Auto Loans · Martinez, California
3 credit unions in Martinez report car loan rates to the NCUA. Rates range from 4.74% to 4.97%.
Updated Q1 2026 · NCUA Call Report data
3
CUs Reporting Rates
4.74%
Lowest New Car Rate
4.88%
City Average Rate
3 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | 1ST NORTHERN CALIFORNIA ★ 2.9 · 42 reviews | 4.74% | 4.74% |
| 2 | MCKESSON & HEALTHCARE PROVIDERS ★ 4.7 · 90 reviews | 4.94% | 6.44% |
| 3 | SHELL WESTERN STATES ★ 4.0 · 13 reviews | 4.97% | 5.55% |
3 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | 1ST NORTHERN CALIFORNIA ★ 2.9 · 42 reviews | 4.74% | 4.74% |
| 2 | SHELL WESTERN STATES ★ 4.0 · 13 reviews | 5.55% | 4.97% |
| 3 | MCKESSON & HEALTHCARE PROVIDERS ★ 4.7 · 90 reviews | 6.44% | 4.94% |
A pre-approval from a Martinez 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 Martinez in the same window and take the best offer.
See member reviews, branch locations, and full rate details.