Auto Loans · Long Beach, California
6 credit unions in Long Beach report car loan rates to the NCUA. Rates range from 3.90% to 6.53%.
Updated Q1 2026 · NCUA Call Report data
6
CUs Reporting Rates
3.90%
Lowest New Car Rate
5.35%
City Average Rate
6 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | VA DESERT PACIFIC ★ 4.1 · 19 reviews | 3.90% | 3.90% |
| 2 | LONG BEACH FIREMEN S ★ 5.0 · 7 reviews | 4.46% | 5.22% |
| 3 | POSTCITY FINANCIAL ★ 3.8 · 54 reviews | 4.99% | 8.99% |
| 4 | CALCOM ★ 3.5 · 8 reviews | 6.00% | 7.00% |
| 5 | I.L.W.U. ★ 5.0 · 11 reviews | 6.24% | 6.24% |
| 6 | LBS FINANCIAL ★ 4.6 · 227 reviews | 6.53% | 7.23% |
6 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | VA DESERT PACIFIC ★ 4.1 · 19 reviews | 3.90% | 3.90% |
| 2 | LONG BEACH FIREMEN S ★ 5.0 · 7 reviews | 5.22% | 4.46% |
| 3 | I.L.W.U. ★ 5.0 · 11 reviews | 6.24% | 6.24% |
| 4 | CALCOM ★ 3.5 · 8 reviews | 7.00% | 6.00% |
| 5 | LBS FINANCIAL ★ 4.6 · 227 reviews | 7.23% | 6.53% |
| 6 | POSTCITY FINANCIAL ★ 3.8 · 54 reviews | 8.99% | 4.99% |
A pre-approval from a Long Beach 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 Long Beach in the same window and take the best offer.
See member reviews, branch locations, and full rate details.