Auto Loans · El Monte, California
3 credit unions in El Monte report car loan rates to the NCUA. Rates range from 3.99% to 6.26%.
Updated Q1 2026 · NCUA Call Report data
3
CUs Reporting Rates
3.99%
Lowest New Car Rate
5.50%
City Average Rate
3 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | EL MONTE COMMUNITY ★ 3.5 · 19 reviews | 3.99% | 6.99% |
| 2 | RIZE ★ 4.8 · 930 reviews | 6.24% | 5.74% |
| 3 | CERTIFIED ★ 4.3 · 88 reviews | 6.26% | 7.56% |
3 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | RIZE ★ 4.8 · 930 reviews | 5.74% | 6.24% |
| 2 | EL MONTE COMMUNITY ★ 3.5 · 19 reviews | 6.99% | 3.99% |
| 3 | CERTIFIED ★ 4.3 · 88 reviews | 7.56% | 6.26% |
A pre-approval from a El Monte 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 Monte in the same window and take the best offer.
See member reviews, branch locations, and full rate details.