Auto Loans · Concord, California
4 credit unions in Concord report car loan rates to the NCUA. Rates range from 4.99% to 6.35%.
Updated Q1 2026 · NCUA Call Report data
4
CUs Reporting Rates
4.99%
Lowest New Car Rate
5.48%
City Average Rate
4 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | CHEVRON ★ 3.1 · 7 reviews | 4.99% | 5.89% |
| 2 | UNITED ASSOCIATION | 4.99% | 6.99% |
| 3 | PACIFIC SERVICE ★ 4.5 · 119 reviews | 5.59% | 5.79% |
| 4 | DIABLO VALLEY ★ 4.0 · 26 reviews | 6.35% | 7.19% |
4 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | PACIFIC SERVICE ★ 4.5 · 119 reviews | 5.79% | 5.59% |
| 2 | CHEVRON ★ 3.1 · 7 reviews | 5.89% | 4.99% |
| 3 | UNITED ASSOCIATION | 6.99% | 4.99% |
| 4 | DIABLO VALLEY ★ 4.0 · 26 reviews | 7.19% | 6.35% |
A pre-approval from a Concord 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 Concord in the same window and take the best offer.
See member reviews, branch locations, and full rate details.