Auto Loans · Hayward, California
1 credit union in Hayward report car loan rates to the NCUA. Lowest rate: 5.01%.
Updated Q1 2026 · NCUA Call Report data
1
CUs Reporting Rates
5.01%
Lowest New Car Rate
5.01%
City Average Rate
1 credit union sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | BAY CITIES ★ 3.7 · 45 reviews | 5.01% | 5.76% |
1 credit union sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | BAY CITIES ★ 3.7 · 45 reviews | 5.76% | 5.01% |
A pre-approval from a Hayward 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 Hayward in the same window and take the best offer.
See member reviews, branch locations, and full rate details.