Auto Loans · San Diego, California
8 credit unions in San Diego report car loan rates to the NCUA. Rates range from 3.09% to 6.49%.
Updated Q1 2026 · NCUA Call Report data
8
CUs Reporting Rates
3.09%
Lowest New Car Rate
5.18%
City Average Rate
8 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | MYPOINT ★ 3.8 · 42 reviews | 3.09% | 5.99% |
| 2 | CALIFORNIA COAST ★ 3.4 · 30 reviews | 4.68% | 4.68% |
| 3 | SAN DIEGO COUNTY ★ 3.3 · 26 reviews | 4.69% | 4.99% |
| 4 | SAN DIEGO FIREFIGHTERS ★ 3.3 · 9 reviews | 4.99% | 4.89% |
| 5 | MISSION ★ 3.8 · 43 reviews | 5.24% | 5.24% |
| 6 | CABRILLO ★ 4.8 · 167 reviews | 5.98% | 6.00% |
| 7 | BLUPEAK ★ 3.7 · 46 reviews | 6.24% | 6.74% |
| 8 | WHEELHOUSE ★ 3.3 · 40 reviews | 6.49% | 4.99% |
8 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | CALIFORNIA COAST ★ 3.4 · 30 reviews | 4.68% | 4.68% |
| 2 | SAN DIEGO FIREFIGHTERS ★ 3.3 · 9 reviews | 4.89% | 4.99% |
| 3 | SAN DIEGO COUNTY ★ 3.3 · 26 reviews | 4.99% | 4.69% |
| 4 | WHEELHOUSE ★ 3.3 · 40 reviews | 4.99% | 6.49% |
| 5 | MISSION ★ 3.8 · 43 reviews | 5.24% | 5.24% |
| 6 | MYPOINT ★ 3.8 · 42 reviews | 5.99% | 3.09% |
| 7 | CABRILLO ★ 4.8 · 167 reviews | 6.00% | 5.98% |
| 8 | BLUPEAK ★ 3.7 · 46 reviews | 6.74% | 6.24% |
A pre-approval from a San Diego 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 San Diego in the same window and take the best offer.
See member reviews, branch locations, and full rate details.