Auto Loans · Modesto, California
4 credit unions in Modesto report car loan rates to the NCUA. Rates range from 5.50% to 6.79%.
Updated Q1 2026 · NCUA Call Report data
4
CUs Reporting Rates
5.50%
Lowest New Car Rate
5.99%
City Average Rate
4 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | MODESTO'S FIRST ★ 4.2 · 20 reviews | 5.50% | 6.50% |
| 2 | ORGANIZED LABOR ★ 4.4 · 11 reviews | 5.50% | 5.75% |
| 3 | VALLEY FIRST | 6.18% | 7.08% |
| 4 | MOCSE ★ 3.3 · 45 reviews | 6.79% | 6.84% |
4 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | ORGANIZED LABOR ★ 4.4 · 11 reviews | 5.75% | 5.50% |
| 2 | MODESTO'S FIRST ★ 4.2 · 20 reviews | 6.50% | 5.50% |
| 3 | MOCSE ★ 3.3 · 45 reviews | 6.84% | 6.79% |
| 4 | VALLEY FIRST | 7.08% | 6.18% |
A pre-approval from a Modesto 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 Modesto in the same window and take the best offer.
See member reviews, branch locations, and full rate details.