Auto Loans · San Francisco, California
4 credit unions in San Francisco report car loan rates to the NCUA. Rates range from 4.88% to 6.00%.
Updated Q1 2026 · NCUA Call Report data
4
CUs Reporting Rates
4.88%
Lowest New Car Rate
5.33%
City Average Rate
4 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | SAN FRANCISCO FIRE ★ 3.6 · 124 reviews | 4.88% | 5.00% |
| 2 | SAN FRANCISCO ★ 4.1 · 510 reviews | 5.05% | 5.55% |
| 3 | SAN FRANCISCO LEE ★ 4.5 · 4 reviews | 5.38% | — |
| 4 | NORTHEAST COMMUNITY ★ 4.2 · 13 reviews | 6.00% | 6.00% |
3 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | SAN FRANCISCO FIRE ★ 3.6 · 124 reviews | 5.00% | 4.88% |
| 2 | SAN FRANCISCO ★ 4.1 · 510 reviews | 5.55% | 5.05% |
| 3 | NORTHEAST COMMUNITY ★ 4.2 · 13 reviews | 6.00% | 6.00% |
A pre-approval from a San Francisco 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 San Francisco in the same window and take the best offer.
See member reviews, branch locations, and full rate details.