California Community Credit Union

Founded in 1939, the California Credit Union was originally open to employees of the Department of Employment in Sacramento. Membership is now open to all who live or work in Sacramento, Placer, and Stanislaus Counties, California.

California Community Credit Union
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    How do California Community Credit Union auto loans work?

    Only members will be able to access the credit union’s auto loans.

    However, once accepted, you may get interest rates as low as 3.19%, and can get discounts on your rate if you own other products with the credit union such as a checking account or credit card. 

    It doesn’t state how long your repayment terms might be, though, so you’ll have to get in touch and ask directly. 

    Credit score

    The credit union doesn’t disclose what its minimum credit score requirements are.

    However, most credit unions are willing to provide assistance to members who have bad credit.

    How Much Can You Borrow?

    You can borrow a maximum of 125% of the market value of the vehicle you wish to purchase.

    What types of vehicles are eligible for financing?

    You can finance any new and used car.

    How do I qualify?

    You must be a resident, or work in, one of three counties in California; Sacramento, Placer, or Stanislaus. This will enable you to join the credit union and access its auto loans.

    What documents do I need?

    The California Community Credit Union doesn’t list the documents you’ll need to apply.

    Most auto loans however require at least one form of photo ID and proof of income.

    What are the fees?

    No fees are listed on the credit union website. Generally, credit unions either charge no fees or very low fees, but you’ll need to get in touch with California Community Credit Union before you apply to confirm.

    How long does the loan process take?

    The online application process is a little longer than other auto loan providers, however, you should still be able to complete it in around 15 minutes.

    The credit union doesn’t go into any details on how long it might take to be approved.

    How to apply for an auto loan?

    You can apply online but, if you have any questions, you can reach out over the phone or via email before you submit your application.

    What payment methods are supported?

    The credit union isn’t completely clear on its repayment methods. While you can pay off your credit cards via online banking, it doesn’t say whether this applies to auto loans too.

    All repayment options will be made clear on the application.

    Pros and Cons


    • Discounts for holding other California Community Credit Union products, up to 0.50% in total
    • You can borrow up to 125% of the car’s value


    • Fees, repayment options and credit requirements aren’t made clear before application
    • Membership is only open to those living and working in three counties in California

    Is California Community Credit Union right for you?

    If you live in the Sacramento, Placer, or Stanislaus areas, you might consider giving this credit union a try.

    However, the limited information available pre-application might put some people off.

    In addition, residency requirements will rule out most people anyway.

    Instead, you should try a nationwide auto loan provider like Capital One.

    It gives you transparent interest rate information before you apply, and makes all fees clear from the outset.