Auto Loans · Sacramento, California
5 credit unions in Sacramento report car loan rates to the NCUA. Rates range from 4.99% to 6.09%.
Updated Q1 2026 · NCUA Call Report data
5
CUs Reporting Rates
4.99%
Lowest New Car Rate
5.50%
City Average Rate
5 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | SACRAMENTO ★ 3.9 · 27 reviews | 4.99% | 5.19% |
| 2 | CALIFORNIA COMMUNITY ★ 3.2 · 16 reviews | 5.19% | 5.19% |
| 3 | CAHP ★ 4.8 · 13 reviews | 5.37% | 5.88% |
| 4 | FIRST U.S. COMMUNITY ★ 4.0 · 21 reviews | 5.84% | 7.74% |
| 5 | THE GOLDEN 1 ★ 2.4 · 30 reviews | 6.09% | 6.79% |
5 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | SACRAMENTO ★ 3.9 · 27 reviews | 5.19% | 4.99% |
| 2 | CALIFORNIA COMMUNITY ★ 3.2 · 16 reviews | 5.19% | 5.19% |
| 3 | CAHP ★ 4.8 · 13 reviews | 5.88% | 5.37% |
| 4 | THE GOLDEN 1 ★ 2.4 · 30 reviews | 6.79% | 6.09% |
| 5 | FIRST U.S. COMMUNITY ★ 4.0 · 21 reviews | 7.74% | 5.84% |
A pre-approval from a Sacramento 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 Sacramento in the same window and take the best offer.
See member reviews, branch locations, and full rate details.