Auto Loans · San Jose, California
9 credit unions in San Jose report car loan rates to the NCUA. Rates range from 3.49% to 6.85%.
Updated Q1 2026 · NCUA Call Report data
9
CUs Reporting Rates
3.49%
Lowest New Car Rate
5.43%
City Average Rate
9 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | KEYPOINT ★ 4.6 · 78 reviews | 3.49% | 5.99% |
| 2 | FIRST TECHNOLOGY ★ 4.0 · 302 reviews | 4.99% | 4.99% |
| 3 | PREMIER ONE ★ 4.0 · 26 reviews | 5.15% | 5.25% |
| 4 | TECHNOLOGY ★ 3.3 · 43 reviews | 5.24% | 5.89% |
| 5 | F3 ★ 4.2 · 41 reviews | 5.49% | 6.49% |
| 6 | COMMONWEALTH CENTRAL ★ 3.7 · 61 reviews | 5.59% | 5.79% |
| 7 | MIRASTAR ★ 5.0 · 24 reviews | 5.74% | 5.74% |
| 8 | EXCITE ★ 3.5 · 54 reviews | 6.33% | 7.68% |
| 9 | MERIWEST ★ 4.7 · 427 reviews | 6.85% | 6.67% |
9 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | FIRST TECHNOLOGY ★ 4.0 · 302 reviews | 4.99% | 4.99% |
| 2 | PREMIER ONE ★ 4.0 · 26 reviews | 5.25% | 5.15% |
| 3 | MIRASTAR ★ 5.0 · 24 reviews | 5.74% | 5.74% |
| 4 | COMMONWEALTH CENTRAL ★ 3.7 · 61 reviews | 5.79% | 5.59% |
| 5 | TECHNOLOGY ★ 3.3 · 43 reviews | 5.89% | 5.24% |
| 6 | KEYPOINT ★ 4.6 · 78 reviews | 5.99% | 3.49% |
| 7 | F3 ★ 4.2 · 41 reviews | 6.49% | 5.49% |
| 8 | MERIWEST ★ 4.7 · 427 reviews | 6.67% | 6.85% |
| 9 | EXCITE ★ 3.5 · 54 reviews | 7.68% | 6.33% |
A pre-approval from a San Jose 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 Jose in the same window and take the best offer.
See member reviews, branch locations, and full rate details.