Auto Loans · Redwood City, California
3 credit unions in Redwood City report car loan rates to the NCUA. Rates range from 4.57% to 5.37%.
Updated Q1 2026 · NCUA Call Report data
3
CUs Reporting Rates
4.57%
Lowest New Car Rate
5.10%
City Average Rate
3 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | POLAM ★ 3.8 · 6 reviews | 4.57% | 5.99% |
| 2 | MONTERRA ★ 3.1 · 51 reviews | 5.37% | 5.26% |
| 3 | PROVIDENT ★ 3.6 · 28 reviews | 5.37% | 5.37% |
3 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | MONTERRA ★ 3.1 · 51 reviews | 5.26% | 5.37% |
| 2 | PROVIDENT ★ 3.6 · 28 reviews | 5.37% | 5.37% |
| 3 | POLAM ★ 3.8 · 6 reviews | 5.99% | 4.57% |
A pre-approval from a Redwood City 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 Redwood City in the same window and take the best offer.
See member reviews, branch locations, and full rate details.