Auto Loan Rates in Granite Falls, Washington (WA) for May 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
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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 Granite Falls, Washington. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Granite Falls, Washington include LONGSHOREMENS LOCAL 4LONGSHOREMENS LOCAL 4A+5.0 ★Texas Ratio: 0.85% offering New vehicle at 1.99%, Waterfront Federal Credit UnionWaterfront Federal Credit UnionA+5.0 ★Texas Ratio: 5.62% offering New & Used Autos (2021 & Newer) at 3.64%, Delta Schools Federal Credit UnionDelta Schools Federal Credit UnionA+5.0 ★Texas Ratio: 0.34% offering New Vehicles Model Year 2025-2026 Loan at 3.99%, IBEW 76 Federal Credit UnionIBEW 76 Federal Credit UnionA+5.0 ★Texas Ratio: 3.57% offering New Auto at 4.00%, Ironworkers USA Federal Credit UnionIronworkers USA Federal Credit UnionC+4.2 ★Texas Ratio: 23.15% offering New Vehicles at 4.24%. Auto loan rates as of May 22, 2026 according to verified data from MonitorBankRates.
Granite Falls borrowers have access to 34 lenders serving the Washington area, with auto loan rates as low as 1.99% APR from LONGSHOREMENS LOCAL 4. 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 Granite Falls, Washington. Auto Loan Rates Last Updated and Verified: May 22, 2026
Compare Auto Loan Rates Today in Granite Falls, Washington & Surrounding Area
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
LONGSHOREMENS LOCAL 4
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
New vehicle
1.99%
Up to 84 months
▼
APR1.99%
TermUp to 84 months
Last UpdatedMay 20, 2026
Details
As Low As
Waterfront Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.62%
New & Used Autos (2021 & Newer)
3.64%
Up to 84 Months
▼
APR3.64%
TermUp to 84 Months
Last UpdatedMay 17, 2026
Details
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
New Vehicles Model Year 2025-2026 Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 22, 2026
Details
IBEW 76 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
New Auto
4.00%
24 to 84 months
▼
APR4.00%
Term24 to 84 months
Last UpdatedMay 22, 2026
Details
Ironworkers USA Federal Credit Union
Institution Rating:
C+4.2 ★ Texas Ratio: 23.15%
New Vehicles
4.24%
36-84 months
▼
APR4.24%
Term36-84 months
Last UpdatedMay 7, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New & Used Autos
4.24%
24 Months
▼
APR4.24%
Term24 Months
Last UpdatedMay 18, 2026
Details
As Low As
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New Vehicles (2023 - 2026)
4.25%
0 - 36
▼
APR4.25%
Term0 - 36
Last UpdatedMay 17, 2026
Details
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
Autos
4.25%
96 Months
▼
APR4.25%
Term96 Months
Last UpdatedMay 20, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New & Used Autos
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMay 18, 2026
Details
As Low As
NW Priority Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
Purchase New Auto or Refinance
4.49%
2025 and Newer
▼
APR4.49%
Term2025 and Newer
Last UpdatedMay 18, 2026
Details
Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
New Cars Loan
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedMay 22, 2026
Details
0% down OAC
Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
Used Cars Loan
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedMay 22, 2026
Details
up to 10 years old; 0% down OAC
Waterfront Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.62%
Used Autos (2020 & Older)
4.74%
Up to 72 Months
▼
APR4.74%
TermUp to 72 Months
Last UpdatedMay 17, 2026
Details
NW Priority Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
Used Auto
4.74%
2016 - 2024
▼
APR4.74%
Term2016 - 2024
Last UpdatedMay 18, 2026
Details
Numerica Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
Auto loans1
4.74%
Up to 84 months
▼
APR4.74%
TermUp to 84 months
Last UpdatedMay 20, 2026
Details
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
Auto Loan
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedMay 20, 2026
Details
As Low As
Sno Falls Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.26%
New Auto
4.74%
84 Months
▼
APR4.74%
Term84 Months
Last UpdatedMay 20, 2026
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Auto Loan
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedMay 20, 2026
Details
As Low As
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
New Auto (2021 and Newer)
4.74%
4 years
▼
APR4.74%
Term4 years
Last UpdatedMay 22, 2026
Details
As Low As
Strait View Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
New & Used Vehicles
4.75%
Up to 96 months
▼
APR4.75%
TermUp to 96 months
Last UpdatedMay 20, 2026
Details
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
New & Used Autos
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMay 20, 2026
Details
As Low As; New Auto Purchase or Refinance
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
New Auto Purchase or Refinance
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMay 20, 2026
Details
As Low As; Terms: 60 months or less
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Used Vehicles (2017 - 2022)
4.85%
0 - 36
▼
APR4.85%
Term0 - 36
Last UpdatedMay 17, 2026
Details
As Low As
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Auto Loan
4.89%
72 Months
▼
APR4.89%
Term72 Months
Last UpdatedMay 20, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New & Used Autos
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMay 18, 2026
Details
As Low As
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
New & Used Autos
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 20, 2026
Details
As Low As; Used Auto Purchase or Refinance
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
Used Auto Purchase or Refinance
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 20, 2026
Details
As Low As; Terms: 60 months or less
Cheney Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
New Auto/Truck Loan
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMay 22, 2026
Details
Fixed rate, terms up to 72 months with no more than 12,000 miles.
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
New Auto (2021 and Newer)
4.99%
5 years
▼
APR4.99%
Term5 years
Last UpdatedMay 22, 2026
Details
As Low As
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
New Vehicles Model Year 2025-2026 Loan
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMay 22, 2026
Details
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New Vehicles (2023 - 2026)
5.00%
37 - 48
▼
APR5.00%
Term37 - 48
Last UpdatedMay 17, 2026
Details
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
New & Used Autos
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedMay 20, 2026
Details
As Low As; New Auto Purchase or Refinance
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
New Auto Purchase or Refinance
5.00%
61 Months
▼
APR5.00%
Term61 Months
Last UpdatedMay 20, 2026
Details
As Low As; Terms: 61 - 72 months
IBEW 76 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
Used Auto
5.00%
24 to 84 months
▼
APR5.00%
Term24 to 84 months
Last UpdatedMay 22, 2026
Details
Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
New Autos (2025 or Newer)
5.04%
Up to 36 months
▼
APR5.04%
TermUp to 36 months
Last UpdatedMay 18, 2026
Details
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Auto Loan
5.04%
36 Months
▼
APR5.04%
Term36 Months
Last UpdatedMay 21, 2026
Details
As Low As
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Auto Loans
5.04%
36 Months
▼
APR5.04%
Term36 Months
Last UpdatedMay 21, 2026
Details
As Low As
Idaho Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.86%
Auto Loan
5.19%
48 Months
▼
APR5.19%
Term48 Months
Last UpdatedMay 18, 2026
Details
As Low As; *The annual percentage rates (APR) listed are our best rates. Your rate and/or term may vary depending on vehicle age, credit history, and underwriting criteria. Rates updated daily.
Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
New Vehicle Loans
5.21%
36 Months
▼
APR5.21%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As
North Coast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
New / Used Vehicles
5.22%
1 to 84
▼
APR5.22%
Term1 to 84
Last UpdatedMay 20, 2026
Details
Ironworkers USA Federal Credit Union
Institution Rating:
C+4.2 ★ Texas Ratio: 23.15%
Used Vehicles
5.24%
36-84 months
▼
APR5.24%
Term36-84 months
Last UpdatedMay 7, 2026
Details
Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
New Autos (2025 or Newer)
5.24%
37-60 months
▼
APR5.24%
Term37-60 months
Last UpdatedMay 18, 2026
Details
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
New Vehicles
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedMay 20, 2026
Details
Model Year 2025 or newer
Connection Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.51%
New Auto
5.24%
Up to 60
▼
APR5.24%
TermUp to 60
Last UpdatedMay 20, 2026
Details
0-10 model years old
Sno Falls Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.26%
Used Auto
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMay 20, 2026
Details
Our Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
New or Used Auto
5.24%
up to 84 Months
▼
APR5.24%
Termup to 84 Months
Last UpdatedMay 20, 2026
Details
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
New & Used Autos
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMay 20, 2026
Details
As Low As; Used Auto Purchase or Refinance
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
Used Auto Purchase or Refinance
5.24%
61 Months
▼
APR5.24%
Term61 Months
Last UpdatedMay 20, 2026
Details
As Low As; Terms: 61 - 72 months
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
New Auto (2021 and Newer)
5.24%
6 years
▼
APR5.24%
Term6 years
Last UpdatedMay 22, 2026
Details
As Low As
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
New & Used Autos
5.25%
84 Months
▼
APR5.25%
Term84 Months
Last UpdatedMay 20, 2026
Details
As Low As; New Auto Purchase or Refinance
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
New Auto Purchase or Refinance
5.25%
73 Months
▼
APR5.25%
Term73 Months
Last UpdatedMay 20, 2026
Details
As Low As; Terms: 73 - 84 months
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
NEW AUTO - Max
5.30%
up to 60 months
▼
APR5.30%
Termup to 60 months
Last UpdatedMay 18, 2026
Details
$100,000; As Low As
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Auto Loan
5.30%
48 Months
▼
APR5.30%
Term48 Months
Last UpdatedMay 21, 2026
Details
As Low As
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Auto Loans
5.30%
48 Months
▼
APR5.30%
Term48 Months
Last UpdatedMay 21, 2026
Details
As Low As
Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
New Autos (2025 or Newer)
5.34%
61-66 months
▼
APR5.34%
Term61-66 months
Last UpdatedMay 18, 2026
Details
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
New Vehicles Model Year 2025-2026 Loan
5.39%
84 Months
▼
APR5.39%
Term84 Months
Last UpdatedMay 22, 2026
Details
min loan $25,000
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
USED AUTO - Max
5.40%
up to 60 months
▼
APR5.40%
Termup to 60 months
Last UpdatedMay 18, 2026
Details
$100,000; As Low As
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
NEW AUTO - Max
5.43%
61 - 72 months
▼
APR5.43%
Term61 - 72 months
Last UpdatedMay 18, 2026
Details
$100,000; As Low As
Idaho Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.86%
Auto Loan
5.44%
60 Months
▼
APR5.44%
Term60 Months
Last UpdatedMay 18, 2026
Details
As Low As; *The annual percentage rates (APR) listed are our best rates. Your rate and/or term may vary depending on vehicle age, credit history, and underwriting criteria. Rates updated daily.
Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
New Autos (2025 or Newer)
5.44%
67-75 months
▼
APR5.44%
Term67-75 months
Last UpdatedMay 18, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New & Used Autos
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMay 18, 2026
Details
As Low As
Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
New Autos (2025 or Newer)
5.49%
76-84 months
▼
APR5.49%
Term76-84 months
Last UpdatedMay 18, 2026
Details
Salal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.66%
New vehicles have never been titled or licensed and used vehicles up to 1 year old.
5.49%
Up to 84 months
▼
APR5.49%
TermUp to 84 months
Last UpdatedMay 20, 2026
Details
Rates increase without automatic payment; Rates decrease for hybrid and EV loans.
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
New Vehicles
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMay 20, 2026
Details
Model Year 2025 or newer
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
Used Vehicles
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedMay 20, 2026
Details
Model Year 2024 or older
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
New & Used Autos
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMay 20, 2026
Details
As Low As; Used Auto Purchase or Refinance
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
Used Auto Purchase or Refinance
5.49%
73 Months
▼
APR5.49%
Term73 Months
Last UpdatedMay 20, 2026
Details
As Low As; Terms: 73 - 84 months
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
New Auto (2021 and Newer)
5.49%
7 years
▼
APR5.49%
Term7 years
Last UpdatedMay 22, 2026
Details
As Low As
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
Used Auto (Models 2017 - 2020)
5.49%
4 years
▼
APR5.49%
Term4 years
Last UpdatedMay 22, 2026
Details
As Low As
Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
New Cars Loan
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMay 22, 2026
Details
0% down OAC
Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
Used Cars Loan
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMay 22, 2026
Details
up to 10 years old; 0% down OAC
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New Vehicles (2023 - 2026)
5.50%
49 - 60
▼
APR5.50%
Term49 - 60
Last UpdatedMay 17, 2026
Details
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
NEW AUTO - Max
5.53%
73 - 84 months
▼
APR5.53%
Term73 - 84 months
Last UpdatedMay 18, 2026
Details
$100,000; As Low As
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
USED AUTO - Max
5.54%
61 - 72 months
▼
APR5.54%
Term61 - 72 months
Last UpdatedMay 18, 2026
Details
$100,000; As Low As
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
New Auto: 2024 and Newer
5.54%
36 Months
▼
APR5.54%
Term36 Months
Last UpdatedMay 21, 2026
Details
As Low As
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.62%
New Auto
5.54%
Up to 60 months
▼
APR5.54%
TermUp to 60 months
Last UpdatedMay 22, 2026
Details
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Used Vehicles (2017 - 2022)
5.60%
37 - 48
▼
APR5.60%
Term37 - 48
Last UpdatedMay 17, 2026
Details
As Low As
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Auto Loan
5.62%
60 Months
▼
APR5.62%
Term60 Months
Last UpdatedMay 21, 2026
Details
As Low As
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Auto Loans
5.62%
60 Months
▼
APR5.62%
Term60 Months
Last UpdatedMay 21, 2026
Details
As Low As
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.62%
New Auto
5.64%
61 - 72 months
▼
APR5.64%
Term61 - 72 months
Last UpdatedMay 22, 2026
Details
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
USED AUTO - Max
5.65%
73 - 84 months
▼
APR5.65%
Term73 - 84 months
Last UpdatedMay 18, 2026
Details
$100,000; As Low As
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.62%
Used Auto
5.69%
Up to 60 months
▼
APR5.69%
TermUp to 60 months
Last UpdatedMay 22, 2026
Details
Great Northwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
New or Used Auto Loans
5.69%
Up to 84 Months
▼
APR5.69%
TermUp to 84 Months
Last UpdatedMay 22, 2026
Details
Interest rate will decrease by .25% if enrolled with credit union automatic payments. Interest Rate Increases: Your rate will increase by 1.0% if the vehicle is more than 10 model years old. Your rate will increase by 1.0% if the vehicle has mileage of 125,000 or more.
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
2023 & Newer Auto Loans (Cars, trucks & vans)
5.74%
36 - 60
▼
APR5.74%
Term36 - 60
Last UpdatedMay 18, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
New auto
5.74%
36-60 months
▼
APR5.74%
Term36-60 months
Last UpdatedMay 18, 2026
Details
2023 and newer
Idaho Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.86%
Auto Loan
5.74%
72 Months
▼
APR5.74%
Term72 Months
Last UpdatedMay 18, 2026
Details
As Low As; *The annual percentage rates (APR) listed are our best rates. Your rate and/or term may vary depending on vehicle age, credit history, and underwriting criteria. Rates updated daily.
Salal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.66%
Used vehicles that have been titled or licensed and are 2 years old and older.
5.74%
Up to 84 months
▼
APR5.74%
TermUp to 84 months
Last UpdatedMay 20, 2026
Details
Rates increase without automatic payment; Rates decrease for hybrid and EV loans.
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
Used Vehicles
5.74%
72 Months
▼
APR5.74%
Term72 Months
Last UpdatedMay 20, 2026
Details
Model Year 2024 or older
Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
New Auto Loan
5.74%
36 Months
▼
APR5.74%
Term36 Months
Last UpdatedMay 20, 2026
Details
As Low As
Cheney Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
Used Auto/Truck Loan
5.74%
72 Months
▼
APR5.74%
Term72 Months
Last UpdatedMay 22, 2026
Details
Fixed rate, terms up to 72 months on vehicles up to 10 years old.
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
Used Auto (Models 2017 - 2020)
5.74%
5 years
▼
APR5.74%
Term5 years
Last UpdatedMay 22, 2026
Details
As Low As
Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.98%
New & Used Auto Loans
5.75%
24 - 48
▼
APR5.75%
Term24 - 48
Last UpdatedMay 20, 2026
Details
As Low As
APR5.75%
Term61-72
Last UpdatedMay 20, 2026
Details
Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Used Vehicle Loans
5.77%
48 Months
▼
APR5.77%
Term48 Months
Last UpdatedMay 22, 2026
Details
As Low As
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.62%
Used Auto
5.79%
61 - 72 months
▼
APR5.79%
Term61 - 72 months
Last UpdatedMay 22, 2026
Details
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
New Auto: 2024 and Newer
5.80%
48 Months
▼
APR5.80%
Term48 Months
Last UpdatedMay 21, 2026
Details
As Low As
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.62%
New Auto
5.84%
73 - 84 months
▼
APR5.84%
Term73 - 84 months
Last UpdatedMay 22, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
2016-2019 Older Used Auto Loans and Other Titled Vehicles
5.89%
36-60
▼
APR5.89%
Term36-60
Last UpdatedMay 18, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
2020-2022 Used Auto Loans (Cars, trucks & vans)
5.89%
36 - 60
▼
APR5.89%
Term36 - 60
Last UpdatedMay 18, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
Used auto
5.89%
36-60 months
▼
APR5.89%
Term36-60 months
Last UpdatedMay 18, 2026
Details
2016-2022
Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
New Vehicle Loans
5.93%
60 Months
▼
APR5.93%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
2023 & Newer Auto Loans (Cars, trucks & vans)
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMay 18, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
New auto
5.99%
72 months
▼
APR5.99%
Term72 months
Last UpdatedMay 18, 2026
Details
2023 and newer
Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
New Auto Loan
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMay 20, 2026
Details
As Low As
Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
Used Auto Loan
5.99%
36 Months
▼
APR5.99%
Term36 Months
Last UpdatedMay 20, 2026
Details
As Low As
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.62%
Used Auto
5.99%
73 - 84 months
▼
APR5.99%
Term73 - 84 months
Last UpdatedMay 22, 2026
Details
Cheney Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
New Auto/Truck Loan
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMay 22, 2026
Details
Fixed rate, terms up to 84 months with no more than 12,000 miles.
Cheney Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
Used Auto/Truck Loan
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMay 22, 2026
Details
84 months available under certain conditions.
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
Used Auto (Models 2017 - 2020)
5.99%
6 years
▼
APR5.99%
Term6 years
Last UpdatedMay 22, 2026
Details
As Low As
Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Used Vehicle Loans
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMay 22, 2026
Details
As Low As
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New Vehicles (2023 - 2026)
6.00%
61 - 72
▼
APR6.00%
Term61 - 72
Last UpdatedMay 17, 2026
Details
Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.98%
New & Used Auto Loans
6.00%
60 - 72
▼
APR6.00%
Term60 - 72
Last UpdatedMay 20, 2026
Details
As Low As
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Auto Loan
6.04%
72 Months
▼
APR6.04%
Term72 Months
Last UpdatedMay 21, 2026
Details
As Low As
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Auto Loans
6.04%
72 Months
▼
APR6.04%
Term72 Months
Last UpdatedMay 21, 2026
Details
As Low As
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Used Vehicles (2017 - 2022)
6.10%
49 - 60
▼
APR6.10%
Term49 - 60
Last UpdatedMay 17, 2026
Details
As Low As
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
New Auto: 2024 and Newer
6.12%
60 Months
▼
APR6.12%
Term60 Months
Last UpdatedMay 21, 2026
Details
As Low As
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
2016-2019 Older Used Auto Loans and Other Titled Vehicles
6.14%
72 Months
▼
APR6.14%
Term72 Months
Last UpdatedMay 18, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
2020-2022 Used Auto Loans (Cars, trucks & vans)
6.14%
72 Months
▼
APR6.14%
Term72 Months
Last UpdatedMay 18, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
Used auto
6.14%
72 months
▼
APR6.14%
Term72 months
Last UpdatedMay 18, 2026
Details
2016-2022
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Auto Loan
6.18%
84 Months
▼
APR6.18%
Term84 Months
Last UpdatedMay 21, 2026
Details
As Low As
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Auto Loans
6.18%
84 Months
▼
APR6.18%
Term84 Months
Last UpdatedMay 21, 2026
Details
As Low As
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
2023 & Newer Auto Loans (Cars, trucks & vans)
6.24%
84 Months
▼
APR6.24%
Term84 Months
Last UpdatedMay 18, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
New auto
6.24%
84 months
▼
APR6.24%
Term84 months
Last UpdatedMay 18, 2026
Details
2023 and newer
NW Priority Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
Used Auto
6.24%
2015 and Older
▼
APR6.24%
Term2015 and Older
Last UpdatedMay 18, 2026
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
Used Auto Loan
6.24%
84 Months
▼
APR6.24%
Term84 Months
Last UpdatedMay 20, 2026
Details
As Low As
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
Used Auto (Models 2017 - 2020)
6.24%
7 years
▼
APR6.24%
Term7 years
Last UpdatedMay 22, 2026
Details
As Low As
APR6.25%
Term73-84
Last UpdatedMay 20, 2026
Details
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Used Auto: 2011 and Newer
6.25%
36 Months
▼
APR6.25%
Term36 Months
Last UpdatedMay 21, 2026
Details
As Low As
Cascade Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
Auto Loans
6.25%
up to 36 months
▼
APR6.25%
Termup to 36 months
Last UpdatedMay 22, 2026
Details
As Low As; Model years 2016 - 2026
Connection Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.51%
Used Auto
6.34%
Up to 60
▼
APR6.34%
TermUp to 60
Last UpdatedMay 20, 2026
Details
11+ model years old
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
New Vehicles
6.49%
84 Months
▼
APR6.49%
Term84 Months
Last UpdatedMay 20, 2026
Details
Model Year 2025 or newer
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Used Auto: 2011 and Newer
6.49%
48 Months
▼
APR6.49%
Term48 Months
Last UpdatedMay 21, 2026
Details
As Low As
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New Vehicles (2023 - 2026)
6.50%
73 - 84
▼
APR6.50%
Term73 - 84
Last UpdatedMay 17, 2026
Details
Cascade Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
Auto Loans
6.50%
37 to 48 months
▼
APR6.50%
Term37 to 48 months
Last UpdatedMay 22, 2026
Details
As Low As; Model years 2016 - 2026
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
New Auto: 2024 and Newer
6.54%
72 Months
▼
APR6.54%
Term72 Months
Last UpdatedMay 21, 2026
Details
As Low As
Cascade Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
Auto Loans
6.55%
49 to 60 months
▼
APR6.55%
Term49 to 60 months
Last UpdatedMay 22, 2026
Details
As Low As; Model years 2016 - 2026
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
2020-2022 Used Auto Loans (Cars, trucks & vans)
6.59%
84 Months
▼
APR6.59%
Term84 Months
Last UpdatedMay 18, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
Used auto
6.59%
84 months
▼
APR6.59%
Term84 months
Last UpdatedMay 18, 2026
Details
2016-2022
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Used Vehicles (2017 - 2022)
6.60%
61 - 72
▼
APR6.60%
Term61 - 72
Last UpdatedMay 17, 2026
Details
As Low As
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
New Auto: 2024 and Newer
6.68%
84 Months
▼
APR6.68%
Term84 Months
Last UpdatedMay 21, 2026
Details
As Low As
Cascade Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
Auto Loans
6.70%
61 to 72 months
▼
APR6.70%
Term61 to 72 months
Last UpdatedMay 22, 2026
Details
As Low As; Model years 2016 - 2026
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Used Auto: 2011 and Newer
6.71%
60 Months
▼
APR6.71%
Term60 Months
Last UpdatedMay 21, 2026
Details
As Low As
Cascade Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
Auto Loans
6.95%
73 to 84 months
▼
APR6.95%
Term73 to 84 months
Last UpdatedMay 22, 2026
Details
As Low As; Model years 2016 - 2026, minimum loan amount $15,000
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Used Vehicle
6.99%
60 Months
▼
APR6.99%
Term60 Months
Last UpdatedMay 20, 2026
Details
As Low As
Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
Older Used Cars Loan
6.99%
72 Months
▼
APR6.99%
Term72 Months
Last UpdatedMay 22, 2026
Details
11-18 years old; requires 10% down
Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.98%
New & Used Auto Loans
7.00%
84 Months
▼
APR7.00%
Term84 Months
Last UpdatedMay 20, 2026
Details
As Low As
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Used Auto: 2011 and Newer
7.16%
72 Months
▼
APR7.16%
Term72 Months
Last UpdatedMay 21, 2026
Details
As Low As
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
2023 & Newer Auto Loans (Cars, trucks & vans)
7.24%
96 Months
▼
APR7.24%
Term96 Months
Last UpdatedMay 18, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
New auto
7.24%
96 months
▼
APR7.24%
Term96 months
Last UpdatedMay 18, 2026
Details
2023 and newer
Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
Used Auto Loan
7.24%
60 Months
▼
APR7.24%
Term60 Months
Last UpdatedMay 20, 2026
Details
As Low As
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Used Auto: 2011 and Newer
7.30%
84 Months
▼
APR7.30%
Term84 Months
Last UpdatedMay 21, 2026
Details
As Low As
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Used Vehicles (2017 - 2022)
7.35%
73 - 84
▼
APR7.35%
Term73 - 84
Last UpdatedMay 17, 2026
Details
As Low As
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
New Vehicles Model Year 2025-2026 Loan
7.39%
96 month
▼
APR7.39%
Term96 month
Last UpdatedMay 22, 2026
Details
min loan $45,000 A+ A Credit Tier Only
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
OLDER USED AUTO (2015 or older) - Max
7.40%
up to 60 months
▼
APR7.40%
Termup to 60 months
Last UpdatedMay 18, 2026
Details
$25,000; As Low As
Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.98%
New & Used Auto Loans
7.50%
96 Months
▼
APR7.50%
Term96 Months
Last UpdatedMay 20, 2026
Details
As Low As
OlyFed Olympia Federal S&L
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
New, Used or Classic Vehicle Loan
7.54%
Choose your term to suit your monthly budget
▼
APR7.54%
TermChoose your term to suit your monthly budget
Last UpdatedMay 20, 2026
Details
Your individual financing and the interest rate to which you qualify will be determined by vehicle age and individual credit history
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
OLDER USED AUTO (2015 or older) - Max
7.54%
61 - 72 months
▼
APR7.54%
Term61 - 72 months
Last UpdatedMay 18, 2026
Details
$25,000; As Low As
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
OLDER USED AUTO (2015 or older) - Max
7.65%
73 - 84 months
▼
APR7.65%
Term73 - 84 months
Last UpdatedMay 18, 2026
Details
$25,000; As Low As
Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.98%
New & Used Auto Loans
8.25%
108 Months
▼
APR8.25%
Term108 Months
Last UpdatedMay 20, 2026
Details
As Low As
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Classic Car
8.99%
0 - 60 months
▼
APR8.99%
Term0 - 60 months
Last UpdatedMay 17, 2026
Details
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Classic Car
13.99%
0 - 60 months
▼
APR13.99%
Term0 - 60 months
Last UpdatedMay 17, 2026
Details
North Coast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
New / Used Vehicles
17.47%
1 to 84
▼
APR17.47%
Term1 to 84
Last UpdatedMay 20, 2026
Details
Great Northwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
New or Used Auto Loans
17.99%
Up to 84 Months
▼
APR17.99%
TermUp to 84 Months
Last UpdatedMay 22, 2026
Details
Interest rate will decrease by .25% if enrolled with credit union automatic payments. Interest Rate Increases: Your rate will increase by 1.0% if the vehicle is more than 10 model years old. Your rate will increase by 1.0% if the vehicle has mileage of 125,000 or more.
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
LONGSHOREMENS LOCAL 4
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
New vehicle
1.99%
Up to 84 months
▼
APR1.99%
TermUp to 84 months
Last UpdatedMay 20, 2026
Details
As Low As
Waterfront Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.62%
New & Used Autos (2021 & Newer)
3.64%
Up to 84 Months
▼
APR3.64%
TermUp to 84 Months
Last UpdatedMay 17, 2026
Details
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
New Vehicles Model Year 2025-2026 Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 22, 2026
Details
IBEW 76 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
New Auto
4.00%
24 to 84 months
▼
APR4.00%
Term24 to 84 months
Last UpdatedMay 22, 2026
Details
Ironworkers USA Federal Credit Union
Institution Rating:
C+4.2 ★ Texas Ratio: 23.15%
New Vehicles
4.24%
36-84 months
▼
APR4.24%
Term36-84 months
Last UpdatedMay 7, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New & Used Autos
4.24%
24 Months
▼
APR4.24%
Term24 Months
Last UpdatedMay 18, 2026
Details
As Low As
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New Vehicles (2023 - 2026)
4.25%
0 - 36
▼
APR4.25%
Term0 - 36
Last UpdatedMay 17, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New & Used Autos
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMay 18, 2026
Details
As Low As
NW Priority Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
Purchase New Auto or Refinance
4.49%
2025 and Newer
▼
APR4.49%
Term2025 and Newer
Last UpdatedMay 18, 2026
Details
Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
New Cars Loan
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedMay 22, 2026
Details
0% down OAC
Sno Falls Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.26%
New Auto
4.74%
84 Months
▼
APR4.74%
Term84 Months
Last UpdatedMay 20, 2026
Details
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
New Auto (2021 and Newer)
4.74%
4 years
▼
APR4.74%
Term4 years
Last UpdatedMay 22, 2026
Details
As Low As
Strait View Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
New & Used Vehicles
4.75%
Up to 96 months
▼
APR4.75%
TermUp to 96 months
Last UpdatedMay 20, 2026
Details
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
New & Used Autos
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMay 20, 2026
Details
As Low As; New Auto Purchase or Refinance
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
New Auto Purchase or Refinance
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMay 20, 2026
Details
As Low As; Terms: 60 months or less
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New & Used Autos
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMay 18, 2026
Details
As Low As
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
New & Used Autos
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 20, 2026
Details
As Low As; Used Auto Purchase or Refinance
Cheney Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
New Auto/Truck Loan
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMay 22, 2026
Details
Fixed rate, terms up to 72 months with no more than 12,000 miles.
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
New Auto (2021 and Newer)
4.99%
5 years
▼
APR4.99%
Term5 years
Last UpdatedMay 22, 2026
Details
As Low As
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
New Vehicles Model Year 2025-2026 Loan
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMay 22, 2026
Details
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New Vehicles (2023 - 2026)
5.00%
37 - 48
▼
APR5.00%
Term37 - 48
Last UpdatedMay 17, 2026
Details
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
New & Used Autos
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedMay 20, 2026
Details
As Low As; New Auto Purchase or Refinance
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
New Auto Purchase or Refinance
5.00%
61 Months
▼
APR5.00%
Term61 Months
Last UpdatedMay 20, 2026
Details
As Low As; Terms: 61 - 72 months
Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
New Autos (2025 or Newer)
5.04%
Up to 36 months
▼
APR5.04%
TermUp to 36 months
Last UpdatedMay 18, 2026
Details
Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
New Vehicle Loans
5.21%
36 Months
▼
APR5.21%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As
North Coast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
New / Used Vehicles
5.22%
1 to 84
▼
APR5.22%
Term1 to 84
Last UpdatedMay 20, 2026
Details
Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
New Autos (2025 or Newer)
5.24%
37-60 months
▼
APR5.24%
Term37-60 months
Last UpdatedMay 18, 2026
Details
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
New Vehicles
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedMay 20, 2026
Details
Model Year 2025 or newer
Connection Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.51%
New Auto
5.24%
Up to 60
▼
APR5.24%
TermUp to 60
Last UpdatedMay 20, 2026
Details
0-10 model years old
Our Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
New or Used Auto
5.24%
up to 84 Months
▼
APR5.24%
Termup to 84 Months
Last UpdatedMay 20, 2026
Details
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
New & Used Autos
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMay 20, 2026
Details
As Low As; Used Auto Purchase or Refinance
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
New Auto (2021 and Newer)
5.24%
6 years
▼
APR5.24%
Term6 years
Last UpdatedMay 22, 2026
Details
As Low As
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
New & Used Autos
5.25%
84 Months
▼
APR5.25%
Term84 Months
Last UpdatedMay 20, 2026
Details
As Low As; New Auto Purchase or Refinance
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
New Auto Purchase or Refinance
5.25%
73 Months
▼
APR5.25%
Term73 Months
Last UpdatedMay 20, 2026
Details
As Low As; Terms: 73 - 84 months
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
NEW AUTO - Max
5.30%
up to 60 months
▼
APR5.30%
Termup to 60 months
Last UpdatedMay 18, 2026
Details
$100,000; As Low As
Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
New Autos (2025 or Newer)
5.34%
61-66 months
▼
APR5.34%
Term61-66 months
Last UpdatedMay 18, 2026
Details
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
New Vehicles Model Year 2025-2026 Loan
5.39%
84 Months
▼
APR5.39%
Term84 Months
Last UpdatedMay 22, 2026
Details
min loan $25,000
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
NEW AUTO - Max
5.43%
61 - 72 months
▼
APR5.43%
Term61 - 72 months
Last UpdatedMay 18, 2026
Details
$100,000; As Low As
Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
New Autos (2025 or Newer)
5.44%
67-75 months
▼
APR5.44%
Term67-75 months
Last UpdatedMay 18, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New & Used Autos
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMay 18, 2026
Details
As Low As
Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
New Autos (2025 or Newer)
5.49%
76-84 months
▼
APR5.49%
Term76-84 months
Last UpdatedMay 18, 2026
Details
Salal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.66%
New vehicles have never been titled or licensed and used vehicles up to 1 year old.
5.49%
Up to 84 months
▼
APR5.49%
TermUp to 84 months
Last UpdatedMay 20, 2026
Details
Rates increase without automatic payment; Rates decrease for hybrid and EV loans.
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
New Vehicles
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMay 20, 2026
Details
Model Year 2025 or newer
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
New & Used Autos
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMay 20, 2026
Details
As Low As; Used Auto Purchase or Refinance
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
New Auto (2021 and Newer)
5.49%
7 years
▼
APR5.49%
Term7 years
Last UpdatedMay 22, 2026
Details
As Low As
Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
New Cars Loan
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMay 22, 2026
Details
0% down OAC
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New Vehicles (2023 - 2026)
5.50%
49 - 60
▼
APR5.50%
Term49 - 60
Last UpdatedMay 17, 2026
Details
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
NEW AUTO - Max
5.53%
73 - 84 months
▼
APR5.53%
Term73 - 84 months
Last UpdatedMay 18, 2026
Details
$100,000; As Low As
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
New Auto: 2024 and Newer
5.54%
36 Months
▼
APR5.54%
Term36 Months
Last UpdatedMay 21, 2026
Details
As Low As
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.62%
New Auto
5.54%
Up to 60 months
▼
APR5.54%
TermUp to 60 months
Last UpdatedMay 22, 2026
Details
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.62%
New Auto
5.64%
61 - 72 months
▼
APR5.64%
Term61 - 72 months
Last UpdatedMay 22, 2026
Details
Great Northwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
New or Used Auto Loans
5.69%
Up to 84 Months
▼
APR5.69%
TermUp to 84 Months
Last UpdatedMay 22, 2026
Details
Interest rate will decrease by .25% if enrolled with credit union automatic payments. Interest Rate Increases: Your rate will increase by 1.0% if the vehicle is more than 10 model years old. Your rate will increase by 1.0% if the vehicle has mileage of 125,000 or more.
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
2023 & Newer Auto Loans (Cars, trucks & vans)
5.74%
36 - 60
▼
APR5.74%
Term36 - 60
Last UpdatedMay 18, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
New auto
5.74%
36-60 months
▼
APR5.74%
Term36-60 months
Last UpdatedMay 18, 2026
Details
2023 and newer
Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
New Auto Loan
5.74%
36 Months
▼
APR5.74%
Term36 Months
Last UpdatedMay 20, 2026
Details
As Low As
Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.98%
New & Used Auto Loans
5.75%
24 - 48
▼
APR5.75%
Term24 - 48
Last UpdatedMay 20, 2026
Details
As Low As
APR5.75%
Term61-72
Last UpdatedMay 20, 2026
Details
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
New Auto: 2024 and Newer
5.80%
48 Months
▼
APR5.80%
Term48 Months
Last UpdatedMay 21, 2026
Details
As Low As
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.62%
New Auto
5.84%
73 - 84 months
▼
APR5.84%
Term73 - 84 months
Last UpdatedMay 22, 2026
Details
Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
New Vehicle Loans
5.93%
60 Months
▼
APR5.93%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
2023 & Newer Auto Loans (Cars, trucks & vans)
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMay 18, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
New auto
5.99%
72 months
▼
APR5.99%
Term72 months
Last UpdatedMay 18, 2026
Details
2023 and newer
Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
New Auto Loan
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMay 20, 2026
Details
As Low As
Cheney Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
New Auto/Truck Loan
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMay 22, 2026
Details
Fixed rate, terms up to 84 months with no more than 12,000 miles.
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New Vehicles (2023 - 2026)
6.00%
61 - 72
▼
APR6.00%
Term61 - 72
Last UpdatedMay 17, 2026
Details
Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.98%
New & Used Auto Loans
6.00%
60 - 72
▼
APR6.00%
Term60 - 72
Last UpdatedMay 20, 2026
Details
As Low As
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
New Auto: 2024 and Newer
6.12%
60 Months
▼
APR6.12%
Term60 Months
Last UpdatedMay 21, 2026
Details
As Low As
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
2023 & Newer Auto Loans (Cars, trucks & vans)
6.24%
84 Months
▼
APR6.24%
Term84 Months
Last UpdatedMay 18, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
New auto
6.24%
84 months
▼
APR6.24%
Term84 months
Last UpdatedMay 18, 2026
Details
2023 and newer
APR6.25%
Term73-84
Last UpdatedMay 20, 2026
Details
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Used Auto: 2011 and Newer
6.25%
36 Months
▼
APR6.25%
Term36 Months
Last UpdatedMay 21, 2026
Details
As Low As
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
New Vehicles
6.49%
84 Months
▼
APR6.49%
Term84 Months
Last UpdatedMay 20, 2026
Details
Model Year 2025 or newer
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Used Auto: 2011 and Newer
6.49%
48 Months
▼
APR6.49%
Term48 Months
Last UpdatedMay 21, 2026
Details
As Low As
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New Vehicles (2023 - 2026)
6.50%
73 - 84
▼
APR6.50%
Term73 - 84
Last UpdatedMay 17, 2026
Details
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
New Auto: 2024 and Newer
6.54%
72 Months
▼
APR6.54%
Term72 Months
Last UpdatedMay 21, 2026
Details
As Low As
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
New Auto: 2024 and Newer
6.68%
84 Months
▼
APR6.68%
Term84 Months
Last UpdatedMay 21, 2026
Details
As Low As
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Used Auto: 2011 and Newer
6.71%
60 Months
▼
APR6.71%
Term60 Months
Last UpdatedMay 21, 2026
Details
As Low As
Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.98%
New & Used Auto Loans
7.00%
84 Months
▼
APR7.00%
Term84 Months
Last UpdatedMay 20, 2026
Details
As Low As
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Used Auto: 2011 and Newer
7.16%
72 Months
▼
APR7.16%
Term72 Months
Last UpdatedMay 21, 2026
Details
As Low As
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
2023 & Newer Auto Loans (Cars, trucks & vans)
7.24%
96 Months
▼
APR7.24%
Term96 Months
Last UpdatedMay 18, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
New auto
7.24%
96 months
▼
APR7.24%
Term96 months
Last UpdatedMay 18, 2026
Details
2023 and newer
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Used Auto: 2011 and Newer
7.30%
84 Months
▼
APR7.30%
Term84 Months
Last UpdatedMay 21, 2026
Details
As Low As
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
New Vehicles Model Year 2025-2026 Loan
7.39%
96 month
▼
APR7.39%
Term96 month
Last UpdatedMay 22, 2026
Details
min loan $45,000 A+ A Credit Tier Only
Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.98%
New & Used Auto Loans
7.50%
96 Months
▼
APR7.50%
Term96 Months
Last UpdatedMay 20, 2026
Details
As Low As
OlyFed Olympia Federal S&L
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
New, Used or Classic Vehicle Loan
7.54%
Choose your term to suit your monthly budget
▼
APR7.54%
TermChoose your term to suit your monthly budget
Last UpdatedMay 20, 2026
Details
Your individual financing and the interest rate to which you qualify will be determined by vehicle age and individual credit history
Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.98%
New & Used Auto Loans
8.25%
108 Months
▼
APR8.25%
Term108 Months
Last UpdatedMay 20, 2026
Details
As Low As
North Coast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
New / Used Vehicles
17.47%
1 to 84
▼
APR17.47%
Term1 to 84
Last UpdatedMay 20, 2026
Details
Great Northwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
New or Used Auto Loans
17.99%
Up to 84 Months
▼
APR17.99%
TermUp to 84 Months
Last UpdatedMay 22, 2026
Details
Interest rate will decrease by .25% if enrolled with credit union automatic payments. Interest Rate Increases: Your rate will increase by 1.0% if the vehicle is more than 10 model years old. Your rate will increase by 1.0% if the vehicle has mileage of 125,000 or more.
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Waterfront Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.62%
New & Used Autos (2021 & Newer)
3.64%
Up to 84 Months
▼
APR3.64%
TermUp to 84 Months
Last UpdatedMay 17, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New & Used Autos
4.24%
24 Months
▼
APR4.24%
Term24 Months
Last UpdatedMay 18, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New & Used Autos
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMay 18, 2026
Details
As Low As
Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
Used Cars Loan
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedMay 22, 2026
Details
up to 10 years old; 0% down OAC
Waterfront Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.62%
Used Autos (2020 & Older)
4.74%
Up to 72 Months
▼
APR4.74%
TermUp to 72 Months
Last UpdatedMay 17, 2026
Details
NW Priority Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
Used Auto
4.74%
2016 - 2024
▼
APR4.74%
Term2016 - 2024
Last UpdatedMay 18, 2026
Details
Strait View Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
New & Used Vehicles
4.75%
Up to 96 months
▼
APR4.75%
TermUp to 96 months
Last UpdatedMay 20, 2026
Details
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
New & Used Autos
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMay 20, 2026
Details
As Low As; New Auto Purchase or Refinance
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Used Vehicles (2017 - 2022)
4.85%
0 - 36
▼
APR4.85%
Term0 - 36
Last UpdatedMay 17, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New & Used Autos
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMay 18, 2026
Details
As Low As
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
New & Used Autos
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 20, 2026
Details
As Low As; Used Auto Purchase or Refinance
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
Used Auto Purchase or Refinance
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 20, 2026
Details
As Low As; Terms: 60 months or less
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
New & Used Autos
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedMay 20, 2026
Details
As Low As; New Auto Purchase or Refinance
IBEW 76 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
Used Auto
5.00%
24 to 84 months
▼
APR5.00%
Term24 to 84 months
Last UpdatedMay 22, 2026
Details
North Coast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
New / Used Vehicles
5.22%
1 to 84
▼
APR5.22%
Term1 to 84
Last UpdatedMay 20, 2026
Details
Ironworkers USA Federal Credit Union
Institution Rating:
C+4.2 ★ Texas Ratio: 23.15%
Used Vehicles
5.24%
36-84 months
▼
APR5.24%
Term36-84 months
Last UpdatedMay 7, 2026
Details
Sno Falls Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.26%
Used Auto
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMay 20, 2026
Details
Our Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
New or Used Auto
5.24%
up to 84 Months
▼
APR5.24%
Termup to 84 Months
Last UpdatedMay 20, 2026
Details
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
New & Used Autos
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMay 20, 2026
Details
As Low As; Used Auto Purchase or Refinance
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
Used Auto Purchase or Refinance
5.24%
61 Months
▼
APR5.24%
Term61 Months
Last UpdatedMay 20, 2026
Details
As Low As; Terms: 61 - 72 months
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
New & Used Autos
5.25%
84 Months
▼
APR5.25%
Term84 Months
Last UpdatedMay 20, 2026
Details
As Low As; New Auto Purchase or Refinance
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
USED AUTO - Max
5.40%
up to 60 months
▼
APR5.40%
Termup to 60 months
Last UpdatedMay 18, 2026
Details
$100,000; As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New & Used Autos
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMay 18, 2026
Details
As Low As
Salal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.66%
New vehicles have never been titled or licensed and used vehicles up to 1 year old.
5.49%
Up to 84 months
▼
APR5.49%
TermUp to 84 months
Last UpdatedMay 20, 2026
Details
Rates increase without automatic payment; Rates decrease for hybrid and EV loans.
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
Used Vehicles
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedMay 20, 2026
Details
Model Year 2024 or older
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
New & Used Autos
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMay 20, 2026
Details
As Low As; Used Auto Purchase or Refinance
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
Used Auto Purchase or Refinance
5.49%
73 Months
▼
APR5.49%
Term73 Months
Last UpdatedMay 20, 2026
Details
As Low As; Terms: 73 - 84 months
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
Used Auto (Models 2017 - 2020)
5.49%
4 years
▼
APR5.49%
Term4 years
Last UpdatedMay 22, 2026
Details
As Low As
Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
Used Cars Loan
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMay 22, 2026
Details
up to 10 years old; 0% down OAC
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
USED AUTO - Max
5.54%
61 - 72 months
▼
APR5.54%
Term61 - 72 months
Last UpdatedMay 18, 2026
Details
$100,000; As Low As
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Used Vehicles (2017 - 2022)
5.60%
37 - 48
▼
APR5.60%
Term37 - 48
Last UpdatedMay 17, 2026
Details
As Low As
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
USED AUTO - Max
5.65%
73 - 84 months
▼
APR5.65%
Term73 - 84 months
Last UpdatedMay 18, 2026
Details
$100,000; As Low As
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.62%
Used Auto
5.69%
Up to 60 months
▼
APR5.69%
TermUp to 60 months
Last UpdatedMay 22, 2026
Details
Great Northwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
New or Used Auto Loans
5.69%
Up to 84 Months
▼
APR5.69%
TermUp to 84 Months
Last UpdatedMay 22, 2026
Details
Interest rate will decrease by .25% if enrolled with credit union automatic payments. Interest Rate Increases: Your rate will increase by 1.0% if the vehicle is more than 10 model years old. Your rate will increase by 1.0% if the vehicle has mileage of 125,000 or more.
Salal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.66%
Used vehicles that have been titled or licensed and are 2 years old and older.
5.74%
Up to 84 months
▼
APR5.74%
TermUp to 84 months
Last UpdatedMay 20, 2026
Details
Rates increase without automatic payment; Rates decrease for hybrid and EV loans.
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
Used Vehicles
5.74%
72 Months
▼
APR5.74%
Term72 Months
Last UpdatedMay 20, 2026
Details
Model Year 2024 or older
Cheney Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
Used Auto/Truck Loan
5.74%
72 Months
▼
APR5.74%
Term72 Months
Last UpdatedMay 22, 2026
Details
Fixed rate, terms up to 72 months on vehicles up to 10 years old.
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
Used Auto (Models 2017 - 2020)
5.74%
5 years
▼
APR5.74%
Term5 years
Last UpdatedMay 22, 2026
Details
As Low As
Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.98%
New & Used Auto Loans
5.75%
24 - 48
▼
APR5.75%
Term24 - 48
Last UpdatedMay 20, 2026
Details
As Low As
Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Used Vehicle Loans
5.77%
48 Months
▼
APR5.77%
Term48 Months
Last UpdatedMay 22, 2026
Details
As Low As
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.62%
Used Auto
5.79%
61 - 72 months
▼
APR5.79%
Term61 - 72 months
Last UpdatedMay 22, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
2016-2019 Older Used Auto Loans and Other Titled Vehicles
5.89%
36-60
▼
APR5.89%
Term36-60
Last UpdatedMay 18, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
2020-2022 Used Auto Loans (Cars, trucks & vans)
5.89%
36 - 60
▼
APR5.89%
Term36 - 60
Last UpdatedMay 18, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
Used auto
5.89%
36-60 months
▼
APR5.89%
Term36-60 months
Last UpdatedMay 18, 2026
Details
2016-2022
Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
Used Auto Loan
5.99%
36 Months
▼
APR5.99%
Term36 Months
Last UpdatedMay 20, 2026
Details
As Low As
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.62%
Used Auto
5.99%
73 - 84 months
▼
APR5.99%
Term73 - 84 months
Last UpdatedMay 22, 2026
Details
Cheney Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
Used Auto/Truck Loan
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMay 22, 2026
Details
84 months available under certain conditions.
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
Used Auto (Models 2017 - 2020)
5.99%
6 years
▼
APR5.99%
Term6 years
Last UpdatedMay 22, 2026
Details
As Low As
Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Used Vehicle Loans
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMay 22, 2026
Details
As Low As
Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.98%
New & Used Auto Loans
6.00%
60 - 72
▼
APR6.00%
Term60 - 72
Last UpdatedMay 20, 2026
Details
As Low As
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Used Vehicles (2017 - 2022)
6.10%
49 - 60
▼
APR6.10%
Term49 - 60
Last UpdatedMay 17, 2026
Details
As Low As
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
2016-2019 Older Used Auto Loans and Other Titled Vehicles
6.14%
72 Months
▼
APR6.14%
Term72 Months
Last UpdatedMay 18, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
2020-2022 Used Auto Loans (Cars, trucks & vans)
6.14%
72 Months
▼
APR6.14%
Term72 Months
Last UpdatedMay 18, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
Used auto
6.14%
72 months
▼
APR6.14%
Term72 months
Last UpdatedMay 18, 2026
Details
2016-2022
NW Priority Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
Used Auto
6.24%
2015 and Older
▼
APR6.24%
Term2015 and Older
Last UpdatedMay 18, 2026
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
Used Auto Loan
6.24%
84 Months
▼
APR6.24%
Term84 Months
Last UpdatedMay 20, 2026
Details
As Low As
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
Used Auto (Models 2017 - 2020)
6.24%
7 years
▼
APR6.24%
Term7 years
Last UpdatedMay 22, 2026
Details
As Low As
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Used Auto: 2011 and Newer
6.25%
36 Months
▼
APR6.25%
Term36 Months
Last UpdatedMay 21, 2026
Details
As Low As
Connection Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.51%
Used Auto
6.34%
Up to 60
▼
APR6.34%
TermUp to 60
Last UpdatedMay 20, 2026
Details
11+ model years old
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Used Auto: 2011 and Newer
6.49%
48 Months
▼
APR6.49%
Term48 Months
Last UpdatedMay 21, 2026
Details
As Low As
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
2020-2022 Used Auto Loans (Cars, trucks & vans)
6.59%
84 Months
▼
APR6.59%
Term84 Months
Last UpdatedMay 18, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
Used auto
6.59%
84 months
▼
APR6.59%
Term84 months
Last UpdatedMay 18, 2026
Details
2016-2022
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Used Vehicles (2017 - 2022)
6.60%
61 - 72
▼
APR6.60%
Term61 - 72
Last UpdatedMay 17, 2026
Details
As Low As
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Used Auto: 2011 and Newer
6.71%
60 Months
▼
APR6.71%
Term60 Months
Last UpdatedMay 21, 2026
Details
As Low As
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Used Vehicle
6.99%
60 Months
▼
APR6.99%
Term60 Months
Last UpdatedMay 20, 2026
Details
As Low As
Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
Older Used Cars Loan
6.99%
72 Months
▼
APR6.99%
Term72 Months
Last UpdatedMay 22, 2026
Details
11-18 years old; requires 10% down
Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.98%
New & Used Auto Loans
7.00%
84 Months
▼
APR7.00%
Term84 Months
Last UpdatedMay 20, 2026
Details
As Low As
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Used Auto: 2011 and Newer
7.16%
72 Months
▼
APR7.16%
Term72 Months
Last UpdatedMay 21, 2026
Details
As Low As
Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
Used Auto Loan
7.24%
60 Months
▼
APR7.24%
Term60 Months
Last UpdatedMay 20, 2026
Details
As Low As
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Used Auto: 2011 and Newer
7.30%
84 Months
▼
APR7.30%
Term84 Months
Last UpdatedMay 21, 2026
Details
As Low As
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Used Vehicles (2017 - 2022)
7.35%
73 - 84
▼
APR7.35%
Term73 - 84
Last UpdatedMay 17, 2026
Details
As Low As
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
OLDER USED AUTO (2015 or older) - Max
7.40%
up to 60 months
▼
APR7.40%
Termup to 60 months
Last UpdatedMay 18, 2026
Details
$25,000; As Low As
Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.98%
New & Used Auto Loans
7.50%
96 Months
▼
APR7.50%
Term96 Months
Last UpdatedMay 20, 2026
Details
As Low As
OlyFed Olympia Federal S&L
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
New, Used or Classic Vehicle Loan
7.54%
Choose your term to suit your monthly budget
▼
APR7.54%
TermChoose your term to suit your monthly budget
Last UpdatedMay 20, 2026
Details
Your individual financing and the interest rate to which you qualify will be determined by vehicle age and individual credit history
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
OLDER USED AUTO (2015 or older) - Max
7.54%
61 - 72 months
▼
APR7.54%
Term61 - 72 months
Last UpdatedMay 18, 2026
Details
$25,000; As Low As
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
OLDER USED AUTO (2015 or older) - Max
7.65%
73 - 84 months
▼
APR7.65%
Term73 - 84 months
Last UpdatedMay 18, 2026
Details
$25,000; As Low As
Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.98%
New & Used Auto Loans
8.25%
108 Months
▼
APR8.25%
Term108 Months
Last UpdatedMay 20, 2026
Details
As Low As
North Coast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
New / Used Vehicles
17.47%
1 to 84
▼
APR17.47%
Term1 to 84
Last UpdatedMay 20, 2026
Details
Great Northwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
New or Used Auto Loans
17.99%
Up to 84 Months
▼
APR17.99%
TermUp to 84 Months
Last UpdatedMay 22, 2026
Details
Interest rate will decrease by .25% if enrolled with credit union automatic payments. Interest Rate Increases: Your rate will increase by 1.0% if the vehicle is more than 10 model years old. Your rate will increase by 1.0% if the vehicle has mileage of 125,000 or more.
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MonitorBankRates
Granite Falls, WA Auto Loan Rate Trends
Compare local Granite Falls, WA 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 — WA Avg
5.782%
▲ 0.049 vs 7 days ago
Washington new auto rates rose 0.049 points over the past 7 days to 5.782% APR.
Used Auto Loan — WA Avg
6.900%
▲ 0.106 vs 7 days ago
Washington used auto rates rose 0.106 points over the past 7 days to 6.900% APR.
As of May 23, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Granite Falls, Washington auto loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Auto Loan Rate Data: We aggregate new and used auto loan rates for Granite Falls, Washington directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the lenders’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available auto loan products in Granite Falls, Washington. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in WA.
Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.
Frequently Asked Questions about Auto Loans in Granite Falls, Washington
How does my credit score affect my car loan rate in Washington?
Your credit score is the biggest factor determining your auto loan APR. Borrowers in Granite Falls, Washington 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 Washington *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 Granite Falls, Washington 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 Granite Falls, Washington?
Based on our current data, some of the lowest auto loan rates available in Granite Falls, Washington include:
- LONGSHOREMENS LOCAL 4: 1.99% (New vehicle)
- Waterfront Federal Credit Union: 3.64% (New & Used Autos (2021 & Newer))
- Delta Schools Federal Credit Union: 3.99% (New Vehicles Model Year 2025-2026 Loan)
- IBEW 76 Federal Credit Union: 4.00% (New Auto)
- Ironworkers USA Federal Credit Union: 4.24% (New Vehicles)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Granite Falls, Washington. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 22, 2026
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