Auto Loans · Oakland, California
2 credit unions in Oakland report car loan rates to the NCUA. Rates range from 3.99% to 4.30%.
Updated Q1 2026 · NCUA Call Report data
2
CUs Reporting Rates
3.99%
Lowest New Car Rate
4.15%
City Average Rate
2 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | SEA WEST COAST GUARD ★ 3.5 · 15 reviews | 3.99% | 4.39% |
| 2 | UTILITY DISTRICT | 4.30% | 6.23% |
2 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | SEA WEST COAST GUARD ★ 3.5 · 15 reviews | 4.39% | 3.99% |
| 2 | UTILITY DISTRICT | 6.23% | 4.30% |
A pre-approval from a Oakland 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 Oakland in the same window and take the best offer.
See member reviews, branch locations, and full rate details.