Auto Loans · Ridgecrest, California
2 credit unions in Ridgecrest report car loan rates to the NCUA. Rates range from 5.99% to 6.01%.
Updated Q1 2026 · NCUA Call Report data
2
CUs Reporting Rates
5.99%
Lowest New Car Rate
6.00%
City Average Rate
2 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | ALTAONE ★ 2.9 · 53 reviews | 5.99% | 6.24% |
| 2 | DESERT VALLEYS ★ 4.9 · 329 reviews | 6.01% | 8.19% |
2 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | ALTAONE ★ 2.9 · 53 reviews | 6.24% | 5.99% |
| 2 | DESERT VALLEYS ★ 4.9 · 329 reviews | 8.19% | 6.01% |
A pre-approval from a Ridgecrest 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 Ridgecrest in the same window and take the best offer.
See member reviews, branch locations, and full rate details.