Auto Loan Rates in Fossil, Oregon (OR) for May 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
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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.
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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 Fossil, Oregon. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Fossil, Oregon include South Coast ILWU Federal Credit UnionSouth Coast ILWU Federal Credit UnionA+5.0 ★Texas Ratio: 0.00% offering New or Used Auto Loans at 3.85%, Ironworkers USA Federal Credit UnionIronworkers USA Federal Credit UnionC+4.2 ★Texas Ratio: 24.46% offering New Vehicles at 4.24%, EWEB EMPLOYEESEWEB EMPLOYEESC+4.1 ★Texas Ratio: 25.28% offering New & Used Vehicles (Purchase or Refinance) at 4.25%, NW Priority Credit UnionNW Priority Credit UnionA+5.0 ★Texas Ratio: 0.73% offering Purchase New Auto or Refinance at 4.49%, Rogue Credit UnionRogue Credit UnionA+5.0 ★Texas Ratio: 5.00% offering Newer (2023 and Newer) Auto Loans at 4.49%. Auto loan rates as of May 12, 2026 according to verified data from MonitorBankRates.
Fossil borrowers have access to 22 lenders serving the Oregon area, with auto loan rates as low as 3.85% APR from South Coast ILWU Federal Credit Union. 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 Fossil, Oregon. Auto Loan Rates Last Updated and Verified: May 12, 2026
Compare Auto Loan Rates Today in Fossil, Oregon & Surrounding Area
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
South Coast ILWU Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New or Used Auto Loans
3.85%
72 Months
▼
APR3.85%
Term72 Months
Last UpdatedMay 6, 2026
Details
Ironworkers USA Federal Credit Union
Institution Rating:
C+4.2 ★ Texas Ratio: 24.46%
New Vehicles
4.24%
36-84 months
▼
APR4.24%
Term36-84 months
Last UpdatedMay 7, 2026
Details
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance)
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedMay 12, 2026
Details
As Low As; New
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance) New
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedMay 12, 2026
Details
As Low As
APR4.25%
Term36 Months
Last UpdatedMay 12, 2026
Details
NW Priority Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
Purchase New Auto or Refinance
4.49%
2025 and Newer
▼
APR4.49%
Term2025 and Newer
Last UpdatedMay 10, 2026
Details
Rogue Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
Newer (2023 and Newer) Auto Loans
4.49%
36 Month
▼
APR4.49%
Term36 Month
Last UpdatedMay 12, 2026
Details
As Low As
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance)
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedMay 12, 2026
Details
As Low As; Used
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance) Used
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedMay 12, 2026
Details
As Low As
APR4.50%
Term36 Months
Last UpdatedMay 12, 2026
Details
Teamsters Council #37 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
Auto Loan
4.74%
36 months
▼
APR4.74%
Term36 months
Last UpdatedMay 7, 2026
Details
As Low As; 2024 & Newer
NW Priority Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
Used Auto
4.74%
2016 - 2024
▼
APR4.74%
Term2016 - 2024
Last UpdatedMay 10, 2026
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
Auto Loan
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedMay 12, 2026
Details
As Low As
Rogue Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
Older (2022 and Older) Auto Loans
4.74%
36 Month
▼
APR4.74%
Term36 Month
Last UpdatedMay 12, 2026
Details
As Low As
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance)
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedMay 12, 2026
Details
As Low As; New
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance) New
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedMay 12, 2026
Details
As Low As
APR4.75%
Term48 Months
Last UpdatedMay 12, 2026
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
Auto Loan
4.89%
72 Months
▼
APR4.89%
Term72 Months
Last UpdatedMay 12, 2026
Details
As Low As
Cascade Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
New and Used Auto Loans
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMay 6, 2026
Details
Teamsters Council #37 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
Auto Loan
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedMay 7, 2026
Details
As Low As; 2024 & Newer
Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.31%
New Autos (Model Years 2020-2026)
4.99%
Up to 66 months
▼
APR4.99%
TermUp to 66 months
Last UpdatedMay 7, 2026
Details
As Low As; APR (Min)
Point West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
New Vehicle Loan (2023 and newer)
4.99%
24 months
▼
APR4.99%
Term24 months
Last UpdatedMay 10, 2026
Details
As Low As
Forrit Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
New/Used Autos Fixed
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As; Regular APR: 13.35%
APR4.99%
TermUp to 84 Months
Last UpdatedMay 12, 2026
Details
Rogue Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
Newer (2023 and Newer) Auto Loans
4.99%
72 Month
▼
APR4.99%
Term72 Month
Last UpdatedMay 12, 2026
Details
As Low As
Rogue Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
Older (2022 and Older) Auto Loans
4.99%
60 Month
▼
APR4.99%
Term60 Month
Last UpdatedMay 12, 2026
Details
As Low As
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance)
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedMay 12, 2026
Details
As Low As; Used
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance) New
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedMay 12, 2026
Details
As Low As
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance) Used
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedMay 12, 2026
Details
As Low As
APR5.00%
Term72 Months
Last UpdatedMay 12, 2026
Details
APR5.00%
Term48 Months
Last UpdatedMay 12, 2026
Details
Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.22%
New Autos (2025 or Newer)
5.04%
Up to 36 months
▼
APR5.04%
TermUp to 36 months
Last UpdatedMay 10, 2026
Details
Ironworkers USA Federal Credit Union
Institution Rating:
C+4.2 ★ Texas Ratio: 24.46%
Used Vehicles
5.24%
36-84 months
▼
APR5.24%
Term36-84 months
Last UpdatedMay 7, 2026
Details
Teamsters Council #37 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
Auto Loan
5.24%
36 months
▼
APR5.24%
Term36 months
Last UpdatedMay 7, 2026
Details
As Low As; 2018-2023
Central Willamette Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.01%
New Auto
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedMay 10, 2026
Details
Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.22%
New Autos (2025 or Newer)
5.24%
37-60 months
▼
APR5.24%
Term37-60 months
Last UpdatedMay 10, 2026
Details
Point West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
New Vehicle Loan (2023 and newer)
5.24%
60 months
▼
APR5.24%
Term60 months
Last UpdatedMay 10, 2026
Details
As Low As
Forrit Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
New/Used Autos Fixed
5.24%
84 Months
▼
APR5.24%
Term84 Months
Last UpdatedMay 10, 2026
Details
As Low As; Regular APR: 13.60%
APR5.24%
TermUp to 84 Months
Last UpdatedMay 12, 2026
Details
Rogue Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
Older (2022 and Older) Auto Loans
5.24%
72 Month
▼
APR5.24%
Term72 Month
Last UpdatedMay 12, 2026
Details
As Low As
Northwest Adventist Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
New Vehicles
5.25%
24-84
▼
APR5.25%
Term24-84
Last UpdatedMay 7, 2026
Details
Northwest Adventist Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
Used Vehicle
5.25%
24-84
▼
APR5.25%
Term24-84
Last UpdatedMay 7, 2026
Details
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance)
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMay 12, 2026
Details
As Low As; Used
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance) New
5.25%
84 Months
▼
APR5.25%
Term84 Months
Last UpdatedMay 12, 2026
Details
As Low As
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance) Used
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMay 12, 2026
Details
As Low As
APR5.25%
Term84 Months
Last UpdatedMay 12, 2026
Details
APR5.25%
Term72 Months
Last UpdatedMay 12, 2026
Details
Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.22%
New Autos (2025 or Newer)
5.34%
61-66 months
▼
APR5.34%
Term61-66 months
Last UpdatedMay 10, 2026
Details
Point West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
Used Vehicle Loan (2018 - 2022)
5.34%
24 months
▼
APR5.34%
Term24 months
Last UpdatedMay 10, 2026
Details
As Low As; *APR = Annual Percentage Rate. All rates and programs are subject to change at any time. Rates are based on your credit history and current credit report. Loan term may be based on amount financed, age of collateral and your credit score. All loans are subject to credit approval. For lowest rate, payments must be made via automatic payment. Rate is 0.25% APR higher for non-auto pay loan payments. Quoted rate applies only to directly funded loans. Contact Point West at 503.546.5000 or 888.468.5826 for the latest complete rates and terms. See full rates details and disclosures >>
Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.22%
New Autos (2025 or Newer)
5.44%
67-75 months
▼
APR5.44%
Term67-75 months
Last UpdatedMay 10, 2026
Details
Oregon State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
New auto (2025 - 2027)
5.44%
Up to 72 months
▼
APR5.44%
TermUp to 72 months
Last UpdatedMay 12, 2026
Details
As Low As
Trailhead Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.69%
Autos (New & Used)
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMay 6, 2026
Details
As Low As; Regular APR: 5.49% - 18.00%
Cascade Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
New and Used Auto Loans
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMay 6, 2026
Details
Teamsters Council #37 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
Auto Loan
5.49%
60 months
▼
APR5.49%
Term60 months
Last UpdatedMay 7, 2026
Details
As Low As; 2018-2023
IBEW SJ Cascade Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.49%
NEW VEHICLE
5.49%
96 Months
▼
APR5.49%
Term96 Months
Last UpdatedMay 7, 2026
Details
Up to 100% Financing
IBEW SJ Cascade Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.49%
USED VEHICLE
5.49%
84 Months**
▼
APR5.49%
Term84 Months**
Last UpdatedMay 7, 2026
Details
Central Willamette Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.01%
New Auto
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMay 10, 2026
Details
Point West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
New Vehicle Loan (2023 and newer)
5.49%
72 months
▼
APR5.49%
Term72 months
Last UpdatedMay 10, 2026
Details
As Low As
Rogue Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
Newer (2023 and Newer) Auto Loans
5.49%
84 Month
▼
APR5.49%
Term84 Month
Last UpdatedMay 12, 2026
Details
As Low As
Northwest Adventist Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
Member Appreciation Auto Loan Special
5.50%
72 Months
▼
APR5.50%
Term72 Months
Last UpdatedMay 7, 2026
Details
As Low As; *some restrictions apply
Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.31%
New Autos (Model Years 2020-2026)
5.50%
Up to 42 Months
▼
APR5.50%
TermUp to 42 Months
Last UpdatedMay 7, 2026
Details
As Low As; APR (Min)
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance)
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedMay 12, 2026
Details
As Low As; Used
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance) Used
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedMay 12, 2026
Details
As Low As
APR5.50%
Term84 Months
Last UpdatedMay 12, 2026
Details
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
New Auto
5.54%
Up to 60 months
▼
APR5.54%
TermUp to 60 months
Last UpdatedMay 6, 2026
Details
Point West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
Used Vehicle Loan (2018 - 2022)
5.59%
60 months
▼
APR5.59%
Term60 months
Last UpdatedMay 10, 2026
Details
As Low As; *APR = Annual Percentage Rate. All rates and programs are subject to change at any time. Rates are based on your credit history and current credit report. Loan term may be based on amount financed, age of collateral and your credit score. All loans are subject to credit approval. For lowest rate, payments must be made via automatic payment. Rate is 0.25% APR higher for non-auto pay loan payments. Quoted rate applies only to directly funded loans. Contact Point West at 503.546.5000 or 888.468.5826 for the latest complete rates and terms. See full rates details and disclosures >>
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
New Auto
5.64%
61 - 72 months
▼
APR5.64%
Term61 - 72 months
Last UpdatedMay 6, 2026
Details
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
Used Auto
5.69%
Up to 60 months
▼
APR5.69%
TermUp to 60 months
Last UpdatedMay 6, 2026
Details
Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.31%
Pre-Owned Vehicles (Model Years 2017-2019)
5.69%
42 Months
▼
APR5.69%
Term42 Months
Last UpdatedMay 7, 2026
Details
As Low As; APR (Min)
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
Business Auto Loans New auto (2023 and newer)
5.74%
36-60
▼
APR5.74%
Term36-60
Last UpdatedMay 10, 2026
Details
Point West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
New Vehicle Loan (2023 and newer)
5.74%
84 months
▼
APR5.74%
Term84 months
Last UpdatedMay 10, 2026
Details
As Low As
Rogue Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
Older (2022 and Older) Auto Loans
5.74%
84 Month
▼
APR5.74%
Term84 Month
Last UpdatedMay 12, 2026
Details
As Low As
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
Used Auto
5.79%
61 - 72 months
▼
APR5.79%
Term61 - 72 months
Last UpdatedMay 6, 2026
Details
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
New Auto
5.84%
73 - 84 months
▼
APR5.84%
Term73 - 84 months
Last UpdatedMay 6, 2026
Details
Point West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
Used Vehicle Loan (2018 - 2022)
5.84%
72 months
▼
APR5.84%
Term72 months
Last UpdatedMay 10, 2026
Details
As Low As; *APR = Annual Percentage Rate. All rates and programs are subject to change at any time. Rates are based on your credit history and current credit report. Loan term may be based on amount financed, age of collateral and your credit score. All loans are subject to credit approval. For lowest rate, payments must be made via automatic payment. Rate is 0.25% APR higher for non-auto pay loan payments. Quoted rate applies only to directly funded loans. Contact Point West at 503.546.5000 or 888.468.5826 for the latest complete rates and terms. See full rates details and disclosures >>
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
Business Auto Loans Used auto (2016-2022)
5.89%
36-60
▼
APR5.89%
Term36-60
Last UpdatedMay 10, 2026
Details
Oregon State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
Used auto (2011 - 2024)
5.94%
Up to 72 months
▼
APR5.94%
TermUp to 72 months
Last UpdatedMay 12, 2026
Details
As Low As
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
Used Auto
5.99%
73 - 84 months
▼
APR5.99%
Term73 - 84 months
Last UpdatedMay 6, 2026
Details
Cascade Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
New and Used Auto Loans
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMay 6, 2026
Details
Central Willamette Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.01%
Used Auto
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedMay 10, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
Business Auto Loans New auto (2023 and newer)
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMay 10, 2026
Details
Rogue Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
Newer (2023 and Newer) Auto Loans
5.99%
96 Month
▼
APR5.99%
Term96 Month
Last UpdatedMay 12, 2026
Details
As Low As
Point West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
Used Vehicle Loan (2018 - 2022)
6.09%
84 months
▼
APR6.09%
Term84 months
Last UpdatedMay 10, 2026
Details
As Low As; *APR = Annual Percentage Rate. All rates and programs are subject to change at any time. Rates are based on your credit history and current credit report. Loan term may be based on amount financed, age of collateral and your credit score. All loans are subject to credit approval. For lowest rate, payments must be made via automatic payment. Rate is 0.25% APR higher for non-auto pay loan payments. Quoted rate applies only to directly funded loans. Contact Point West at 503.546.5000 or 888.468.5826 for the latest complete rates and terms. See full rates details and disclosures >>
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
Business Auto Loans Used auto (2016-2022)
6.14%
72 Months
▼
APR6.14%
Term72 Months
Last UpdatedMay 10, 2026
Details
Teamsters Council #37 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
Auto Loan
6.24%
84 months
▼
APR6.24%
Term84 months
Last UpdatedMay 7, 2026
Details
As Low As; 2018-2023
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
Business Auto Loans New auto (2023 and newer)
6.24%
84 Months
▼
APR6.24%
Term84 Months
Last UpdatedMay 10, 2026
Details
NW Priority Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
Used Auto
6.24%
2015 and Older
▼
APR6.24%
Term2015 and Older
Last UpdatedMay 10, 2026
Details
Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.31%
Pre-Owned Vehicles (Model Years 2017-2019)
6.29%
66 Months
▼
APR6.29%
Term66 Months
Last UpdatedMay 7, 2026
Details
As Low As; APR (Min)
Cascade Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
New and Used Auto Loans
6.49%
96 Months
▼
APR6.49%
Term96 Months
Last UpdatedMay 6, 2026
Details
Central Willamette Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.01%
Used Auto
6.49%
84 Months
▼
APR6.49%
Term84 Months
Last UpdatedMay 10, 2026
Details
Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.31%
New Autos (Model Years 2020-2026)
6.50%
Up to 90 months
▼
APR6.50%
TermUp to 90 months
Last UpdatedMay 7, 2026
Details
As Low As; APR (Min)
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
Business Auto Loans Used auto (2020-2022)
6.59%
84 Months
▼
APR6.59%
Term84 Months
Last UpdatedMay 10, 2026
Details
First Federal S&L of McMinnville
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Auto Loan
6.84%
36 Months
▼
APR6.84%
Term36 Months
Last UpdatedMay 5, 2026
Details
Oregon State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
Used auto (2011 - 2024)
6.93%
73-84 months
▼
APR6.93%
Term73-84 months
Last UpdatedMay 12, 2026
Details
As Low As
First Federal S&L of McMinnville
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Auto Loan
6.99%
48 Months
▼
APR6.99%
Term48 Months
Last UpdatedMay 5, 2026
Details
Teamsters Council #37 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
Auto Loan
6.99%
36 months
▼
APR6.99%
Term36 months
Last UpdatedMay 7, 2026
Details
As Low As; 2017 & Older
Point West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
Used Vehicle Loan (2018 - 2022)
6.99%
1-60 months
▼
APR6.99%
Term1-60 months
Last UpdatedMay 10, 2026
Details
As Low As; For lowest rate, payments must be made via automatic payment. Rate is 0.25% APR higher for non-auto pay loan payments.
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
Used Vehicle
6.99%
60 Months
▼
APR6.99%
Term60 Months
Last UpdatedMay 12, 2026
Details
As Low As
Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.31%
Pre-Owned Vehicles (Model Years 2017-2019)
7.19%
90 Months
▼
APR7.19%
Term90 Months
Last UpdatedMay 7, 2026
Details
As Low As; APR (Min)
First Federal S&L of McMinnville
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Auto Loan
7.24%
60 Months
▼
APR7.24%
Term60 Months
Last UpdatedMay 5, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
Business Auto Loans New auto (2023 and newer)
7.24%
96 Months
▼
APR7.24%
Term96 Months
Last UpdatedMay 10, 2026
Details
Oregon State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
New auto (2025 - 2027)
7.43%
85-96 months
▼
APR7.43%
Term85-96 months
Last UpdatedMay 12, 2026
Details
As Low As
First Federal S&L of McMinnville
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Auto Loan
7.64%
72 Months
▼
APR7.64%
Term72 Months
Last UpdatedMay 5, 2026
Details
Oregon State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
Used auto (2011 - 2024)
7.68%
85-96 months
▼
APR7.68%
Term85-96 months
Last UpdatedMay 12, 2026
Details
As Low As
Central Willamette Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.01%
New Auto
7.89%
96 Months
▼
APR7.89%
Term96 Months
Last UpdatedMay 10, 2026
Details
IBEW SJ Cascade Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.49%
USED VEHICLE TEN YEARS OR OLDER
7.99%
60 Months
▼
APR7.99%
Term60 Months
Last UpdatedMay 7, 2026
Details
Amount Financed: 80% of Retail Book Value
Central Willamette Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.01%
Used Auto
8.14%
96 Months
▼
APR8.14%
Term96 Months
Last UpdatedMay 10, 2026
Details
Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.31%
Pre-Owned Vehicles (Model Years 2017-2019)
8.89%
90 Months
▼
APR8.89%
Term90 Months
Last UpdatedMay 7, 2026
Details
APR (Max)
Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.31%
Pre-Owned Vehicles (Model Years 2017-2019)
10.00%
Up to 42 Months
▼
APR10.00%
TermUp to 42 Months
Last UpdatedMay 7, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
Business Auto Loans Business specialty vehicle
10.99%
Up to 60
▼
APR10.99%
TermUp to 60
Last UpdatedMay 10, 2026
Details
Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.31%
Pre-Owned Vehicles (Model Years 2017-2019)
11.20%
Up to 66 months
▼
APR11.20%
TermUp to 66 months
Last UpdatedMay 7, 2026
Details
Oregonians Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
First Time Auto Buyer Loan
11.50%
Up to 60 months
▼
APR11.50%
TermUp to 60 months
Last UpdatedMay 12, 2026
Details
Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.31%
Pre-Owned Vehicles (Model Years 2017-2019)
12.65%
Up to 42 Months
▼
APR12.65%
TermUp to 42 Months
Last UpdatedMay 7, 2026
Details
Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.31%
Pre-Owned Vehicles (Model Years 2017-2019)
13.75%
Up to 66 months
▼
APR13.75%
TermUp to 66 months
Last UpdatedMay 7, 2026
Details
Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.31%
Pre-Owned Vehicles (Model Years 2017-2019)
16.24%
66 Months
▼
APR16.24%
Term66 Months
Last UpdatedMay 7, 2026
Details
APR (Max)
Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.31%
Pre-Owned Vehicles (Model Years 2017-2019)
17.44%
42 Months
▼
APR17.44%
Term42 Months
Last UpdatedMay 7, 2026
Details
APR (Max)
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
South Coast ILWU Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New or Used Auto Loans
3.85%
72 Months
▼
APR3.85%
Term72 Months
Last UpdatedMay 6, 2026
Details
Ironworkers USA Federal Credit Union
Institution Rating:
C+4.2 ★ Texas Ratio: 24.46%
New Vehicles
4.24%
36-84 months
▼
APR4.24%
Term36-84 months
Last UpdatedMay 7, 2026
Details
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance)
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedMay 12, 2026
Details
As Low As; New
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance) New
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedMay 12, 2026
Details
As Low As
APR4.25%
Term36 Months
Last UpdatedMay 12, 2026
Details
NW Priority Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
Purchase New Auto or Refinance
4.49%
2025 and Newer
▼
APR4.49%
Term2025 and Newer
Last UpdatedMay 10, 2026
Details
Rogue Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
Newer (2023 and Newer) Auto Loans
4.49%
36 Month
▼
APR4.49%
Term36 Month
Last UpdatedMay 12, 2026
Details
As Low As
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance)
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedMay 12, 2026
Details
As Low As; Used
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance) Used
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedMay 12, 2026
Details
As Low As
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance)
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedMay 12, 2026
Details
As Low As; New
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance) New
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedMay 12, 2026
Details
As Low As
APR4.75%
Term48 Months
Last UpdatedMay 12, 2026
Details
Cascade Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
New and Used Auto Loans
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMay 6, 2026
Details
Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.31%
New Autos (Model Years 2020-2026)
4.99%
Up to 66 months
▼
APR4.99%
TermUp to 66 months
Last UpdatedMay 7, 2026
Details
As Low As; APR (Min)
Point West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
New Vehicle Loan (2023 and newer)
4.99%
24 months
▼
APR4.99%
Term24 months
Last UpdatedMay 10, 2026
Details
As Low As
Forrit Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
New/Used Autos Fixed
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As; Regular APR: 13.35%
APR4.99%
TermUp to 84 Months
Last UpdatedMay 12, 2026
Details
Rogue Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
Newer (2023 and Newer) Auto Loans
4.99%
72 Month
▼
APR4.99%
Term72 Month
Last UpdatedMay 12, 2026
Details
As Low As
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance)
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedMay 12, 2026
Details
As Low As; Used
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance) New
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedMay 12, 2026
Details
As Low As
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance) Used
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedMay 12, 2026
Details
As Low As
APR5.00%
Term72 Months
Last UpdatedMay 12, 2026
Details
Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.22%
New Autos (2025 or Newer)
5.04%
Up to 36 months
▼
APR5.04%
TermUp to 36 months
Last UpdatedMay 10, 2026
Details
Central Willamette Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.01%
New Auto
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedMay 10, 2026
Details
Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.22%
New Autos (2025 or Newer)
5.24%
37-60 months
▼
APR5.24%
Term37-60 months
Last UpdatedMay 10, 2026
Details
Point West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
New Vehicle Loan (2023 and newer)
5.24%
60 months
▼
APR5.24%
Term60 months
Last UpdatedMay 10, 2026
Details
As Low As
Forrit Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
New/Used Autos Fixed
5.24%
84 Months
▼
APR5.24%
Term84 Months
Last UpdatedMay 10, 2026
Details
As Low As; Regular APR: 13.60%
Northwest Adventist Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
New Vehicles
5.25%
24-84
▼
APR5.25%
Term24-84
Last UpdatedMay 7, 2026
Details
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance)
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMay 12, 2026
Details
As Low As; Used
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance) New
5.25%
84 Months
▼
APR5.25%
Term84 Months
Last UpdatedMay 12, 2026
Details
As Low As
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance) Used
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMay 12, 2026
Details
As Low As
APR5.25%
Term84 Months
Last UpdatedMay 12, 2026
Details
Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.22%
New Autos (2025 or Newer)
5.34%
61-66 months
▼
APR5.34%
Term61-66 months
Last UpdatedMay 10, 2026
Details
Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.22%
New Autos (2025 or Newer)
5.44%
67-75 months
▼
APR5.44%
Term67-75 months
Last UpdatedMay 10, 2026
Details
Oregon State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
New auto (2025 - 2027)
5.44%
Up to 72 months
▼
APR5.44%
TermUp to 72 months
Last UpdatedMay 12, 2026
Details
As Low As
Trailhead Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.69%
Autos (New & Used)
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMay 6, 2026
Details
As Low As; Regular APR: 5.49% - 18.00%
Cascade Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
New and Used Auto Loans
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMay 6, 2026
Details
IBEW SJ Cascade Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.49%
NEW VEHICLE
5.49%
96 Months
▼
APR5.49%
Term96 Months
Last UpdatedMay 7, 2026
Details
Up to 100% Financing
Central Willamette Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.01%
New Auto
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMay 10, 2026
Details
Point West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
New Vehicle Loan (2023 and newer)
5.49%
72 months
▼
APR5.49%
Term72 months
Last UpdatedMay 10, 2026
Details
As Low As
Rogue Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
Newer (2023 and Newer) Auto Loans
5.49%
84 Month
▼
APR5.49%
Term84 Month
Last UpdatedMay 12, 2026
Details
As Low As
Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.31%
New Autos (Model Years 2020-2026)
5.50%
Up to 42 Months
▼
APR5.50%
TermUp to 42 Months
Last UpdatedMay 7, 2026
Details
As Low As; APR (Min)
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance)
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedMay 12, 2026
Details
As Low As; Used
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance) Used
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedMay 12, 2026
Details
As Low As
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
New Auto
5.54%
Up to 60 months
▼
APR5.54%
TermUp to 60 months
Last UpdatedMay 6, 2026
Details
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
New Auto
5.64%
61 - 72 months
▼
APR5.64%
Term61 - 72 months
Last UpdatedMay 6, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
Business Auto Loans New auto (2023 and newer)
5.74%
36-60
▼
APR5.74%
Term36-60
Last UpdatedMay 10, 2026
Details
Point West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
New Vehicle Loan (2023 and newer)
5.74%
84 months
▼
APR5.74%
Term84 months
Last UpdatedMay 10, 2026
Details
As Low As
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
New Auto
5.84%
73 - 84 months
▼
APR5.84%
Term73 - 84 months
Last UpdatedMay 6, 2026
Details
Cascade Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
New and Used Auto Loans
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMay 6, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
Business Auto Loans New auto (2023 and newer)
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMay 10, 2026
Details
Rogue Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
Newer (2023 and Newer) Auto Loans
5.99%
96 Month
▼
APR5.99%
Term96 Month
Last UpdatedMay 12, 2026
Details
As Low As
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
Business Auto Loans New auto (2023 and newer)
6.24%
84 Months
▼
APR6.24%
Term84 Months
Last UpdatedMay 10, 2026
Details
Cascade Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
New and Used Auto Loans
6.49%
96 Months
▼
APR6.49%
Term96 Months
Last UpdatedMay 6, 2026
Details
Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.31%
New Autos (Model Years 2020-2026)
6.50%
Up to 90 months
▼
APR6.50%
TermUp to 90 months
Last UpdatedMay 7, 2026
Details
As Low As; APR (Min)
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
Business Auto Loans New auto (2023 and newer)
7.24%
96 Months
▼
APR7.24%
Term96 Months
Last UpdatedMay 10, 2026
Details
Oregon State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
New auto (2025 - 2027)
7.43%
85-96 months
▼
APR7.43%
Term85-96 months
Last UpdatedMay 12, 2026
Details
As Low As
Central Willamette Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.01%
New Auto
7.89%
96 Months
▼
APR7.89%
Term96 Months
Last UpdatedMay 10, 2026
Details
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
South Coast ILWU Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New or Used Auto Loans
3.85%
72 Months
▼
APR3.85%
Term72 Months
Last UpdatedMay 6, 2026
Details
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance)
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedMay 12, 2026
Details
As Low As; New
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance) New
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedMay 12, 2026
Details
As Low As
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance)
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedMay 12, 2026
Details
As Low As; Used
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance) Used
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedMay 12, 2026
Details
As Low As
APR4.50%
Term36 Months
Last UpdatedMay 12, 2026
Details
NW Priority Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
Used Auto
4.74%
2016 - 2024
▼
APR4.74%
Term2016 - 2024
Last UpdatedMay 10, 2026
Details
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance)
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedMay 12, 2026
Details
As Low As; New
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance) New
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedMay 12, 2026
Details
As Low As
Cascade Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
New and Used Auto Loans
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMay 6, 2026
Details
Forrit Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
New/Used Autos Fixed
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As; Regular APR: 13.35%
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance)
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedMay 12, 2026
Details
As Low As; Used
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance) New
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedMay 12, 2026
Details
As Low As
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance) Used
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedMay 12, 2026
Details
As Low As
APR5.00%
Term48 Months
Last UpdatedMay 12, 2026
Details
Ironworkers USA Federal Credit Union
Institution Rating:
C+4.2 ★ Texas Ratio: 24.46%
Used Vehicles
5.24%
36-84 months
▼
APR5.24%
Term36-84 months
Last UpdatedMay 7, 2026
Details
Forrit Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
New/Used Autos Fixed
5.24%
84 Months
▼
APR5.24%
Term84 Months
Last UpdatedMay 10, 2026
Details
As Low As; Regular APR: 13.60%
APR5.24%
TermUp to 84 Months
Last UpdatedMay 12, 2026
Details
Northwest Adventist Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
Used Vehicle
5.25%
24-84
▼
APR5.25%
Term24-84
Last UpdatedMay 7, 2026
Details
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance)
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMay 12, 2026
Details
As Low As; Used
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance) New
5.25%
84 Months
▼
APR5.25%
Term84 Months
Last UpdatedMay 12, 2026
Details
As Low As
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance) Used
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMay 12, 2026
Details
As Low As
APR5.25%
Term72 Months
Last UpdatedMay 12, 2026
Details
Point West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
Used Vehicle Loan (2018 - 2022)
5.34%
24 months
▼
APR5.34%
Term24 months
Last UpdatedMay 10, 2026
Details
As Low As; *APR = Annual Percentage Rate. All rates and programs are subject to change at any time. Rates are based on your credit history and current credit report. Loan term may be based on amount financed, age of collateral and your credit score. All loans are subject to credit approval. For lowest rate, payments must be made via automatic payment. Rate is 0.25% APR higher for non-auto pay loan payments. Quoted rate applies only to directly funded loans. Contact Point West at 503.546.5000 or 888.468.5826 for the latest complete rates and terms. See full rates details and disclosures >>
Trailhead Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.69%
Autos (New & Used)
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMay 6, 2026
Details
As Low As; Regular APR: 5.49% - 18.00%
Cascade Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
New and Used Auto Loans
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMay 6, 2026
Details
IBEW SJ Cascade Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.49%
USED VEHICLE
5.49%
84 Months**
▼
APR5.49%
Term84 Months**
Last UpdatedMay 7, 2026
Details
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance)
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedMay 12, 2026
Details
As Low As; Used
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance) Used
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedMay 12, 2026
Details
As Low As
APR5.50%
Term84 Months
Last UpdatedMay 12, 2026
Details
Point West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
Used Vehicle Loan (2018 - 2022)
5.59%
60 months
▼
APR5.59%
Term60 months
Last UpdatedMay 10, 2026
Details
As Low As; *APR = Annual Percentage Rate. All rates and programs are subject to change at any time. Rates are based on your credit history and current credit report. Loan term may be based on amount financed, age of collateral and your credit score. All loans are subject to credit approval. For lowest rate, payments must be made via automatic payment. Rate is 0.25% APR higher for non-auto pay loan payments. Quoted rate applies only to directly funded loans. Contact Point West at 503.546.5000 or 888.468.5826 for the latest complete rates and terms. See full rates details and disclosures >>
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
Used Auto
5.69%
Up to 60 months
▼
APR5.69%
TermUp to 60 months
Last UpdatedMay 6, 2026
Details
Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.31%
Pre-Owned Vehicles (Model Years 2017-2019)
5.69%
42 Months
▼
APR5.69%
Term42 Months
Last UpdatedMay 7, 2026
Details
As Low As; APR (Min)
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
Used Auto
5.79%
61 - 72 months
▼
APR5.79%
Term61 - 72 months
Last UpdatedMay 6, 2026
Details
Point West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
Used Vehicle Loan (2018 - 2022)
5.84%
72 months
▼
APR5.84%
Term72 months
Last UpdatedMay 10, 2026
Details
As Low As; *APR = Annual Percentage Rate. All rates and programs are subject to change at any time. Rates are based on your credit history and current credit report. Loan term may be based on amount financed, age of collateral and your credit score. All loans are subject to credit approval. For lowest rate, payments must be made via automatic payment. Rate is 0.25% APR higher for non-auto pay loan payments. Quoted rate applies only to directly funded loans. Contact Point West at 503.546.5000 or 888.468.5826 for the latest complete rates and terms. See full rates details and disclosures >>
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
Business Auto Loans Used auto (2016-2022)
5.89%
36-60
▼
APR5.89%
Term36-60
Last UpdatedMay 10, 2026
Details
Oregon State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
Used auto (2011 - 2024)
5.94%
Up to 72 months
▼
APR5.94%
TermUp to 72 months
Last UpdatedMay 12, 2026
Details
As Low As
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
Used Auto
5.99%
73 - 84 months
▼
APR5.99%
Term73 - 84 months
Last UpdatedMay 6, 2026
Details
Cascade Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
New and Used Auto Loans
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMay 6, 2026
Details
Central Willamette Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.01%
Used Auto
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedMay 10, 2026
Details
Point West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
Used Vehicle Loan (2018 - 2022)
6.09%
84 months
▼
APR6.09%
Term84 months
Last UpdatedMay 10, 2026
Details
As Low As; *APR = Annual Percentage Rate. All rates and programs are subject to change at any time. Rates are based on your credit history and current credit report. Loan term may be based on amount financed, age of collateral and your credit score. All loans are subject to credit approval. For lowest rate, payments must be made via automatic payment. Rate is 0.25% APR higher for non-auto pay loan payments. Quoted rate applies only to directly funded loans. Contact Point West at 503.546.5000 or 888.468.5826 for the latest complete rates and terms. See full rates details and disclosures >>
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
Business Auto Loans Used auto (2016-2022)
6.14%
72 Months
▼
APR6.14%
Term72 Months
Last UpdatedMay 10, 2026
Details
NW Priority Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
Used Auto
6.24%
2015 and Older
▼
APR6.24%
Term2015 and Older
Last UpdatedMay 10, 2026
Details
Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.31%
Pre-Owned Vehicles (Model Years 2017-2019)
6.29%
66 Months
▼
APR6.29%
Term66 Months
Last UpdatedMay 7, 2026
Details
As Low As; APR (Min)
Cascade Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
New and Used Auto Loans
6.49%
96 Months
▼
APR6.49%
Term96 Months
Last UpdatedMay 6, 2026
Details
Central Willamette Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.01%
Used Auto
6.49%
84 Months
▼
APR6.49%
Term84 Months
Last UpdatedMay 10, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
Business Auto Loans Used auto (2020-2022)
6.59%
84 Months
▼
APR6.59%
Term84 Months
Last UpdatedMay 10, 2026
Details
Oregon State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
Used auto (2011 - 2024)
6.93%
73-84 months
▼
APR6.93%
Term73-84 months
Last UpdatedMay 12, 2026
Details
As Low As
Point West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
Used Vehicle Loan (2018 - 2022)
6.99%
1-60 months
▼
APR6.99%
Term1-60 months
Last UpdatedMay 10, 2026
Details
As Low As; For lowest rate, payments must be made via automatic payment. Rate is 0.25% APR higher for non-auto pay loan payments.
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
Used Vehicle
6.99%
60 Months
▼
APR6.99%
Term60 Months
Last UpdatedMay 12, 2026
Details
As Low As
Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.31%
Pre-Owned Vehicles (Model Years 2017-2019)
7.19%
90 Months
▼
APR7.19%
Term90 Months
Last UpdatedMay 7, 2026
Details
As Low As; APR (Min)
Oregon State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
Used auto (2011 - 2024)
7.68%
85-96 months
▼
APR7.68%
Term85-96 months
Last UpdatedMay 12, 2026
Details
As Low As
IBEW SJ Cascade Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.49%
USED VEHICLE TEN YEARS OR OLDER
7.99%
60 Months
▼
APR7.99%
Term60 Months
Last UpdatedMay 7, 2026
Details
Amount Financed: 80% of Retail Book Value
Central Willamette Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.01%
Used Auto
8.14%
96 Months
▼
APR8.14%
Term96 Months
Last UpdatedMay 10, 2026
Details
Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.31%
Pre-Owned Vehicles (Model Years 2017-2019)
8.89%
90 Months
▼
APR8.89%
Term90 Months
Last UpdatedMay 7, 2026
Details
APR (Max)
Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.31%
Pre-Owned Vehicles (Model Years 2017-2019)
10.00%
Up to 42 Months
▼
APR10.00%
TermUp to 42 Months
Last UpdatedMay 7, 2026
Details
Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.31%
Pre-Owned Vehicles (Model Years 2017-2019)
11.20%
Up to 66 months
▼
APR11.20%
TermUp to 66 months
Last UpdatedMay 7, 2026
Details
Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.31%
Pre-Owned Vehicles (Model Years 2017-2019)
12.65%
Up to 42 Months
▼
APR12.65%
TermUp to 42 Months
Last UpdatedMay 7, 2026
Details
Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.31%
Pre-Owned Vehicles (Model Years 2017-2019)
13.75%
Up to 66 months
▼
APR13.75%
TermUp to 66 months
Last UpdatedMay 7, 2026
Details
Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.31%
Pre-Owned Vehicles (Model Years 2017-2019)
16.24%
66 Months
▼
APR16.24%
Term66 Months
Last UpdatedMay 7, 2026
Details
APR (Max)
Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.31%
Pre-Owned Vehicles (Model Years 2017-2019)
17.44%
42 Months
▼
APR17.44%
Term42 Months
Last UpdatedMay 7, 2026
Details
APR (Max)
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MonitorBankRates
Fossil, OR Auto Loan Rate Trends
Compare local Fossil, OR 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.
New Auto Loan — OR Avg
6.037%
▲ 0.277 vs 7 days ago
Oregon new auto rates rose 0.277 points over the past 7 days to 6.037% APR.
Used Auto Loan — OR Avg
7.278%
▼ 0.785 vs 7 days ago
Oregon used auto rates fell 0.785 points over the past 7 days to 7.278% APR.
As of May 14, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions about Auto Loans in Fossil, Oregon
How does my credit score affect my car loan rate in Oregon?
Your credit score is the biggest factor determining your auto loan APR. Borrowers in Fossil, Oregon 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 Oregon *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 Fossil, Oregon 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 Fossil, Oregon?
Based on our current data, some of the lowest auto loan rates available in Fossil, Oregon include:
- South Coast ILWU Federal Credit Union: 3.85% (New or Used Auto Loans)
- Ironworkers USA Federal Credit Union: 4.24% (New Vehicles)
- EWEB EMPLOYEES: 4.25% (New & Used Vehicles (Purchase or Refinance))
- NW Priority Credit Union: 4.49% (Purchase New Auto or Refinance)
- Rogue Credit Union: 4.49% (Newer (2023 and Newer) Auto Loans)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Fossil, Oregon. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 12, 2026
Rate Assistant
MonitorBankRates.com · Live Data
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