Auto Loans · Bakersfield, California
5 credit unions in Bakersfield report car loan rates to the NCUA. Rates range from 3.99% to 7.89%.
Updated Q1 2026 · NCUA Call Report data
5
CUs Reporting Rates
3.99%
Lowest New Car Rate
5.96%
City Average Rate
5 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | SAFE 1 ★ 3.7 · 59 reviews | 3.99% | 4.49% |
| 2 | BAKERSFIELD CITY EMPLOYEES ★ 4.8 · 5 reviews | 4.50% | 5.00% |
| 3 | ESPEECO ★ 4.4 · 5 reviews | 6.43% | 7.21% |
| 4 | STRATA ★ 3.3 · 81 reviews | 6.99% | 6.99% |
| 5 | VALLEY STRONG ★ 4.8 · 40 reviews | 7.89% | 9.39% |
5 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | SAFE 1 ★ 3.7 · 59 reviews | 4.49% | 3.99% |
| 2 | BAKERSFIELD CITY EMPLOYEES ★ 4.8 · 5 reviews | 5.00% | 4.50% |
| 3 | STRATA ★ 3.3 · 81 reviews | 6.99% | 6.99% |
| 4 | ESPEECO ★ 4.4 · 5 reviews | 7.21% | 6.43% |
| 5 | VALLEY STRONG ★ 4.8 · 40 reviews | 9.39% | 7.89% |
A pre-approval from a Bakersfield 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 Bakersfield in the same window and take the best offer.
See member reviews, branch locations, and full rate details.