Auto Loans · Richmond, California
2 credit unions in Richmond report car loan rates to the NCUA. Rates range from 6.27% to 8.45%.
Updated Q1 2026 · NCUA Call Report data
2
CUs Reporting Rates
6.27%
Lowest New Car Rate
7.36%
City Average Rate
2 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | ATCHISON VILLAGE ★ 4.1 · 9 reviews | 6.27% | 8.27% |
| 2 | SUN PACIFIC ★ 4.1 · 9 reviews | 8.45% | 8.45% |
2 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | ATCHISON VILLAGE ★ 4.1 · 9 reviews | 8.27% | 6.27% |
| 2 | SUN PACIFIC ★ 4.1 · 9 reviews | 8.45% | 8.45% |
A pre-approval from a Richmond 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 Richmond in the same window and take the best offer.
See member reviews, branch locations, and full rate details.