Auto Loans · El Centro, California
2 credit unions in El Centro report car loan rates to the NCUA. Rates range from 5.49% to 6.49%.
Updated Q1 2026 · NCUA Call Report data
2
CUs Reporting Rates
5.49%
Lowest New Car Rate
5.99%
City Average Rate
2 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | SUN COMMUNITY ★ 4.2 · 98 reviews | 5.49% | 6.24% |
| 2 | CORAZO ★ 4.2 · 134 reviews | 6.49% | 7.99% |
2 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | SUN COMMUNITY ★ 4.2 · 98 reviews | 6.24% | 5.49% |
| 2 | CORAZO ★ 4.2 · 134 reviews | 7.99% | 6.49% |
A pre-approval from a El Centro 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 El Centro in the same window and take the best offer.
See member reviews, branch locations, and full rate details.