | SEA AIR Seal Beach | 4.02% | 5.54% |
| 25 | MOJAVE PLANT EMPLOYEES MOJAVE | 4.20% | 8.63% |
| 26 | FRESNO POLICE DEPARTMENT fresno | 4.23% | 5.11% |
| 27 | UNIVERSAL CITY STUDIOS Burbank | 4.23% | 5.24% |
| 28 | UNION YES ORANGE | 4.25% | 5.25% |
| 29 | DENOCOS CRESCENT CITY | 4.29% | 5.66% |
| 30 | UTILITY DISTRICT OAKLAND | 4.30% | 6.23% |
| 31 | FOUNTAIN VALLEY Fountain Valley | 4.37% | 5.84% |
| 32 | EMPLOYEES CHOICE El Cajon | 4.38% | 4.38% |
| 33 | COMPASS COMMUNITY Eureka | 4.45% | 6.41% |
| 34 | ROLLING F TURLOCK | 4.46% | 6.27% |
| 35 | LONG BEACH FIREMEN S Long Beach | 4.46% | 5.22% |
| 36 | CALTECH EMPLOYEES La Canada | 4.49% | 4.49% |
| 37 | F & A MONTEREY PARK | 4.50% | 4.50% |
| 38 | BAKERSFIELD CITY EMPLOYEES BAKERSFIELD | 4.50% | 5.00% |
| 39 | CENTRAL VALLEY FIREFIGHTERS FRESNO | 4.52% | 6.10% |
| 40 | SRI MENLO PARK | 4.56% | 5.01% |
| 41 | POLAM Redwood City | 4.57% | 5.99% |
| 42 | CHAFFEY Upland | 4.59% | 4.99% |
| 43 | CALIFORNIA COAST San Diego | 4.68% | 4.68% |
| 44 | MISSION CITY Santa Clara | 4.69% | 6.50% |
| 45 | SAN DIEGO COUNTY San Diego | 4.69% | 4.99% |
| 46 | SAN MATEO CITY EMPLOYEES SAN MATEO | 4.71% | 5.47% |
| 47 | NORTHROP GRUMMAN Gardena | 4.74% | 5.09% |
| 48 | SCHOOLSFIRST SANTA ANA | 4.74% | 5.44% |
| 49 | 1ST NORTHERN CALIFORNIA Martinez | 4.74% | 4.74% |
| 50 | GAIN Burbank | 4.75% | 5.49% |
| 51 | SANTA BARBARA COUNTY SANTA BARBARA | 4.75% | 4.75% |
| 52 | SOUTH BAY Redondo Beach | 4.75% | 4.99% |
| 53 | UNITED CATHOLICS COVINA | 4.75% | 5.69% |
| 54 | STAR ONE SUNNYVALE | 4.75% | 4.75% |
| 55 | OLIVE VIEW EMPLOYEES SYLMAR | 4.80% | 6.78% |
| 56 | TULARE COUNTY Tulare | 4.83% | 6.09% |
| 57 | SAN FRANCISCO FIRE San Francisco | 4.88% | 5.00% |
| 58 | CLEARPATH Burbank | 4.89% | 5.35% |
| 59 | INTERFAITH MONTCLAIR | 4.89% | 6.96% |
| 60 | L.A. HEALTHCARE LOS ANGELES | 4.90% | 7.98% |
| 61 | MCKESSON & HEALTHCARE PROVIDERS Martinez | 4.94% | 6.44% |
| 62 | LASSEN COUNTY Susanville | 4.96% | 5.34% |
| 63 | SHELL WESTERN STATES Martinez | 4.97% | 5.55% |
| 64 | GLENDALE AREA SCHOOLS GLENDALE | 4.98% | 5.86% |
| 65 | CHEVRON Concord | 4.99% | 5.89% |
| 66 | LOS ANGELES POLICE Van Nuys | 4.99% | 5.24% |
| 67 | FRONTWAVE Oceanside | 4.99% | 5.99% |
| 68 | SACRAMENTO Sacramento | 4.99% | 5.19% |
| 69 | SAN DIEGO FIREFIGHTERS San Diego | 4.99% | 4.89% |
| 70 | UNITED ASSOCIATION CONCORD | 4.99% | 6.99% |
| 71 | POLAM LOS ANGELES | 4.99% | 5.49% |
| 72 | LOGIX Valencia | 4.99% | 5.14% |
| 73 | FIRST TECHNOLOGY SAN JOSE | 4.99% | 4.99% |
| 74 | LA LOMA Loma Linda | 4.99% | 4.99% |
| 75 | PARISHIONERS Torrance | 4.99% | 5.49% |
| 76 | POSTCITY FINANCIAL Long Beach | 4.99% | 8.99% |
| 77 | ESCONDIDO Escondido | 4.99% | 4.69% |
| 78 | STANFORD Palo Alto | 4.99% | 4.99% |
| 79 | ALTURA Riverside | 4.99% | 5.39% |
| 80 | U.S.B. EMPLOYEES Wilmington | 5.00% | 6.00% |
| 81 | SANTA MARIA ASSOCIATED EMPLOYEES Santa Maria | 5.00% | 4.50% |
| 82 | SILVERADO ANGWIN | 5.00% | 5.00% |
| 83 | GREATER VALLEY FRESNO | 5.01% | 5.29% |
| 84 | BAY CITIES Hayward | 5.01% | 5.76% |
| 85 | SANTA BARBARA TEACHERS Santa Barbara | 5.01% | 5.75% |
| 86 | SAN JOAQUIN POWER EMPLOYEES FRESNO | 5.02% | 4.79% |
| 87 | VENTURA COUNTY Ventura | 5.04% | 5.84% |
| 88 | CAPSTONE ALISO VIEJO | 5.05% | 5.75% |
| 89 | SAN FRANCISCO San Francisco | 5.05% | 5.55% |
| 90 | SLO San Luis Obispo | 5.08% | 7.70% |
| 91 | KINECTA Manhattan Beach | 5.09% | 6.27% |
| 92 | L. A. MISSION San Fernando | 5.13% | 8.29% |
| 93 | PREMIER ONE San Jose | 5.15% | 5.25% |
| 94 | CALIFORNIA COMMUNITY Sacramento | 5.19% | 5.19% |
| 95 | CALIFORNIA GLENDALE | 5.21% | 5.73% |
| 96 | FIRST CALIFORNIA Fresno | 5.22% | 5.81% |
| 97 | DOWNEY Downey | 5.23% | 6.39% |
| 98 | MISSION San Diego | 5.24% | 5.24% |
| 99 | EPISCOPAL COMMUNITY Los Angeles | 5.24% | 5.99% |
| 100 | COAST CENTRAL Eureka | 5.24% | 5.24% |
| 101 | TECHNOLOGY SAN JOSE | 5.24% | 5.89% |
| 102 | PARTNERS Burbank | 5.24% | 5.49% |
| 103 | MERCO Merced | 5.24% | 5.24% |
| 104 | CREDIT UNION OF SOUTHERN CA, A Anaheim | 5.24% | 5.49% |
| 105 | VALLEY AGRICULTURAL SANTA PAULA | 5.25% | 6.25% |
| 106 | LOS ANGELES Glendale | 5.25% | 6.25% |
| 107 | WESCOM CENTRAL PASADENA | 5.26% | 6.36% |
| 108 | ONTARIO PUBLIC EMPLOYEES ONTARIO | 5.29% | 7.52% |
| 109 | MID-CITIES Compton | 5.31% | 8.15% |
| 110 | NORTHERN REDWOOD Arcata | 5.36% | 7.32% |
| 111 | PROVIDENT REDWOOD CITY | 5.37% | 5.37% |
| 112 | CAHP SACRAMENTO | 5.37% | 5.88% |
| 113 | MONTERRA Redwood City | 5.37% | 5.26% |
| 114 | AMERICA'S CHRISTIAN Glendora | 5.38% | 6.22% |
| 115 | SAN FRANCISCO LEE SAN FRANCISCO | 5.38% | — |
| 116 | FOOTHILL Arcadia | 5.42% | 6.37% |
| 117 | USC Los Angeles | 5.44% | 5.44% |
| 118 | UNITED LOCAL Fresno | 5.47% | 6.24% |
| 119 | WATER AND POWER COMMUNITY LOS ANGELES | 5.49% | 6.24% |
| 120 | SUN COMMUNITY El Centro | 5.49% | 6.24% |
| 121 | F3 SAN JOSE | 5.49% | 6.49% |
| 122 | CALIFORNIA ADVENTIST Glendale | 5.49% | 6.67% |
| 123 | LONG BEACH CITY EMPLOYEES Signal Hill | 5.49% | 5.74% |
| 124 | TRAVIS VACAVILLE | 5.49% | 6.49% |
| 125 | ALTA VISTA REDLANDS | 5.49% | 5.99% |
| 126 | 1ST UNITED Pleasanton | 5.49% | 5.99% |
| 127 | THE FIRST FINANCIAL Pasadena | 5.49% | 5.09% |
| 128 | KINGS Hanford | 5.49% | 5.74% |
| 129 | ORANGE COUNTY'S Santa Ana | 5.49% | 5.49% |
| 130 | COLUMBUS CLUB San Fernando | 5.50% | 5.99% |
| 131 | NIKKEI Gardena | 5.50% | 7.00% |
| 132 | MODESTO'S FIRST MODESTO | 5.50% | 6.50% |
| 133 | ORGANIZED LABOR Modesto | 5.50% | 5.75% |
| 134 | BEFIT FINANCIAL Vacaville | 5.53% | 6.74% |
| 135 | DELTA SCHOOLS ANTIOCH | 5.54% | 6.92% |
| 136 | THE POLICE SAN BRUNO | 5.54% | 5.34% |
| 137 | COMMONWEALTH CENTRAL San Jose | 5.59% | 5.79% |
| 138 | PACIFIC SERVICE Concord | 5.59% | 5.79% |
| 139 | ANTIOCH COMMUNITY Antioch | 5.60% | 6.77% |
| 140 | MATTEL El Segundo | 5.60% | 7.84% |
| 141 | MERCED SCHOOL EMPLOYEES MERCED | 5.64% | 6.75% |
| 142 | HERITAGE COMMUNITY Rancho Cordova | 5.64% | 6.80% |
| 143 | KAIPERM Walnut Creek | 5.65% | 6.64% |
| 144 | NOVO Norco | 5.66% | 6.49% |
| 145 | SCHOOLS Torrance | 5.67% | 6.57% |
| 146 | OPERATING ENGINEERS LOCAL UNION #3 LIVERMORE | 5.68% | 6.36% |
| 147 | MEDIA CITY BURBANK | 5.71% | 6.42% |
| 148 | U.P.S. EMPLOYEES ONTARIO | 5.72% | 5.72% |
| 149 | GOLDEN VALLEY Manteca | 5.73% | 6.86% |
| 150 | VIDA Ontario | 5.73% | 6.24% |
| 151 | POPA Cerritos | 5.74% | 4.51% |
| 152 | COMMUNITY FIRST Santa Rosa | 5.74% | 5.74% |
| 153 | REDWOOD Santa Rosa | 5.74% | 5.89% |
| 154 | MATADORS COMMUNITY Northridge | 5.74% | 5.99% |
| 155 | FIRST CITY Pasadena | 5.74% | 5.99% |
| 156 | FIREFIGHTERS FIRST Los Angeles | 5.74% | 4.74% |
| 157 | MIRASTAR San Jose | 5.74% | 5.74% |
| 158 | MOKELUMNE Lodi | 5.74% | 6.74% |
| 159 | SMW 104 Livermore | 5.74% | 5.74% |
| 160 | SAFE FOLSOM | 5.75% | 6.88% |
| 161 | UME Burbank | 5.75% | 6.75% |
| 162 | PRIORITY ONE South Pasadena | 5.75% | 6.00% |
| 163 | PASADENA Pasadena | 5.75% | 9.24% |
| 164 | CAL STATE L.A. LOS ANGELES | 5.76% | 7.22% |
| 165 | UNCLE LIVERMORE | 5.79% | 7.79% |
| 166 | FINANCIAL PARTNERS DOWNEY | 5.82% | 7.59% |
| 167 | BOPTI SAN PEDRO | 5.82% | 7.43% |
| 168 | FIRST U.S. COMMUNITY Sacramento | 5.84% | 7.74% |
| 169 | FAMILIES AND SCHOOLS TOGETHER Hanford | 5.86% | 4.49% |
| 170 | PATELCO Dublin | 5.89% | 6.14% |
| 171 | JACOM los angeles | 5.90% | 5.90% |
| 172 | HONDA Torrance | 5.91% | 6.82% |
| 173 | INLAND VALLEY fontana | 5.95% | 6.44% |
| 174 | CABRILLO San Diego | 5.98% | 6.00% |
| 175 | FIRST ENTERTAINMENT Hollywood | 5.99% | 5.99% |
| 176 | CAMINO Montebello | 5.99% | 6.49% |
| 177 | RANCHO DOWNEY | 5.99% | 5.99% |
| 178 | YOLO Woodland | 5.99% | 7.79% |
| 179 | EAGLE COMMUNITY Lake Forest | 5.99% | 6.49% |
| 180 | UPWARD Burlingame | 5.99% | 5.99% |
| 181 | ALTAONE Ridgecrest | 5.99% | 6.24% |
| 182 | NORTHEAST COMMUNITY San Francisco | 6.00% | 6.00% |
| 183 | CALCOM LONG BEACH | 6.00% | 7.00% |
| 184 | TORRANCE COMMUNITY Torrance | 6.00% | 6.25% |
| 185 | DESERT VALLEYS Ridgecrest | 6.01% | 8.19% |
| 186 | THINKWISE San Bernardino | 6.05% | 6.29% |
| 187 | AEROSPACE Los Angeles | 6.05% | 6.35% |
| 188 | INLAND La Mesa | 6.05% | 7.45% |
| 189 | THE GOLDEN 1 SACRAMENTO | 6.09% | 6.79% |
| 190 | VALLEY FIRST Modesto | 6.18% | 7.08% |
| 191 | SIERRA CENTRAL Yuba City | 6.19% | 6.80% |
| 192 | RIZE EL MONTE | 6.24% | 5.74% |
| 193 | I.L.W.U. Long Beach | 6.24% | 6.24% |
| 194 | EDWARDS Edwards | 6.24% | 6.74% |
| 195 | BAY Capitola | 6.24% | 5.49% |
| 196 | ARROWHEAD Rancho Cucamong | 6.24% | 4.99% |
| 197 | SOUTHLAND LOS ALAMITOS | 6.24% | 6.49% |
| 198 | BLUPEAK San Diego | 6.24% | 6.74% |
| 199 | CERTIFIED El Monte | 6.26% | 7.56% |
| 200 | ATCHISON VILLAGE RICHMOND | 6.27% | 8.27% |
| 201 | MONTEREY MONTEREY | 6.29% | 6.79% |
| 202 | E-CENTRAL PASADENA | 6.30% | 7.76% |
| 203 | EXCITE San Jose | 6.33% | 7.68% |
| 204 | DIABLO VALLEY Concord | 6.35% | 7.19% |
| 205 | ESPEECO Bakersfield | 6.43% | 7.21% |
| 206 | CORAZO El Centro | 6.49% | 7.99% |
| 207 | CHRISTIAN COMMUNITY San Dimas | 6.49% | 6.49% |
| 208 | WHEELHOUSE SAN DIEGO | 6.49% | 4.99% |
| 209 | LBS FINANCIAL Long Beach | 6.53% | 7.23% |
| 210 | NOBLE Fresno | 6.68% | 6.72% |
| 211 | AMERICAN FIRST BREA | 6.72% | 6.94% |
| 212 | CENTRAL STATE Stockton | 6.74% | 6.99% |
| 213 | L. A. ELECTRICAL WORKERS CREDIT UN. Pasadena | 6.74% | 7.74% |
| 214 | OCEANAIR Oxnard | 6.75% | 7.66% |
| 215 | HUNTINGTON BEACH Huntington Beac | 6.75% | 8.00% |
| 216 | MOCSE Modesto | 6.79% | 6.84% |
| 217 | COUNTY SCHOOLS Ventura | 6.84% | 7.70% |
| 218 | MERIWEST SAN JOSE | 6.85% | 6.67% |
| 219 | DOW GREAT WESTERN Antioch | 6.85% | 6.79% |
| 220 | PREMIER AMERICA Chatsworth | 6.95% | 7.71% |
| 221 | SKYONE Hawthorne | 6.99% | 6.99% |
| 222 | CORRECTIONS Soledad | 6.99% | 7.78% |
| 223 | STRATA BAKERSFIELD | 6.99% | 6.99% |
| 224 | TECHNICOLOR Burbank | 7.00% | 8.44% |
| 225 | FOX LOS ANGELES | 7.04% | 5.99% |
| 226 | BEVERLY HILLS CITY EMPLOYEES BEVERLY HILLS | 7.12% | 7.97% |
| 227 | SESLOC SAN LUIS OBISPO | 7.20% | 6.90% |
| 228 | COMUNIDAD LATINA SANTA ANA | 7.32% | 8.89% |
| 229 | TUCOEMAS VISALIA | 7.43% | 9.77% |
| 230 | SISKIYOU Yreka | 7.71% | 6.04% |
| 231 | GLENDALE Glendale | 7.74% | 9.74% |
| 232 | VALLEY STRONG BAKERSFIELD | 7.89% | 9.39% |
| 233 | COASTHILLS Santa Maria | 8.00% | 9.20% |
| 234 | SONOMA Santa Rosa | 8.00% | 8.00% |
| 235 | SANTA CRUZ COMMUNITY Santa Cruz | 8.09% | 9.32% |
| 236 | EAST COUNTY SCHOOLS EL CAJON | 8.25% | 8.45% |
| 237 | SUN PACIFIC Richmond | 8.45% | 8.45% |
| 238 | HANIN Los Angeles | 8.49% | 7.74% |
237 credit unions with reported rates, sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | CHULA VISTA CITY EMPLOYEES Chula Vista | 1.99% | 1.99% |
| 2 | SUNKIST EMPLOYEES Valencia | 2.40% | 3.25% |
| 3 | MARIN COUNTY SAN RAFAEL | 2.64% | 2.64% |
| 4 | FONTANA Fontana | 3.74% | 2.74% |
| 5 | VA DESERT PACIFIC Long Beach | 3.90% | 3.90% |
| 6 | FRESNO GRANGERS FRESNO | 3.99% | 2.99% |
| 7 | VALLEY OAK Three Rivers | 3.99% | 3.99% |
| 8 | LOS ANGELES LEE Los Angeles | 3.99% | 3.99% |
| 9 | SANTA ANA Santa Ana | 3.99% | 3.99% |
| 10 | REDLANDS CITY EMPLOYEES Redlands | 4.25% | 2.75% |
| 11 | CENTER CITY COMMUNITY Buena Park | 4.35% | 3.99% |
| 12 | EMPLOYEES CHOICE El Cajon | 4.38% | 4.38% |
| 13 | SEA WEST COAST GUARD OAKLAND | 4.39% | 3.99% |
| 14 | MARYKNOLL OF L A Los Angeles | 4.49% | 3.49% |
| 15 | EDUCATIONAL EMPLOYEES FRESNO | 4.49% | 3.99% |
| 16 | SAFE 1 BAKERSFIELD | 4.49% | 3.99% |
| 17 | CALTECH EMPLOYEES La Canada | 4.49% | 4.49% |
| 18 | FAMILIES AND SCHOOLS TOGETHER Hanford | 4.49% | 5.86% |
| 19 | F & A MONTEREY PARK | 4.50% | 4.50% |
| 20 | SANTA MARIA ASSOCIATED EMPLOYEES Santa Maria | 4.50% | 5.00% |
| 21 | POPA Cerritos | 4.51% | 5.74% |
| 22 | CALIFORNIA COAST San Diego | 4.68% | 4.68% |
| 23 | ESCONDIDO Escondido | 4.69% | 4.99% |
| 24 | 1ST NORTHERN CALIFORNIA Martinez | 4.74% | 4.74% |
| 25 | FIREFIGHTERS FIRST Los Angeles | 4.74% | 5.74% |
| 26 | SANTA BARBARA COUNTY SANTA BARBARA | 4.75% | 4.75% |
| 27 | STAR ONE SUNNYVALE | 4.75% | 4.75% |
| 28 | SAN JOAQUIN POWER EMPLOYEES FRESNO | 4.79% | 5.02% |
| 29 | SAN DIEGO FIREFIGHTERS San Diego | 4.89% | 4.99% |
| 30 | CHAFFEY Upland | 4.99% | 4.59% |
| 31 | SAN DIEGO COUNTY San Diego | 4.99% | 4.69% |
| 32 | SOUTH BAY Redondo Beach | 4.99% | 4.75% |
| 33 | FIRST TECHNOLOGY SAN JOSE | 4.99% | 4.99% |
| 34 | LA LOMA Loma Linda | 4.99% | 4.99% |
| 35 | STANFORD Palo Alto | 4.99% | 4.99% |
| 36 | ARROWHEAD Rancho Cucamong | 4.99% | 6.24% |
| 37 | WHEELHOUSE SAN DIEGO | 4.99% | 6.49% |
| 38 | BAKERSFIELD CITY EMPLOYEES BAKERSFIELD | 5.00% | 4.50% |
| 39 | SAN FRANCISCO FIRE San Francisco | 5.00% | 4.88% |
| 40 | SILVERADO ANGWIN | 5.00% | 5.00% |
| 41 | SRI MENLO PARK | 5.01% | 4.56% |
| 42 | NORTHROP GRUMMAN Gardena | 5.09% | 4.74% |
| 43 | THE FIRST FINANCIAL Pasadena | 5.09% | 5.49% |
| 44 | FRESNO POLICE DEPARTMENT fresno | 5.11% | 4.23% |
| 45 | LOGIX Valencia | 5.14% | 4.99% |
| 46 | SACRAMENTO Sacramento | 5.19% | 4.99% |
| 47 | CALIFORNIA COMMUNITY Sacramento | 5.19% | 5.19% |
| 48 | LONG BEACH FIREMEN S Long Beach | 5.22% | 4.46% |
| 49 | UNIVERSAL CITY STUDIOS Burbank | 5.24% | 4.23% |
| 50 | LOS ANGELES POLICE Van Nuys | 5.24% | 4.99% |
| 51 | MISSION San Diego | 5.24% | 5.24% |
| 52 | COAST CENTRAL Eureka | 5.24% | 5.24% |
| 53 | MERCO Merced | 5.24% | 5.24% |
| 54 | UNION YES ORANGE | 5.25% | 4.25% |
| 55 | PREMIER ONE San Jose | 5.25% | 5.15% |
| 56 | MONTERRA Redwood City | 5.26% | 5.37% |
| 57 | GREATER VALLEY FRESNO | 5.29% | 5.01% |
| 58 | LASSEN COUNTY Susanville | 5.34% | 4.96% |
| 59 | THE POLICE SAN BRUNO | 5.34% | 5.54% |
| 60 | CLEARPATH Burbank | 5.35% | 4.89% |
| 61 | PROVIDENT REDWOOD CITY | 5.37% | 5.37% |
| 62 | ALTURA Riverside | 5.39% | 4.99% |
| 63 | SCHOOLSFIRST SANTA ANA | 5.44% | 4.74% |
| 64 | USC Los Angeles | 5.44% | 5.44% |
| 65 | SAN MATEO CITY EMPLOYEES SAN MATEO | 5.47% | 4.71% |
| 66 | CALIFORNIA LITHUANIAN Santa Monica | 5.49% | 2.99% |
| 67 | GAIN Burbank | 5.49% | 4.75% |
| 68 | POLAM LOS ANGELES | 5.49% | 4.99% |
| 69 | PARISHIONERS Torrance | 5.49% | 4.99% |
| 70 | PARTNERS Burbank | 5.49% | 5.24% |
| 71 | CREDIT UNION OF SOUTHERN CA, A Anaheim | 5.49% | 5.24% |
| 72 | ORANGE COUNTY'S Santa Ana | 5.49% | 5.49% |
| 73 | BAY Capitola | 5.49% | 6.24% |
| 74 | SEA AIR Seal Beach | 5.54% | 4.02% |
| 75 | SHELL WESTERN STATES Martinez | 5.55% | 4.97% |
| 76 | SAN FRANCISCO San Francisco | 5.55% | 5.05% |
| 77 | DENOCOS CRESCENT CITY | 5.66% | 4.29% |
| 78 | UNITED CATHOLICS COVINA | 5.69% | 4.75% |
| 79 | U.P.S. EMPLOYEES ONTARIO | 5.72% | 5.72% |
| 80 | CALIFORNIA GLENDALE | 5.73% | 5.21% |
| 81 | LONG BEACH CITY EMPLOYEES Signal Hill | 5.74% | 5.49% |
| 82 | KINGS Hanford | 5.74% | 5.49% |
| 83 | COMMUNITY FIRST Santa Rosa | 5.74% | 5.74% |
| 84 | MIRASTAR San Jose | 5.74% | 5.74% |
| 85 | SMW 104 Livermore | 5.74% | 5.74% |
| 86 | RIZE EL MONTE | 5.74% | 6.24% |
| 87 | SANTA BARBARA TEACHERS Santa Barbara | 5.75% | 5.01% |
| 88 | CAPSTONE ALISO VIEJO | 5.75% | 5.05% |
| 89 | ORGANIZED LABOR Modesto | 5.75% | 5.50% |
| 90 | BAY CITIES Hayward | 5.76% | 5.01% |
| 91 | COMMONWEALTH CENTRAL San Jose | 5.79% | 5.59% |
| 92 | PACIFIC SERVICE Concord | 5.79% | 5.59% |
| 93 | FIRST CALIFORNIA Fresno | 5.81% | 5.22% |
| 94 | FOUNTAIN VALLEY Fountain Valley | 5.84% | 4.37% |
| 95 | VENTURA COUNTY Ventura | 5.84% | 5.04% |
| 96 | GLENDALE AREA SCHOOLS GLENDALE | 5.86% | 4.98% |
| 97 | CAHP SACRAMENTO | 5.88% | 5.37% |
| 98 | CHEVRON Concord | 5.89% | 4.99% |
| 99 | TECHNOLOGY SAN JOSE | 5.89% | 5.24% |
| 100 | REDWOOD Santa Rosa | 5.89% | 5.74% |
| 101 | JACOM los angeles | 5.90% | 5.90% |
| 102 | MYPOINT San Diego | 5.99% | 3.09% |
| 103 | KEYPOINT San Jose | 5.99% | 3.49% |
| 104 | UNIVERSITY Los Angeles | 5.99% | 3.99% |
| 105 | POLAM Redwood City | 5.99% | 4.57% |
| 106 | FRONTWAVE Oceanside | 5.99% | 4.99% |
| 107 | EPISCOPAL COMMUNITY Los Angeles | 5.99% | 5.24% |
| 108 | ALTA VISTA REDLANDS | 5.99% | 5.49% |
| 109 | 1ST UNITED Pleasanton | 5.99% | 5.49% |
| 110 | COLUMBUS CLUB San Fernando | 5.99% | 5.50% |
| 111 | MATADORS COMMUNITY Northridge | 5.99% | 5.74% |
| 112 | FIRST CITY Pasadena | 5.99% | 5.74% |
| 113 | FIRST ENTERTAINMENT Hollywood | 5.99% | 5.99% |
| 114 | RANCHO DOWNEY | 5.99% | 5.99% |
| 115 | UPWARD Burlingame | 5.99% | 5.99% |
| 116 | FOX LOS ANGELES | 5.99% | 7.04% |
| 117 | U.S.B. EMPLOYEES Wilmington | 6.00% | 5.00% |
| 118 | PRIORITY ONE South Pasadena | 6.00% | 5.75% |
| 119 | CABRILLO San Diego | 6.00% | 5.98% |
| 120 | NORTHEAST COMMUNITY San Francisco | 6.00% | 6.00% |
| 121 | SISKIYOU Yreka | 6.04% | 7.71% |
| 122 | TULARE COUNTY Tulare | 6.09% | 4.83% |
| 123 | CENTRAL VALLEY FIREFIGHTERS FRESNO | 6.10% | 4.52% |
| 124 | PATELCO Dublin | 6.14% | 5.89% |
| 125 | AMERICA'S CHRISTIAN Glendora | 6.22% | 5.38% |
| 126 | UTILITY DISTRICT OAKLAND | 6.23% | 4.30% |
| 127 | FARMERS INSURANCE Burbank | 6.24% | 2.74% |
| 128 | UNITED LOCAL Fresno | 6.24% | 5.47% |
| 129 | WATER AND POWER COMMUNITY LOS ANGELES | 6.24% | 5.49% |
| 130 | SUN COMMUNITY El Centro | 6.24% | 5.49% |
| 131 | VIDA Ontario | 6.24% | 5.73% |
| 132 | ALTAONE Ridgecrest | 6.24% | 5.99% |
| 133 | I.L.W.U. Long Beach | 6.24% | 6.24% |
| 134 | VALLEY AGRICULTURAL SANTA PAULA | 6.25% | 5.25% |
| 135 | LOS ANGELES Glendale | 6.25% | 5.25% |
| 136 | TORRANCE COMMUNITY Torrance | 6.25% | 6.00% |
| 137 | ROLLING F TURLOCK | 6.27% | 4.46% |
| 138 | KINECTA Manhattan Beach | 6.27% | 5.09% |
| 139 | THINKWISE San Bernardino | 6.29% | 6.05% |
| 140 | AEROSPACE Los Angeles | 6.35% | 6.05% |
| 141 | WESCOM CENTRAL PASADENA | 6.36% | 5.26% |
| 142 | OPERATING ENGINEERS LOCAL UNION #3 LIVERMORE | 6.36% | 5.68% |
| 143 | FOOTHILL Arcadia | 6.37% | 5.42% |
| 144 | DOWNEY Downey | 6.39% | 5.23% |
| 145 | COMPASS COMMUNITY Eureka | 6.41% | 4.45% |
| 146 | MEDIA CITY BURBANK | 6.42% | 5.71% |
| 147 | MCKESSON & HEALTHCARE PROVIDERS Martinez | 6.44% | 4.94% |
| 148 | INLAND VALLEY fontana | 6.44% | 5.95% |
| 149 | SAG-AFTRA Burbank | 6.49% | 1.99% |
| 150 | F3 SAN JOSE | 6.49% | 5.49% |
| 151 | TRAVIS VACAVILLE | 6.49% | 5.49% |
| 152 | NOVO Norco | 6.49% | 5.66% |
| 153 | CAMINO Montebello | 6.49% | 5.99% |
| 154 | EAGLE COMMUNITY Lake Forest | 6.49% | 5.99% |
| 155 | SOUTHLAND LOS ALAMITOS | 6.49% | 6.24% |
| 156 | CHRISTIAN COMMUNITY San Dimas | 6.49% | 6.49% |
| 157 | MISSION CITY Santa Clara | 6.50% | 4.69% |
| 158 | MODESTO'S FIRST MODESTO | 6.50% | 5.50% |
| 159 | SCHOOLS Torrance | 6.57% | 5.67% |
| 160 | NUVISION HUNTINGTON BEAC | 6.59% | 3.99% |
| 161 | KAIPERM Walnut Creek | 6.64% | 5.65% |
| 162 | CALIFORNIA ADVENTIST Glendale | 6.67% | 5.49% |
| 163 | MERIWEST SAN JOSE | 6.67% | 6.85% |
| 164 | NOBLE Fresno | 6.72% | 6.68% |
| 165 | BEFIT FINANCIAL Vacaville | 6.74% | 5.53% |
| 166 | MOKELUMNE Lodi | 6.74% | 5.74% |
| 167 | EDWARDS Edwards | 6.74% | 6.24% |
| 168 | BLUPEAK San Diego | 6.74% | 6.24% |
| 169 | MERCED SCHOOL EMPLOYEES MERCED | 6.75% | 5.64% |
| 170 | UME Burbank | 6.75% | 5.75% |
| 171 | ANTIOCH COMMUNITY Antioch | 6.77% | 5.60% |
| 172 | OLIVE VIEW EMPLOYEES SYLMAR | 6.78% | 4.80% |
| 173 | THE GOLDEN 1 SACRAMENTO | 6.79% | 6.09% |
| 174 | MONTEREY MONTEREY | 6.79% | 6.29% |
| 175 | DOW GREAT WESTERN Antioch | 6.79% | 6.85% |
| 176 | HERITAGE COMMUNITY Rancho Cordova | 6.80% | 5.64% |
| 177 | SIERRA CENTRAL Yuba City | 6.80% | 6.19% |
| 178 | HONDA Torrance | 6.82% | 5.91% |
| 179 | MOCSE Modesto | 6.84% | 6.79% |
| 180 | GOLDEN VALLEY Manteca | 6.86% | 5.73% |
| 181 | SAFE FOLSOM | 6.88% | 5.75% |
| 182 | SESLOC SAN LUIS OBISPO | 6.90% | 7.20% |
| 183 | DELTA SCHOOLS ANTIOCH | 6.92% | 5.54% |
| 184 | AMERICAN FIRST BREA | 6.94% | 6.72% |
| 185 | INTERFAITH MONTCLAIR | 6.96% | 4.89% |
| 186 | EL MONTE COMMUNITY El Monte | 6.99% | 3.99% |
| 187 | UNITED ASSOCIATION CONCORD | 6.99% | 4.99% |
| 188 | CENTRAL STATE Stockton | 6.99% | 6.74% |
| 189 | SKYONE Hawthorne | 6.99% | 6.99% |
| 190 | STRATA BAKERSFIELD | 6.99% | 6.99% |
| 191 | NIKKEI Gardena | 7.00% | 5.50% |
| 192 | CALCOM LONG BEACH | 7.00% | 6.00% |
| 193 | VALLEY FIRST Modesto | 7.08% | 6.18% |
| 194 | DIABLO VALLEY Concord | 7.19% | 6.35% |
| 195 | ESPEECO Bakersfield | 7.21% | 6.43% |
| 196 | CAL STATE L.A. LOS ANGELES | 7.22% | 5.76% |
| 197 | LBS FINANCIAL Long Beach | 7.23% | 6.53% |
| 198 | NORTHERN REDWOOD Arcata | 7.32% | 5.36% |
| 199 | BOPTI SAN PEDRO | 7.43% | 5.82% |
| 200 | INLAND La Mesa | 7.45% | 6.05% |
| 201 | ONTARIO PUBLIC EMPLOYEES ONTARIO | 7.52% | 5.29% |
| 202 | CERTIFIED El Monte | 7.56% | 6.26% |
| 203 | FINANCIAL PARTNERS DOWNEY | 7.59% | 5.82% |
| 204 | OCEANAIR Oxnard | 7.66% | 6.75% |
| 205 | EXCITE San Jose | 7.68% | 6.33% |
| 206 | SLO San Luis Obispo | 7.70% | 5.08% |
| 207 | COUNTY SCHOOLS Ventura | 7.70% | 6.84% |
| 208 | PREMIER AMERICA Chatsworth | 7.71% | 6.95% |
| 209 | FIRST U.S. COMMUNITY Sacramento | 7.74% | 5.84% |
| 210 | L. A. ELECTRICAL WORKERS CREDIT UN. Pasadena | 7.74% | 6.74% |
| 211 | HANIN Los Angeles | 7.74% | 8.49% |
| 212 | E-CENTRAL PASADENA | 7.76% | 6.30% |
| 213 | CORRECTIONS Soledad | 7.78% | 6.99% |
| 214 | UNCLE LIVERMORE | 7.79% | 5.79% |
| 215 | YOLO Woodland | 7.79% | 5.99% |
| 216 | MATTEL El Segundo | 7.84% | 5.60% |
| 217 | BEVERLY HILLS CITY EMPLOYEES BEVERLY HILLS | 7.97% | 7.12% |
| 218 | L.A. HEALTHCARE LOS ANGELES | 7.98% | 4.90% |
| 219 | CORAZO El Centro | 7.99% | 6.49% |
| 220 | HUNTINGTON BEACH Huntington Beac | 8.00% | 6.75% |
| 221 | SONOMA Santa Rosa | 8.00% | 8.00% |
| 222 | MID-CITIES Compton | 8.15% | 5.31% |
| 223 | DESERT VALLEYS Ridgecrest | 8.19% | 6.01% |
| 224 | ATCHISON VILLAGE RICHMOND | 8.27% | 6.27% |
| 225 | L. A. MISSION San Fernando | 8.29% | 5.13% |
| 226 | TECHNICOLOR Burbank | 8.44% | 7.00% |
| 227 | EAST COUNTY SCHOOLS EL CAJON | 8.45% | 8.25% |
| 228 | SUN PACIFIC Richmond | 8.45% | 8.45% |
| 229 | MOJAVE PLANT EMPLOYEES MOJAVE | 8.63% | 4.20% |
| 230 | COMUNIDAD LATINA SANTA ANA | 8.89% | 7.32% |
| 231 | POSTCITY FINANCIAL Long Beach | 8.99% | 4.99% |
| 232 | COASTHILLS Santa Maria | 9.20% | 8.00% |
| 233 | PASADENA Pasadena | 9.24% | 5.75% |
| 234 | SANTA CRUZ COMMUNITY Santa Cruz | 9.32% | 8.09% |
| 235 | VALLEY STRONG BAKERSFIELD | 9.39% | 7.89% |
| 236 | GLENDALE Glendale | 9.74% | 7.74% |
| 237 | TUCOEMAS VISALIA | 9.77% | 7.43% |
Most community credit unions in California accept anyone who lives, works, or worships in their service area. Some are employer-based with open membership through small donations to an affiliated organization. Check each credit union's profile for eligibility details.
Credit unions are nonprofits, so they return earnings to members in the form of lower loan rates and higher savings rates. On a $25,000 car loan over 60 months, even a 1% rate difference saves over $600 in interest.
These rates come directly from NCUA Call Report (5300) filings — the same quarterly financial data credit unions are required to submit to their federal regulator. They reflect each CU's reported weighted-average rate, not a promotional floor. Your actual rate will depend on credit score, term length, and vehicle age.
A pre-approval from a credit union lets you negotiate on price, not payment. The dealer can try to beat the rate — but you're in control either way.
Multiple auto loan applications within 14–45 days count as a single hard inquiry. Apply at several credit unions in the same two-week window and take the best offer.
See all credit unions by city, filter by rates, and check Google ratings.