Auto Loans · Fresno, California
9 credit unions in Fresno report car loan rates to the NCUA. Rates range from 2.99% to 6.68%.
Updated Q1 2026 · NCUA Call Report data
9
CUs Reporting Rates
2.99%
Lowest New Car Rate
4.79%
City Average Rate
9 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | FRESNO GRANGERS ★ 3.0 · 2 reviews | 2.99% | 3.99% |
| 2 | EDUCATIONAL EMPLOYEES ★ 3.2 · 118 reviews | 3.99% | 4.49% |
| 3 | FRESNO POLICE DEPARTMENT ★ 3.7 · 7 reviews | 4.23% | 5.11% |
| 4 | CENTRAL VALLEY FIREFIGHTERS ★ 4.1 · 12 reviews | 4.52% | 6.10% |
| 5 | GREATER VALLEY ★ 4.0 · 4 reviews | 5.01% | 5.29% |
| 6 | SAN JOAQUIN POWER EMPLOYEES ★ 4.8 · 6 reviews | 5.02% | 4.79% |
| 7 | FIRST CALIFORNIA ★ 2.8 · 37 reviews | 5.22% | 5.81% |
| 8 | UNITED LOCAL ★ 3.3 · 36 reviews | 5.47% | 6.24% |
| 9 | NOBLE ★ 4.7 · 365 reviews | 6.68% | 6.72% |
9 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | FRESNO GRANGERS ★ 3.0 · 2 reviews | 3.99% | 2.99% |
| 2 | EDUCATIONAL EMPLOYEES ★ 3.2 · 118 reviews | 4.49% | 3.99% |
| 3 | SAN JOAQUIN POWER EMPLOYEES ★ 4.8 · 6 reviews | 4.79% | 5.02% |
| 4 | FRESNO POLICE DEPARTMENT ★ 3.7 · 7 reviews | 5.11% | 4.23% |
| 5 | GREATER VALLEY ★ 4.0 · 4 reviews | 5.29% | 5.01% |
| 6 | FIRST CALIFORNIA ★ 2.8 · 37 reviews | 5.81% | 5.22% |
| 7 | CENTRAL VALLEY FIREFIGHTERS ★ 4.1 · 12 reviews | 6.10% | 4.52% |
| 8 | UNITED LOCAL ★ 3.3 · 36 reviews | 6.24% | 5.47% |
| 9 | NOBLE ★ 4.7 · 365 reviews | 6.72% | 6.68% |
A pre-approval from a Fresno 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 Fresno in the same window and take the best offer.
See member reviews, branch locations, and full rate details.