Auto Loans · Livermore, California
3 credit unions in Livermore report car loan rates to the NCUA. Rates range from 5.68% to 5.79%.
Updated Q1 2026 · NCUA Call Report data
3
CUs Reporting Rates
5.68%
Lowest New Car Rate
5.74%
City Average Rate
3 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | OPERATING ENGINEERS LOCAL UNION #3 ★ 3.3 · 18 reviews | 5.68% | 6.36% |
| 2 | SMW 104 ★ 3.7 · 15 reviews | 5.74% | 5.74% |
| 3 | UNCLE ★ 2.2 · 43 reviews | 5.79% | 7.79% |
3 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | SMW 104 ★ 3.7 · 15 reviews | 5.74% | 5.74% |
| 2 | OPERATING ENGINEERS LOCAL UNION #3 ★ 3.3 · 18 reviews | 6.36% | 5.68% |
| 3 | UNCLE ★ 2.2 · 43 reviews | 7.79% | 5.79% |
A pre-approval from a Livermore 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 Livermore in the same window and take the best offer.
See member reviews, branch locations, and full rate details.