Auto Loans · Santa Rosa, California
3 credit unions in Santa Rosa report car loan rates to the NCUA. Rates range from 5.74% to 8.00%.
Updated Q1 2026 · NCUA Call Report data
3
CUs Reporting Rates
5.74%
Lowest New Car Rate
6.49%
City Average Rate
3 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | REDWOOD ★ 3.9 · 101 reviews | 5.74% | 5.89% |
| 2 | COMMUNITY FIRST ★ 4.2 · 93 reviews | 5.74% | 5.74% |
| 3 | SONOMA ★ 4.0 · 19 reviews | 8.00% | 8.00% |
3 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | COMMUNITY FIRST ★ 4.2 · 93 reviews | 5.74% | 5.74% |
| 2 | REDWOOD ★ 3.9 · 101 reviews | 5.89% | 5.74% |
| 3 | SONOMA ★ 4.0 · 19 reviews | 8.00% | 8.00% |
A pre-approval from a Santa Rosa 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 Rosa in the same window and take the best offer.
See member reviews, branch locations, and full rate details.