MonitorBankRates
☰
  1. Home
  2. ›
  3. Auto Loans
  4. ›
  5. Alaska
  6. ›
  7. Sitka
  8. iAdvertiser Disclosure
    Advertiser Disclosure Some of the institutions listed may have a business relationship with MonitorBankRates. However, our proprietary systems independently track and verify all rates and data displayed. Advertiser relationships do not influence our Health Safety Rating, Star Ratings or Texas Ratio calculation, or the rates shown.

Auto Loan Rates in Sitka, Alaska (AK) for May 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
  • Automated Online Rate Data Aggregation
  • Location-Based Rate Tables
  • Bank & Credit Union Health Safety Ratings
  • Bank & Credit Union Star Ratings
  • Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
| i Editorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Sitka, Alaska. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
| ✓Fact Checked | Auto Loan Rates — Last Updated and Verified: May 2, 2026

Current auto loan rates in Sitka, Alaska include TONGASSTONGASS401 Halibut Point Rd, Sitka, AK, 99835 7301A+5.0 ★Texas Ratio: 0.00% offering New & Used Auto Loans at 2.50%, Alaska Air Group Federal Credit UnionAlaska Air Group Federal Credit UnionA+5.0 ★Texas Ratio: 0.33% offering New Auto (2021 and Newer) - 4 years / 48 months at 4.74%, NORTHERN SKIESNORTHERN SKIESA+5.0 ★Texas Ratio: 2.27% offering New Auto Loan at 4.99%, TRUE NORTHTRUE NORTHA+5.0 ★Texas Ratio: 0.00% offering Autos at 5.45%, Alaska District Engineers Federal Credit UnionAlaska District Engineers Federal Credit UnionA+5.0 ★Texas Ratio: 0.51% offering New/Used Auto at 5.50%. Auto loan rates as of May 2, 2026 according to verified data from MonitorBankRates.

Sitka has 1 local institution in our database, with auto loan rates as low as 2.50% APR from TONGASS at 401 Halibut Point Rd, Sitka, AK, 99835 7301. Use the tabs below to compare new and used auto loan rates. Rates are continually updated — we recommend checking back frequently.

Auto loan rates reflect recent market quotes and representative offers available to borrowers in Sitka, Alaska. Auto Loan Rates Last Updated and Verified: May 2, 2026

Compare Auto Loan Rates Today in Sitka, Alaska & Surrounding Area

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
TONGASS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
401 Halibut Point Rd, Sitka, AK, 99835 7301
New & Used Auto Loans
2.50%
24-84
View
▼
APR2.50%
Term24-84
Last UpdatedMay 2, 2026
Details

TONGASS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
401 Halibut Point Rd, Sitka, AK, 99835 7301
New & Used Auto Loans
5.50%
24-84
View
▼
APR5.50%
Term24-84
Last UpdatedMay 2, 2026
Details

Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
New Auto (2021 and Newer) - 4 years / 48 months
4.74%
4 years / 48 months
View
▼
APR4.74%
Term4 years / 48 months
Last UpdatedApr 25, 2026
Details

Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
New Auto (2021 and Newer) - 5 years / 60 months
4.99%
5 years / 60 months
View
▼
APR4.99%
Term5 years / 60 months
Last UpdatedApr 25, 2026
Details

NORTHERN SKIES
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
New Auto Loan
4.99%
84 Months
View
▼
APR4.99%
Term84 Months
Last UpdatedMay 2, 2026
Details

As Low As; Up to 84 months (APR may vary)

NORTHERN SKIES
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
Used Auto Loan
4.99%
84 Months
View
▼
APR4.99%
Term84 Months
Last UpdatedMay 2, 2026
Details

As Low As; Up to 84 months (APR may vary)

Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
New Auto (2021 and Newer) - 6 years / 72 months
5.24%
6 years / 72 months
View
▼
APR5.24%
Term6 years / 72 months
Last UpdatedApr 25, 2026
Details

TRUE NORTH
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Autos
5.45%
12-60 months
View
▼
APR5.45%
Term12-60 months
Last UpdatedMay 2, 2026
Details

As Low As

Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
New Auto (2021 and Newer) - 7 years / 84 months
5.49%
7 years / 84 months
View
▼
APR5.49%
Term7 years / 84 months
Last UpdatedApr 25, 2026
Details

Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
Used Auto (Models 2017 - 2020) - 4 years / 48 months
5.49%
4 years / 48 months
View
▼
APR5.49%
Term4 years / 48 months
Last UpdatedApr 25, 2026
Details

Alaska District Engineers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
New/Used Auto
5.50%
84 months max
View
▼
APR5.50%
Term84 months max
Last UpdatedApr 25, 2026
Details

TRUE NORTH
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Autos
5.65%
84 months
View
▼
APR5.65%
Term84 months
Last UpdatedMay 2, 2026
Details

As Low As

Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
Used Auto (Models 2017 - 2020) - 5 years / 60 months
5.74%
5 years / 60 months
View
▼
APR5.74%
Term5 years / 60 months
Last UpdatedApr 25, 2026
Details

Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
Used Auto (Models 2017 - 2020) - 6 years / 72 months
5.99%
6 years / 72 months
View
▼
APR5.99%
Term6 years / 72 months
Last UpdatedApr 25, 2026
Details

Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
Used Auto (Models 2017 - 2020) - 7 years / 84 months
6.24%
7 years / 84 months
View
▼
APR6.24%
Term7 years / 84 months
Last UpdatedApr 25, 2026
Details

MAC Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.47%
New Vehicles
6.39%
120 months
View
▼
APR6.39%
Term120 months
Last UpdatedApr 25, 2026
Details

As Low As

MAC Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.47%
Used Vehicles
6.49%
96 months
View
▼
APR6.49%
Term96 months
Last UpdatedApr 25, 2026
Details

As Low As

TRUE NORTH
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Autos
6.65%
96 months
View
▼
APR6.65%
Term96 months
Last UpdatedMay 2, 2026
Details

As Low As

TRUE NORTH
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Autos
7.15%
120 months
View
▼
APR7.15%
Term120 months
Last UpdatedMay 2, 2026
Details

As Low As

NORTHERN SKIES
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
Classics & Collectibles Auto Loan
8.50%
72 Months
View
▼
APR8.50%
Term72 Months
Last UpdatedMay 2, 2026
Details

As Low As; Up to 72 months (APR may vary)

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
TONGASS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
401 Halibut Point Rd, Sitka, AK, 99835 7301
New & Used Auto Loans
2.50%
24-84
View
▼
APR2.50%
Term24-84
Last UpdatedMay 2, 2026
Details

TONGASS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
401 Halibut Point Rd, Sitka, AK, 99835 7301
New & Used Auto Loans
5.50%
24-84
View
▼
APR5.50%
Term24-84
Last UpdatedMay 2, 2026
Details

Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
New Auto (2021 and Newer) - 4 years / 48 months
4.74%
4 years / 48 months
View
▼
APR4.74%
Term4 years / 48 months
Last UpdatedApr 25, 2026
Details

Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
New Auto (2021 and Newer) - 5 years / 60 months
4.99%
5 years / 60 months
View
▼
APR4.99%
Term5 years / 60 months
Last UpdatedApr 25, 2026
Details

NORTHERN SKIES
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
New Auto Loan
4.99%
84 Months
View
▼
APR4.99%
Term84 Months
Last UpdatedMay 2, 2026
Details

As Low As; Up to 84 months (APR may vary)

Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
New Auto (2021 and Newer) - 6 years / 72 months
5.24%
6 years / 72 months
View
▼
APR5.24%
Term6 years / 72 months
Last UpdatedApr 25, 2026
Details

Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
New Auto (2021 and Newer) - 7 years / 84 months
5.49%
7 years / 84 months
View
▼
APR5.49%
Term7 years / 84 months
Last UpdatedApr 25, 2026
Details

Alaska District Engineers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
New/Used Auto
5.50%
84 months max
View
▼
APR5.50%
Term84 months max
Last UpdatedApr 25, 2026
Details

MAC Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.47%
New Vehicles
6.39%
120 months
View
▼
APR6.39%
Term120 months
Last UpdatedApr 25, 2026
Details

As Low As

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
TONGASS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
401 Halibut Point Rd, Sitka, AK, 99835 7301
New & Used Auto Loans
2.50%
24-84
View
▼
APR2.50%
Term24-84
Last UpdatedMay 2, 2026
Details

TONGASS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
401 Halibut Point Rd, Sitka, AK, 99835 7301
New & Used Auto Loans
5.50%
24-84
View
▼
APR5.50%
Term24-84
Last UpdatedMay 2, 2026
Details

NORTHERN SKIES
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
Used Auto Loan
4.99%
84 Months
View
▼
APR4.99%
Term84 Months
Last UpdatedMay 2, 2026
Details

As Low As; Up to 84 months (APR may vary)

Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
Used Auto (Models 2017 - 2020) - 4 years / 48 months
5.49%
4 years / 48 months
View
▼
APR5.49%
Term4 years / 48 months
Last UpdatedApr 25, 2026
Details

Alaska District Engineers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
New/Used Auto
5.50%
84 months max
View
▼
APR5.50%
Term84 months max
Last UpdatedApr 25, 2026
Details

Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
Used Auto (Models 2017 - 2020) - 5 years / 60 months
5.74%
5 years / 60 months
View
▼
APR5.74%
Term5 years / 60 months
Last UpdatedApr 25, 2026
Details

Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
Used Auto (Models 2017 - 2020) - 6 years / 72 months
5.99%
6 years / 72 months
View
▼
APR5.99%
Term6 years / 72 months
Last UpdatedApr 25, 2026
Details

Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
Used Auto (Models 2017 - 2020) - 7 years / 84 months
6.24%
7 years / 84 months
View
▼
APR6.24%
Term7 years / 84 months
Last UpdatedApr 25, 2026
Details

MAC Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.47%
Used Vehicles
6.49%
96 months
View
▼
APR6.49%
Term96 months
Last UpdatedApr 25, 2026
Details

As Low As

Sitka, AK Auto Loan Rate Trends

Compare local Sitka, AK auto loan rates against the statewide average

Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.

View Full Alaska Auto Trends →
New Auto Loan — AK Avg
5.626%
Unchanged vs 7 days ago

Alaska new auto loan rates currently average 5.626% APR.

Used Auto Loan — AK Avg
6.014%
Unchanged vs 7 days ago

Alaska used auto loan rates currently average 6.014% APR.

As of May 5, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Frequently Asked Questions about Auto Loans in Sitka, Alaska

How does my credit score affect my car loan rate in Alaska?

Your credit score is the biggest factor determining your auto loan APR. Borrowers in Sitka, Alaska with excellent credit (750+) qualify for the lowest rates, while those with lower scores will see significantly higher interest costs.

Is it better to finance through a dealership or a bank?

It is highly recommended to get pre-approved through a local bank or credit union in Alaska *before* visiting a dealership. Dealerships often mark up interest rates to make a profit.

What is the difference between New and Used Auto Loan rates?

Lenders in Sitka, Alaska typically offer lower interest rates for new cars because they are easier to value and represent less risk. Used car loans generally carry slightly higher APRs.

How long should my auto loan term be?

While 72-month and 84-month loans lower your monthly payment, they cost you far more in total interest. The ideal auto loan term is 60 months or less.

What are the best Auto Loan rates in Sitka, Alaska?

Based on our current data, some of the lowest auto loan rates available in Sitka, Alaska include:
  • TONGASS: 2.50% (New & Used Auto Loans)
  • Alaska Air Group Federal Credit Union: 4.74% (New Auto (2021 and Newer) - 4 years / 48 months)
  • NORTHERN SKIES: 4.99% (New Auto Loan)
  • TRUE NORTH: 5.45% (Autos)
  • Alaska District Engineers Federal Credit Union: 5.50% (New/Used Auto)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Sitka, Alaska. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 2, 2026

Sitka, Alaska Rates & Resources

$
Sitka, Alaska CD Rates
$
Sitka, Alaska Savings Rates
$
Sitka, Alaska Money Market Rates
$
Sitka, Alaska Mortgage Rates
$
Sitka, Alaska Checking Account Rates
$
Sitka, Alaska Personal Loan Rates