Auto Loans · Vacaville, California
2 credit unions in Vacaville report car loan rates to the NCUA. Rates range from 5.49% to 5.53%.
Updated Q1 2026 · NCUA Call Report data
2
CUs Reporting Rates
5.49%
Lowest New Car Rate
5.51%
City Average Rate
2 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | TRAVIS ★ 3.1 · 46 reviews | 5.49% | 6.49% |
| 2 | BEFIT FINANCIAL ★ 4.7 · 15 reviews | 5.53% | 6.74% |
2 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | TRAVIS ★ 3.1 · 46 reviews | 6.49% | 5.49% |
| 2 | BEFIT FINANCIAL ★ 4.7 · 15 reviews | 6.74% | 5.53% |
A pre-approval from a Vacaville 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 Vacaville in the same window and take the best offer.
See member reviews, branch locations, and full rate details.