Top credit unions in California ranked by best APR.
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Car rates are for 72 months. The rates listed are the best offered by the top credit unions in California for A-tier credit scores.
The APR listed may change at any time. Rates vary based on application date, terms, and credit rating.
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Unify Financial Credit Union
Unify was established in 1958 and has over 315,000 members at 50 credit unions in California.
Unify FCU was created by airline workers led by Terry Drinkwater, who was famous for his talks with President Eisenhower regarding American-made aircraft for passenger flights.
Anyone can join by opening a checking account.
Unify FCU ranks #1 on our 2023 credit union list for competitive rates on all loan types with top customer service.
Headquarters: 2305 West 190th St, Torrance, CA 90504
Golden 1 Credit Union
Golden 1 was founded in 1933 and has 1,150,000 members at 75 locations. It was known as the California State Employees Credit Union #1 until assets reached $100 million and the name was changed to Golden 1.
The field of membership includes all California residents.
Headquarters: 8945 Cal Center Dr, Sacramento, CA 95826
Kinecta Federal Credit Union
Kinecta was established in 1940 and serves 275,000 members at 30 branches in CA.
Kinecta was created by engineers from the Howard Hughes Aircraft Company. The first branch was in a manufacturing plant that built the world's fastest aircraft of the era, the Hughes H-1 Racer.
Anyone can join through the Innovision Society.
Headquarters: 1440 Rosecrans Ave, Manhattan Beach, CA 90266
California Coast Credit Union
Cal Coast was founded in 1929 and serves 200,000 members at 28 credit unions in California. It's the oldest credit union in southern California, and began to support local school teachers and AT&T operators.
Residents of San Diego County and Riverside County are eligible to join with a $25 initial deposit.
Headquarters: 9201 Spectrum Center Blvd, San Diego, CA 92123
LBS Financial Credit Union
LBS was established in 1935 and has 140,000 members from 8 credit unions in California.
It was created to support Long Beach Schools, but all California residents qualify for membership when opening a savings account with a $5 deposit.
Headquarters: 4341 E 10th St, Long Beach, CA, 90804
San Francisco Federal Credit Union
SFFCU was founded in 1954 and serves 50,000 members at 9 unions. The first members signed up at a kitchen table in the Capp Street Mission District.
The main field of membership includes San Francisco and San Mateo counties, but anyone can join through the MyPath organization.
Headquarters: 770 Golden Gate Ave, San Francisco, CA 94102
Logix Federal Credit Union
Logix was established in 1937 and has 215,000 members at 18 locations in CA. The ways to join include all California residents.
Logix promotes community outreach through volunteer work days, which continue to pay employees on days they volunteer in the community instead of coming to work.
Headquarters: 27918 Franklin Pkwy, Valencia, CA 91355
Star One Credit Union
Founded in 1956, Star One CU serves 125,000 members at 7 unions. It was created by the Lockheed company to support workers in the Space Division at their satellite development plant.
The field of membership includes Lockheed Martin employees and residents of the following counties: Alameda, Merced, Monterey, San Benito, San Joaquin, San Mateo, Santa Clara, Santa Cruz, and Stanislaus.
Headquarters: 1306 Bordeaux Dr, Sunnyvale, CA 94089
Los Angeles Federal Credit Union
Established in 1936 for LA city employees, LAFCU serves 26,000 clients at 7 locations in California. The first branch was inside Los Angeles City Hall.
The ways to join include LA City employees and residents of the greater Los Angeles Metropolitan area, which includes the counties of Los Angeles, Orange, Ventura, Riverside, or San Bernardino.
Headquarters: 201 N Los Angeles St #201, Los Angeles, CA 90012
First Tech Federal Credit Union
FTFCU was founded in 1952 and has over 675,000 members at 35 branches. It began with Hewlett-Packard computer engineers as a credit union for technology-focused companies and their employees.
Anyone can join after becoming a member of the Computer History Museum, a non-profit organization whose members become eligible to join FTFCU.
Headquarters: 2702 Orchard Pkwy, San Jose, CA 95134