Auto Loans · Santa Cruz, California
1 credit union in Santa Cruz report car loan rates to the NCUA. Lowest rate: 8.09%.
Updated Q1 2026 · NCUA Call Report data
1
CUs Reporting Rates
8.09%
Lowest New Car Rate
8.09%
City Average Rate
1 credit union sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | SANTA CRUZ COMMUNITY ★ 3.0 · 26 reviews | 8.09% | 9.32% |
1 credit union sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | SANTA CRUZ COMMUNITY ★ 3.0 · 26 reviews | 9.32% | 8.09% |
A pre-approval from a Santa Cruz 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 Santa Cruz in the same window and take the best offer.
See member reviews, branch locations, and full rate details.