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  9. Auto Loan Rate Trends

Stehekin, Washington Best Auto Loan Rates - October 2026

Stehekin, Washington auto loan rates from lenders serving Washington range from 1.99% to 6.34% APR, verified by MonitorBankRates as of October 13, 2026. Current auto loan rates in Stehekin, Washington include Longshoremen's Local 4 FCULongshoremen's Local 4 FCUA+5.0 ★Texas Ratio: 0.67% offering New vehicle Loan at 1.99%, Spokane City Credit UnionSpokane City Credit UnionA+5.0 ★Texas Ratio: 0.74% offering Autos and Motorcycles at 3.79%, Responders Emergency Services Credit UnionResponders Emergency Services Credit UnionA+5.0 ★Texas Ratio: 0.03% offering New & Used Automobiles at 3.79%, Navy Federal Credit UnionNavy Federal Credit UnionA5.0 ★Texas Ratio: 8.14% offering New Auto Loan at 3.89%, Delta Schools Federal Credit UnionDelta Schools Federal Credit UnionA+5.0 ★Texas Ratio: 0.02% offering New Vehicles Model Year 2025-2026 Loan at 3.99%. Auto loan rates as of October 13, 2026 according to verified data from MonitorBankRates.

Stehekin borrowers have access to 46 lenders serving the Washington area, with auto loan rates as low as 1.99% APR from Longshoremen's Local 4 FCU. Use the tabs below to compare new and used auto loan rates. Rates are continually updated, so we recommend checking back frequently.

Auto loan rates reflect recent market quotes and representative offers available to borrowers in Stehekin, Washington. Auto Loan Rates Last Updated and Verified: October 13, 2026

Compare Auto Loan Rates Today in Stehekin, Washington & Surrounding Area

Stehekin Auto Loan Rates

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Longshoremen's Local 4 FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 0.67%
New vehicle Loan
1.99%
Up to 84 months
▼
APR1.99%
Interest Rate1.99%
TermUp to 84 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 14, 2026 · 1.99% APR · checked 7 times
1.49%1.99%2.49%Sep 14, 2026: 1.99% APRSep 14, 2026Oct 13, 2026
Longshoremen's Local 4 FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 0.67%
Used vehicle (1-2 years old) Loan
1.99%
Up to 84 months
▼
APR1.99%
Interest Rate1.99%
TermUp to 84 months
Last UpdatedOct 10, 2026
Details

Published APR range: 1.99% to 8.75%; Published rate range: 1.99% to 8.75%.

Rate History
2 changes since Sep 14, 2026 · 1.99% → 1.99% ▼ 0.00 pts · high 8.75% / low 1.99%
0.00%7.76%15.51%Sep 14, 2026: 1.99% APRSep 18, 2026: 8.75% APROct 1, 2026: 1.99% APRSep 14, 2026Oct 13, 2026
  • Oct 1, 20261.99%▼ from 8.75%
  • Sep 18, 20268.75%▲ from 1.99%
  • Sep 14, 20261.99%first recorded
Spokane City Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.74%
Autos and Motorcycles
3.79%
2 to 7 years
▼
APR3.79%
Term2 to 7 years
Last UpdatedOct 10, 2026
Details

Published APR range: 3.79% to 18.00%.

Rate History
No change since Sep 18, 2026 · 3.79% APR · checked 5 times
3.29%3.79%4.29%Sep 18, 2026: 3.79% APRSep 18, 2026Oct 13, 2026
Responders Emergency Services Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
New & Used Automobiles
3.79%
48 months
▼
APR3.79%
Term48 months
Last UpdatedOct 10, 2026
Details

As Low As; 7 years or newer model years.

Rate History
1 change since Sep 14, 2026 · 3.99% → 3.79% ▼ 0.20 pts · high 3.99% / low 3.79%
3.29%3.89%4.49%Sep 14, 2026: 3.99% APROct 10, 2026: 3.79% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.79%▼ from 3.99%
  • Sep 14, 20263.99%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Auto Loan
3.89%
12-36 Months
▼
APR3.89%
Term12-36 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 3.89% APR · checked 4 times
3.39%3.89%4.39%Sep 30, 2026: 3.89% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Vehicle Loan
3.89%
up to 36 months
▼
APR3.89%
Termup to 36 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 3.89% APR · checked 4 times
3.39%3.89%4.39%Sep 30, 2026: 3.89% APRSep 30, 2026Oct 13, 2026
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
New Vehicles Model Year 2025-2026 Loan
3.99%
36 months
▼
APR3.99%
Interest Rate3.99%
Term36 months
Last UpdatedOct 13, 2026
Details

Rate History
No change since Sep 17, 2026 · 3.99% APR · checked 8 times
3.49%3.99%4.49%Sep 17, 2026: 3.99% APRSep 17, 2026Oct 13, 2026
Responders Emergency Services Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
New & Used Automobiles and Street Motorcycles
3.99%
72 months
▼
APR3.99%
Term72 months
Last UpdatedOct 10, 2026
Details

As Low As; 7 model years or newer.

Rate History
No change since Oct 10, 2026 · 3.99% APR
3.49%3.99%4.49%Oct 10, 2026: 3.99% APROct 10, 2026Oct 13, 2026
Spark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
New Auto
4.00%
up to 84 months
▼
APR4.00%
Termup to 84 months
Last UpdatedOct 13, 2026
Details

Published APR range: 4.00% - 18%. Secured loan

Rate History
No change since Sep 14, 2026 · 4.00% APR · checked 8 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APRSep 14, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Business Vehicle Loan
4.09%
Up to 36 months
▼
APR4.09%
TermUp to 36 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 30, 2026 · 4.09% APR · checked 4 times
3.59%4.09%4.59%Sep 30, 2026: 4.09% APRSep 30, 2026Oct 13, 2026
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
Used Vehicles Model Year 2020-2024 Loan
4.19%
36 months
▼
APR4.19%
Interest Rate4.19%
Term36 months
Last UpdatedOct 13, 2026
Details

Rate History
No change since Sep 17, 2026 · 4.19% APR · checked 8 times
3.69%4.19%4.69%Sep 17, 2026: 4.19% APRSep 17, 2026Oct 13, 2026
Ironworkers USA Federal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 20.11%
New Auto Loans
4.24%
36-84 months
▼
APR4.24%
Term36-84 months
Last UpdatedOct 13, 2026
Details

Featured rate card; no term stated in source content

Rate History
No change since Oct 13, 2026 · 4.24% APR
3.74%4.24%4.74%Oct 13, 2026: 4.24% APROct 13, 2026Oct 13, 2026
Ironworkers USA Federal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 20.11%
New Vehicles Loan
4.24%
36-84 months
▼
APR4.24%
Term36-84 months
Last UpdatedOct 13, 2026
Details

Published APR range: 4.24 - 18%. Rates are based on credit history, credit qualifications, and loan term

Rate History
No change since Sep 14, 2026 · 4.24% APR · checked 9 times
3.74%4.24%4.74%Sep 14, 2026: 4.24% APRSep 14, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.69%
Vehicle Loans
4.24%
24 Months
▼
APR4.24%
Term24 Months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Oct 9, 2026 · 4.24% APR · checked 3 times
3.74%4.24%4.74%Oct 9, 2026: 4.24% APROct 9, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.69%
Vehicle Loans
4.24%
36 Months
▼
APR4.24%
Term36 Months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Oct 9, 2026 · 4.24% APR · checked 3 times
3.74%4.24%4.74%Oct 9, 2026: 4.24% APROct 9, 2026Oct 13, 2026
TRI CITIES Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.07%
New & Used Auto
4.24%
up to 84 months
▼
APR4.24%
Termup to 84 months
Last UpdatedOct 10, 2026
Details

Published APR range: 4.24% - 18.00%. Up to 115% Book Value or purchase price, depending on credit quality.

Rate History
No change since Sep 30, 2026 · 4.24% APR · checked 4 times
3.74%4.24%4.74%Sep 30, 2026: 4.24% APRSep 30, 2026Oct 13, 2026
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
New Vehicles (2023 - 2026) Auto Loan
4.25%
0 - 36 months
▼
APR4.25%
Term0 - 36 months
Last UpdatedOct 13, 2026
Details

Published APR range: 4.25% - 16.75%. APR Range*; Up to 125% LTV; Mileage maximum: 150,000; Rates effective as of 6/30/2026

Rate History
No change since Oct 13, 2026 · 4.25% APR
3.75%4.25%4.75%Oct 13, 2026: 4.25% APROct 13, 2026Oct 13, 2026
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.24%
Autos
4.25%
Up to 96 Months
▼
APR4.25%
TermUp to 96 Months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 6 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Auto Loan
4.29%
37-60 Months
▼
APR4.29%
Term37-60 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 4.29% APR · checked 4 times
3.79%4.29%4.79%Sep 30, 2026: 4.29% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Vehicle Loan
4.29%
37-60 months
▼
APR4.29%
Term37-60 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 4.29% APR · checked 4 times
3.79%4.29%4.79%Sep 30, 2026: 4.29% APRSep 30, 2026Oct 13, 2026
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.40%
New Auto Loan
4.30%
60 months
▼
APR4.30%
Term60 months
Last UpdatedOct 9, 2026
Details

As low as; Loan rates

Rate History
No change since Oct 9, 2026 · 4.30% APR
3.80%4.30%4.80%Oct 9, 2026: 4.30% APROct 9, 2026Oct 13, 2026
Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.44%
New Cars Loan
4.49%
up to 72 months
▼
APR4.49%
Termup to 72 months
Last UpdatedOct 12, 2026
Details

0% down OAC

Rate History
No change since Sep 12, 2026 · 4.49% APR · checked 8 times
3.99%4.49%4.99%Sep 12, 2026: 4.49% APRSep 12, 2026Oct 13, 2026
Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.44%
Used Cars Loan
4.49%
up to 72 months
▼
APR4.49%
Termup to 72 months
Last UpdatedOct 12, 2026
Details

up to 10 years old; 0% down OAC

Rate History
No change since Sep 12, 2026 · 4.49% APR · checked 8 times
3.99%4.49%4.99%Sep 12, 2026: 4.49% APRSep 12, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.69%
Vehicle Loans
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Oct 9, 2026 · 4.49% APR · checked 3 times
3.99%4.49%4.99%Oct 9, 2026: 4.49% APROct 9, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.69%
Vehicle Loans
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Oct 9, 2026 · 4.49% APR · checked 3 times
3.99%4.49%4.99%Oct 9, 2026: 4.49% APROct 9, 2026Oct 13, 2026
Our Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
Auto Loan
4.49%
60 months
▼
APR4.49%
Term60 months
Last UpdatedOct 10, 2026
Details

FOR A LIMITED TIME ONLY FLAT RATES AS LOW AS 4.49% APR*. Purchase or refinance a new or used vehicle with OURCU and put competitive rates to work for your budget. Offer valid on eligible vehicle purchases and refinances from other financial institutions. Current OURCU auto loans are not eligible. Eligible vehicles must be model year 2020 or newer with fewer than 100,000 miles. Promotion ends October 31, 2026.

Rate History
No change since Oct 10, 2026 · 4.49% APR
3.99%4.49%4.99%Oct 10, 2026: 4.49% APROct 10, 2026Oct 13, 2026
MountainCrest Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.42%
New Auto
4.50%
up to 84 months
▼
APR4.50%
Termup to 84 months
Last UpdatedOct 1, 2026
Details

Term: Up to 84-month term available; Published APR range: 4.50% to 16.75%. 2024 and newer. Loan to value based on MSRP or NADA retail.

Rate History
No change since Sep 18, 2026 · 4.50% APR · checked 4 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APRSep 18, 2026Oct 13, 2026
MountainCrest Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.42%
Used Auto
4.50%
up to 84 months
▼
APR4.50%
Termup to 84 months
Last UpdatedOct 1, 2026
Details

Term: Up to 84-month term available; Published APR range: 4.50% to 16.75%. 2023 and older. Loan to value based on NADA retail.

Rate History
No change since Sep 18, 2026 · 4.50% APR · checked 4 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APRSep 18, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Auto Loan
4.59%
61-72 Months
▼
APR4.59%
Term61-72 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 4.59% APR · checked 4 times
4.09%4.59%5.09%Sep 30, 2026: 4.59% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Vehicle Loan
4.59%
61-72 months
▼
APR4.59%
Term61-72 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 4.59% APR · checked 4 times
4.09%4.59%5.09%Sep 30, 2026: 4.59% APRSep 30, 2026Oct 13, 2026
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.06%
New Auto (2021 and Newer)
4.74%
4 years / 48 months
▼
APR4.74%
Term4 years / 48 months
Last UpdatedOct 12, 2026
Details

As Low As; Terms based on amount financed and model year of collateral; Maximum amount financed up to 110% of NADA average retail including tax and license

Rate History
No change since Sep 20, 2026 · 4.74% APR · checked 4 times
4.24%4.74%5.24%Sep 20, 2026: 4.74% APRSep 20, 2026Oct 13, 2026
WestEdge Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
EcoVehicle Loans - New and Used
4.74%
Up to 108 months
▼
APR4.74%
TermUp to 108 months
Last UpdatedOct 12, 2026
Details

Published APR range: 4.74% - 17.99%. APR range disclosed; actual APR based on credit history and loan term; Loan Rates effective as of February 18, 2026; Preferred rates and terms on new and used Battery Electric EVs, Plug-In Hybrids, and Gas-Electric Hybrids

Rate History
No change since Oct 12, 2026 · 4.74% APR
4.24%4.74%5.24%Oct 12, 2026: 4.74% APROct 12, 2026Oct 13, 2026
WestEdge Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
Vehicles & Motorcycles Loan
4.74%
Up to 108 months
▼
APR4.74%
TermUp to 108 months
Last UpdatedOct 12, 2026
Details

Published APR range: 4.74% - 17.99%. APR range; actual APR based on credit history and loan term

Rate History
No change since Sep 12, 2026 · 4.74% APR · checked 8 times
4.24%4.74%5.24%Sep 12, 2026: 4.74% APRSep 12, 2026Oct 13, 2026
Waterfront Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
Used Autos (2020 & Older)
4.74%
Up to 72 Months
▼
APR4.74%
TermUp to 72 Months
Last UpdatedOct 13, 2026
Details

Published APR range: 4.74% - 16.75%. As Low As

Rate History
No change since Oct 13, 2026 · 4.74% APR
4.24%4.74%5.24%Oct 13, 2026: 4.74% APROct 13, 2026Oct 13, 2026
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
New Vehicles Model Year 2025-2026 Loan
4.74%
48 months
▼
APR4.74%
Interest Rate4.74%
Term48 months
Last UpdatedOct 13, 2026
Details

Rate History
No change since Sep 17, 2026 · 4.74% APR · checked 8 times
4.24%4.74%5.24%Sep 17, 2026: 4.74% APRSep 17, 2026Oct 13, 2026
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
New Vehicles Model Year 2025-2026 Loan
4.74%
60 months
▼
APR4.74%
Interest Rate4.74%
Term60 months
Last UpdatedOct 13, 2026
Details

Rate History
No change since Sep 17, 2026 · 4.74% APR · checked 8 times
4.24%4.74%5.24%Sep 17, 2026: 4.74% APRSep 17, 2026Oct 13, 2026
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
New Vehicles Model Year 2025-2026 min loan
4.74%
72 months
▼
APR4.74%
Interest Rate4.74%
Term72 months
Last UpdatedOct 13, 2026
Details

$20,000; Minimum loan $20,000

Rate History
No change since Oct 13, 2026 · 4.74% APR
4.24%4.74%5.24%Oct 13, 2026: 4.74% APROct 13, 2026Oct 13, 2026
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
New Electric, Plug-in Hybrid, or Hybrid Vehicles: Model Year 2025 or newer Loan
4.74%
60 months
▼
APR4.74%
Term60 months
Last UpdatedOct 10, 2026
Details

Published APR range: 4.74 - 13.24%.

Rate History
No change since Sep 14, 2026 · 4.74% APR · checked 6 times
4.24%4.74%5.24%Sep 14, 2026: 4.74% APRSep 14, 2026Oct 13, 2026
Sno Falls Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New Auto
4.74%
up to 84 months
▼
APR4.74%
Termup to 84 months
Last UpdatedOct 10, 2026
Details

Published APR range: 4.74% - 15.49%.

Rate History
No change since Sep 14, 2026 · 4.74% APR · checked 6 times
4.24%4.74%5.24%Sep 14, 2026: 4.74% APRSep 14, 2026Oct 13, 2026
Our Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New or Used Auto
4.74%
up to 84 Months
▼
APR4.74%
Termup to 84 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 4.74% - 13.99%.

Rate History
No change since Sep 14, 2026 · 4.74% APR · checked 6 times
4.24%4.74%5.24%Sep 14, 2026: 4.74% APRSep 14, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Used Auto Loan
4.79%
12-36 Months
▼
APR4.79%
Term12-36 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 4.79% APR · checked 4 times
4.29%4.79%5.29%Sep 30, 2026: 4.79% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Used Vehicle Loan
4.79%
up to 36 months
▼
APR4.79%
Termup to 36 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 4.79% APR · checked 4 times
4.29%4.79%5.29%Sep 30, 2026: 4.79% APRSep 30, 2026Oct 13, 2026
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
Used Vehicles (2017 - 2022) Auto Loan
4.85%
0 - 36 months
▼
APR4.85%
Term0 - 36 months
Last UpdatedOct 13, 2026
Details

Published APR range: 4.85% - 17.35%. Up to 100% LTV; Mileage maximum: 150,000

Rate History
No change since Oct 13, 2026 · 4.85% APR
4.35%4.85%5.35%Oct 13, 2026: 4.85% APROct 13, 2026Oct 13, 2026
Our Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
Auto Loan
4.89%
72 months
▼
APR4.89%
Term72 months
Last UpdatedOct 10, 2026
Details

FOR A LIMITED TIME ONLY FLAT RATES AS LOW AS 4.49% APR*. Purchase or refinance a new or used vehicle with OURCU and put competitive rates to work for your budget. Offer valid on eligible vehicle purchases and refinances from other financial institutions. Current OURCU auto loans are not eligible. Eligible vehicles must be model year 2020 or newer with fewer than 100,000 miles. Promotion ends October 31, 2026.

Rate History
No change since Oct 10, 2026 · 4.89% APR
4.39%4.89%5.39%Oct 10, 2026: 4.89% APROct 10, 2026Oct 13, 2026
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.06%
New Auto (2021 and Newer)
4.99%
5 years / 60 months
▼
APR4.99%
Term5 years / 60 months
Last UpdatedOct 12, 2026
Details

As Low As; Terms based on amount financed and model year of collateral; Maximum amount financed up to 110% of NADA average retail including tax and license

Rate History
No change since Sep 20, 2026 · 4.99% APR · checked 4 times
4.49%4.99%5.49%Sep 20, 2026: 4.99% APRSep 20, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.69%
Vehicle Loans
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Oct 9, 2026 · 4.99% APR · checked 3 times
4.49%4.99%5.49%Oct 9, 2026: 4.99% APROct 9, 2026Oct 13, 2026
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.12%
Auto Loans (Cars, trucks & vans) - 2023 & Newer
4.99%
36 - 60 months
▼
APR4.99%
Term36 - 60 months
Last UpdatedOct 13, 2026
Details

Published APR range: 4.99% - 9.44%. Vehicle model year: 2023 & Newer; Fixed APR; APR range as printed

Rate History
No change since Oct 13, 2026 · 4.99% APR
4.49%4.99%5.49%Oct 13, 2026: 4.99% APROct 13, 2026Oct 13, 2026
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.12%
Business Auto Loans - New auto (2023 and newer)
4.99%
36-60 months
▼
APR4.99%
Term36-60 months
Last UpdatedOct 13, 2026
Details

Published APR range: 4.99% - 9.44%.

Rate History
No change since Oct 13, 2026 · 4.99% APR
4.49%4.99%5.49%Oct 13, 2026: 4.99% APROct 13, 2026Oct 13, 2026
Numerica Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
Auto Loans
4.99%
Up to 84 months
▼
APR4.99%
TermUp to 84 months
Last UpdatedOct 13, 2026
Details

Published APR range: 4.99% - 15.24%. Fixed APR; $50 document preparation fee required; APR reflects discounts up to 0.50%

Rate History
1 change since Sep 14, 2026 · 4.74% → 4.99% ▲ 0.25 pts · high 4.99% / low 4.74%
4.24%4.87%5.49%Sep 14, 2026: 4.74% APROct 5, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.99%▲ from 4.74%
  • Sep 14, 20264.74%first recorded
Red Canoe Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
New Auto
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedOct 10, 2026
Details

As Low As; Payment Example: $10,000 loan at 5.24% for 60 months - $189.81/month

Rate History
No change since Oct 10, 2026 · 4.99% APR
4.49%4.99%5.49%Oct 10, 2026: 4.99% APROct 10, 2026Oct 13, 2026
Red Canoe Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
Used Auto
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedOct 10, 2026
Details

As Low As; Payment Example: $10,000 loan at 5.24% for 60 months - $189.81/month

Rate History
No change since Oct 10, 2026 · 4.99% APR
4.49%4.99%5.49%Oct 10, 2026: 4.99% APROct 10, 2026Oct 13, 2026
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
New Electric, Plug-in Hybrid, or Hybrid Vehicles: Model Year 2025 or newer Loan
4.99%
72 months
▼
APR4.99%
Term72 months
Last UpdatedOct 10, 2026
Details

Published APR range: 4.99 - 14.24%.

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 6 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
Used Electric, Plug-in Hybrid, or Hybrid Vehicles: Model Year 2024 or older Loan
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedOct 10, 2026
Details

Published APR range: 4.99 - 13.49%.

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 6 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.53%
New Auto Loan (vehicle year 2025 - 2026)
5.00%
Up to 3 years
▼
APR5.00%
TermUp to 3 years
Last UpdatedOct 12, 2026
Details

As Low As; Vehicle year 2025 - 2026; Maximum Term in Years: 3; best rates based on approved credit, reflects maximum relationship discount of 1.00%

Rate History
1 change since Oct 8, 2026 · 5.50% → 5.00% ▼ 0.50 pts · high 5.50% / low 5.00%
4.50%5.25%6.00%Oct 8, 2026: 5.50% APROct 12, 2026: 5.00% APROct 8, 2026Oct 13, 2026
  • Oct 12, 20265.00%▼ from 5.50%
  • Oct 8, 20265.50%first recorded
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.53%
New Auto Loan (vehicle year 2025 - 2026)
5.00%
Up to 4 years
▼
APR5.00%
TermUp to 4 years
Last UpdatedOct 12, 2026
Details

As Low As; Vehicle year 2025 - 2026; Maximum Term in Years: 4; best rates based on approved credit, reflects maximum relationship discount of 1.00%

Rate History
1 change since Oct 8, 2026 · 5.50% → 5.00% ▼ 0.50 pts · high 5.50% / low 5.00%
4.50%5.25%6.00%Oct 8, 2026: 5.50% APROct 12, 2026: 5.00% APROct 8, 2026Oct 13, 2026
  • Oct 12, 20265.00%▼ from 5.50%
  • Oct 8, 20265.50%first recorded
Spark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
Used Auto
5.00%
up to 84 months
▼
APR5.00%
Termup to 84 months
Last UpdatedOct 13, 2026
Details

Published APR range: 5.00% - 18%. Secured loan

Rate History
No change since Sep 14, 2026 · 5.00% APR · checked 8 times
4.50%5.00%5.50%Sep 14, 2026: 5.00% APRSep 14, 2026Oct 13, 2026
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
New Vehicles (2023 - 2026) Auto Loan
5.00%
37 - 48 months
▼
APR5.00%
Term37 - 48 months
Last UpdatedOct 13, 2026
Details

Published APR range: 5.00% - 17.50%. APR Range*; Up to 125% LTV; Mileage maximum: 150,000; Rates effective as of 6/30/2026

Rate History
No change since Oct 13, 2026 · 5.00% APR
4.50%5.00%5.50%Oct 13, 2026: 5.00% APROct 13, 2026Oct 13, 2026
Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.01%
New Autos (2025 or Newer)
5.04%
Up to 36 months
▼
APR5.04%
TermUp to 36 months
Last UpdatedOct 13, 2026
Details

Min. Loan Amount: $500; APR range: 5.04% - 15.69%; Auto loan rates based on credit history and credit qualifications

Rate History
No change since Sep 18, 2026 · 5.04% APR · checked 5 times
4.54%5.04%5.54%Sep 18, 2026: 5.04% APRSep 18, 2026Oct 13, 2026
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.12%
2016-2019 Used Auto Loans (Cars, trucks & vans)
5.14%
36-60 month
▼
APR5.14%
Term36-60 month
Last UpdatedOct 13, 2026
Details

Model year: 2016-2019; APR range: 5.14% - 9.84% (fixed); Estimated minimum

Rate History
No change since Sep 18, 2026 · 5.14% APR · checked 4 times
4.64%5.14%5.64%Sep 18, 2026: 5.14% APRSep 18, 2026Oct 13, 2026
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.12%
2020-2022 Used Auto Loans (Cars, trucks & vans)
5.14%
36 - 60 months
▼
APR5.14%
Term36 - 60 months
Last UpdatedOct 13, 2026
Details

APR range 5.14% - 9.84% (fixed); Estimated minimum

Rate History
No change since Sep 14, 2026 · 5.14% APR · checked 3 times
4.64%5.14%5.64%Sep 14, 2026: 5.14% APRSep 14, 2026Oct 13, 2026
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.12%
Business Auto Loans - Used auto (2016-2022)
5.14%
36-60 months
▼
APR5.14%
Term36-60 months
Last UpdatedOct 13, 2026
Details

Published APR range: 5.14% - 9.84%.

Rate History
No change since Oct 13, 2026 · 5.14% APR
4.64%5.14%5.64%Oct 13, 2026: 5.14% APROct 13, 2026Oct 13, 2026
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
Auto Loan
5.15%
60 Month
▼
APR5.15%
Term60 Month
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
1 change since Sep 14, 2026 · 4.85% → 5.15% ▲ 0.30 pts · high 5.15% / low 4.85%
4.35%5.00%5.65%Sep 14, 2026: 4.85% APRSep 27, 2026: 5.15% APRSep 14, 2026Oct 13, 2026
  • Sep 27, 20265.15%▲ from 4.85%
  • Sep 14, 20264.85%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Used Business Vehicle Loan
5.19%
Up to 36 months
▼
APR5.19%
TermUp to 36 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 30, 2026 · 5.19% APR · checked 4 times
4.69%5.19%5.69%Sep 30, 2026: 5.19% APRSep 30, 2026Oct 13, 2026
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
New Vehicles Model Year 2025-2026 min loan
5.19%
84 months
▼
APR5.19%
Interest Rate5.19%
Term84 months
Last UpdatedOct 13, 2026
Details

$25,000; Minimum loan $25,000

Rate History
No change since Oct 13, 2026 · 5.19% APR
4.69%5.19%5.69%Oct 13, 2026: 5.19% APROct 13, 2026Oct 13, 2026
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
Used Vehicles Model Year 2020-2024 Loan
5.19%
48 months
▼
APR5.19%
Interest Rate5.19%
Term48 months
Last UpdatedOct 13, 2026
Details

Rate History
No change since Sep 17, 2026 · 5.19% APR · checked 8 times
4.69%5.19%5.69%Sep 17, 2026: 5.19% APRSep 17, 2026Oct 13, 2026
Our Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
Auto Loan
5.19%
84 months
▼
APR5.19%
Term84 months
Last UpdatedOct 10, 2026
Details

FOR A LIMITED TIME ONLY FLAT RATES AS LOW AS 4.49% APR*. Purchase or refinance a new or used vehicle with OURCU and put competitive rates to work for your budget. Offer valid on eligible vehicle purchases and refinances from other financial institutions. Current OURCU auto loans are not eligible. Eligible vehicles must be model year 2020 or newer with fewer than 100,000 miles. Promotion ends October 31, 2026.

Rate History
No change since Oct 10, 2026 · 5.19% APR
4.69%5.19%5.69%Oct 10, 2026: 5.19% APROct 10, 2026Oct 13, 2026
PUD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used vehicles, boats, RV's, ATV's 2016-2026 Loan
5.20%
Up to 48 months
▼
APR5.20%
TermUp to 48 months
Last UpdatedOct 12, 2026
Details

Term: Up to 48 months (4 years)

Rate History
No change since Sep 18, 2026 · 5.20% APR · checked 4 times
4.70%5.20%5.70%Sep 18, 2026: 5.20% APRSep 18, 2026Oct 13, 2026
Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★ Texas Ratio: 2.23%
New & Used Auto Loans
5.21%
0 - 36 Months
▼
APR5.21%
Term0 - 36 Months
Last UpdatedOct 12, 2026
Details

Published APR range: 5.21% - 13.21%. Estimated payment: $601 a month for 36 months, $20,000 loan at 5.21%

Rate History
No change since Sep 14, 2026 · 5.21% APR · checked 6 times
4.71%5.21%5.71%Sep 14, 2026: 5.21% APRSep 14, 2026Oct 13, 2026
North Coast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
New / Used Vehicles Loan
5.22%
1 to 84 Months
▼
APR5.22%
Term1 to 84 Months
Last UpdatedOct 13, 2026
Details

Published APR range: 5.220% to 17.470%. Rate printed as range 5.220% to 17.470% APR*; rate will vary based on term; Purchase New Vehicles: Up to 125% LTV of NADA, MSRP Value or purchase price whichever is less; Purchase Used Vehicles: Up to 125% LTV of NADA Average Retail value or purchase price whichever is less; Refinance: Up to 100% LTV (cash out) of NADA Avg Retail value; Maximum loan not to exceed 125% LTV of MSRP or NADA value including taxes, license, GAP and extended warranty

Rate History
No change since Sep 14, 2026 · 5.22% APR · checked 6 times
4.72%5.22%5.72%Sep 14, 2026: 5.22% APRSep 14, 2026Oct 13, 2026
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.66%
Autos (2021-2026)
5.24%
48 Months
▼
APR5.24%
Term48 Months
Last UpdatedOct 12, 2026
Details

Financing: 100% MSRP or High KBB

Rate History
No change since Sep 16, 2026 · 5.24% APR · checked 4 times
4.74%5.24%5.74%Sep 16, 2026: 5.24% APRSep 16, 2026Oct 13, 2026
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.06%
New Auto (2021 and Newer)
5.24%
6 years / 72 months
▼
APR5.24%
Term6 years / 72 months
Last UpdatedOct 12, 2026
Details

As Low As; Terms based on amount financed and model year of collateral; Maximum amount financed up to 110% of NADA average retail including tax and license

Rate History
No change since Sep 20, 2026 · 5.24% APR · checked 4 times
4.74%5.24%5.74%Sep 20, 2026: 5.24% APRSep 20, 2026Oct 13, 2026
Ironworkers USA Federal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 20.11%
Used Auto Loans
5.24%
36-84 months
▼
APR5.24%
Term36-84 months
Last UpdatedOct 13, 2026
Details

Featured rate card; no term stated in source content

Rate History
No change since Oct 13, 2026 · 5.24% APR
4.74%5.24%5.74%Oct 13, 2026: 5.24% APROct 13, 2026Oct 13, 2026
Ironworkers USA Federal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 20.11%
Used Vehicles Loan
5.24%
36-84 months
▼
APR5.24%
Term36-84 months
Last UpdatedOct 13, 2026
Details

Published APR range: 5.24 - 18%. Rates are based on credit history, credit qualifications, and loan term

Rate History
No change since Sep 14, 2026 · 5.24% APR · checked 9 times
4.74%5.24%5.74%Sep 14, 2026: 5.24% APRSep 14, 2026Oct 13, 2026
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.12%
Auto Loans (Cars, trucks & vans) - 2023 & Newer
5.24%
72 months
▼
APR5.24%
Term72 months
Last UpdatedOct 13, 2026
Details

Published APR range: 5.24% - 9.89%. Vehicle model year: 2023 & Newer; Fixed APR; APR range as printed

Rate History
No change since Oct 13, 2026 · 5.24% APR
4.74%5.24%5.74%Oct 13, 2026: 5.24% APROct 13, 2026Oct 13, 2026
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.12%
Business Auto Loans - New auto (2023 and newer)
5.24%
72 months
▼
APR5.24%
Term72 months
Last UpdatedOct 13, 2026
Details

Published APR range: 5.24% - 9.89%.

Rate History
No change since Oct 13, 2026 · 5.24% APR
4.74%5.24%5.74%Oct 13, 2026: 5.24% APROct 13, 2026Oct 13, 2026
Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.01%
New Autos (2025 or Newer)
5.24%
37-60 months
▼
APR5.24%
Term37-60 months
Last UpdatedOct 13, 2026
Details

Min. Loan Amount: $5,000; APR range: 5.24% - 15.79%; Auto loan rates based on credit history and credit qualifications

Rate History
No change since Sep 18, 2026 · 5.24% APR · checked 5 times
4.74%5.24%5.74%Sep 18, 2026: 5.24% APRSep 18, 2026Oct 13, 2026
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
New Vehicles: Model Year 2025 or newer Loan
5.24%
60 months
▼
APR5.24%
Term60 months
Last UpdatedOct 10, 2026
Details

Published APR range: 5.24% - 13.74%.

Rate History
No change since Sep 14, 2026 · 5.24% APR · checked 6 times
4.74%5.24%5.74%Sep 14, 2026: 5.24% APRSep 14, 2026Oct 13, 2026
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
Used Electric, Plug-in Hybrid, or Hybrid Vehicles: Model Year 2024 or older Loan
5.24%
72 months
▼
APR5.24%
Term72 months
Last UpdatedOct 10, 2026
Details

Published APR range: 5.24 - 14.49%.

Rate History
No change since Sep 14, 2026 · 5.24% APR · checked 6 times
4.74%5.24%5.74%Sep 14, 2026: 5.24% APRSep 14, 2026Oct 13, 2026
Connection Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
New Auto
5.24%
Up to 60 months
▼
APR5.24%
TermUp to 60 months
Last UpdatedOct 1, 2026
Details

Published APR range: 5.24% to 17.15%.

Rate History
No change since Sep 14, 2026 · 5.24% APR · checked 5 times
4.74%5.24%5.74%Sep 14, 2026: 5.24% APRSep 14, 2026Oct 13, 2026
Sno Falls Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
Used Auto
5.24%
up to 72 months
▼
APR5.24%
Termup to 72 months
Last UpdatedOct 10, 2026
Details

Published APR range: 5.24% - 15.24%.

Rate History
No change since Sep 14, 2026 · 5.24% APR · checked 6 times
4.74%5.24%5.74%Sep 14, 2026: 5.24% APRSep 14, 2026Oct 13, 2026
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.71%
New Low-Speed Vehicle Loan
5.24%
60 months or less
▼
APR5.24%
Term60 months or less
Last UpdatedOct 10, 2026
Details

Rate History
No change since Sep 14, 2026 · 5.24% APR · checked 6 times
4.74%5.24%5.74%Sep 14, 2026: 5.24% APRSep 14, 2026Oct 13, 2026
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.53%
New Auto Loan (vehicle year 2025 - 2026)
5.25%
Up to 5 years
▼
APR5.25%
TermUp to 5 years
Last UpdatedOct 12, 2026
Details

As Low As; Vehicle year 2025 - 2026; Maximum Term in Years: 5; best rates based on approved credit, reflects maximum relationship discount of 1.00%

Rate History
1 change since Oct 8, 2026 · 5.75% → 5.25% ▼ 0.50 pts · high 5.75% / low 5.25%
4.75%5.50%6.25%Oct 8, 2026: 5.75% APROct 12, 2026: 5.25% APROct 8, 2026Oct 13, 2026
  • Oct 12, 20265.25%▼ from 5.75%
  • Oct 8, 20265.75%first recorded
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.53%
Used Auto Loan (vehicle year 2022 - 2026)
5.25%
3 years
▼
APR5.25%
Term3 years
Last UpdatedOct 12, 2026
Details

As Low As; APR as low as; best rates based on approved credit, maximum relationship discount of 1.00%

Rate History
1 change since Oct 8, 2026 · 4.75% → 5.25% ▲ 0.50 pts · high 5.25% / low 4.75%
4.25%5.00%5.75%Oct 8, 2026: 4.75% APROct 12, 2026: 5.25% APROct 8, 2026Oct 13, 2026
  • Oct 12, 20265.25%▲ from 4.75%
  • Oct 8, 20264.75%first recorded
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.53%
Used Auto Loan (vehicle year 2022 - 2026)
5.25%
4 years
▼
APR5.25%
Term4 years
Last UpdatedOct 12, 2026
Details

As Low As; APR as low as; best rates based on approved credit, maximum relationship discount of 1.00%

Rate History
1 change since Oct 8, 2026 · 4.75% → 5.25% ▲ 0.50 pts · high 5.25% / low 4.75%
4.25%5.00%5.75%Oct 8, 2026: 4.75% APROct 12, 2026: 5.25% APROct 8, 2026Oct 13, 2026
  • Oct 12, 20265.25%▲ from 4.75%
  • Oct 8, 20264.75%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Used Auto Loan
5.29%
37-60 Months
▼
APR5.29%
Term37-60 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 5.29% APR · checked 4 times
4.79%5.29%5.79%Sep 30, 2026: 5.29% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Used Vehicle Loan
5.29%
37-60 months
▼
APR5.29%
Term37-60 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 5.29% APR · checked 4 times
4.79%5.29%5.79%Sep 30, 2026: 5.29% APRSep 30, 2026Oct 13, 2026
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
Used Vehicles Model Year 2020-2024 Loan
5.29%
60 months
▼
APR5.29%
Interest Rate5.29%
Term60 months
Last UpdatedOct 13, 2026
Details

Rate History
No change since Sep 17, 2026 · 5.29% APR · checked 8 times
4.79%5.29%5.79%Sep 17, 2026: 5.29% APRSep 17, 2026Oct 13, 2026
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
Used Vehicles Model Year 2020-2024 Loan
5.29%
72 months
▼
APR5.29%
Interest Rate5.29%
Term72 months
Last UpdatedOct 13, 2026
Details

Minimum loan $20,000

Rate History
No change since Sep 17, 2026 · 5.29% APR · checked 8 times
4.79%5.29%5.79%Sep 17, 2026: 5.29% APRSep 17, 2026Oct 13, 2026
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.40%
NEW AUTO - Max
5.30%
up to 60 months
▼
APR5.30%
Termup to 60 months
Last UpdatedOct 9, 2026
Details

$100,000; Published APR range: 5.30 - 13.60%.

Rate History
No change since Sep 14, 2026 · 5.30% APR · checked 5 times
4.80%5.30%5.80%Sep 14, 2026: 5.30% APRSep 14, 2026Oct 13, 2026
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.40%
New Auto Loan
5.30%
60 months
▼
APR5.30%
Term60 months
Last UpdatedOct 9, 2026
Details

Example payment calculation; Loan rates

Rate History
No change since Oct 9, 2026 · 5.30% APR
4.80%5.30%5.80%Oct 9, 2026: 5.30% APROct 9, 2026Oct 13, 2026
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
New Auto
5.34%
Up to 60 months
▼
APR5.34%
TermUp to 60 months
Last UpdatedOct 12, 2026
Details

Published APR range: 5.34% - 18.00%. Collateral year: 2023 & Newer; APR based on repayment period, collateral year, rate discounts and credit qualifications

Rate History
No change since Sep 14, 2026 · 5.34% APR · checked 7 times
4.84%5.34%5.84%Sep 14, 2026: 5.34% APRSep 14, 2026Oct 13, 2026
Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.01%
New Autos (2025 or Newer)
5.34%
61-66 months
▼
APR5.34%
Term61-66 months
Last UpdatedOct 13, 2026
Details

Min. Loan Amount: $6,000; APR range: 5.34% - 15.89%; Auto loan rates based on credit history and credit qualifications

Rate History
No change since Sep 18, 2026 · 5.34% APR · checked 5 times
4.84%5.34%5.84%Sep 18, 2026: 5.34% APRSep 18, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Used Auto Loan
5.39%
61-72 Months
▼
APR5.39%
Term61-72 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 5.39% APR · checked 4 times
4.89%5.39%5.89%Sep 30, 2026: 5.39% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Used Vehicle Loan
5.39%
61-72 months
▼
APR5.39%
Term61-72 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 5.39% APR · checked 4 times
4.89%5.39%5.89%Sep 30, 2026: 5.39% APRSep 30, 2026Oct 13, 2026
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.12%
2016-2019 Used Auto Loans (Cars, trucks & vans)
5.39%
72 months
▼
APR5.39%
Term72 months
Last UpdatedOct 13, 2026
Details

Model year: 2016-2019; APR range: 5.39% - 10.19% (fixed); Estimated minimum

Rate History
No change since Sep 18, 2026 · 5.39% APR · checked 4 times
4.89%5.39%5.89%Sep 18, 2026: 5.39% APRSep 18, 2026Oct 13, 2026
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.12%
2020-2022 Used Auto Loans (Cars, trucks & vans)
5.39%
72 months
▼
APR5.39%
Term72 months
Last UpdatedOct 13, 2026
Details

APR range 5.39% - 10.19% (fixed); Estimated minimum

Rate History
No change since Sep 14, 2026 · 5.39% APR · checked 3 times
4.89%5.39%5.89%Sep 14, 2026: 5.39% APRSep 14, 2026Oct 13, 2026
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.12%
Business Auto Loans - Used auto (2016-2022)
5.39%
72 months
▼
APR5.39%
Term72 months
Last UpdatedOct 13, 2026
Details

Published APR range: 5.39% - 10.19%. 72-month term for model years 2016-2019 requires a minimum $12,000 loan amount

Rate History
No change since Oct 13, 2026 · 5.39% APR
4.89%5.39%5.89%Oct 13, 2026: 5.39% APROct 13, 2026Oct 13, 2026
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.40%
USED AUTO - Max
5.40%
up to 60 months
▼
APR5.40%
Termup to 60 months
Last UpdatedOct 9, 2026
Details

$100,000; Published APR range: 5.40 - 14.14%.

Rate History
No change since Sep 14, 2026 · 5.40% APR · checked 5 times
4.90%5.40%5.90%Sep 14, 2026: 5.40% APRSep 14, 2026Oct 13, 2026
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.40%
NEW AUTO - Max
5.43%
61 - 72 months
▼
APR5.43%
Term61 - 72 months
Last UpdatedOct 9, 2026
Details

$100,000; Published APR range: 5.43 - 13.73%.

Rate History
No change since Sep 14, 2026 · 5.43% APR · checked 5 times
4.93%5.43%5.93%Sep 14, 2026: 5.43% APRSep 14, 2026Oct 13, 2026
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
New Auto
5.44%
61 - 72 months
▼
APR5.44%
Term61 - 72 months
Last UpdatedOct 12, 2026
Details

Published APR range: 5.44% - 18.00%. Collateral year: 2023 & Newer; APR based on repayment period, collateral year, rate discounts and credit qualifications

Rate History
No change since Sep 14, 2026 · 5.44% APR · checked 7 times
4.94%5.44%5.94%Sep 14, 2026: 5.44% APRSep 14, 2026Oct 13, 2026
IQ Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.25%
2022 & Newer Auto Loan
5.44%
up to 60 months
▼
APR5.44%
Termup to 60 months
Last UpdatedOct 9, 2026
Details

Published APR range: 5.44% - 20.44%.

Rate History
No change since Sep 21, 2026 · 5.44% APR · checked 6 times
4.94%5.44%5.94%Sep 21, 2026: 5.44% APRSep 21, 2026Oct 13, 2026
Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.01%
New Autos (2025 or Newer)
5.44%
67-75 months
▼
APR5.44%
Term67-75 months
Last UpdatedOct 13, 2026
Details

Min. Loan Amount: $10,000; APR range: 5.44% - 15.99%; Auto loan rates based on credit history and credit qualifications

Rate History
No change since Sep 18, 2026 · 5.44% APR · checked 5 times
4.94%5.44%5.94%Sep 18, 2026: 5.44% APRSep 18, 2026Oct 13, 2026
PUD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used vehicles, boats, RV's, ATV's 2016-2026 Loan
5.45%
49 months
▼
APR5.45%
Term49 months
Last UpdatedOct 12, 2026
Details

Term: 49 to 60 months (5 years)

Rate History
No change since Sep 18, 2026 · 5.45% APR · checked 4 times
4.95%5.45%5.95%Sep 18, 2026: 5.45% APRSep 18, 2026Oct 13, 2026
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
Auto Loan
5.45%
72 Month
▼
APR5.45%
Term72 Month
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
1 change since Sep 14, 2026 · 5.10% → 5.45% ▲ 0.35 pts · high 5.45% / low 5.10%
4.60%5.28%5.95%Sep 14, 2026: 5.10% APRSep 27, 2026: 5.45% APRSep 14, 2026Oct 13, 2026
  • Sep 27, 20265.45%▲ from 5.10%
  • Sep 14, 20265.10%first recorded
Bank of America
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
New car (dealer) Loan
5.49%
60 months
▼
APR5.49%
Term60 months
Last UpdatedOct 7, 2026
Details

As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.

Rate History
1 change since Sep 18, 2026 · 5.39% → 5.49% ▲ 0.10 pts · high 5.49% / low 5.39%
4.89%5.44%5.99%Sep 18, 2026: 5.39% APRSep 27, 2026: 5.49% APRSep 18, 2026Oct 13, 2026
  • Sep 27, 20265.49%▲ from 5.39%
  • Sep 18, 20265.39%first recorded
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.66%
Autos (2016-2020) - 48 Months
5.49%
48 Months
▼
APR5.49%
Term48 Months
Last UpdatedOct 12, 2026
Details

Financing: 100% High KBB

Rate History
No change since Sep 16, 2026 · 5.49% APR · checked 4 times
4.99%5.49%5.99%Sep 16, 2026: 5.49% APRSep 16, 2026Oct 13, 2026
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.66%
Autos (2021-2026)
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedOct 12, 2026
Details

Financing: 100% MSRP or High KBB

Rate History
No change since Sep 16, 2026 · 5.49% APR · checked 4 times
4.99%5.49%5.99%Sep 16, 2026: 5.49% APRSep 16, 2026Oct 13, 2026
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
Used Auto
5.49%
Up to 60 months
▼
APR5.49%
TermUp to 60 months
Last UpdatedOct 12, 2026
Details

Published APR range: 5.49% - 18.00%. Collateral year: 2017-2022; APR based on repayment period, collateral year, rate discounts and credit qualifications

Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 7 times
4.99%5.49%5.99%Sep 14, 2026: 5.49% APRSep 14, 2026Oct 13, 2026
Cheney Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
New Auto/Truck Loan
5.49%
Up to 72 months
▼
APR5.49%
TermUp to 72 months
Last UpdatedOct 12, 2026
Details

Published APR range: 5.49% to 14.49%. Fixed rate, terms up to 72 months with no more than 12,000 miles.

Rate History
No change since Sep 12, 2026 · 5.49% APR · checked 3 times
4.99%5.49%5.99%Sep 12, 2026: 5.49% APRSep 12, 2026Oct 13, 2026
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.06%
New Auto (2021 and Newer)
5.49%
7 years / 84 months
▼
APR5.49%
Term7 years / 84 months
Last UpdatedOct 12, 2026
Details

As Low As; Terms based on amount financed and model year of collateral; Maximum amount financed up to 110% of NADA average retail including tax and license

Rate History
No change since Sep 20, 2026 · 5.49% APR · checked 4 times
4.99%5.49%5.99%Sep 20, 2026: 5.49% APRSep 20, 2026Oct 13, 2026
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.06%
Used Auto (Models 2017 - 2020)
5.49%
4 years / 48 months
▼
APR5.49%
Term4 years / 48 months
Last UpdatedOct 12, 2026
Details

As Low As; Terms based on amount financed and model year of collateral; Maximum amount financed up to 110% of NADA average retail including tax and license

Rate History
No change since Sep 20, 2026 · 5.49% APR · checked 4 times
4.99%5.49%5.99%Sep 20, 2026: 5.49% APRSep 20, 2026Oct 13, 2026
Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.44%
New Cars Loan
5.49%
up to 73 - 84 months
▼
APR5.49%
Termup to 73 - 84 months
Last UpdatedOct 12, 2026
Details

0% down OAC

Rate History
No change since Sep 12, 2026 · 5.49% APR · checked 8 times
4.99%5.49%5.99%Sep 12, 2026: 5.49% APRSep 12, 2026Oct 13, 2026
Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.44%
Used Cars Loan
5.49%
up to 73 - 84 months
▼
APR5.49%
Termup to 73 - 84 months
Last UpdatedOct 12, 2026
Details

up to 10 years old; 0% down OAC

Rate History
No change since Sep 12, 2026 · 5.49% APR · checked 8 times
4.99%5.49%5.99%Sep 12, 2026: 5.49% APRSep 12, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.69%
Vehicle Loans
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Oct 9, 2026 · 5.49% APR · checked 3 times
4.99%5.49%5.99%Oct 9, 2026: 5.49% APROct 9, 2026Oct 13, 2026
IQ Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.25%
2022 & Newer Auto Loan
5.49%
up to 72 months
▼
APR5.49%
Termup to 72 months
Last UpdatedOct 9, 2026
Details

Published APR range: 5.49% - 20.84%.

Rate History
No change since Sep 21, 2026 · 5.49% APR · checked 6 times
4.99%5.49%5.99%Sep 21, 2026: 5.49% APRSep 21, 2026Oct 13, 2026
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.12%
Auto Loans (Cars, trucks & vans) - 2023 & Newer
5.49%
84 months
▼
APR5.49%
Term84 months
Last UpdatedOct 13, 2026
Details

Published APR range: 5.49% - 10.14%. Vehicle model year: 2023 & Newer; Fixed APR; APR range as printed

Rate History
No change since Oct 13, 2026 · 5.49% APR
4.99%5.49%5.99%Oct 13, 2026: 5.49% APROct 13, 2026Oct 13, 2026
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.12%
Business Auto Loans - New auto (2023 and newer)
5.49%
84 months
▼
APR5.49%
Term84 months
Last UpdatedOct 13, 2026
Details

Published APR range: 5.49% - 10.14%. New and Used Auto 84-month term requires a minimum $15,000 loan amount

Rate History
No change since Oct 13, 2026 · 5.49% APR
4.99%5.49%5.99%Oct 13, 2026: 5.49% APROct 13, 2026Oct 13, 2026
Salal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.83%
Auto Loans - New Vehicles
5.49%
Up to 84 months
▼
APR5.49%
TermUp to 84 months
Last UpdatedOct 13, 2026
Details

Published APR range: 5.49% - 8.74%. New vehicles have never been titled or licensed and used vehicles up to 1 year old; Rates increase without automatic payment; Rates decrease for hybrid and EV loans

Rate History
No change since Oct 13, 2026 · 5.49% APR
4.99%5.49%5.99%Oct 13, 2026: 5.49% APROct 13, 2026Oct 13, 2026
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
New Vehicles: Model Year 2025 or newer Loan
5.49%
72 months
▼
APR5.49%
Term72 months
Last UpdatedOct 10, 2026
Details

Published APR range: 5.49% - 14.74%.

Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 6 times
4.99%5.49%5.99%Sep 14, 2026: 5.49% APRSep 14, 2026Oct 13, 2026
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
Used Vehicles: Model Year 2024 or older Loan
5.49%
60 months
▼
APR5.49%
Term60 months
Last UpdatedOct 10, 2026
Details

Published APR range: 5.49% - 13.99%.

Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 6 times
4.99%5.49%5.99%Sep 14, 2026: 5.49% APRSep 14, 2026Oct 13, 2026
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.71%
New Low-Speed Vehicle Loan
5.49%
61 - 72 months
▼
APR5.49%
Term61 - 72 months
Last UpdatedOct 10, 2026
Details

Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 6 times
4.99%5.49%5.99%Sep 14, 2026: 5.49% APRSep 14, 2026Oct 13, 2026
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.53%
New Auto Loan (vehicle year 2025 - 2026)
5.50%
Up to 6 years
▼
APR5.50%
TermUp to 6 years
Last UpdatedOct 12, 2026
Details

As Low As; Vehicle year 2025 - 2026; Maximum Term in Years: 6; best rates based on approved credit, reflects maximum relationship discount of 1.00%

Rate History
1 change since Oct 8, 2026 · 6.00% → 5.50% ▼ 0.50 pts · high 6.00% / low 5.50%
5.00%5.75%6.50%Oct 8, 2026: 6.00% APROct 12, 2026: 5.50% APROct 8, 2026Oct 13, 2026
  • Oct 12, 20265.50%▼ from 6.00%
  • Oct 8, 20266.00%first recorded
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.53%
Used Auto Loan (vehicle year 2022 - 2026)
5.50%
5 years
▼
APR5.50%
Term5 years
Last UpdatedOct 12, 2026
Details

As Low As; APR as low as; best rates based on approved credit, maximum relationship discount of 1.00%

Rate History
1 change since Oct 8, 2026 · 5.00% → 5.50% ▲ 0.50 pts · high 5.50% / low 5.00%
4.50%5.25%6.00%Oct 8, 2026: 5.00% APROct 12, 2026: 5.50% APROct 8, 2026Oct 13, 2026
  • Oct 12, 20265.50%▲ from 5.00%
  • Oct 8, 20265.00%first recorded
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
New Vehicles (2023 - 2026) Auto Loan
5.50%
49 months
▼
APR5.50%
Term49 months
Last UpdatedOct 13, 2026
Details

Term: 49 - 60 months months; Published APR range: 5.50% - 17.99%. APR Range*; Up to 125% LTV; Mileage maximum: 150,000; Rates effective as of 6/30/2026

Rate History
No change since Oct 13, 2026 · 5.50% APR
5.00%5.50%6.00%Oct 13, 2026: 5.50% APROct 13, 2026Oct 13, 2026
Sound Community Bank
Institution Rating:
A5.0 ★ Texas Ratio: 6.90%
Auto Loans
5.54%
36 months
▼
APR5.54%
Term36 months
Last UpdatedOct 7, 2026
Details

As Low As

Rate History
1 change since Sep 15, 2026 · 5.04% → 5.54% ▲ 0.50 pts · high 5.54% / low 5.04%
4.54%5.29%6.04%Sep 15, 2026: 5.04% APROct 7, 2026: 5.54% APRSep 15, 2026Oct 13, 2026
  • Oct 7, 20265.54%▲ from 5.04%
  • Sep 15, 20265.04%first recorded
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.40%
USED AUTO - Max
5.54%
61 - 72 months
▼
APR5.54%
Term61 - 72 months
Last UpdatedOct 9, 2026
Details

$100,000; Published APR range: 5.54 - 14.27%.

Rate History
No change since Sep 14, 2026 · 5.54% APR · checked 5 times
5.04%5.54%6.04%Sep 14, 2026: 5.54% APRSep 14, 2026Oct 13, 2026
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
Used Auto
5.59%
61 - 72 months
▼
APR5.59%
Term61 - 72 months
Last UpdatedOct 12, 2026
Details

Published APR range: 5.59% - 18.00%. Collateral year: 2017-2022; APR based on repayment period, collateral year, rate discounts and credit qualifications

Rate History
No change since Sep 14, 2026 · 5.59% APR · checked 7 times
5.09%5.59%6.09%Sep 14, 2026: 5.59% APRSep 14, 2026Oct 13, 2026
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
Used Vehicles Model Year 2020-2024 Loan
5.59%
84 months
▼
APR5.59%
Interest Rate5.59%
Term84 months
Last UpdatedOct 13, 2026
Details

Minimum loan $25,000

Rate History
No change since Sep 17, 2026 · 5.59% APR · checked 8 times
5.09%5.59%6.09%Sep 17, 2026: 5.59% APRSep 17, 2026Oct 13, 2026
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
Used Vehicles (2017 - 2022) Auto Loan
5.60%
37 - 48 months
▼
APR5.60%
Term37 - 48 months
Last UpdatedOct 13, 2026
Details

Published APR range: 5.60% - 17.99%. Up to 100% LTV; Mileage maximum: 150,000

Rate History
No change since Oct 13, 2026 · 5.60% APR
5.10%5.60%6.10%Oct 13, 2026: 5.60% APROct 13, 2026Oct 13, 2026
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
New Auto
5.64%
73 - 84 months
▼
APR5.64%
Term73 - 84 months
Last UpdatedOct 12, 2026
Details

Published APR range: 5.64% - 18.00%. Collateral year: 2023 & Newer; APR based on repayment period, collateral year, rate discounts and credit qualifications

Rate History
No change since Sep 14, 2026 · 5.64% APR · checked 7 times
5.14%5.64%6.14%Sep 14, 2026: 5.64% APRSep 14, 2026Oct 13, 2026
Peninsula Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.60%
Autos & Trucks
5.65%
60 months
▼
APR5.65%
Term60 months
Last UpdatedOct 12, 2026
Details

Max mileage 150k / 200k Diesel

Rate History
No change since Oct 8, 2026 · 5.65% APR · checked 2 times
5.15%5.65%6.15%Oct 8, 2026: 5.65% APROct 8, 2026Oct 13, 2026
Bank of America
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
Used car (dealer) Loan
5.69%
60 months
▼
APR5.69%
Term60 months
Last UpdatedOct 7, 2026
Details

As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.

Rate History
1 change since Sep 18, 2026 · 5.59% → 5.69% ▲ 0.10 pts · high 5.69% / low 5.59%
5.09%5.64%6.19%Sep 18, 2026: 5.59% APRSep 27, 2026: 5.69% APRSep 18, 2026Oct 13, 2026
  • Sep 27, 20265.69%▲ from 5.59%
  • Sep 18, 20265.59%first recorded
Great Northwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
Auto Loans - New or Used
5.69%
Up to 84 Months
▼
APR5.69%
TermUp to 84 Months
Last UpdatedOct 13, 2026
Details

Published APR range: 5.69% - 17.99%. Interest rate will decrease by .25% if enrolled with credit union automatic payments; Interest rate increases by 1.0% if the vehicle is more than 10 model years old; Interest rate increases by 1.0% if the vehicle has mileage of 125,000 or more

Rate History
No change since Oct 13, 2026 · 5.69% APR
5.19%5.69%6.19%Oct 13, 2026: 5.69% APROct 13, 2026Oct 13, 2026
Idaho Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
Auto Loan
5.69%
48 months
▼
APR5.69%
Interest Rate5.69%
Term48 months
Last UpdatedOct 13, 2026
Details

As Low As; Terms: See Terms; Apply Now

Rate History
1 change since Sep 18, 2026 · 5.54% → 5.69% ▲ 0.15 pts · high 5.69% / low 5.54%
5.04%5.62%6.19%Sep 18, 2026: 5.54% APROct 9, 2026: 5.69% APRSep 18, 2026Oct 13, 2026
  • Oct 9, 20265.69%▲ from 5.54%
  • Sep 18, 20265.54%first recorded
Idaho Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
Auto Loan - 48 months
5.69%
48 months
▼
APR5.69%
Interest Rate5.69%
Term48 months
Last UpdatedOct 13, 2026
Details

As Low As; Interest Rate As Low As column; see Terms

Rate History
1 change since Sep 14, 2026 · 5.54% → 5.69% ▲ 0.15 pts · high 5.69% / low 5.54%
5.04%5.62%6.19%Sep 14, 2026: 5.54% APROct 13, 2026: 5.69% APRSep 14, 2026Oct 13, 2026
  • Oct 13, 20265.69%▲ from 5.54%
  • Sep 14, 20265.54%first recorded
Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.01%
New Autos (2025 or Newer)
5.69%
76-84 months
▼
APR5.69%
Term76-84 months
Last UpdatedOct 13, 2026
Details

Min. Loan Amount: $15,000; APR range: 5.69% - 16.09%; Auto loan rates based on credit history and credit qualifications

Rate History
1 change since Sep 18, 2026 · 5.49% → 5.69% ▲ 0.20 pts · high 5.69% / low 5.49%
4.99%5.59%6.19%Sep 18, 2026: 5.49% APRSep 26, 2026: 5.69% APRSep 18, 2026Oct 13, 2026
  • Sep 26, 20265.69%▲ from 5.49%
  • Sep 18, 20265.49%first recorded
PUD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used vehicles, boats, RV's, ATV's 2016-2026 Loan
5.70%
61 months
▼
APR5.70%
Term61 months
Last UpdatedOct 12, 2026
Details

Term: 61 to 72 months (6 years)

Rate History
No change since Sep 18, 2026 · 5.70% APR · checked 4 times
5.20%5.70%6.20%Sep 18, 2026: 5.70% APRSep 18, 2026Oct 13, 2026
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.66%
Autos (2016-2020) - 60 Months
5.74%
60 Months
▼
APR5.74%
Term60 Months
Last UpdatedOct 12, 2026
Details

Financing: 100% High KBB

Rate History
No change since Sep 16, 2026 · 5.74% APR · checked 4 times
5.24%5.74%6.24%Sep 16, 2026: 5.74% APRSep 16, 2026Oct 13, 2026
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.66%
Autos (2021-2026)
5.74%
72 Months
▼
APR5.74%
Term72 Months
Last UpdatedOct 12, 2026
Details

Financing: 100% MSRP or High KBB

Rate History
No change since Sep 16, 2026 · 5.74% APR · checked 4 times
5.24%5.74%6.24%Sep 16, 2026: 5.74% APRSep 16, 2026Oct 13, 2026
Cheney Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
Used Auto/Truck Loan
5.74%
Up to 72 months
▼
APR5.74%
TermUp to 72 months
Last UpdatedOct 12, 2026
Details

Published APR range: 5.74% to 14.74%. Fixed rate, terms up to 72 months on vehicles up to 10 years old.

Rate History
No change since Sep 12, 2026 · 5.74% APR · checked 3 times
5.24%5.74%6.24%Sep 12, 2026: 5.74% APRSep 12, 2026Oct 13, 2026
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.06%
Used Auto (Models 2017 - 2020)
5.74%
5 years / 60 months
▼
APR5.74%
Term5 years / 60 months
Last UpdatedOct 12, 2026
Details

As Low As; Terms based on amount financed and model year of collateral; Maximum amount financed up to 110% of NADA average retail including tax and license

Rate History
No change since Sep 20, 2026 · 5.74% APR · checked 4 times
5.24%5.74%6.24%Sep 20, 2026: 5.74% APRSep 20, 2026Oct 13, 2026
Salal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.83%
Auto Loans - Used Vehicles
5.74%
Up to 84 months
▼
APR5.74%
TermUp to 84 months
Last UpdatedOct 13, 2026
Details

Published APR range: 5.74% - 8.99%. Used vehicles that have been titled or licensed and are 2 years old and older; Rates increase without automatic payment; Rates decrease for hybrid and EV loans

Rate History
No change since Oct 13, 2026 · 5.74% APR
5.24%5.74%6.24%Oct 13, 2026: 5.74% APROct 13, 2026Oct 13, 2026
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
Used Vehicles: Model Year 2024 or older Loan
5.74%
72 months
▼
APR5.74%
Term72 months
Last UpdatedOct 10, 2026
Details

Published APR range: 5.74% - 14.99%.

Rate History
No change since Sep 14, 2026 · 5.74% APR · checked 6 times
5.24%5.74%6.24%Sep 14, 2026: 5.74% APRSep 14, 2026Oct 13, 2026
Express Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.52%
New Auto Loan (2024 & Newer) - Includes EV loans
5.74%
5 year
▼
APR5.74%
Term5 year
Last UpdatedOct 10, 2026
Details

Published APR range: 5.74% - 16.99%. Estimated Monthly Payment Examples: $288.18 a month based on 5 year term, $15,000 loan at 5.74% APR. Personal and auto loan rates include a .25% discount for auto-pay.

Rate History
No change since Sep 14, 2026 · 5.74% APR · checked 4 times
5.24%5.74%6.24%Sep 14, 2026: 5.74% APRSep 14, 2026Oct 13, 2026
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.53%
New Auto Loan (vehicle year 2025 - 2026)
5.75%
Up to 7 years
▼
APR5.75%
TermUp to 7 years
Last UpdatedOct 12, 2026
Details

As Low As; Vehicle year 2025 - 2026; Maximum Term in Years: 7; best rates based on approved credit, reflects maximum relationship discount of 1.00%

Rate History
1 change since Oct 8, 2026 · 6.25% → 5.75% ▼ 0.50 pts · high 6.25% / low 5.75%
5.25%6.00%6.75%Oct 8, 2026: 6.25% APROct 12, 2026: 5.75% APROct 8, 2026Oct 13, 2026
  • Oct 12, 20265.75%▼ from 6.25%
  • Oct 8, 20266.25%first recorded
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.53%
Used Auto Loan (vehicle year 2022 - 2026)
5.75%
6 years
▼
APR5.75%
Term6 years
Last UpdatedOct 12, 2026
Details

As Low As; APR as low as; best rates based on approved credit, maximum relationship discount of 1.00%

Rate History
1 change since Oct 8, 2026 · 5.25% → 5.75% ▲ 0.50 pts · high 5.75% / low 5.25%
4.75%5.50%6.25%Oct 8, 2026: 5.25% APROct 12, 2026: 5.75% APROct 8, 2026Oct 13, 2026
  • Oct 12, 20265.75%▲ from 5.25%
  • Oct 8, 20265.25%first recorded
Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.59%
New & Used Auto Loan
5.75%
24 - 48 months
▼
APR5.75%
Interest Rate5.75%
Term24 - 48 months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 5.75% APR · checked 6 times
5.25%5.75%6.25%Sep 14, 2026: 5.75% APRSep 14, 2026Oct 13, 2026
Connection Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
New Auto
5.75%
61-72 months
▼
APR5.75%
Term61-72 months
Last UpdatedOct 1, 2026
Details

Published APR range: 5.75% to 17.65%.

Rate History
No change since Oct 1, 2026 · 5.75% APR
5.25%5.75%6.25%Oct 1, 2026: 5.75% APROct 1, 2026Oct 13, 2026
Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★ Texas Ratio: 2.23%
New & Used Auto Loans
5.77%
37 - 48 Months
▼
APR5.77%
Term37 - 48 Months
Last UpdatedOct 12, 2026
Details

Published APR range: 5.77% - 13.77%. Estimated payment: $468 a month for 48 months, $20,000 loan at 5.77%

Rate History
No change since Sep 14, 2026 · 5.77% APR · checked 5 times
5.27%5.77%6.27%Sep 14, 2026: 5.77% APRSep 14, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Business Vehicle Loan
5.79%
37-60 months
▼
APR5.79%
Term37-60 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 30, 2026 · 5.79% APR · checked 4 times
5.29%5.79%6.29%Sep 30, 2026: 5.79% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Business Vehicle Loan
5.79%
61-72 months
▼
APR5.79%
Term61-72 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 30, 2026 · 5.79% APR · checked 4 times
5.29%5.79%6.29%Sep 30, 2026: 5.79% APRSep 30, 2026Oct 13, 2026
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
Used Auto
5.79%
73 - 84 months
▼
APR5.79%
Term73 - 84 months
Last UpdatedOct 12, 2026
Details

Published APR range: 5.79% - 18.00%. Collateral year: 2017-2022; APR based on repayment period, collateral year, rate discounts and credit qualifications

Rate History
No change since Sep 14, 2026 · 5.79% APR · checked 7 times
5.29%5.79%6.29%Sep 14, 2026: 5.79% APRSep 14, 2026Oct 13, 2026
IQ Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.25%
2018-2021 Auto Loan
5.79%
up to 60 months
▼
APR5.79%
Termup to 60 months
Last UpdatedOct 9, 2026
Details

Published APR range: 5.79% - 20.74%.

Rate History
No change since Sep 21, 2026 · 5.79% APR · checked 6 times
5.29%5.79%6.29%Sep 21, 2026: 5.79% APRSep 21, 2026Oct 13, 2026
Sound Community Bank
Institution Rating:
A5.0 ★ Texas Ratio: 6.90%
Auto Loans
5.80%
48 months
▼
APR5.80%
Term48 months
Last UpdatedOct 7, 2026
Details

As Low As

Rate History
1 change since Sep 15, 2026 · 5.30% → 5.80% ▲ 0.50 pts · high 5.80% / low 5.30%
4.80%5.55%6.30%Sep 15, 2026: 5.30% APROct 7, 2026: 5.80% APRSep 15, 2026Oct 13, 2026
  • Oct 7, 20265.80%▲ from 5.30%
  • Sep 15, 20265.30%first recorded
Peninsula Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.60%
Autos & Trucks
5.80%
72 months
▼
APR5.80%
Term72 months
Last UpdatedOct 12, 2026
Details

Max mileage 150k / 200k Diesel

Rate History
No change since Oct 8, 2026 · 5.80% APR · checked 2 times
5.30%5.80%6.30%Oct 8, 2026: 5.80% APROct 8, 2026Oct 13, 2026
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.12%
2020-2022 Used Auto Loans (Cars, trucks & vans)
5.84%
84 months
▼
APR5.84%
Term84 months
Last UpdatedOct 13, 2026
Details

APR range 5.84% - 11.49% (fixed); Estimated minimum

Rate History
No change since Sep 14, 2026 · 5.84% APR · checked 3 times
5.34%5.84%6.34%Sep 14, 2026: 5.84% APRSep 14, 2026Oct 13, 2026
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.12%
Business Auto Loans - Used auto (2016-2022)
5.84%
84 months
▼
APR5.84%
Term84 months
Last UpdatedOct 13, 2026
Details

Published APR range: 5.84% - 11.49%. New and Used Auto 84-month term requires a minimum $15,000 loan amount; 84-month term offered on model years 2020-2022 only

Rate History
No change since Oct 13, 2026 · 5.84% APR
5.34%5.84%6.34%Oct 13, 2026: 5.84% APROct 13, 2026Oct 13, 2026
Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★ Texas Ratio: 2.23%
New & Used Auto Loans
5.93%
49 - 60 Months
▼
APR5.93%
Term49 - 60 Months
Last UpdatedOct 12, 2026
Details

Published APR range: 5.93% - 13.93%. Estimated payment: $386 a month for 60 months, $20,000 loan at 5.93%

Rate History
No change since Sep 14, 2026 · 5.93% APR · checked 5 times
5.43%5.93%6.43%Sep 14, 2026: 5.93% APRSep 14, 2026Oct 13, 2026
Idaho Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
Auto Loan
5.94%
60 months
▼
APR5.94%
Interest Rate5.94%
Term60 months
Last UpdatedOct 13, 2026
Details

As Low As; Terms: See Terms; Apply Now

Rate History
1 change since Sep 18, 2026 · 5.79% → 5.94% ▲ 0.15 pts · high 5.94% / low 5.79%
5.29%5.87%6.44%Sep 18, 2026: 5.79% APROct 9, 2026: 5.94% APRSep 18, 2026Oct 13, 2026
  • Oct 9, 20265.94%▲ from 5.79%
  • Sep 18, 20265.79%first recorded
Idaho Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
Auto Loan - 60 months
5.94%
60 months
▼
APR5.94%
Interest Rate5.94%
Term60 months
Last UpdatedOct 13, 2026
Details

As Low As; Interest Rate As Low As column; see Terms

Rate History
1 change since Sep 14, 2026 · 5.79% → 5.94% ▲ 0.15 pts · high 5.94% / low 5.79%
5.29%5.87%6.44%Sep 14, 2026: 5.79% APROct 13, 2026: 5.94% APRSep 14, 2026Oct 13, 2026
  • Oct 13, 20265.94%▲ from 5.79%
  • Sep 14, 20265.79%first recorded
PUD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used vehicles, boats, RV's, ATV's 2016-2026 Loan
5.95%
Up to 84 months
▼
APR5.95%
TermUp to 84 months
Last UpdatedOct 12, 2026
Details

Term: Loans over $35K up to 84 months

Rate History
No change since Oct 12, 2026 · 5.95% APR
5.45%5.95%6.45%Oct 12, 2026: 5.95% APROct 12, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Auto Loan
5.99%
73-84 Months
▼
APR5.99%
Term73-84 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 5.99% APR · checked 4 times
5.49%5.99%6.49%Sep 30, 2026: 5.99% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Vehicle Loan
5.99%
73-84 months
▼
APR5.99%
Term73-84 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 5.99% APR · checked 4 times
5.49%5.99%6.49%Sep 30, 2026: 5.99% APRSep 30, 2026Oct 13, 2026
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.66%
Autos (2016-2020) - 72 Months
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedOct 12, 2026
Details

Financing: 100% High KBB

Rate History
No change since Sep 16, 2026 · 5.99% APR · checked 4 times
5.49%5.99%6.49%Sep 16, 2026: 5.99% APRSep 16, 2026Oct 13, 2026
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.66%
Autos (2021-2026)
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedOct 12, 2026
Details

Financing: 100% MSRP or High KBB

Rate History
No change since Sep 16, 2026 · 5.99% APR · checked 4 times
5.49%5.99%6.49%Sep 16, 2026: 5.99% APRSep 16, 2026Oct 13, 2026
Cheney Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
New Auto/Truck Loan
5.99%
Up to 84 months
▼
APR5.99%
TermUp to 84 months
Last UpdatedOct 12, 2026
Details

Published APR range: 5.99% to 14.99%. Fixed rate, terms up to 84 months with no more than 12,000 miles.

Rate History
No change since Sep 12, 2026 · 5.99% APR · checked 3 times
5.49%5.99%6.49%Sep 12, 2026: 5.99% APRSep 12, 2026Oct 13, 2026
Cheney Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
Used Auto/Truck Loan
5.99%
84 months
▼
APR5.99%
Term84 months
Last UpdatedOct 12, 2026
Details

Published APR range: 5.99% to 14.99%. 84 months available under certain conditions.

Rate History
No change since Sep 12, 2026 · 5.99% APR · checked 3 times
5.49%5.99%6.49%Sep 12, 2026: 5.99% APRSep 12, 2026Oct 13, 2026
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.06%
Used Auto (Models 2017 - 2020)
5.99%
6 years / 72 months
▼
APR5.99%
Term6 years / 72 months
Last UpdatedOct 12, 2026
Details

As Low As; Terms based on amount financed and model year of collateral; Maximum amount financed up to 110% of NADA average retail including tax and license

Rate History
No change since Sep 20, 2026 · 5.99% APR · checked 4 times
5.49%5.99%6.49%Sep 20, 2026: 5.99% APRSep 20, 2026Oct 13, 2026
Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★ Texas Ratio: 2.23%
New & Used Auto Loans
5.99%
61 - 72 Months
▼
APR5.99%
Term61 - 72 Months
Last UpdatedOct 12, 2026
Details

Published APR range: 5.99% - 14.14%. Estimated payment: $331 a month for 72 months, $20,000 loan at 5.99%; Minimum loan amount $10,000

Rate History
No change since Sep 14, 2026 · 5.99% APR · checked 6 times
5.49%5.99%6.49%Sep 14, 2026: 5.99% APRSep 14, 2026Oct 13, 2026
IQ Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.25%
2022 & Newer Auto Loan
5.99%
up to 84 months
▼
APR5.99%
Termup to 84 months
Last UpdatedOct 9, 2026
Details

Published APR range: 5.99% - 21.94%.

Rate History
No change since Sep 21, 2026 · 5.99% APR · checked 6 times
5.49%5.99%6.49%Sep 21, 2026: 5.99% APRSep 21, 2026Oct 13, 2026
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
New Electric, Plug-in Hybrid, or Hybrid Vehicles: Model Year 2025 or newer Loan
5.99%
84 months
▼
APR5.99%
Term84 months
Last UpdatedOct 10, 2026
Details

Published APR range: 5.99 - 8.74%.

Rate History
No change since Sep 14, 2026 · 5.99% APR · checked 6 times
5.49%5.99%6.49%Sep 14, 2026: 5.99% APRSep 14, 2026Oct 13, 2026
Express Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.52%
Used Car Loan (2023-1999) - Includes EV loans
5.99%
5 year
▼
APR5.99%
Term5 year
Last UpdatedOct 10, 2026
Details

Published APR range: 5.99% - 17.74%. Estimated Monthly Payment Examples: $289.92 a month based on 5 year term, $15,000 loan at 5.99% APR. Personal and auto loan rates include a .25% discount for auto-pay.

Rate History
No change since Sep 14, 2026 · 5.99% APR · checked 5 times
5.49%5.99%6.49%Sep 14, 2026: 5.99% APRSep 14, 2026Oct 13, 2026
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.53%
New Auto Loan (vehicle year 2025 - 2026)
6.00%
Up to 3 years
▼
APR6.00%
TermUp to 3 years
Last UpdatedOct 12, 2026
Details

Vehicle year 2025 - 2026; Maximum Term in Years: 3

Rate History
1 change since Oct 8, 2026 · 5.50% → 6.00% ▲ 0.50 pts · high 6.00% / low 5.50%
5.00%5.75%6.50%Oct 8, 2026: 5.50% APROct 12, 2026: 6.00% APROct 8, 2026Oct 13, 2026
  • Oct 12, 20266.00%▲ from 5.50%
  • Oct 8, 20265.50%first recorded
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.53%
New Auto Loan (vehicle year 2025 - 2026)
6.00%
Up to 4 years
▼
APR6.00%
TermUp to 4 years
Last UpdatedOct 12, 2026
Details

Vehicle year 2025 - 2026; Maximum Term in Years: 4

Rate History
1 change since Oct 8, 2026 · 5.50% → 6.00% ▲ 0.50 pts · high 6.00% / low 5.50%
5.00%5.75%6.50%Oct 8, 2026: 5.50% APROct 12, 2026: 6.00% APROct 8, 2026Oct 13, 2026
  • Oct 12, 20266.00%▲ from 5.50%
  • Oct 8, 20265.50%first recorded
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
New Vehicles (2023 - 2026) Auto Loan
6.00%
61 months
▼
APR6.00%
Term61 months
Last UpdatedOct 13, 2026
Details

Term: 61 - 72 months ($15,000 or higher); Published APR range: 6.00% - 17.99%. APR Range*; Up to 125% LTV; Mileage maximum: 150,000; Rates effective as of 6/30/2026

Rate History
No change since Oct 13, 2026 · 6.00% APR
5.50%6.00%6.50%Oct 13, 2026: 6.00% APROct 13, 2026Oct 13, 2026
Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.59%
New & Used Auto Loan
6.00%
60 - 72 months
▼
APR6.00%
Interest Rate6.00%
Term60 - 72 months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 6.00% APR · checked 6 times
5.50%6.00%6.50%Sep 14, 2026: 6.00% APRSep 14, 2026Oct 13, 2026
Sound Community Bank
Institution Rating:
A5.0 ★ Texas Ratio: 6.90%
New Auto: 2024 and Newer
6.04%
36 months
▼
APR6.04%
Term36 months
Last UpdatedOct 7, 2026
Details

As Low As

Rate History
1 change since Sep 15, 2026 · 5.54% → 6.04% ▲ 0.50 pts · high 6.04% / low 5.54%
5.04%5.79%6.54%Sep 15, 2026: 5.54% APROct 7, 2026: 6.04% APRSep 15, 2026Oct 13, 2026
  • Oct 7, 20266.04%▲ from 5.54%
  • Sep 15, 20265.54%first recorded
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
Used Vehicles (2017 - 2022) Auto Loan
6.10%
49 - 60 months
▼
APR6.10%
Term49 - 60 months
Last UpdatedOct 13, 2026
Details

Published APR range: 6.10% - 17.99%. Up to 100% LTV; Mileage maximum: 150,000

Rate History
No change since Oct 13, 2026 · 6.10% APR
5.60%6.10%6.60%Oct 13, 2026: 6.10% APROct 13, 2026Oct 13, 2026
Sound Community Bank
Institution Rating:
A5.0 ★ Texas Ratio: 6.90%
Auto Loans
6.12%
60 months
▼
APR6.12%
Term60 months
Last UpdatedOct 7, 2026
Details

As Low As

Rate History
1 change since Sep 15, 2026 · 5.62% → 6.12% ▲ 0.50 pts · high 6.12% / low 5.62%
5.12%5.87%6.62%Sep 15, 2026: 5.62% APROct 7, 2026: 6.12% APRSep 15, 2026Oct 13, 2026
  • Oct 7, 20266.12%▲ from 5.62%
  • Sep 15, 20265.62%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
New Auto Loan
6.14%
36 months
▼
APR6.14%
Term36 months
Last UpdatedOct 10, 2026
Details

Vehicle Age: 2020+; Loan Amount: No Minimum

Rate History
1 change since Sep 18, 2026 · 5.74% → 6.14% ▲ 0.40 pts · high 6.14% / low 5.74%
5.24%5.94%6.64%Sep 18, 2026: 5.74% APROct 10, 2026: 6.14% APRSep 18, 2026Oct 13, 2026
  • Oct 10, 20266.14%▲ from 5.74%
  • Sep 18, 20265.74%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
New Auto Loan
6.14%
48 months
▼
APR6.14%
Term48 months
Last UpdatedOct 10, 2026
Details

Vehicle Age: 2020+; Loan Amount: No Minimum

Rate History
1 change since Sep 18, 2026 · 5.74% → 6.14% ▲ 0.40 pts · high 6.14% / low 5.74%
5.24%5.94%6.64%Sep 18, 2026: 5.74% APROct 10, 2026: 6.14% APRSep 18, 2026Oct 13, 2026
  • Oct 10, 20266.14%▲ from 5.74%
  • Sep 18, 20265.74%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
New Auto Loan
6.14%
60 months
▼
APR6.14%
Term60 months
Last UpdatedOct 10, 2026
Details

Vehicle Age: 2020+; Loan Amount: No Minimum

Rate History
1 change since Sep 18, 2026 · 5.74% → 6.14% ▲ 0.40 pts · high 6.14% / low 5.74%
5.24%5.94%6.64%Sep 18, 2026: 5.74% APROct 10, 2026: 6.14% APRSep 18, 2026Oct 13, 2026
  • Oct 10, 20266.14%▲ from 5.74%
  • Sep 18, 20265.74%first recorded
IQ Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.25%
2018-2021 Auto Loan
6.19%
up to 72 months
▼
APR6.19%
Termup to 72 months
Last UpdatedOct 9, 2026
Details

Published APR range: 6.19% - 21.14%.

Rate History
No change since Sep 21, 2026 · 6.19% APR · checked 6 times
5.69%6.19%6.69%Sep 21, 2026: 6.19% APRSep 21, 2026Oct 13, 2026
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
New car purchase Loan
6.24%
60 months
▼
APR6.24%
Term60 months
Last UpdatedOct 7, 2026
Details

Rate History
3 changes since Sep 14, 2026 · 5.94% → 6.24% ▲ 0.30 pts · high 6.24% / low 5.94%
5.44%6.09%6.74%Sep 14, 2026: 5.94% APRSep 18, 2026: 6.04% APRSep 27, 2026: 6.14% APROct 2, 2026: 6.24% APRSep 14, 2026Oct 13, 2026
  • Oct 2, 20266.24%▲ from 6.14%
  • Sep 27, 20266.14%▲ from 6.04%
  • Sep 18, 20266.04%▲ from 5.94%
  • Sep 14, 20265.94%first recorded
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
New car rate Loan
6.24%
60 months
▼
APR6.24%
Term60 months
Last UpdatedOct 7, 2026
Details

For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Purchase of a new car would have a 6.24% APR for 60 months, monthly payment of $875.01 for $45,000 financing, down payment of $0

Rate History
3 changes since Sep 14, 2026 · 5.94% → 6.24% ▲ 0.30 pts · high 6.24% / low 5.94%
5.44%6.09%6.74%Sep 14, 2026: 5.94% APRSep 18, 2026: 6.04% APRSep 27, 2026: 6.14% APROct 2, 2026: 6.24% APRSep 14, 2026Oct 13, 2026
  • Oct 2, 20266.24%▲ from 6.14%
  • Sep 27, 20266.14%▲ from 6.04%
  • Sep 18, 20266.04%▲ from 5.94%
  • Sep 14, 20265.94%first recorded
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.66%
Autos (2016-2020) - 84 Months
6.24%
84 Months
▼
APR6.24%
Term84 Months
Last UpdatedOct 12, 2026
Details

Financing: 100% High KBB

Rate History
No change since Sep 16, 2026 · 6.24% APR · checked 4 times
5.74%6.24%6.74%Sep 16, 2026: 6.24% APRSep 16, 2026Oct 13, 2026
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.06%
Used Auto (Models 2017 - 2020)
6.24%
7 years / 84 months
▼
APR6.24%
Term7 years / 84 months
Last UpdatedOct 12, 2026
Details

As Low As; Terms based on amount financed and model year of collateral; Maximum amount financed up to 110% of NADA average retail including tax and license

Rate History
No change since Sep 20, 2026 · 6.24% APR · checked 4 times
5.74%6.24%6.74%Sep 20, 2026: 6.24% APRSep 20, 2026Oct 13, 2026
Idaho Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
Auto Loan
6.24%
72 months
▼
APR6.24%
Interest Rate6.24%
Term72 months
Last UpdatedOct 13, 2026
Details

As Low As; Terms: See Terms; Apply Now

Rate History
1 change since Sep 18, 2026 · 6.09% → 6.24% ▲ 0.15 pts · high 6.24% / low 6.09%
5.59%6.17%6.74%Sep 18, 2026: 6.09% APROct 9, 2026: 6.24% APRSep 18, 2026Oct 13, 2026
  • Oct 9, 20266.24%▲ from 6.09%
  • Sep 18, 20266.09%first recorded
Idaho Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
Auto Loan - 72 months
6.24%
72 months
▼
APR6.24%
Interest Rate6.24%
Term72 months
Last UpdatedOct 13, 2026
Details

As Low As; Interest Rate As Low As column; see Terms

Rate History
1 change since Sep 14, 2026 · 6.09% → 6.24% ▲ 0.15 pts · high 6.24% / low 6.09%
5.59%6.17%6.74%Sep 14, 2026: 6.09% APROct 13, 2026: 6.24% APRSep 14, 2026Oct 13, 2026
  • Oct 13, 20266.24%▲ from 6.09%
  • Sep 14, 20266.09%first recorded
Rivermark Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.96%
Auto Loans: 2022 and Newer
6.24%
Up to 76 Months
▼
APR6.24%
TermUp to 76 Months
Last UpdatedOct 13, 2026
Details

APR (Minimum) 6.24%; APR (Maximum) 16.49%

Rate History
No change since Oct 13, 2026 · 6.24% APR
5.74%6.24%6.74%Oct 13, 2026: 6.24% APROct 13, 2026Oct 13, 2026
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.71%
Used Low-Speed Vehicle Loan
6.24%
60 months or less
▼
APR6.24%
Term60 months or less
Last UpdatedOct 10, 2026
Details

Rate History
No change since Sep 14, 2026 · 6.24% APR · checked 6 times
5.74%6.24%6.74%Sep 14, 2026: 6.24% APRSep 14, 2026Oct 13, 2026
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.53%
New Auto Loan (vehicle year 2025 - 2026)
6.25%
Up to 5 years
▼
APR6.25%
TermUp to 5 years
Last UpdatedOct 12, 2026
Details

Vehicle year 2025 - 2026; Maximum Term in Years: 5

Rate History
1 change since Oct 8, 2026 · 5.75% → 6.25% ▲ 0.50 pts · high 6.25% / low 5.75%
5.25%6.00%6.75%Oct 8, 2026: 5.75% APROct 12, 2026: 6.25% APROct 8, 2026Oct 13, 2026
  • Oct 12, 20266.25%▲ from 5.75%
  • Oct 8, 20265.75%first recorded
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.53%
Used Auto Loan (vehicle year 2022 - 2026)
6.25%
3 years
▼
APR6.25%
Term3 years
Last UpdatedOct 12, 2026
Details

APR* (standard)

Rate History
1 change since Oct 8, 2026 · 4.75% → 6.25% ▲ 1.50 pts · high 6.25% / low 4.75%
3.25%5.50%7.75%Oct 8, 2026: 4.75% APROct 12, 2026: 6.25% APROct 8, 2026Oct 13, 2026
  • Oct 12, 20266.25%▲ from 4.75%
  • Oct 8, 20264.75%first recorded
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.53%
Used Auto Loan (vehicle year 2022 - 2026)
6.25%
4 years
▼
APR6.25%
Term4 years
Last UpdatedOct 12, 2026
Details

APR* (standard)

Rate History
1 change since Oct 8, 2026 · 4.75% → 6.25% ▲ 1.50 pts · high 6.25% / low 4.75%
3.25%5.50%7.75%Oct 8, 2026: 4.75% APROct 12, 2026: 6.25% APROct 8, 2026Oct 13, 2026
  • Oct 12, 20266.25%▲ from 4.75%
  • Oct 8, 20264.75%first recorded
Connection Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
New Auto
6.25%
73-84 months
▼
APR6.25%
Term73-84 months
Last UpdatedOct 1, 2026
Details

Published APR range: 6.25% to 18.15%.

Rate History
No change since Oct 1, 2026 · 6.25% APR
5.75%6.25%6.75%Oct 1, 2026: 6.25% APROct 1, 2026Oct 13, 2026
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
Used car purchase Loan
6.29%
60 months
▼
APR6.29%
Term60 months
Last UpdatedOct 7, 2026
Details

Rate History
3 changes since Sep 14, 2026 · 5.99% → 6.29% ▲ 0.30 pts · high 6.29% / low 5.99%
5.49%6.14%6.79%Sep 14, 2026: 5.99% APRSep 18, 2026: 6.09% APRSep 27, 2026: 6.19% APROct 2, 2026: 6.29% APRSep 14, 2026Oct 13, 2026
  • Oct 2, 20266.29%▲ from 6.19%
  • Sep 27, 20266.19%▲ from 6.09%
  • Sep 18, 20266.09%▲ from 5.99%
  • Sep 14, 20265.99%first recorded
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
Used car rate Loan
6.29%
60 months
▼
APR6.29%
Term60 months
Last UpdatedOct 7, 2026
Details

For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Purchase of a used 2022 year car would have a 6.29% APR for 60 months, monthly payment of $584.04 for $30,000 financing, down payment of $0

Rate History
3 changes since Sep 14, 2026 · 5.99% → 6.29% ▲ 0.30 pts · high 6.29% / low 5.99%
5.49%6.14%6.79%Sep 14, 2026: 5.99% APRSep 18, 2026: 6.09% APRSep 27, 2026: 6.19% APROct 2, 2026: 6.29% APRSep 14, 2026Oct 13, 2026
  • Oct 2, 20266.29%▲ from 6.19%
  • Sep 27, 20266.19%▲ from 6.09%
  • Sep 18, 20266.09%▲ from 5.99%
  • Sep 14, 20265.99%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Used Business Vehicle Loan
6.29%
37-60 months
▼
APR6.29%
Term37-60 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 30, 2026 · 6.29% APR · checked 4 times
5.79%6.29%6.79%Sep 30, 2026: 6.29% APRSep 30, 2026Oct 13, 2026
Sound Community Bank
Institution Rating:
A5.0 ★ Texas Ratio: 6.90%
New Auto: 2024 and Newer
6.30%
48 months
▼
APR6.30%
Term48 months
Last UpdatedOct 7, 2026
Details

As Low As

Rate History
1 change since Sep 15, 2026 · 5.80% → 6.30% ▲ 0.50 pts · high 6.30% / low 5.80%
5.30%6.05%6.80%Sep 15, 2026: 5.80% APROct 7, 2026: 6.30% APRSep 15, 2026Oct 13, 2026
  • Oct 7, 20266.30%▲ from 5.80%
  • Sep 15, 20265.80%first recorded
Connection Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
Used Auto
6.34%
Up to 60 months
▼
APR6.34%
TermUp to 60 months
Last UpdatedOct 1, 2026
Details

Published APR range: 6.34% to 19.99%.

Rate History
No change since Sep 14, 2026 · 6.34% APR · checked 5 times
5.84%6.34%6.84%Sep 14, 2026: 6.34% APRSep 14, 2026Oct 13, 2026

Stehekin New Auto Auto Loan Rates

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Longshoremen's Local 4 FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 0.67%
New vehicle Loan
1.99%
Up to 84 months
▼
APR1.99%
Interest Rate1.99%
TermUp to 84 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 14, 2026 · 1.99% APR · checked 7 times
1.49%1.99%2.49%Sep 14, 2026: 1.99% APRSep 14, 2026Oct 13, 2026
Responders Emergency Services Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
New & Used Automobiles
3.79%
48 months
▼
APR3.79%
Term48 months
Last UpdatedOct 10, 2026
Details

As Low As; 7 years or newer model years.

Rate History
1 change since Sep 14, 2026 · 3.99% → 3.79% ▼ 0.20 pts · high 3.99% / low 3.79%
3.29%3.89%4.49%Sep 14, 2026: 3.99% APROct 10, 2026: 3.79% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.79%▼ from 3.99%
  • Sep 14, 20263.99%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Auto Loan
3.89%
12-36 Months
▼
APR3.89%
Term12-36 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 3.89% APR · checked 4 times
3.39%3.89%4.39%Sep 30, 2026: 3.89% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Vehicle Loan
3.89%
up to 36 months
▼
APR3.89%
Termup to 36 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 3.89% APR · checked 4 times
3.39%3.89%4.39%Sep 30, 2026: 3.89% APRSep 30, 2026Oct 13, 2026
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
New Vehicles Model Year 2025-2026 Loan
3.99%
36 months
▼
APR3.99%
Interest Rate3.99%
Term36 months
Last UpdatedOct 13, 2026
Details

Rate History
No change since Sep 17, 2026 · 3.99% APR · checked 8 times
3.49%3.99%4.49%Sep 17, 2026: 3.99% APRSep 17, 2026Oct 13, 2026
Responders Emergency Services Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
New & Used Automobiles and Street Motorcycles
3.99%
72 months
▼
APR3.99%
Term72 months
Last UpdatedOct 10, 2026
Details

As Low As; 7 model years or newer.

Rate History
No change since Oct 10, 2026 · 3.99% APR
3.49%3.99%4.49%Oct 10, 2026: 3.99% APROct 10, 2026Oct 13, 2026
Spark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
New Auto
4.00%
up to 84 months
▼
APR4.00%
Termup to 84 months
Last UpdatedOct 13, 2026
Details

Published APR range: 4.00% - 18%. Secured loan

Rate History
No change since Sep 14, 2026 · 4.00% APR · checked 8 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APRSep 14, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Business Vehicle Loan
4.09%
Up to 36 months
▼
APR4.09%
TermUp to 36 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 30, 2026 · 4.09% APR · checked 4 times
3.59%4.09%4.59%Sep 30, 2026: 4.09% APRSep 30, 2026Oct 13, 2026
Ironworkers USA Federal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 20.11%
New Auto Loans
4.24%
36-84 months
▼
APR4.24%
Term36-84 months
Last UpdatedOct 13, 2026
Details

Featured rate card; no term stated in source content

Rate History
No change since Oct 13, 2026 · 4.24% APR
3.74%4.24%4.74%Oct 13, 2026: 4.24% APROct 13, 2026Oct 13, 2026
Ironworkers USA Federal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 20.11%
New Vehicles Loan
4.24%
36-84 months
▼
APR4.24%
Term36-84 months
Last UpdatedOct 13, 2026
Details

Published APR range: 4.24 - 18%. Rates are based on credit history, credit qualifications, and loan term

Rate History
No change since Sep 14, 2026 · 4.24% APR · checked 9 times
3.74%4.24%4.74%Sep 14, 2026: 4.24% APRSep 14, 2026Oct 13, 2026
TRI CITIES Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.07%
New & Used Auto
4.24%
up to 84 months
▼
APR4.24%
Termup to 84 months
Last UpdatedOct 10, 2026
Details

Published APR range: 4.24% - 18.00%. Up to 115% Book Value or purchase price, depending on credit quality.

Rate History
No change since Sep 30, 2026 · 4.24% APR · checked 4 times
3.74%4.24%4.74%Sep 30, 2026: 4.24% APRSep 30, 2026Oct 13, 2026
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
New Vehicles (2023 - 2026) Auto Loan
4.25%
0 - 36 months
▼
APR4.25%
Term0 - 36 months
Last UpdatedOct 13, 2026
Details

Published APR range: 4.25% - 16.75%. APR Range*; Up to 125% LTV; Mileage maximum: 150,000; Rates effective as of 6/30/2026

Rate History
No change since Oct 13, 2026 · 4.25% APR
3.75%4.25%4.75%Oct 13, 2026: 4.25% APROct 13, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Auto Loan
4.29%
37-60 Months
▼
APR4.29%
Term37-60 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 4.29% APR · checked 4 times
3.79%4.29%4.79%Sep 30, 2026: 4.29% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Vehicle Loan
4.29%
37-60 months
▼
APR4.29%
Term37-60 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 4.29% APR · checked 4 times
3.79%4.29%4.79%Sep 30, 2026: 4.29% APRSep 30, 2026Oct 13, 2026
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.40%
New Auto Loan
4.30%
60 months
▼
APR4.30%
Term60 months
Last UpdatedOct 9, 2026
Details

As low as; Loan rates

Rate History
No change since Oct 9, 2026 · 4.30% APR
3.80%4.30%4.80%Oct 9, 2026: 4.30% APROct 9, 2026Oct 13, 2026
Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.44%
New Cars Loan
4.49%
up to 72 months
▼
APR4.49%
Termup to 72 months
Last UpdatedOct 12, 2026
Details

0% down OAC

Rate History
No change since Sep 12, 2026 · 4.49% APR · checked 8 times
3.99%4.49%4.99%Sep 12, 2026: 4.49% APRSep 12, 2026Oct 13, 2026
MountainCrest Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.42%
New Auto
4.50%
up to 84 months
▼
APR4.50%
Termup to 84 months
Last UpdatedOct 1, 2026
Details

Term: Up to 84-month term available; Published APR range: 4.50% to 16.75%. 2024 and newer. Loan to value based on MSRP or NADA retail.

Rate History
No change since Sep 18, 2026 · 4.50% APR · checked 4 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APRSep 18, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Auto Loan
4.59%
61-72 Months
▼
APR4.59%
Term61-72 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 4.59% APR · checked 4 times
4.09%4.59%5.09%Sep 30, 2026: 4.59% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Vehicle Loan
4.59%
61-72 months
▼
APR4.59%
Term61-72 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 4.59% APR · checked 4 times
4.09%4.59%5.09%Sep 30, 2026: 4.59% APRSep 30, 2026Oct 13, 2026
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.06%
New Auto (2021 and Newer)
4.74%
4 years / 48 months
▼
APR4.74%
Term4 years / 48 months
Last UpdatedOct 12, 2026
Details

As Low As; Terms based on amount financed and model year of collateral; Maximum amount financed up to 110% of NADA average retail including tax and license

Rate History
No change since Sep 20, 2026 · 4.74% APR · checked 4 times
4.24%4.74%5.24%Sep 20, 2026: 4.74% APRSep 20, 2026Oct 13, 2026
WestEdge Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
EcoVehicle Loans - New and Used
4.74%
Up to 108 months
▼
APR4.74%
TermUp to 108 months
Last UpdatedOct 12, 2026
Details

Published APR range: 4.74% - 17.99%. APR range disclosed; actual APR based on credit history and loan term; Loan Rates effective as of February 18, 2026; Preferred rates and terms on new and used Battery Electric EVs, Plug-In Hybrids, and Gas-Electric Hybrids

Rate History
No change since Oct 12, 2026 · 4.74% APR
4.24%4.74%5.24%Oct 12, 2026: 4.74% APROct 12, 2026Oct 13, 2026
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
New Vehicles Model Year 2025-2026 Loan
4.74%
48 months
▼
APR4.74%
Interest Rate4.74%
Term48 months
Last UpdatedOct 13, 2026
Details

Rate History
No change since Sep 17, 2026 · 4.74% APR · checked 8 times
4.24%4.74%5.24%Sep 17, 2026: 4.74% APRSep 17, 2026Oct 13, 2026
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
New Vehicles Model Year 2025-2026 Loan
4.74%
60 months
▼
APR4.74%
Interest Rate4.74%
Term60 months
Last UpdatedOct 13, 2026
Details

Rate History
No change since Sep 17, 2026 · 4.74% APR · checked 8 times
4.24%4.74%5.24%Sep 17, 2026: 4.74% APRSep 17, 2026Oct 13, 2026
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
New Vehicles Model Year 2025-2026 min loan
4.74%
72 months
▼
APR4.74%
Interest Rate4.74%
Term72 months
Last UpdatedOct 13, 2026
Details

$20,000; Minimum loan $20,000

Rate History
No change since Oct 13, 2026 · 4.74% APR
4.24%4.74%5.24%Oct 13, 2026: 4.74% APROct 13, 2026Oct 13, 2026
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
New Electric, Plug-in Hybrid, or Hybrid Vehicles: Model Year 2025 or newer Loan
4.74%
60 months
▼
APR4.74%
Term60 months
Last UpdatedOct 10, 2026
Details

Published APR range: 4.74 - 13.24%.

Rate History
No change since Sep 14, 2026 · 4.74% APR · checked 6 times
4.24%4.74%5.24%Sep 14, 2026: 4.74% APRSep 14, 2026Oct 13, 2026
Sno Falls Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New Auto
4.74%
up to 84 months
▼
APR4.74%
Termup to 84 months
Last UpdatedOct 10, 2026
Details

Published APR range: 4.74% - 15.49%.

Rate History
No change since Sep 14, 2026 · 4.74% APR · checked 6 times
4.24%4.74%5.24%Sep 14, 2026: 4.74% APRSep 14, 2026Oct 13, 2026
Our Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New or Used Auto
4.74%
up to 84 Months
▼
APR4.74%
Termup to 84 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 4.74% - 13.99%.

Rate History
No change since Sep 14, 2026 · 4.74% APR · checked 6 times
4.24%4.74%5.24%Sep 14, 2026: 4.74% APRSep 14, 2026Oct 13, 2026
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.06%
New Auto (2021 and Newer)
4.99%
5 years / 60 months
▼
APR4.99%
Term5 years / 60 months
Last UpdatedOct 12, 2026
Details

As Low As; Terms based on amount financed and model year of collateral; Maximum amount financed up to 110% of NADA average retail including tax and license

Rate History
No change since Sep 20, 2026 · 4.99% APR · checked 4 times
4.49%4.99%5.49%Sep 20, 2026: 4.99% APRSep 20, 2026Oct 13, 2026
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.12%
Auto Loans (Cars, trucks & vans) - 2023 & Newer
4.99%
36 - 60 months
▼
APR4.99%
Term36 - 60 months
Last UpdatedOct 13, 2026
Details

Published APR range: 4.99% - 9.44%. Vehicle model year: 2023 & Newer; Fixed APR; APR range as printed

Rate History
No change since Oct 13, 2026 · 4.99% APR
4.49%4.99%5.49%Oct 13, 2026: 4.99% APROct 13, 2026Oct 13, 2026
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.12%
Business Auto Loans - New auto (2023 and newer)
4.99%
36-60 months
▼
APR4.99%
Term36-60 months
Last UpdatedOct 13, 2026
Details

Published APR range: 4.99% - 9.44%.

Rate History
No change since Oct 13, 2026 · 4.99% APR
4.49%4.99%5.49%Oct 13, 2026: 4.99% APROct 13, 2026Oct 13, 2026
Red Canoe Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
New Auto
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedOct 10, 2026
Details

As Low As; Payment Example: $10,000 loan at 5.24% for 60 months - $189.81/month

Rate History
No change since Oct 10, 2026 · 4.99% APR
4.49%4.99%5.49%Oct 10, 2026: 4.99% APROct 10, 2026Oct 13, 2026
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
New Electric, Plug-in Hybrid, or Hybrid Vehicles: Model Year 2025 or newer Loan
4.99%
72 months
▼
APR4.99%
Term72 months
Last UpdatedOct 10, 2026
Details

Published APR range: 4.99 - 14.24%.

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 6 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.53%
New Auto Loan (vehicle year 2025 - 2026)
5.00%
Up to 3 years
▼
APR5.00%
TermUp to 3 years
Last UpdatedOct 12, 2026
Details

As Low As; Vehicle year 2025 - 2026; Maximum Term in Years: 3; best rates based on approved credit, reflects maximum relationship discount of 1.00%

Rate History
1 change since Oct 8, 2026 · 5.50% → 5.00% ▼ 0.50 pts · high 5.50% / low 5.00%
4.50%5.25%6.00%Oct 8, 2026: 5.50% APROct 12, 2026: 5.00% APROct 8, 2026Oct 13, 2026
  • Oct 12, 20265.00%▼ from 5.50%
  • Oct 8, 20265.50%first recorded
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.53%
New Auto Loan (vehicle year 2025 - 2026)
5.00%
Up to 4 years
▼
APR5.00%
TermUp to 4 years
Last UpdatedOct 12, 2026
Details

As Low As; Vehicle year 2025 - 2026; Maximum Term in Years: 4; best rates based on approved credit, reflects maximum relationship discount of 1.00%

Rate History
1 change since Oct 8, 2026 · 5.50% → 5.00% ▼ 0.50 pts · high 5.50% / low 5.00%
4.50%5.25%6.00%Oct 8, 2026: 5.50% APROct 12, 2026: 5.00% APROct 8, 2026Oct 13, 2026
  • Oct 12, 20265.00%▼ from 5.50%
  • Oct 8, 20265.50%first recorded
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
New Vehicles (2023 - 2026) Auto Loan
5.00%
37 - 48 months
▼
APR5.00%
Term37 - 48 months
Last UpdatedOct 13, 2026
Details

Published APR range: 5.00% - 17.50%. APR Range*; Up to 125% LTV; Mileage maximum: 150,000; Rates effective as of 6/30/2026

Rate History
No change since Oct 13, 2026 · 5.00% APR
4.50%5.00%5.50%Oct 13, 2026: 5.00% APROct 13, 2026Oct 13, 2026
Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.01%
New Autos (2025 or Newer)
5.04%
Up to 36 months
▼
APR5.04%
TermUp to 36 months
Last UpdatedOct 13, 2026
Details

Min. Loan Amount: $500; APR range: 5.04% - 15.69%; Auto loan rates based on credit history and credit qualifications

Rate History
No change since Sep 18, 2026 · 5.04% APR · checked 5 times
4.54%5.04%5.54%Sep 18, 2026: 5.04% APRSep 18, 2026Oct 13, 2026
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
New Vehicles Model Year 2025-2026 min loan
5.19%
84 months
▼
APR5.19%
Interest Rate5.19%
Term84 months
Last UpdatedOct 13, 2026
Details

$25,000; Minimum loan $25,000

Rate History
No change since Oct 13, 2026 · 5.19% APR
4.69%5.19%5.69%Oct 13, 2026: 5.19% APROct 13, 2026Oct 13, 2026
PUD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used vehicles, boats, RV's, ATV's 2016-2026 Loan
5.20%
Up to 48 months
▼
APR5.20%
TermUp to 48 months
Last UpdatedOct 12, 2026
Details

Term: Up to 48 months (4 years)

Rate History
No change since Sep 18, 2026 · 5.20% APR · checked 4 times
4.70%5.20%5.70%Sep 18, 2026: 5.20% APRSep 18, 2026Oct 13, 2026
Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★ Texas Ratio: 2.23%
New & Used Auto Loans
5.21%
0 - 36 Months
▼
APR5.21%
Term0 - 36 Months
Last UpdatedOct 12, 2026
Details

Published APR range: 5.21% - 13.21%. Estimated payment: $601 a month for 36 months, $20,000 loan at 5.21%

Rate History
No change since Sep 14, 2026 · 5.21% APR · checked 6 times
4.71%5.21%5.71%Sep 14, 2026: 5.21% APRSep 14, 2026Oct 13, 2026
North Coast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
New / Used Vehicles Loan
5.22%
1 to 84 Months
▼
APR5.22%
Term1 to 84 Months
Last UpdatedOct 13, 2026
Details

Published APR range: 5.220% to 17.470%. Rate printed as range 5.220% to 17.470% APR*; rate will vary based on term; Purchase New Vehicles: Up to 125% LTV of NADA, MSRP Value or purchase price whichever is less; Purchase Used Vehicles: Up to 125% LTV of NADA Average Retail value or purchase price whichever is less; Refinance: Up to 100% LTV (cash out) of NADA Avg Retail value; Maximum loan not to exceed 125% LTV of MSRP or NADA value including taxes, license, GAP and extended warranty

Rate History
No change since Sep 14, 2026 · 5.22% APR · checked 6 times
4.72%5.22%5.72%Sep 14, 2026: 5.22% APRSep 14, 2026Oct 13, 2026
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.06%
New Auto (2021 and Newer)
5.24%
6 years / 72 months
▼
APR5.24%
Term6 years / 72 months
Last UpdatedOct 12, 2026
Details

As Low As; Terms based on amount financed and model year of collateral; Maximum amount financed up to 110% of NADA average retail including tax and license

Rate History
No change since Sep 20, 2026 · 5.24% APR · checked 4 times
4.74%5.24%5.74%Sep 20, 2026: 5.24% APRSep 20, 2026Oct 13, 2026
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.12%
Auto Loans (Cars, trucks & vans) - 2023 & Newer
5.24%
72 months
▼
APR5.24%
Term72 months
Last UpdatedOct 13, 2026
Details

Published APR range: 5.24% - 9.89%. Vehicle model year: 2023 & Newer; Fixed APR; APR range as printed

Rate History
No change since Oct 13, 2026 · 5.24% APR
4.74%5.24%5.74%Oct 13, 2026: 5.24% APROct 13, 2026Oct 13, 2026
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.12%
Business Auto Loans - New auto (2023 and newer)
5.24%
72 months
▼
APR5.24%
Term72 months
Last UpdatedOct 13, 2026
Details

Published APR range: 5.24% - 9.89%.

Rate History
No change since Oct 13, 2026 · 5.24% APR
4.74%5.24%5.74%Oct 13, 2026: 5.24% APROct 13, 2026Oct 13, 2026
Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.01%
New Autos (2025 or Newer)
5.24%
37-60 months
▼
APR5.24%
Term37-60 months
Last UpdatedOct 13, 2026
Details

Min. Loan Amount: $5,000; APR range: 5.24% - 15.79%; Auto loan rates based on credit history and credit qualifications

Rate History
No change since Sep 18, 2026 · 5.24% APR · checked 5 times
4.74%5.24%5.74%Sep 18, 2026: 5.24% APRSep 18, 2026Oct 13, 2026
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
New Vehicles: Model Year 2025 or newer Loan
5.24%
60 months
▼
APR5.24%
Term60 months
Last UpdatedOct 10, 2026
Details

Published APR range: 5.24% - 13.74%.

Rate History
No change since Sep 14, 2026 · 5.24% APR · checked 6 times
4.74%5.24%5.74%Sep 14, 2026: 5.24% APRSep 14, 2026Oct 13, 2026
Connection Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
New Auto
5.24%
Up to 60 months
▼
APR5.24%
TermUp to 60 months
Last UpdatedOct 1, 2026
Details

Published APR range: 5.24% to 17.15%.

Rate History
No change since Sep 14, 2026 · 5.24% APR · checked 5 times
4.74%5.24%5.74%Sep 14, 2026: 5.24% APRSep 14, 2026Oct 13, 2026
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.71%
New Low-Speed Vehicle Loan
5.24%
60 months or less
▼
APR5.24%
Term60 months or less
Last UpdatedOct 10, 2026
Details

Rate History
No change since Sep 14, 2026 · 5.24% APR · checked 6 times
4.74%5.24%5.74%Sep 14, 2026: 5.24% APRSep 14, 2026Oct 13, 2026
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.53%
New Auto Loan (vehicle year 2025 - 2026)
5.25%
Up to 5 years
▼
APR5.25%
TermUp to 5 years
Last UpdatedOct 12, 2026
Details

As Low As; Vehicle year 2025 - 2026; Maximum Term in Years: 5; best rates based on approved credit, reflects maximum relationship discount of 1.00%

Rate History
1 change since Oct 8, 2026 · 5.75% → 5.25% ▼ 0.50 pts · high 5.75% / low 5.25%
4.75%5.50%6.25%Oct 8, 2026: 5.75% APROct 12, 2026: 5.25% APROct 8, 2026Oct 13, 2026
  • Oct 12, 20265.25%▼ from 5.75%
  • Oct 8, 20265.75%first recorded
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.40%
NEW AUTO - Max
5.30%
up to 60 months
▼
APR5.30%
Termup to 60 months
Last UpdatedOct 9, 2026
Details

$100,000; Published APR range: 5.30 - 13.60%.

Rate History
No change since Sep 14, 2026 · 5.30% APR · checked 5 times
4.80%5.30%5.80%Sep 14, 2026: 5.30% APRSep 14, 2026Oct 13, 2026
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.40%
New Auto Loan
5.30%
60 months
▼
APR5.30%
Term60 months
Last UpdatedOct 9, 2026
Details

Example payment calculation; Loan rates

Rate History
No change since Oct 9, 2026 · 5.30% APR
4.80%5.30%5.80%Oct 9, 2026: 5.30% APROct 9, 2026Oct 13, 2026
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
New Auto
5.34%
Up to 60 months
▼
APR5.34%
TermUp to 60 months
Last UpdatedOct 12, 2026
Details

Published APR range: 5.34% - 18.00%. Collateral year: 2023 & Newer; APR based on repayment period, collateral year, rate discounts and credit qualifications

Rate History
No change since Sep 14, 2026 · 5.34% APR · checked 7 times
4.84%5.34%5.84%Sep 14, 2026: 5.34% APRSep 14, 2026Oct 13, 2026
Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.01%
New Autos (2025 or Newer)
5.34%
61-66 months
▼
APR5.34%
Term61-66 months
Last UpdatedOct 13, 2026
Details

Min. Loan Amount: $6,000; APR range: 5.34% - 15.89%; Auto loan rates based on credit history and credit qualifications

Rate History
No change since Sep 18, 2026 · 5.34% APR · checked 5 times
4.84%5.34%5.84%Sep 18, 2026: 5.34% APRSep 18, 2026Oct 13, 2026
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.40%
NEW AUTO - Max
5.43%
61 - 72 months
▼
APR5.43%
Term61 - 72 months
Last UpdatedOct 9, 2026
Details

$100,000; Published APR range: 5.43 - 13.73%.

Rate History
No change since Sep 14, 2026 · 5.43% APR · checked 5 times
4.93%5.43%5.93%Sep 14, 2026: 5.43% APRSep 14, 2026Oct 13, 2026
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
New Auto
5.44%
61 - 72 months
▼
APR5.44%
Term61 - 72 months
Last UpdatedOct 12, 2026
Details

Published APR range: 5.44% - 18.00%. Collateral year: 2023 & Newer; APR based on repayment period, collateral year, rate discounts and credit qualifications

Rate History
No change since Sep 14, 2026 · 5.44% APR · checked 7 times
4.94%5.44%5.94%Sep 14, 2026: 5.44% APRSep 14, 2026Oct 13, 2026
IQ Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.25%
2022 & Newer Auto Loan
5.44%
up to 60 months
▼
APR5.44%
Termup to 60 months
Last UpdatedOct 9, 2026
Details

Published APR range: 5.44% - 20.44%.

Rate History
No change since Sep 21, 2026 · 5.44% APR · checked 6 times
4.94%5.44%5.94%Sep 21, 2026: 5.44% APRSep 21, 2026Oct 13, 2026
Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.01%
New Autos (2025 or Newer)
5.44%
67-75 months
▼
APR5.44%
Term67-75 months
Last UpdatedOct 13, 2026
Details

Min. Loan Amount: $10,000; APR range: 5.44% - 15.99%; Auto loan rates based on credit history and credit qualifications

Rate History
No change since Sep 18, 2026 · 5.44% APR · checked 5 times
4.94%5.44%5.94%Sep 18, 2026: 5.44% APRSep 18, 2026Oct 13, 2026
PUD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used vehicles, boats, RV's, ATV's 2016-2026 Loan
5.45%
49 months
▼
APR5.45%
Term49 months
Last UpdatedOct 12, 2026
Details

Term: 49 to 60 months (5 years)

Rate History
No change since Sep 18, 2026 · 5.45% APR · checked 4 times
4.95%5.45%5.95%Sep 18, 2026: 5.45% APRSep 18, 2026Oct 13, 2026
Bank of America
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
New car (dealer) Loan
5.49%
60 months
▼
APR5.49%
Term60 months
Last UpdatedOct 7, 2026
Details

As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.

Rate History
1 change since Sep 18, 2026 · 5.39% → 5.49% ▲ 0.10 pts · high 5.49% / low 5.39%
4.89%5.44%5.99%Sep 18, 2026: 5.39% APRSep 27, 2026: 5.49% APRSep 18, 2026Oct 13, 2026
  • Sep 27, 20265.49%▲ from 5.39%
  • Sep 18, 20265.39%first recorded
Cheney Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
New Auto/Truck Loan
5.49%
Up to 72 months
▼
APR5.49%
TermUp to 72 months
Last UpdatedOct 12, 2026
Details

Published APR range: 5.49% to 14.49%. Fixed rate, terms up to 72 months with no more than 12,000 miles.

Rate History
No change since Sep 12, 2026 · 5.49% APR · checked 3 times
4.99%5.49%5.99%Sep 12, 2026: 5.49% APRSep 12, 2026Oct 13, 2026
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.06%
New Auto (2021 and Newer)
5.49%
7 years / 84 months
▼
APR5.49%
Term7 years / 84 months
Last UpdatedOct 12, 2026
Details

As Low As; Terms based on amount financed and model year of collateral; Maximum amount financed up to 110% of NADA average retail including tax and license

Rate History
No change since Sep 20, 2026 · 5.49% APR · checked 4 times
4.99%5.49%5.99%Sep 20, 2026: 5.49% APRSep 20, 2026Oct 13, 2026
Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.44%
New Cars Loan
5.49%
up to 73 - 84 months
▼
APR5.49%
Termup to 73 - 84 months
Last UpdatedOct 12, 2026
Details

0% down OAC

Rate History
No change since Sep 12, 2026 · 5.49% APR · checked 8 times
4.99%5.49%5.99%Sep 12, 2026: 5.49% APRSep 12, 2026Oct 13, 2026
IQ Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.25%
2022 & Newer Auto Loan
5.49%
up to 72 months
▼
APR5.49%
Termup to 72 months
Last UpdatedOct 9, 2026
Details

Published APR range: 5.49% - 20.84%.

Rate History
No change since Sep 21, 2026 · 5.49% APR · checked 6 times
4.99%5.49%5.99%Sep 21, 2026: 5.49% APRSep 21, 2026Oct 13, 2026
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.12%
Auto Loans (Cars, trucks & vans) - 2023 & Newer
5.49%
84 months
▼
APR5.49%
Term84 months
Last UpdatedOct 13, 2026
Details

Published APR range: 5.49% - 10.14%. Vehicle model year: 2023 & Newer; Fixed APR; APR range as printed

Rate History
No change since Oct 13, 2026 · 5.49% APR
4.99%5.49%5.99%Oct 13, 2026: 5.49% APROct 13, 2026Oct 13, 2026
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.12%
Business Auto Loans - New auto (2023 and newer)
5.49%
84 months
▼
APR5.49%
Term84 months
Last UpdatedOct 13, 2026
Details

Published APR range: 5.49% - 10.14%. New and Used Auto 84-month term requires a minimum $15,000 loan amount

Rate History
No change since Oct 13, 2026 · 5.49% APR
4.99%5.49%5.99%Oct 13, 2026: 5.49% APROct 13, 2026Oct 13, 2026
Salal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.83%
Auto Loans - New Vehicles
5.49%
Up to 84 months
▼
APR5.49%
TermUp to 84 months
Last UpdatedOct 13, 2026
Details

Published APR range: 5.49% - 8.74%. New vehicles have never been titled or licensed and used vehicles up to 1 year old; Rates increase without automatic payment; Rates decrease for hybrid and EV loans

Rate History
No change since Oct 13, 2026 · 5.49% APR
4.99%5.49%5.99%Oct 13, 2026: 5.49% APROct 13, 2026Oct 13, 2026
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
New Vehicles: Model Year 2025 or newer Loan
5.49%
72 months
▼
APR5.49%
Term72 months
Last UpdatedOct 10, 2026
Details

Published APR range: 5.49% - 14.74%.

Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 6 times
4.99%5.49%5.99%Sep 14, 2026: 5.49% APRSep 14, 2026Oct 13, 2026
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.71%
New Low-Speed Vehicle Loan
5.49%
61 - 72 months
▼
APR5.49%
Term61 - 72 months
Last UpdatedOct 10, 2026
Details

Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 6 times
4.99%5.49%5.99%Sep 14, 2026: 5.49% APRSep 14, 2026Oct 13, 2026
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.53%
New Auto Loan (vehicle year 2025 - 2026)
5.50%
Up to 6 years
▼
APR5.50%
TermUp to 6 years
Last UpdatedOct 12, 2026
Details

As Low As; Vehicle year 2025 - 2026; Maximum Term in Years: 6; best rates based on approved credit, reflects maximum relationship discount of 1.00%

Rate History
1 change since Oct 8, 2026 · 6.00% → 5.50% ▼ 0.50 pts · high 6.00% / low 5.50%
5.00%5.75%6.50%Oct 8, 2026: 6.00% APROct 12, 2026: 5.50% APROct 8, 2026Oct 13, 2026
  • Oct 12, 20265.50%▼ from 6.00%
  • Oct 8, 20266.00%first recorded
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
New Vehicles (2023 - 2026) Auto Loan
5.50%
49 months
▼
APR5.50%
Term49 months
Last UpdatedOct 13, 2026
Details

Term: 49 - 60 months months; Published APR range: 5.50% - 17.99%. APR Range*; Up to 125% LTV; Mileage maximum: 150,000; Rates effective as of 6/30/2026

Rate History
No change since Oct 13, 2026 · 5.50% APR
5.00%5.50%6.00%Oct 13, 2026: 5.50% APROct 13, 2026Oct 13, 2026
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
New Auto
5.64%
73 - 84 months
▼
APR5.64%
Term73 - 84 months
Last UpdatedOct 12, 2026
Details

Published APR range: 5.64% - 18.00%. Collateral year: 2023 & Newer; APR based on repayment period, collateral year, rate discounts and credit qualifications

Rate History
No change since Sep 14, 2026 · 5.64% APR · checked 7 times
5.14%5.64%6.14%Sep 14, 2026: 5.64% APRSep 14, 2026Oct 13, 2026
Great Northwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
Auto Loans - New or Used
5.69%
Up to 84 Months
▼
APR5.69%
TermUp to 84 Months
Last UpdatedOct 13, 2026
Details

Published APR range: 5.69% - 17.99%. Interest rate will decrease by .25% if enrolled with credit union automatic payments; Interest rate increases by 1.0% if the vehicle is more than 10 model years old; Interest rate increases by 1.0% if the vehicle has mileage of 125,000 or more

Rate History
No change since Oct 13, 2026 · 5.69% APR
5.19%5.69%6.19%Oct 13, 2026: 5.69% APROct 13, 2026Oct 13, 2026
Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.01%
New Autos (2025 or Newer)
5.69%
76-84 months
▼
APR5.69%
Term76-84 months
Last UpdatedOct 13, 2026
Details

Min. Loan Amount: $15,000; APR range: 5.69% - 16.09%; Auto loan rates based on credit history and credit qualifications

Rate History
1 change since Sep 18, 2026 · 5.49% → 5.69% ▲ 0.20 pts · high 5.69% / low 5.49%
4.99%5.59%6.19%Sep 18, 2026: 5.49% APRSep 26, 2026: 5.69% APRSep 18, 2026Oct 13, 2026
  • Sep 26, 20265.69%▲ from 5.49%
  • Sep 18, 20265.49%first recorded
PUD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used vehicles, boats, RV's, ATV's 2016-2026 Loan
5.70%
61 months
▼
APR5.70%
Term61 months
Last UpdatedOct 12, 2026
Details

Term: 61 to 72 months (6 years)

Rate History
No change since Sep 18, 2026 · 5.70% APR · checked 4 times
5.20%5.70%6.20%Sep 18, 2026: 5.70% APRSep 18, 2026Oct 13, 2026
Express Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.52%
New Auto Loan (2024 & Newer) - Includes EV loans
5.74%
5 year
▼
APR5.74%
Term5 year
Last UpdatedOct 10, 2026
Details

Published APR range: 5.74% - 16.99%. Estimated Monthly Payment Examples: $288.18 a month based on 5 year term, $15,000 loan at 5.74% APR. Personal and auto loan rates include a .25% discount for auto-pay.

Rate History
No change since Sep 14, 2026 · 5.74% APR · checked 4 times
5.24%5.74%6.24%Sep 14, 2026: 5.74% APRSep 14, 2026Oct 13, 2026
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.53%
New Auto Loan (vehicle year 2025 - 2026)
5.75%
Up to 7 years
▼
APR5.75%
TermUp to 7 years
Last UpdatedOct 12, 2026
Details

As Low As; Vehicle year 2025 - 2026; Maximum Term in Years: 7; best rates based on approved credit, reflects maximum relationship discount of 1.00%

Rate History
1 change since Oct 8, 2026 · 6.25% → 5.75% ▼ 0.50 pts · high 6.25% / low 5.75%
5.25%6.00%6.75%Oct 8, 2026: 6.25% APROct 12, 2026: 5.75% APROct 8, 2026Oct 13, 2026
  • Oct 12, 20265.75%▼ from 6.25%
  • Oct 8, 20266.25%first recorded
Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.59%
New & Used Auto Loan
5.75%
24 - 48 months
▼
APR5.75%
Interest Rate5.75%
Term24 - 48 months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 5.75% APR · checked 6 times
5.25%5.75%6.25%Sep 14, 2026: 5.75% APRSep 14, 2026Oct 13, 2026
Connection Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
New Auto
5.75%
61-72 months
▼
APR5.75%
Term61-72 months
Last UpdatedOct 1, 2026
Details

Published APR range: 5.75% to 17.65%.

Rate History
No change since Oct 1, 2026 · 5.75% APR
5.25%5.75%6.25%Oct 1, 2026: 5.75% APROct 1, 2026Oct 13, 2026
Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★ Texas Ratio: 2.23%
New & Used Auto Loans
5.77%
37 - 48 Months
▼
APR5.77%
Term37 - 48 Months
Last UpdatedOct 12, 2026
Details

Published APR range: 5.77% - 13.77%. Estimated payment: $468 a month for 48 months, $20,000 loan at 5.77%

Rate History
No change since Sep 14, 2026 · 5.77% APR · checked 5 times
5.27%5.77%6.27%Sep 14, 2026: 5.77% APRSep 14, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Business Vehicle Loan
5.79%
37-60 months
▼
APR5.79%
Term37-60 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 30, 2026 · 5.79% APR · checked 4 times
5.29%5.79%6.29%Sep 30, 2026: 5.79% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Business Vehicle Loan
5.79%
61-72 months
▼
APR5.79%
Term61-72 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 30, 2026 · 5.79% APR · checked 4 times
5.29%5.79%6.29%Sep 30, 2026: 5.79% APRSep 30, 2026Oct 13, 2026
Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★ Texas Ratio: 2.23%
New & Used Auto Loans
5.93%
49 - 60 Months
▼
APR5.93%
Term49 - 60 Months
Last UpdatedOct 12, 2026
Details

Published APR range: 5.93% - 13.93%. Estimated payment: $386 a month for 60 months, $20,000 loan at 5.93%

Rate History
No change since Sep 14, 2026 · 5.93% APR · checked 5 times
5.43%5.93%6.43%Sep 14, 2026: 5.93% APRSep 14, 2026Oct 13, 2026
PUD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used vehicles, boats, RV's, ATV's 2016-2026 Loan
5.95%
Up to 84 months
▼
APR5.95%
TermUp to 84 months
Last UpdatedOct 12, 2026
Details

Term: Loans over $35K up to 84 months

Rate History
No change since Oct 12, 2026 · 5.95% APR
5.45%5.95%6.45%Oct 12, 2026: 5.95% APROct 12, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Auto Loan
5.99%
73-84 Months
▼
APR5.99%
Term73-84 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 5.99% APR · checked 4 times
5.49%5.99%6.49%Sep 30, 2026: 5.99% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Vehicle Loan
5.99%
73-84 months
▼
APR5.99%
Term73-84 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 5.99% APR · checked 4 times
5.49%5.99%6.49%Sep 30, 2026: 5.99% APRSep 30, 2026Oct 13, 2026
Cheney Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
New Auto/Truck Loan
5.99%
Up to 84 months
▼
APR5.99%
TermUp to 84 months
Last UpdatedOct 12, 2026
Details

Published APR range: 5.99% to 14.99%. Fixed rate, terms up to 84 months with no more than 12,000 miles.

Rate History
No change since Sep 12, 2026 · 5.99% APR · checked 3 times
5.49%5.99%6.49%Sep 12, 2026: 5.99% APRSep 12, 2026Oct 13, 2026
Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★ Texas Ratio: 2.23%
New & Used Auto Loans
5.99%
61 - 72 Months
▼
APR5.99%
Term61 - 72 Months
Last UpdatedOct 12, 2026
Details

Published APR range: 5.99% - 14.14%. Estimated payment: $331 a month for 72 months, $20,000 loan at 5.99%; Minimum loan amount $10,000

Rate History
No change since Sep 14, 2026 · 5.99% APR · checked 6 times
5.49%5.99%6.49%Sep 14, 2026: 5.99% APRSep 14, 2026Oct 13, 2026
IQ Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.25%
2022 & Newer Auto Loan
5.99%
up to 84 months
▼
APR5.99%
Termup to 84 months
Last UpdatedOct 9, 2026
Details

Published APR range: 5.99% - 21.94%.

Rate History
No change since Sep 21, 2026 · 5.99% APR · checked 6 times
5.49%5.99%6.49%Sep 21, 2026: 5.99% APRSep 21, 2026Oct 13, 2026
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
New Electric, Plug-in Hybrid, or Hybrid Vehicles: Model Year 2025 or newer Loan
5.99%
84 months
▼
APR5.99%
Term84 months
Last UpdatedOct 10, 2026
Details

Published APR range: 5.99 - 8.74%.

Rate History
No change since Sep 14, 2026 · 5.99% APR · checked 6 times
5.49%5.99%6.49%Sep 14, 2026: 5.99% APRSep 14, 2026Oct 13, 2026
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.53%
New Auto Loan (vehicle year 2025 - 2026)
6.00%
Up to 3 years
▼
APR6.00%
TermUp to 3 years
Last UpdatedOct 12, 2026
Details

Vehicle year 2025 - 2026; Maximum Term in Years: 3

Rate History
1 change since Oct 8, 2026 · 5.50% → 6.00% ▲ 0.50 pts · high 6.00% / low 5.50%
5.00%5.75%6.50%Oct 8, 2026: 5.50% APROct 12, 2026: 6.00% APROct 8, 2026Oct 13, 2026
  • Oct 12, 20266.00%▲ from 5.50%
  • Oct 8, 20265.50%first recorded
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.53%
New Auto Loan (vehicle year 2025 - 2026)
6.00%
Up to 4 years
▼
APR6.00%
TermUp to 4 years
Last UpdatedOct 12, 2026
Details

Vehicle year 2025 - 2026; Maximum Term in Years: 4

Rate History
1 change since Oct 8, 2026 · 5.50% → 6.00% ▲ 0.50 pts · high 6.00% / low 5.50%
5.00%5.75%6.50%Oct 8, 2026: 5.50% APROct 12, 2026: 6.00% APROct 8, 2026Oct 13, 2026
  • Oct 12, 20266.00%▲ from 5.50%
  • Oct 8, 20265.50%first recorded
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
New Vehicles (2023 - 2026) Auto Loan
6.00%
61 months
▼
APR6.00%
Term61 months
Last UpdatedOct 13, 2026
Details

Term: 61 - 72 months ($15,000 or higher); Published APR range: 6.00% - 17.99%. APR Range*; Up to 125% LTV; Mileage maximum: 150,000; Rates effective as of 6/30/2026

Rate History
No change since Oct 13, 2026 · 6.00% APR
5.50%6.00%6.50%Oct 13, 2026: 6.00% APROct 13, 2026Oct 13, 2026
Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.59%
New & Used Auto Loan
6.00%
60 - 72 months
▼
APR6.00%
Interest Rate6.00%
Term60 - 72 months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 6.00% APR · checked 6 times
5.50%6.00%6.50%Sep 14, 2026: 6.00% APRSep 14, 2026Oct 13, 2026
Sound Community Bank
Institution Rating:
A5.0 ★ Texas Ratio: 6.90%
New Auto: 2024 and Newer
6.04%
36 months
▼
APR6.04%
Term36 months
Last UpdatedOct 7, 2026
Details

As Low As

Rate History
1 change since Sep 15, 2026 · 5.54% → 6.04% ▲ 0.50 pts · high 6.04% / low 5.54%
5.04%5.79%6.54%Sep 15, 2026: 5.54% APROct 7, 2026: 6.04% APRSep 15, 2026Oct 13, 2026
  • Oct 7, 20266.04%▲ from 5.54%
  • Sep 15, 20265.54%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
New Auto Loan
6.14%
36 months
▼
APR6.14%
Term36 months
Last UpdatedOct 10, 2026
Details

Vehicle Age: 2020+; Loan Amount: No Minimum

Rate History
1 change since Sep 18, 2026 · 5.74% → 6.14% ▲ 0.40 pts · high 6.14% / low 5.74%
5.24%5.94%6.64%Sep 18, 2026: 5.74% APROct 10, 2026: 6.14% APRSep 18, 2026Oct 13, 2026
  • Oct 10, 20266.14%▲ from 5.74%
  • Sep 18, 20265.74%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
New Auto Loan
6.14%
48 months
▼
APR6.14%
Term48 months
Last UpdatedOct 10, 2026
Details

Vehicle Age: 2020+; Loan Amount: No Minimum

Rate History
1 change since Sep 18, 2026 · 5.74% → 6.14% ▲ 0.40 pts · high 6.14% / low 5.74%
5.24%5.94%6.64%Sep 18, 2026: 5.74% APROct 10, 2026: 6.14% APRSep 18, 2026Oct 13, 2026
  • Oct 10, 20266.14%▲ from 5.74%
  • Sep 18, 20265.74%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
New Auto Loan
6.14%
60 months
▼
APR6.14%
Term60 months
Last UpdatedOct 10, 2026
Details

Vehicle Age: 2020+; Loan Amount: No Minimum

Rate History
1 change since Sep 18, 2026 · 5.74% → 6.14% ▲ 0.40 pts · high 6.14% / low 5.74%
5.24%5.94%6.64%Sep 18, 2026: 5.74% APROct 10, 2026: 6.14% APRSep 18, 2026Oct 13, 2026
  • Oct 10, 20266.14%▲ from 5.74%
  • Sep 18, 20265.74%first recorded
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
New car purchase Loan
6.24%
60 months
▼
APR6.24%
Term60 months
Last UpdatedOct 7, 2026
Details

Rate History
3 changes since Sep 14, 2026 · 5.94% → 6.24% ▲ 0.30 pts · high 6.24% / low 5.94%
5.44%6.09%6.74%Sep 14, 2026: 5.94% APRSep 18, 2026: 6.04% APRSep 27, 2026: 6.14% APROct 2, 2026: 6.24% APRSep 14, 2026Oct 13, 2026
  • Oct 2, 20266.24%▲ from 6.14%
  • Sep 27, 20266.14%▲ from 6.04%
  • Sep 18, 20266.04%▲ from 5.94%
  • Sep 14, 20265.94%first recorded
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
New car rate Loan
6.24%
60 months
▼
APR6.24%
Term60 months
Last UpdatedOct 7, 2026
Details

For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Purchase of a new car would have a 6.24% APR for 60 months, monthly payment of $875.01 for $45,000 financing, down payment of $0

Rate History
3 changes since Sep 14, 2026 · 5.94% → 6.24% ▲ 0.30 pts · high 6.24% / low 5.94%
5.44%6.09%6.74%Sep 14, 2026: 5.94% APRSep 18, 2026: 6.04% APRSep 27, 2026: 6.14% APROct 2, 2026: 6.24% APRSep 14, 2026Oct 13, 2026
  • Oct 2, 20266.24%▲ from 6.14%
  • Sep 27, 20266.14%▲ from 6.04%
  • Sep 18, 20266.04%▲ from 5.94%
  • Sep 14, 20265.94%first recorded
Rivermark Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.96%
Auto Loans: 2022 and Newer
6.24%
Up to 76 Months
▼
APR6.24%
TermUp to 76 Months
Last UpdatedOct 13, 2026
Details

APR (Minimum) 6.24%; APR (Maximum) 16.49%

Rate History
No change since Oct 13, 2026 · 6.24% APR
5.74%6.24%6.74%Oct 13, 2026: 6.24% APROct 13, 2026Oct 13, 2026
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.53%
New Auto Loan (vehicle year 2025 - 2026)
6.25%
Up to 5 years
▼
APR6.25%
TermUp to 5 years
Last UpdatedOct 12, 2026
Details

Vehicle year 2025 - 2026; Maximum Term in Years: 5

Rate History
1 change since Oct 8, 2026 · 5.75% → 6.25% ▲ 0.50 pts · high 6.25% / low 5.75%
5.25%6.00%6.75%Oct 8, 2026: 5.75% APROct 12, 2026: 6.25% APROct 8, 2026Oct 13, 2026
  • Oct 12, 20266.25%▲ from 5.75%
  • Oct 8, 20265.75%first recorded
Connection Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
New Auto
6.25%
73-84 months
▼
APR6.25%
Term73-84 months
Last UpdatedOct 1, 2026
Details

Published APR range: 6.25% to 18.15%.

Rate History
No change since Oct 1, 2026 · 6.25% APR
5.75%6.25%6.75%Oct 1, 2026: 6.25% APROct 1, 2026Oct 13, 2026
Sound Community Bank
Institution Rating:
A5.0 ★ Texas Ratio: 6.90%
New Auto: 2024 and Newer
6.30%
48 months
▼
APR6.30%
Term48 months
Last UpdatedOct 7, 2026
Details

As Low As

Rate History
1 change since Sep 15, 2026 · 5.80% → 6.30% ▲ 0.50 pts · high 6.30% / low 5.80%
5.30%6.05%6.80%Sep 15, 2026: 5.80% APROct 7, 2026: 6.30% APRSep 15, 2026Oct 13, 2026
  • Oct 7, 20266.30%▲ from 5.80%
  • Sep 15, 20265.80%first recorded

Stehekin Used Auto Auto Loan Rates

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Longshoremen's Local 4 FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 0.67%
Used vehicle (1-2 years old) Loan
1.99%
Up to 84 months
▼
APR1.99%
Interest Rate1.99%
TermUp to 84 months
Last UpdatedOct 10, 2026
Details

Published APR range: 1.99% to 8.75%; Published rate range: 1.99% to 8.75%.

Rate History
2 changes since Sep 14, 2026 · 1.99% → 1.99% ▼ 0.00 pts · high 8.75% / low 1.99%
0.00%7.76%15.51%Sep 14, 2026: 1.99% APRSep 18, 2026: 8.75% APROct 1, 2026: 1.99% APRSep 14, 2026Oct 13, 2026
  • Oct 1, 20261.99%▼ from 8.75%
  • Sep 18, 20268.75%▲ from 1.99%
  • Sep 14, 20261.99%first recorded
Responders Emergency Services Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
New & Used Automobiles
3.79%
48 months
▼
APR3.79%
Term48 months
Last UpdatedOct 10, 2026
Details

As Low As; 7 years or newer model years.

Rate History
1 change since Sep 14, 2026 · 3.99% → 3.79% ▼ 0.20 pts · high 3.99% / low 3.79%
3.29%3.89%4.49%Sep 14, 2026: 3.99% APROct 10, 2026: 3.79% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.79%▼ from 3.99%
  • Sep 14, 20263.99%first recorded
Responders Emergency Services Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
New & Used Automobiles and Street Motorcycles
3.99%
72 months
▼
APR3.99%
Term72 months
Last UpdatedOct 10, 2026
Details

As Low As; 7 model years or newer.

Rate History
No change since Oct 10, 2026 · 3.99% APR
3.49%3.99%4.49%Oct 10, 2026: 3.99% APROct 10, 2026Oct 13, 2026
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
Used Vehicles Model Year 2020-2024 Loan
4.19%
36 months
▼
APR4.19%
Interest Rate4.19%
Term36 months
Last UpdatedOct 13, 2026
Details

Rate History
No change since Sep 17, 2026 · 4.19% APR · checked 8 times
3.69%4.19%4.69%Sep 17, 2026: 4.19% APRSep 17, 2026Oct 13, 2026
TRI CITIES Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.07%
New & Used Auto
4.24%
up to 84 months
▼
APR4.24%
Termup to 84 months
Last UpdatedOct 10, 2026
Details

Published APR range: 4.24% - 18.00%. Up to 115% Book Value or purchase price, depending on credit quality.

Rate History
No change since Sep 30, 2026 · 4.24% APR · checked 4 times
3.74%4.24%4.74%Sep 30, 2026: 4.24% APRSep 30, 2026Oct 13, 2026
Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.44%
Used Cars Loan
4.49%
up to 72 months
▼
APR4.49%
Termup to 72 months
Last UpdatedOct 12, 2026
Details

up to 10 years old; 0% down OAC

Rate History
No change since Sep 12, 2026 · 4.49% APR · checked 8 times
3.99%4.49%4.99%Sep 12, 2026: 4.49% APRSep 12, 2026Oct 13, 2026
MountainCrest Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.42%
Used Auto
4.50%
up to 84 months
▼
APR4.50%
Termup to 84 months
Last UpdatedOct 1, 2026
Details

Term: Up to 84-month term available; Published APR range: 4.50% to 16.75%. 2023 and older. Loan to value based on NADA retail.

Rate History
No change since Sep 18, 2026 · 4.50% APR · checked 4 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APRSep 18, 2026Oct 13, 2026
WestEdge Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
EcoVehicle Loans - New and Used
4.74%
Up to 108 months
▼
APR4.74%
TermUp to 108 months
Last UpdatedOct 12, 2026
Details

Published APR range: 4.74% - 17.99%. APR range disclosed; actual APR based on credit history and loan term; Loan Rates effective as of February 18, 2026; Preferred rates and terms on new and used Battery Electric EVs, Plug-In Hybrids, and Gas-Electric Hybrids

Rate History
No change since Oct 12, 2026 · 4.74% APR
4.24%4.74%5.24%Oct 12, 2026: 4.74% APROct 12, 2026Oct 13, 2026
Waterfront Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
Used Autos (2020 & Older)
4.74%
Up to 72 Months
▼
APR4.74%
TermUp to 72 Months
Last UpdatedOct 13, 2026
Details

Published APR range: 4.74% - 16.75%. As Low As

Rate History
No change since Oct 13, 2026 · 4.74% APR
4.24%4.74%5.24%Oct 13, 2026: 4.74% APROct 13, 2026Oct 13, 2026
Our Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New or Used Auto
4.74%
up to 84 Months
▼
APR4.74%
Termup to 84 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 4.74% - 13.99%.

Rate History
No change since Sep 14, 2026 · 4.74% APR · checked 6 times
4.24%4.74%5.24%Sep 14, 2026: 4.74% APRSep 14, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Used Auto Loan
4.79%
12-36 Months
▼
APR4.79%
Term12-36 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 4.79% APR · checked 4 times
4.29%4.79%5.29%Sep 30, 2026: 4.79% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Used Vehicle Loan
4.79%
up to 36 months
▼
APR4.79%
Termup to 36 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 4.79% APR · checked 4 times
4.29%4.79%5.29%Sep 30, 2026: 4.79% APRSep 30, 2026Oct 13, 2026
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
Used Vehicles (2017 - 2022) Auto Loan
4.85%
0 - 36 months
▼
APR4.85%
Term0 - 36 months
Last UpdatedOct 13, 2026
Details

Published APR range: 4.85% - 17.35%. Up to 100% LTV; Mileage maximum: 150,000

Rate History
No change since Oct 13, 2026 · 4.85% APR
4.35%4.85%5.35%Oct 13, 2026: 4.85% APROct 13, 2026Oct 13, 2026
Red Canoe Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
Used Auto
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedOct 10, 2026
Details

As Low As; Payment Example: $10,000 loan at 5.24% for 60 months - $189.81/month

Rate History
No change since Oct 10, 2026 · 4.99% APR
4.49%4.99%5.49%Oct 10, 2026: 4.99% APROct 10, 2026Oct 13, 2026
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
Used Electric, Plug-in Hybrid, or Hybrid Vehicles: Model Year 2024 or older Loan
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedOct 10, 2026
Details

Published APR range: 4.99 - 13.49%.

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 6 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
Spark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
Used Auto
5.00%
up to 84 months
▼
APR5.00%
Termup to 84 months
Last UpdatedOct 13, 2026
Details

Published APR range: 5.00% - 18%. Secured loan

Rate History
No change since Sep 14, 2026 · 5.00% APR · checked 8 times
4.50%5.00%5.50%Sep 14, 2026: 5.00% APRSep 14, 2026Oct 13, 2026
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.12%
2016-2019 Used Auto Loans (Cars, trucks & vans)
5.14%
36-60 month
▼
APR5.14%
Term36-60 month
Last UpdatedOct 13, 2026
Details

Model year: 2016-2019; APR range: 5.14% - 9.84% (fixed); Estimated minimum

Rate History
No change since Sep 18, 2026 · 5.14% APR · checked 4 times
4.64%5.14%5.64%Sep 18, 2026: 5.14% APRSep 18, 2026Oct 13, 2026
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.12%
2020-2022 Used Auto Loans (Cars, trucks & vans)
5.14%
36 - 60 months
▼
APR5.14%
Term36 - 60 months
Last UpdatedOct 13, 2026
Details

APR range 5.14% - 9.84% (fixed); Estimated minimum

Rate History
No change since Sep 14, 2026 · 5.14% APR · checked 3 times
4.64%5.14%5.64%Sep 14, 2026: 5.14% APRSep 14, 2026Oct 13, 2026
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.12%
Business Auto Loans - Used auto (2016-2022)
5.14%
36-60 months
▼
APR5.14%
Term36-60 months
Last UpdatedOct 13, 2026
Details

Published APR range: 5.14% - 9.84%.

Rate History
No change since Oct 13, 2026 · 5.14% APR
4.64%5.14%5.64%Oct 13, 2026: 5.14% APROct 13, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Used Business Vehicle Loan
5.19%
Up to 36 months
▼
APR5.19%
TermUp to 36 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 30, 2026 · 5.19% APR · checked 4 times
4.69%5.19%5.69%Sep 30, 2026: 5.19% APRSep 30, 2026Oct 13, 2026
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
Used Vehicles Model Year 2020-2024 Loan
5.19%
48 months
▼
APR5.19%
Interest Rate5.19%
Term48 months
Last UpdatedOct 13, 2026
Details

Rate History
No change since Sep 17, 2026 · 5.19% APR · checked 8 times
4.69%5.19%5.69%Sep 17, 2026: 5.19% APRSep 17, 2026Oct 13, 2026
PUD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used vehicles, boats, RV's, ATV's 2016-2026 Loan
5.20%
Up to 48 months
▼
APR5.20%
TermUp to 48 months
Last UpdatedOct 12, 2026
Details

Term: Up to 48 months (4 years)

Rate History
No change since Sep 18, 2026 · 5.20% APR · checked 4 times
4.70%5.20%5.70%Sep 18, 2026: 5.20% APRSep 18, 2026Oct 13, 2026
Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★ Texas Ratio: 2.23%
New & Used Auto Loans
5.21%
0 - 36 Months
▼
APR5.21%
Term0 - 36 Months
Last UpdatedOct 12, 2026
Details

Published APR range: 5.21% - 13.21%. Estimated payment: $601 a month for 36 months, $20,000 loan at 5.21%

Rate History
No change since Sep 14, 2026 · 5.21% APR · checked 6 times
4.71%5.21%5.71%Sep 14, 2026: 5.21% APRSep 14, 2026Oct 13, 2026
North Coast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
New / Used Vehicles Loan
5.22%
1 to 84 Months
▼
APR5.22%
Term1 to 84 Months
Last UpdatedOct 13, 2026
Details

Published APR range: 5.220% to 17.470%. Rate printed as range 5.220% to 17.470% APR*; rate will vary based on term; Purchase New Vehicles: Up to 125% LTV of NADA, MSRP Value or purchase price whichever is less; Purchase Used Vehicles: Up to 125% LTV of NADA Average Retail value or purchase price whichever is less; Refinance: Up to 100% LTV (cash out) of NADA Avg Retail value; Maximum loan not to exceed 125% LTV of MSRP or NADA value including taxes, license, GAP and extended warranty

Rate History
No change since Sep 14, 2026 · 5.22% APR · checked 6 times
4.72%5.22%5.72%Sep 14, 2026: 5.22% APRSep 14, 2026Oct 13, 2026
Ironworkers USA Federal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 20.11%
Used Auto Loans
5.24%
36-84 months
▼
APR5.24%
Term36-84 months
Last UpdatedOct 13, 2026
Details

Featured rate card; no term stated in source content

Rate History
No change since Oct 13, 2026 · 5.24% APR
4.74%5.24%5.74%Oct 13, 2026: 5.24% APROct 13, 2026Oct 13, 2026
Ironworkers USA Federal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 20.11%
Used Vehicles Loan
5.24%
36-84 months
▼
APR5.24%
Term36-84 months
Last UpdatedOct 13, 2026
Details

Published APR range: 5.24 - 18%. Rates are based on credit history, credit qualifications, and loan term

Rate History
No change since Sep 14, 2026 · 5.24% APR · checked 9 times
4.74%5.24%5.74%Sep 14, 2026: 5.24% APRSep 14, 2026Oct 13, 2026
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
Used Electric, Plug-in Hybrid, or Hybrid Vehicles: Model Year 2024 or older Loan
5.24%
72 months
▼
APR5.24%
Term72 months
Last UpdatedOct 10, 2026
Details

Published APR range: 5.24 - 14.49%.

Rate History
No change since Sep 14, 2026 · 5.24% APR · checked 6 times
4.74%5.24%5.74%Sep 14, 2026: 5.24% APRSep 14, 2026Oct 13, 2026
Sno Falls Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
Used Auto
5.24%
up to 72 months
▼
APR5.24%
Termup to 72 months
Last UpdatedOct 10, 2026
Details

Published APR range: 5.24% - 15.24%.

Rate History
No change since Sep 14, 2026 · 5.24% APR · checked 6 times
4.74%5.24%5.74%Sep 14, 2026: 5.24% APRSep 14, 2026Oct 13, 2026
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.53%
Used Auto Loan (vehicle year 2022 - 2026)
5.25%
3 years
▼
APR5.25%
Term3 years
Last UpdatedOct 12, 2026
Details

As Low As; APR as low as; best rates based on approved credit, maximum relationship discount of 1.00%

Rate History
1 change since Oct 8, 2026 · 4.75% → 5.25% ▲ 0.50 pts · high 5.25% / low 4.75%
4.25%5.00%5.75%Oct 8, 2026: 4.75% APROct 12, 2026: 5.25% APROct 8, 2026Oct 13, 2026
  • Oct 12, 20265.25%▲ from 4.75%
  • Oct 8, 20264.75%first recorded
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.53%
Used Auto Loan (vehicle year 2022 - 2026)
5.25%
4 years
▼
APR5.25%
Term4 years
Last UpdatedOct 12, 2026
Details

As Low As; APR as low as; best rates based on approved credit, maximum relationship discount of 1.00%

Rate History
1 change since Oct 8, 2026 · 4.75% → 5.25% ▲ 0.50 pts · high 5.25% / low 4.75%
4.25%5.00%5.75%Oct 8, 2026: 4.75% APROct 12, 2026: 5.25% APROct 8, 2026Oct 13, 2026
  • Oct 12, 20265.25%▲ from 4.75%
  • Oct 8, 20264.75%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Used Auto Loan
5.29%
37-60 Months
▼
APR5.29%
Term37-60 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 5.29% APR · checked 4 times
4.79%5.29%5.79%Sep 30, 2026: 5.29% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Used Vehicle Loan
5.29%
37-60 months
▼
APR5.29%
Term37-60 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 5.29% APR · checked 4 times
4.79%5.29%5.79%Sep 30, 2026: 5.29% APRSep 30, 2026Oct 13, 2026
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
Used Vehicles Model Year 2020-2024 Loan
5.29%
60 months
▼
APR5.29%
Interest Rate5.29%
Term60 months
Last UpdatedOct 13, 2026
Details

Rate History
No change since Sep 17, 2026 · 5.29% APR · checked 8 times
4.79%5.29%5.79%Sep 17, 2026: 5.29% APRSep 17, 2026Oct 13, 2026
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
Used Vehicles Model Year 2020-2024 Loan
5.29%
72 months
▼
APR5.29%
Interest Rate5.29%
Term72 months
Last UpdatedOct 13, 2026
Details

Minimum loan $20,000

Rate History
No change since Sep 17, 2026 · 5.29% APR · checked 8 times
4.79%5.29%5.79%Sep 17, 2026: 5.29% APRSep 17, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Used Auto Loan
5.39%
61-72 Months
▼
APR5.39%
Term61-72 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 5.39% APR · checked 4 times
4.89%5.39%5.89%Sep 30, 2026: 5.39% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Used Vehicle Loan
5.39%
61-72 months
▼
APR5.39%
Term61-72 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 5.39% APR · checked 4 times
4.89%5.39%5.89%Sep 30, 2026: 5.39% APRSep 30, 2026Oct 13, 2026
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.12%
2016-2019 Used Auto Loans (Cars, trucks & vans)
5.39%
72 months
▼
APR5.39%
Term72 months
Last UpdatedOct 13, 2026
Details

Model year: 2016-2019; APR range: 5.39% - 10.19% (fixed); Estimated minimum

Rate History
No change since Sep 18, 2026 · 5.39% APR · checked 4 times
4.89%5.39%5.89%Sep 18, 2026: 5.39% APRSep 18, 2026Oct 13, 2026
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.12%
2020-2022 Used Auto Loans (Cars, trucks & vans)
5.39%
72 months
▼
APR5.39%
Term72 months
Last UpdatedOct 13, 2026
Details

APR range 5.39% - 10.19% (fixed); Estimated minimum

Rate History
No change since Sep 14, 2026 · 5.39% APR · checked 3 times
4.89%5.39%5.89%Sep 14, 2026: 5.39% APRSep 14, 2026Oct 13, 2026
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.12%
Business Auto Loans - Used auto (2016-2022)
5.39%
72 months
▼
APR5.39%
Term72 months
Last UpdatedOct 13, 2026
Details

Published APR range: 5.39% - 10.19%. 72-month term for model years 2016-2019 requires a minimum $12,000 loan amount

Rate History
No change since Oct 13, 2026 · 5.39% APR
4.89%5.39%5.89%Oct 13, 2026: 5.39% APROct 13, 2026Oct 13, 2026
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.40%
USED AUTO - Max
5.40%
up to 60 months
▼
APR5.40%
Termup to 60 months
Last UpdatedOct 9, 2026
Details

$100,000; Published APR range: 5.40 - 14.14%.

Rate History
No change since Sep 14, 2026 · 5.40% APR · checked 5 times
4.90%5.40%5.90%Sep 14, 2026: 5.40% APRSep 14, 2026Oct 13, 2026
PUD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used vehicles, boats, RV's, ATV's 2016-2026 Loan
5.45%
49 months
▼
APR5.45%
Term49 months
Last UpdatedOct 12, 2026
Details

Term: 49 to 60 months (5 years)

Rate History
No change since Sep 18, 2026 · 5.45% APR · checked 4 times
4.95%5.45%5.95%Sep 18, 2026: 5.45% APRSep 18, 2026Oct 13, 2026
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
Used Auto
5.49%
Up to 60 months
▼
APR5.49%
TermUp to 60 months
Last UpdatedOct 12, 2026
Details

Published APR range: 5.49% - 18.00%. Collateral year: 2017-2022; APR based on repayment period, collateral year, rate discounts and credit qualifications

Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 7 times
4.99%5.49%5.99%Sep 14, 2026: 5.49% APRSep 14, 2026Oct 13, 2026
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.06%
Used Auto (Models 2017 - 2020)
5.49%
4 years / 48 months
▼
APR5.49%
Term4 years / 48 months
Last UpdatedOct 12, 2026
Details

As Low As; Terms based on amount financed and model year of collateral; Maximum amount financed up to 110% of NADA average retail including tax and license

Rate History
No change since Sep 20, 2026 · 5.49% APR · checked 4 times
4.99%5.49%5.99%Sep 20, 2026: 5.49% APRSep 20, 2026Oct 13, 2026
Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.44%
Used Cars Loan
5.49%
up to 73 - 84 months
▼
APR5.49%
Termup to 73 - 84 months
Last UpdatedOct 12, 2026
Details

up to 10 years old; 0% down OAC

Rate History
No change since Sep 12, 2026 · 5.49% APR · checked 8 times
4.99%5.49%5.99%Sep 12, 2026: 5.49% APRSep 12, 2026Oct 13, 2026
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
Used Vehicles: Model Year 2024 or older Loan
5.49%
60 months
▼
APR5.49%
Term60 months
Last UpdatedOct 10, 2026
Details

Published APR range: 5.49% - 13.99%.

Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 6 times
4.99%5.49%5.99%Sep 14, 2026: 5.49% APRSep 14, 2026Oct 13, 2026
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.53%
Used Auto Loan (vehicle year 2022 - 2026)
5.50%
5 years
▼
APR5.50%
Term5 years
Last UpdatedOct 12, 2026
Details

As Low As; APR as low as; best rates based on approved credit, maximum relationship discount of 1.00%

Rate History
1 change since Oct 8, 2026 · 5.00% → 5.50% ▲ 0.50 pts · high 5.50% / low 5.00%
4.50%5.25%6.00%Oct 8, 2026: 5.00% APROct 12, 2026: 5.50% APROct 8, 2026Oct 13, 2026
  • Oct 12, 20265.50%▲ from 5.00%
  • Oct 8, 20265.00%first recorded
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.40%
USED AUTO - Max
5.54%
61 - 72 months
▼
APR5.54%
Term61 - 72 months
Last UpdatedOct 9, 2026
Details

$100,000; Published APR range: 5.54 - 14.27%.

Rate History
No change since Sep 14, 2026 · 5.54% APR · checked 5 times
5.04%5.54%6.04%Sep 14, 2026: 5.54% APRSep 14, 2026Oct 13, 2026
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
Used Auto
5.59%
61 - 72 months
▼
APR5.59%
Term61 - 72 months
Last UpdatedOct 12, 2026
Details

Published APR range: 5.59% - 18.00%. Collateral year: 2017-2022; APR based on repayment period, collateral year, rate discounts and credit qualifications

Rate History
No change since Sep 14, 2026 · 5.59% APR · checked 7 times
5.09%5.59%6.09%Sep 14, 2026: 5.59% APRSep 14, 2026Oct 13, 2026
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
Used Vehicles Model Year 2020-2024 Loan
5.59%
84 months
▼
APR5.59%
Interest Rate5.59%
Term84 months
Last UpdatedOct 13, 2026
Details

Minimum loan $25,000

Rate History
No change since Sep 17, 2026 · 5.59% APR · checked 8 times
5.09%5.59%6.09%Sep 17, 2026: 5.59% APRSep 17, 2026Oct 13, 2026
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
Used Vehicles (2017 - 2022) Auto Loan
5.60%
37 - 48 months
▼
APR5.60%
Term37 - 48 months
Last UpdatedOct 13, 2026
Details

Published APR range: 5.60% - 17.99%. Up to 100% LTV; Mileage maximum: 150,000

Rate History
No change since Oct 13, 2026 · 5.60% APR
5.10%5.60%6.10%Oct 13, 2026: 5.60% APROct 13, 2026Oct 13, 2026
Bank of America
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
Used car (dealer) Loan
5.69%
60 months
▼
APR5.69%
Term60 months
Last UpdatedOct 7, 2026
Details

As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.

Rate History
1 change since Sep 18, 2026 · 5.59% → 5.69% ▲ 0.10 pts · high 5.69% / low 5.59%
5.09%5.64%6.19%Sep 18, 2026: 5.59% APRSep 27, 2026: 5.69% APRSep 18, 2026Oct 13, 2026
  • Sep 27, 20265.69%▲ from 5.59%
  • Sep 18, 20265.59%first recorded
Great Northwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
Auto Loans - New or Used
5.69%
Up to 84 Months
▼
APR5.69%
TermUp to 84 Months
Last UpdatedOct 13, 2026
Details

Published APR range: 5.69% - 17.99%. Interest rate will decrease by .25% if enrolled with credit union automatic payments; Interest rate increases by 1.0% if the vehicle is more than 10 model years old; Interest rate increases by 1.0% if the vehicle has mileage of 125,000 or more

Rate History
No change since Oct 13, 2026 · 5.69% APR
5.19%5.69%6.19%Oct 13, 2026: 5.69% APROct 13, 2026Oct 13, 2026
PUD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used vehicles, boats, RV's, ATV's 2016-2026 Loan
5.70%
61 months
▼
APR5.70%
Term61 months
Last UpdatedOct 12, 2026
Details

Term: 61 to 72 months (6 years)

Rate History
No change since Sep 18, 2026 · 5.70% APR · checked 4 times
5.20%5.70%6.20%Sep 18, 2026: 5.70% APRSep 18, 2026Oct 13, 2026
Cheney Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
Used Auto/Truck Loan
5.74%
Up to 72 months
▼
APR5.74%
TermUp to 72 months
Last UpdatedOct 12, 2026
Details

Published APR range: 5.74% to 14.74%. Fixed rate, terms up to 72 months on vehicles up to 10 years old.

Rate History
No change since Sep 12, 2026 · 5.74% APR · checked 3 times
5.24%5.74%6.24%Sep 12, 2026: 5.74% APRSep 12, 2026Oct 13, 2026
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.06%
Used Auto (Models 2017 - 2020)
5.74%
5 years / 60 months
▼
APR5.74%
Term5 years / 60 months
Last UpdatedOct 12, 2026
Details

As Low As; Terms based on amount financed and model year of collateral; Maximum amount financed up to 110% of NADA average retail including tax and license

Rate History
No change since Sep 20, 2026 · 5.74% APR · checked 4 times
5.24%5.74%6.24%Sep 20, 2026: 5.74% APRSep 20, 2026Oct 13, 2026
Salal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.83%
Auto Loans - Used Vehicles
5.74%
Up to 84 months
▼
APR5.74%
TermUp to 84 months
Last UpdatedOct 13, 2026
Details

Published APR range: 5.74% - 8.99%. Used vehicles that have been titled or licensed and are 2 years old and older; Rates increase without automatic payment; Rates decrease for hybrid and EV loans

Rate History
No change since Oct 13, 2026 · 5.74% APR
5.24%5.74%6.24%Oct 13, 2026: 5.74% APROct 13, 2026Oct 13, 2026
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
Used Vehicles: Model Year 2024 or older Loan
5.74%
72 months
▼
APR5.74%
Term72 months
Last UpdatedOct 10, 2026
Details

Published APR range: 5.74% - 14.99%.

Rate History
No change since Sep 14, 2026 · 5.74% APR · checked 6 times
5.24%5.74%6.24%Sep 14, 2026: 5.74% APRSep 14, 2026Oct 13, 2026
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.53%
Used Auto Loan (vehicle year 2022 - 2026)
5.75%
6 years
▼
APR5.75%
Term6 years
Last UpdatedOct 12, 2026
Details

As Low As; APR as low as; best rates based on approved credit, maximum relationship discount of 1.00%

Rate History
1 change since Oct 8, 2026 · 5.25% → 5.75% ▲ 0.50 pts · high 5.75% / low 5.25%
4.75%5.50%6.25%Oct 8, 2026: 5.25% APROct 12, 2026: 5.75% APROct 8, 2026Oct 13, 2026
  • Oct 12, 20265.75%▲ from 5.25%
  • Oct 8, 20265.25%first recorded
Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.59%
New & Used Auto Loan
5.75%
24 - 48 months
▼
APR5.75%
Interest Rate5.75%
Term24 - 48 months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 5.75% APR · checked 6 times
5.25%5.75%6.25%Sep 14, 2026: 5.75% APRSep 14, 2026Oct 13, 2026
Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★ Texas Ratio: 2.23%
New & Used Auto Loans
5.77%
37 - 48 Months
▼
APR5.77%
Term37 - 48 Months
Last UpdatedOct 12, 2026
Details

Published APR range: 5.77% - 13.77%. Estimated payment: $468 a month for 48 months, $20,000 loan at 5.77%

Rate History
No change since Sep 14, 2026 · 5.77% APR · checked 5 times
5.27%5.77%6.27%Sep 14, 2026: 5.77% APRSep 14, 2026Oct 13, 2026
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
Used Auto
5.79%
73 - 84 months
▼
APR5.79%
Term73 - 84 months
Last UpdatedOct 12, 2026
Details

Published APR range: 5.79% - 18.00%. Collateral year: 2017-2022; APR based on repayment period, collateral year, rate discounts and credit qualifications

Rate History
No change since Sep 14, 2026 · 5.79% APR · checked 7 times
5.29%5.79%6.29%Sep 14, 2026: 5.79% APRSep 14, 2026Oct 13, 2026
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.12%
2020-2022 Used Auto Loans (Cars, trucks & vans)
5.84%
84 months
▼
APR5.84%
Term84 months
Last UpdatedOct 13, 2026
Details

APR range 5.84% - 11.49% (fixed); Estimated minimum

Rate History
No change since Sep 14, 2026 · 5.84% APR · checked 3 times
5.34%5.84%6.34%Sep 14, 2026: 5.84% APRSep 14, 2026Oct 13, 2026
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.12%
Business Auto Loans - Used auto (2016-2022)
5.84%
84 months
▼
APR5.84%
Term84 months
Last UpdatedOct 13, 2026
Details

Published APR range: 5.84% - 11.49%. New and Used Auto 84-month term requires a minimum $15,000 loan amount; 84-month term offered on model years 2020-2022 only

Rate History
No change since Oct 13, 2026 · 5.84% APR
5.34%5.84%6.34%Oct 13, 2026: 5.84% APROct 13, 2026Oct 13, 2026
Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★ Texas Ratio: 2.23%
New & Used Auto Loans
5.93%
49 - 60 Months
▼
APR5.93%
Term49 - 60 Months
Last UpdatedOct 12, 2026
Details

Published APR range: 5.93% - 13.93%. Estimated payment: $386 a month for 60 months, $20,000 loan at 5.93%

Rate History
No change since Sep 14, 2026 · 5.93% APR · checked 5 times
5.43%5.93%6.43%Sep 14, 2026: 5.93% APRSep 14, 2026Oct 13, 2026
PUD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used vehicles, boats, RV's, ATV's 2016-2026 Loan
5.95%
Up to 84 months
▼
APR5.95%
TermUp to 84 months
Last UpdatedOct 12, 2026
Details

Term: Loans over $35K up to 84 months

Rate History
No change since Oct 12, 2026 · 5.95% APR
5.45%5.95%6.45%Oct 12, 2026: 5.95% APROct 12, 2026Oct 13, 2026
Cheney Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
Used Auto/Truck Loan
5.99%
84 months
▼
APR5.99%
Term84 months
Last UpdatedOct 12, 2026
Details

Published APR range: 5.99% to 14.99%. 84 months available under certain conditions.

Rate History
No change since Sep 12, 2026 · 5.99% APR · checked 3 times
5.49%5.99%6.49%Sep 12, 2026: 5.99% APRSep 12, 2026Oct 13, 2026
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.06%
Used Auto (Models 2017 - 2020)
5.99%
6 years / 72 months
▼
APR5.99%
Term6 years / 72 months
Last UpdatedOct 12, 2026
Details

As Low As; Terms based on amount financed and model year of collateral; Maximum amount financed up to 110% of NADA average retail including tax and license

Rate History
No change since Sep 20, 2026 · 5.99% APR · checked 4 times
5.49%5.99%6.49%Sep 20, 2026: 5.99% APRSep 20, 2026Oct 13, 2026
Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★ Texas Ratio: 2.23%
New & Used Auto Loans
5.99%
61 - 72 Months
▼
APR5.99%
Term61 - 72 Months
Last UpdatedOct 12, 2026
Details

Published APR range: 5.99% - 14.14%. Estimated payment: $331 a month for 72 months, $20,000 loan at 5.99%; Minimum loan amount $10,000

Rate History
No change since Sep 14, 2026 · 5.99% APR · checked 6 times
5.49%5.99%6.49%Sep 14, 2026: 5.99% APRSep 14, 2026Oct 13, 2026
Express Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.52%
Used Car Loan (2023-1999) - Includes EV loans
5.99%
5 year
▼
APR5.99%
Term5 year
Last UpdatedOct 10, 2026
Details

Published APR range: 5.99% - 17.74%. Estimated Monthly Payment Examples: $289.92 a month based on 5 year term, $15,000 loan at 5.99% APR. Personal and auto loan rates include a .25% discount for auto-pay.

Rate History
No change since Sep 14, 2026 · 5.99% APR · checked 5 times
5.49%5.99%6.49%Sep 14, 2026: 5.99% APRSep 14, 2026Oct 13, 2026
Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.59%
New & Used Auto Loan
6.00%
60 - 72 months
▼
APR6.00%
Interest Rate6.00%
Term60 - 72 months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 6.00% APR · checked 6 times
5.50%6.00%6.50%Sep 14, 2026: 6.00% APRSep 14, 2026Oct 13, 2026
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
Used Vehicles (2017 - 2022) Auto Loan
6.10%
49 - 60 months
▼
APR6.10%
Term49 - 60 months
Last UpdatedOct 13, 2026
Details

Published APR range: 6.10% - 17.99%. Up to 100% LTV; Mileage maximum: 150,000

Rate History
No change since Oct 13, 2026 · 6.10% APR
5.60%6.10%6.60%Oct 13, 2026: 6.10% APROct 13, 2026Oct 13, 2026
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.06%
Used Auto (Models 2017 - 2020)
6.24%
7 years / 84 months
▼
APR6.24%
Term7 years / 84 months
Last UpdatedOct 12, 2026
Details

As Low As; Terms based on amount financed and model year of collateral; Maximum amount financed up to 110% of NADA average retail including tax and license

Rate History
No change since Sep 20, 2026 · 6.24% APR · checked 4 times
5.74%6.24%6.74%Sep 20, 2026: 6.24% APRSep 20, 2026Oct 13, 2026
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.71%
Used Low-Speed Vehicle Loan
6.24%
60 months or less
▼
APR6.24%
Term60 months or less
Last UpdatedOct 10, 2026
Details

Rate History
No change since Sep 14, 2026 · 6.24% APR · checked 6 times
5.74%6.24%6.74%Sep 14, 2026: 6.24% APRSep 14, 2026Oct 13, 2026
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.53%
Used Auto Loan (vehicle year 2022 - 2026)
6.25%
3 years
▼
APR6.25%
Term3 years
Last UpdatedOct 12, 2026
Details

APR* (standard)

Rate History
1 change since Oct 8, 2026 · 4.75% → 6.25% ▲ 1.50 pts · high 6.25% / low 4.75%
3.25%5.50%7.75%Oct 8, 2026: 4.75% APROct 12, 2026: 6.25% APROct 8, 2026Oct 13, 2026
  • Oct 12, 20266.25%▲ from 4.75%
  • Oct 8, 20264.75%first recorded
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.53%
Used Auto Loan (vehicle year 2022 - 2026)
6.25%
4 years
▼
APR6.25%
Term4 years
Last UpdatedOct 12, 2026
Details

APR* (standard)

Rate History
1 change since Oct 8, 2026 · 4.75% → 6.25% ▲ 1.50 pts · high 6.25% / low 4.75%
3.25%5.50%7.75%Oct 8, 2026: 4.75% APROct 12, 2026: 6.25% APROct 8, 2026Oct 13, 2026
  • Oct 12, 20266.25%▲ from 4.75%
  • Oct 8, 20264.75%first recorded
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
Used car purchase Loan
6.29%
60 months
▼
APR6.29%
Term60 months
Last UpdatedOct 7, 2026
Details

Rate History
3 changes since Sep 14, 2026 · 5.99% → 6.29% ▲ 0.30 pts · high 6.29% / low 5.99%
5.49%6.14%6.79%Sep 14, 2026: 5.99% APRSep 18, 2026: 6.09% APRSep 27, 2026: 6.19% APROct 2, 2026: 6.29% APRSep 14, 2026Oct 13, 2026
  • Oct 2, 20266.29%▲ from 6.19%
  • Sep 27, 20266.19%▲ from 6.09%
  • Sep 18, 20266.09%▲ from 5.99%
  • Sep 14, 20265.99%first recorded
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
Used car rate Loan
6.29%
60 months
▼
APR6.29%
Term60 months
Last UpdatedOct 7, 2026
Details

For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Purchase of a used 2022 year car would have a 6.29% APR for 60 months, monthly payment of $584.04 for $30,000 financing, down payment of $0

Rate History
3 changes since Sep 14, 2026 · 5.99% → 6.29% ▲ 0.30 pts · high 6.29% / low 5.99%
5.49%6.14%6.79%Sep 14, 2026: 5.99% APRSep 18, 2026: 6.09% APRSep 27, 2026: 6.19% APROct 2, 2026: 6.29% APRSep 14, 2026Oct 13, 2026
  • Oct 2, 20266.29%▲ from 6.19%
  • Sep 27, 20266.19%▲ from 6.09%
  • Sep 18, 20266.09%▲ from 5.99%
  • Sep 14, 20265.99%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Used Business Vehicle Loan
6.29%
37-60 months
▼
APR6.29%
Term37-60 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 30, 2026 · 6.29% APR · checked 4 times
5.79%6.29%6.79%Sep 30, 2026: 6.29% APRSep 30, 2026Oct 13, 2026
Connection Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
Used Auto
6.34%
Up to 60 months
▼
APR6.34%
TermUp to 60 months
Last UpdatedOct 1, 2026
Details

Published APR range: 6.34% to 19.99%.

Rate History
No change since Sep 14, 2026 · 6.34% APR · checked 5 times
5.84%6.34%6.84%Sep 14, 2026: 6.34% APRSep 14, 2026Oct 13, 2026

Stehekin, WA Auto Loan Rate Trends

Compare local Stehekin, 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.

View Full Washington Auto Trends
New Auto Loan WA Avg
5.231%
▲ 0.050 vs 7 days ago

Washington new auto rates rose 0.050 points over the past 7 days to 5.231% APR.

Used Auto Loan WA Avg
5.727%
▲ 0.019 vs 7 days ago

Washington used auto rates rose 0.019 points over the past 7 days to 5.727% APR.

As of Oct 13, 2026 • Rate data sourced from 8,500+ monitored institutions

Stehekin, WA Auto Loan Rate Forecast, Next 12 Months

Auto loan APRs track lender funding costs, which follow Federal Reserve policy. Our model projects the likely path of new and used auto averages from the current Washington figures.

Current New Auto Avg
5.23%
APR, as of Oct 13, 2026
6-Month Forecast
5.31%
Fed hold assumed
12-Month Forecast
5.38%
Range: 5.03% to 5.58%
Forecast Methodology & Assumptions

Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; auto lenders reprice within one to two policy cycles as funding costs move, and credit union pricing tends to lag banks slightly.

Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.

Powered byMonitorBankRates

What Would Your Monthly Car Payment Be?

Estimated monthly payments on a standard 60-month auto loan at today’s average Washington APRs. Even a small APR difference adds up over the life of a car loan. Use the calculator below to model your exact loan.

Loan Amount New Auto @ 5.23% APR
WA average
Used Auto @ 5.73% APR
WA average
Monthly Difference
$15,000 $284.66/mo $288.09/mo $3.44/mo
$25,000 $474.43/mo $480.16/mo $5.73/mo
$35,000 $664.20/mo $672.22/mo $8.02/mo
$45,000 $853.98/mo $864.28/mo $10.31/mo

Principal and interest only, 60-month term, calculated from current average APRs. Taxes, title, registration, and optional add-ons are not included. Your APR depends on credit score, loan term, vehicle age, and lender underwriting.

Powered byMonitorBankRates

How to Get the Best Auto Loan Rate in Stehekin, Washington

1

Get Preapproved Before You Shop

A preapproval from a bank or credit union serving Stehekin, Washington locks in a real rate before you set foot on a dealer lot. It turns you into a cash buyer, gives you a benchmark to beat, and protects you from dealer financing markups. Dealers can legally add points to the rate a lender actually approved you for.

2

Check Credit Unions First

Credit unions consistently offer some of the lowest auto loan APRs in Washington. Membership is usually easier to get than people expect. Many local credit unions accept anyone who lives, works, or worships in the area, and some let you join with a small donation to a partner charity.

3

Choose the Shortest Term You Can Afford

Shorter terms almost always carry lower APRs, and you pay interest for fewer months. A 72- or 84-month loan lowers the monthly payment but dramatically raises total interest cost and increases the time you spend “underwater”, owing more than the car is worth. Aim for 60 months or less if the payment fits your budget.

4

Mind the New vs. Used Rate Spread

Used car loans typically run 0.5 to 1.5 percentage points above new car rates. If you’re shopping late-model used vehicles, ask about certified pre-owned programs. CPO vehicles sometimes qualify for new-car financing rates, which can offset part of the price difference between the two.

Building a down payment, or is an auto loan not the right fit?

Washington Financial Snapshot

Local demographics and economic context for car buyers. Source: U.S. Census Bureau (state-level data shown; city data not available)

$54,551
Median Individual Earnings
National avg: $47,340
5.0%
Unemployment Rate
National avg: 4.8%
9.9%
Poverty Rate
National avg: 11.1%
$569/mo
Payment on a $30K / 60-mo Loan
At WA new-auto avg 5.23% APR

A $569 monthly car payment works out to roughly 12.5% of the median individual income in Washington. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15 to 20% of take-home pay.

Auto Financing Options Compared

An auto loan isn’t the only way to finance a vehicle in Stehekin, Washington, but for most borrowers it’s the cheapest. Here’s how the main options stack up.

Feature Credit Union Auto Loan Bank Auto Loan Dealer Financing Personal Loan
Typical APR Level ✓ Often lowest ✓ Competitive ● Varies, can be marked up ✗ Highest (unsecured)
Rate Locked Before You Shop ✓ Yes, via preapproval ✓ Yes, via preapproval ✗ Arranged at the dealership ✓ Yes
Membership / Relationship Required ● Membership (usually easy) ✗ No ✗ No ✗ No
Works for Private-Party Sales ✓ Usually ● Sometimes ✗ No ✓ Yes
Convenience at Purchase ● Preapproval step first ● Preapproval step first ✓ One-stop at the dealer ● Funds in 1 to 3 days
Best For Lowest total cost of borrowing Existing bank customers & rate discounts Manufacturer 0% promos on new cars Older vehicles lenders won’t finance

General comparison for educational purposes. Manufacturer promotional financing (0 to 2.9% APR offers) through dealers can beat any bank or credit union rate when you qualify. Always compare the promo against a cash rebate plus outside financing.

Auto Loan Payment Calculator

Estimate your monthly payment on a new or used vehicle in Stehekin, Washington. We’ve prefilled the APR with today’s WA new-auto average, or click any current rate on the right to apply it instantly.

$
$
%
Current Rates: Click to Apply
$0
Estimated Monthly Payment
Loan Amount$0
Total Interest Paid$0
Total of All Payments$0
Total Cost incl. Down Payment$0

Estimates include principal and interest only. Sales tax, title, registration, documentation fees, and optional products (GAP, warranties) are not included and are often financed into the loan. Advertised APRs typically require excellent credit; your rate may differ.

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Stehekin, 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 Stehekin, 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 Stehekin, 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.

Bad Credit Auto Loans in Stehekin, Washington

You can get a car loan with bad credit, but your credit score moves the APR more than almost anything else. Lenders sort borrowers into tiers, and the average used car loan for a subprime borrower costs more than twice what a prime borrower pays. On a $25,000 used car loan over 60 months, that gap adds up to about $8,000 in extra interest.

Avg. new car loan we track: 5.97% APR Avg. used car loan we track: 6.70% APR
Credit TierScore RangeNew Car APRUsed Car APR$25,000 Used, 60 Mo.
Super prime781 to 8504.41%6.29%$487/mo
Prime661 to 7806.15%8.81%$517/mo
Near prime601 to 6609.71%13.93%$581/mo
Subprime501 to 60013.52%19.10%$650/mo
Deep subprime300 to 50016.11%21.62%$685/mo

Average APRs from Experian, State of the Automotive Finance Market, Q2 2026 (VantageScore 4.0). Payment is principal and interest only.

Get Preapproved Before the Dealer

A preapproval from a bank or credit union gives you a real rate to compare. Dealers can add a markup to the rate a lender approves, and bad credit car buyers are the easiest to overcharge.

Start With a Credit Union

Federal credit unions cannot charge more than 18% APR on most loans through September 10, 2027, and many will look past your score at your income and history with them.

Put More Money Down

A larger down payment lowers the lender's risk and keeps you from owing more than the car is worth. Even 10% to 20% down can move a borderline application to an approval.

Keep the Term Short

A 72 or 84 month loan lowers the payment but stacks interest on top of an already high APR. Choose a less expensive car before you choose a longer term.

Add a Cosigner

A cosigner with strong credit can get you a prime rate. They are fully responsible for the loan if you miss payments, so only ask someone who understands that.

Be Careful With Buy Here Pay Here

These lots approve almost anyone, but often at the highest legal rates and on older cars. Many do not report on time payments to the credit bureaus, so the loan may not help rebuild your score.

See Bad Credit Car Loans

Frequently Asked Questions about Auto Loans in Stehekin, 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 Stehekin, 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 Stehekin, 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.

Should I get preapproved for an auto loan before visiting a dealer in Stehekin, Washington?

Yes. A preapproval from a bank or credit union serving Stehekin, Washington gives you a real rate to compare against dealer financing and turns you into a cash buyer at the negotiating table. Dealers often mark up the rates they arrange, so walking in with a preapproved offer routinely saves buyers money on the financing side of the deal.

Why are used car loan rates higher than new car rates?

Lenders charge more for used vehicles because they are harder to value, depreciate unpredictably, and carry more repossession risk. The spread between new and used rates is typically 0.5 to 1.5 percentage points. A late-model certified pre-owned vehicle sometimes qualifies for new-car rates, so ask the lender how they classify the vehicle before assuming the used rate applies.

Can I refinance my auto loan if rates drop or my credit improves?

Yes. Auto loan refinancing is usually fast and often fee-free. If your credit score has improved since you bought the vehicle, or you financed at a marked-up dealer rate, refinancing with a bank or credit union serving Stehekin, Washington can lower your monthly payment or shorten your term. It makes the most sense early in the loan, while most of your payments are still going to interest.

Can I get an auto loan with bad credit in Stehekin, Washington?

Yes. Banks, credit unions, and dealer lenders all finance borrowers with subprime credit, but at higher rates. Getting preapproved by a credit union before you visit a dealer, putting more money down, and choosing a shorter term all improve your chances of approval and lower the total cost.

What is the average car loan rate for bad credit?

According to Experian, in the second quarter of 2026 subprime borrowers (scores 501 to 600) paid an average of 13.52% APR on new cars and 19.10% on used cars. Deep subprime borrowers (300 to 500) averaged 16.11% on new and 21.62% on used. Prime borrowers averaged 6.15% and 8.81%.

What are the best Auto Loan rates in Stehekin, Washington?

Based on our current data, some of the lowest auto loan rates available in Stehekin, Washington include:
  • Longshoremen's Local 4 FCU: 1.99% (New vehicle Loan)
  • Spokane City Credit Union: 3.79% (Autos and Motorcycles)
  • Responders Emergency Services Credit Union: 3.79% (New & Used Automobiles)
  • Navy Federal Credit Union: 3.89% (New Auto Loan)
  • Delta Schools Federal Credit Union: 3.99% (New Vehicles Model Year 2025-2026 Loan)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Stehekin, Washington. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: October 13, 2026

Stehekin, Washington Rates & Resources