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Auto Loan Rates in Everett, Washington (WA) for May 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| i Editorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Everett, Washington. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
| ✓Fact Checked | Auto Loan Rates — Last Updated and Verified: May 12, 2026

Current auto loan rates in Everett, Washington include MountainCrest Credit UnionMountainCrest Credit Union1328 Broadway, Everett, WA, 98201 1718A5.0 ★Texas Ratio: 6.83% offering New Auto at 5.00%, Mill Town Credit UnionMill Town Credit Union3102 Broadway, Everett, WA, 98201 4421A5.0 ★Texas Ratio: 8.16% offering New & Used Auto Loans at 5.75%, Cascade Federal Credit UnionCascade Federal Credit Union12916 4th Ave W, Everett, WA, 98204A+5.0 ★Texas Ratio: 3.26% offering Auto Loans at 6.25%, LONGSHOREMENS LOCAL 4LONGSHOREMENS LOCAL 4A+5.0 ★Texas Ratio: 1.72% offering New vehicle at 1.99%, Waterfront Federal Credit UnionWaterfront Federal Credit UnionA+5.0 ★Texas Ratio: 5.80% offering New & Used Autos (2021 & Newer) at 3.64%. Auto loan rates as of May 12, 2026 according to verified data from MonitorBankRates.

Everett has 3 local institutions in our database, with auto loan rates as low as 5.00% APR from MountainCrest Credit Union at 1328 Broadway, Everett, WA, 98201 1718. Use the tabs below to compare new and used auto loan rates. Rates are continually updated — we recommend checking back frequently.

Auto loan rates reflect recent market quotes and representative offers available to borrowers in Everett, Washington. Auto Loan Rates Last Updated and Verified: May 12, 2026

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

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
MountainCrest Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.83%
1328 Broadway, Everett, WA, 98201 1718
New Auto
5.00%
84-month
View
▼
APR5.00%
Term84-month
Last UpdatedMay 12, 2026
Details

2024 and newer. Up to 84-month term available. Loan to value based on MSRP or NADA retail.

MountainCrest Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.83%
1328 Broadway, Everett, WA, 98201 1718
Used Auto
5.00%
72-month
View
▼
APR5.00%
Term72-month
Last UpdatedMay 12, 2026
Details

2023 and older. Up to 72-month term available. Loan to value based on NADA retail.

Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.16%
3102 Broadway, Everett, WA, 98201 4421
New & Used Auto Loans
5.75%
24 - 48
View
▼
APR5.75%
Term24 - 48
Last UpdatedMay 12, 2026
Details

As Low As

Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.16%
3102 Broadway, Everett, WA, 98201 4421
New & Used Auto Loans
6.00%
60 - 72
View
▼
APR6.00%
Term60 - 72
Last UpdatedMay 12, 2026
Details

As Low As

Cascade Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
12916 4th Ave W, Everett, WA, 98204
Auto Loans
6.25%
up to 36 months
View
▼
APR6.25%
Termup to 36 months
Last UpdatedMay 6, 2026
Details

As Low As; Model years 2016 - 2026

Cascade Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
12916 4th Ave W, Everett, WA, 98204
Auto Loans
6.50%
37 to 48 months
View
▼
APR6.50%
Term37 to 48 months
Last UpdatedMay 6, 2026
Details

As Low As; Model years 2016 - 2026

Cascade Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
12916 4th Ave W, Everett, WA, 98204
Auto Loans
6.55%
49 to 60 months
View
▼
APR6.55%
Term49 to 60 months
Last UpdatedMay 6, 2026
Details

As Low As; Model years 2016 - 2026

Cascade Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
12916 4th Ave W, Everett, WA, 98204
Auto Loans
6.70%
61 to 72 months
View
▼
APR6.70%
Term61 to 72 months
Last UpdatedMay 6, 2026
Details

As Low As; Model years 2016 - 2026

Cascade Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
12916 4th Ave W, Everett, WA, 98204
Auto Loans
6.95%
73 to 84 months
View
▼
APR6.95%
Term73 to 84 months
Last UpdatedMay 6, 2026
Details

As Low As; Model years 2016 - 2026, minimum loan amount $15,000

Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.16%
3102 Broadway, Everett, WA, 98201 4421
New & Used Auto Loans
7.00%
84 Months
View
▼
APR7.00%
Term84 Months
Last UpdatedMay 12, 2026
Details

As Low As

Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.16%
3102 Broadway, Everett, WA, 98201 4421
New & Used Auto Loans
7.50%
96 Months
View
▼
APR7.50%
Term96 Months
Last UpdatedMay 12, 2026
Details

As Low As

Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.16%
3102 Broadway, Everett, WA, 98201 4421
New & Used Auto Loans
8.25%
108 Months
View
▼
APR8.25%
Term108 Months
Last UpdatedMay 12, 2026
Details

As Low As

LONGSHOREMENS LOCAL 4
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
New vehicle
1.99%
Up to 84 months
View
▼
APR1.99%
TermUp to 84 months
Last UpdatedMay 12, 2026
Details

As Low As

Waterfront Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.80%
New & Used Autos (2021 & Newer)
3.64%
Up to 84 Months
View
▼
APR3.64%
TermUp to 84 Months
Last UpdatedMay 7, 2026
Details

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Vehicles Model Year 2025-2026
3.99%
36 Months
View
▼
APR3.99%
Term36 Months
Last UpdatedMay 7, 2026
Details

IBEW 76 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
New Auto
4.00%
24 to 84 months
View
▼
APR4.00%
Term24 to 84 months
Last UpdatedApr 18, 2026
Details

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Vehicles Model Year 2020-2024
4.19%
36 Months
View
▼
APR4.19%
Term36 Months
Last UpdatedMay 7, 2026
Details

Ironworkers USA Federal Credit Union
Institution Rating:
C+4.2 ★ Texas Ratio: 24.46%
New Vehicles
4.24%
36-84 months
View
▼
APR4.24%
Term36-84 months
Last UpdatedMay 7, 2026
Details

Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New Vehicles (2023 - 2026)
4.25%
0 - 36
View
▼
APR4.25%
Term0 - 36
Last UpdatedMay 7, 2026
Details

Lewis Clark Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.10%
Autos
4.25%
96 Months
View
▼
APR4.25%
Term96 Months
Last UpdatedMay 12, 2026
Details

As Low As

Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
New Cars
4.49%
72 Months
View
▼
APR4.49%
Term72 Months
Last UpdatedMay 6, 2026
Details

0% down OAC

Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
Used Cars
4.49%
72 Months
View
▼
APR4.49%
Term72 Months
Last UpdatedMay 6, 2026
Details

up to 10 years old; 0% down OAC

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
4.49%
24 Months
View
▼
APR4.49%
Term24 Months
Last UpdatedMay 10, 2026
Details

As Low As

NW Priority Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
Purchase New Auto or Refinance
4.49%
2025 and Newer
View
▼
APR4.49%
Term2025 and Newer
Last UpdatedMay 10, 2026
Details

Waterfront Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.80%
Used Autos (2020 & Older)
4.74%
Up to 72 Months
View
▼
APR4.74%
TermUp to 72 Months
Last UpdatedMay 7, 2026
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
4.74%
48 Months
View
▼
APR4.74%
Term48 Months
Last UpdatedMay 10, 2026
Details

As Low As

NW Priority Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
Used Auto
4.74%
2016 - 2024
View
▼
APR4.74%
Term2016 - 2024
Last UpdatedMay 10, 2026
Details

Numerica Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.80%
Auto loans1
4.74%
Up to 84 months
View
▼
APR4.74%
TermUp to 84 months
Last UpdatedMay 10, 2026
Details

Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.96%
Auto Loan
4.74%
60 Months
View
▼
APR4.74%
Term60 Months
Last UpdatedMay 12, 2026
Details

As Low As

Sno Falls Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.77%
New Auto
4.74%
84 Months
View
▼
APR4.74%
Term84 Months
Last UpdatedMay 12, 2026
Details

Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
Auto Loan
4.74%
60 Months
View
▼
APR4.74%
Term60 Months
Last UpdatedMay 12, 2026
Details

As Low As

Strait View Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
New & Used Vehicles
4.75%
Up to 96 months
View
▼
APR4.75%
TermUp to 96 months
Last UpdatedMay 12, 2026
Details

South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New Auto Purchase or Refinance
4.75%
60 Months
View
▼
APR4.75%
Term60 Months
Last UpdatedMay 12, 2026
Details

As Low As; 60 months or less

Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Used Vehicles (2017 - 2022)
4.85%
0 - 36
View
▼
APR4.85%
Term0 - 36
Last UpdatedMay 7, 2026
Details

As Low As

Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
Auto Loan
4.89%
72 Months
View
▼
APR4.89%
Term72 Months
Last UpdatedMay 12, 2026
Details

As Low As

Cheney Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Auto/Truck Loan
4.99%
72 Months
View
▼
APR4.99%
Term72 Months
Last UpdatedMay 6, 2026
Details

As Low As; Fixed rate, terms up to 72 months with no more than 12,000 miles.

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Vehicles Model Year 2025-2026
4.99%
48 Months
View
▼
APR4.99%
Term48 Months
Last UpdatedMay 7, 2026
Details

South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
Used Auto Purchase or Refinance
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedMay 12, 2026
Details

As Low As; 60 months or less

IBEW 76 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
Used Auto
5.00%
24 to 84 months
View
▼
APR5.00%
Term24 to 84 months
Last UpdatedApr 18, 2026
Details

Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New Vehicles (2023 - 2026)
5.00%
37 - 48
View
▼
APR5.00%
Term37 - 48
Last UpdatedMay 7, 2026
Details

South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New Auto Purchase or Refinance
5.00%
72 Months
View
▼
APR5.00%
Term72 Months
Last UpdatedMay 12, 2026
Details

As Low As; 61 - 72 months

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Auto Loans
5.04%
36 Months
View
▼
APR5.04%
Term36 Months
Last UpdatedMay 4, 2026
Details

As Low As

Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.22%
New Autos (2025 or Newer)
5.04%
Up to 36 months
View
▼
APR5.04%
TermUp to 36 months
Last UpdatedMay 10, 2026
Details

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Vehicles Model Year 2020-2024
5.19%
48 Months
View
▼
APR5.19%
Term48 Months
Last UpdatedMay 7, 2026
Details

Idaho Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
Auto Loan
5.19%
48 Months
View
▼
APR5.19%
Term48 Months
Last UpdatedMay 10, 2026
Details

As Low As; *The annual percentage rates (APR) listed are our best rates. Your rate and/or term may vary depending on vehicle age, credit history, and underwriting criteria. Rates updated daily.

North Coast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
New / Used Vehicles
5.22%
1 to 84
View
▼
APR5.22%
Term1 to 84
Last UpdatedMay 10, 2026
Details

Ironworkers USA Federal Credit Union
Institution Rating:
C+4.2 ★ Texas Ratio: 24.46%
Used Vehicles
5.24%
36-84 months
View
▼
APR5.24%
Term36-84 months
Last UpdatedMay 7, 2026
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
5.24%
72 Months
View
▼
APR5.24%
Term72 Months
Last UpdatedMay 10, 2026
Details

As Low As

Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.22%
New Autos (2025 or Newer)
5.24%
37-60 months
View
▼
APR5.24%
Term37-60 months
Last UpdatedMay 10, 2026
Details

Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.96%
New Vehicles
5.24%
60 Months
View
▼
APR5.24%
Term60 Months
Last UpdatedMay 12, 2026
Details

Model Year 2025 or newer

Connection Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.87%
New Auto
5.24%
Up to 60
View
▼
APR5.24%
TermUp to 60
Last UpdatedMay 12, 2026
Details

0-10 model years old

Sno Falls Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.77%
Used Auto
5.24%
72 Months
View
▼
APR5.24%
Term72 Months
Last UpdatedMay 12, 2026
Details

South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
Used Auto Purchase or Refinance
5.24%
72 Months
View
▼
APR5.24%
Term72 Months
Last UpdatedMay 12, 2026
Details

As Low As; 61 - 72 months

Our Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.74%
New or Used Auto
5.24%
up to 84 Months
View
▼
APR5.24%
Termup to 84 Months
Last UpdatedMay 12, 2026
Details

South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New Auto Purchase or Refinance
5.25%
84 Months
View
▼
APR5.25%
Term84 Months
Last UpdatedMay 12, 2026
Details

As Low As; 73 - 84 months

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Auto Loans
5.30%
48 Months
View
▼
APR5.30%
Term48 Months
Last UpdatedMay 4, 2026
Details

As Low As

Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
NEW AUTO - Max
5.30%
up to 60 months
View
▼
APR5.30%
Termup to 60 months
Last UpdatedMay 10, 2026
Details

$100,000; As Low As

Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.22%
New Autos (2025 or Newer)
5.34%
61-66 months
View
▼
APR5.34%
Term61-66 months
Last UpdatedMay 10, 2026
Details

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Vehicles Model Year 2025-2026
5.39%
84 Months
View
▼
APR5.39%
Term84 Months
Last UpdatedMay 7, 2026
Details

min loan $25,000

Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
USED AUTO - Max
5.40%
up to 60 months
View
▼
APR5.40%
Termup to 60 months
Last UpdatedMay 10, 2026
Details

$100,000; As Low As

Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
NEW AUTO - Max
5.43%
61 - 72 months
View
▼
APR5.43%
Term61 - 72 months
Last UpdatedMay 10, 2026
Details

$100,000; As Low As

Idaho Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
Auto Loan
5.44%
60 Months
View
▼
APR5.44%
Term60 Months
Last UpdatedMay 10, 2026
Details

As Low As; *The annual percentage rates (APR) listed are our best rates. Your rate and/or term may vary depending on vehicle age, credit history, and underwriting criteria. Rates updated daily.

Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.22%
New Autos (2025 or Newer)
5.44%
67-75 months
View
▼
APR5.44%
Term67-75 months
Last UpdatedMay 10, 2026
Details

Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
New Cars
5.49%
84 Months
View
▼
APR5.49%
Term84 Months
Last UpdatedMay 6, 2026
Details

0% down OAC

Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
Used Cars
5.49%
84 Months
View
▼
APR5.49%
Term84 Months
Last UpdatedMay 6, 2026
Details

up to 10 years old; 0% down OAC

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Vehicles Model Year 2020-2024
5.49%
60 Months
View
▼
APR5.49%
Term60 Months
Last UpdatedMay 7, 2026
Details

Salal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.12%
New vehicles have never been titled or licensed and used vehicles up to 1 year old
5.49%
Up to 84 months
View
▼
APR5.49%
TermUp to 84 months
Last UpdatedMay 10, 2026
Details

Rates increase without automatic payment; Rates decrease for hybrid and EV loans

Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.96%
New Vehicles
5.49%
72 Months
View
▼
APR5.49%
Term72 Months
Last UpdatedMay 12, 2026
Details

Model Year 2025 or newer

Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.96%
Used Vehicles
5.49%
60 Months
View
▼
APR5.49%
Term60 Months
Last UpdatedMay 12, 2026
Details

Model Year 2024 or older

South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
Used Auto Purchase or Refinance
5.49%
84 Months
View
▼
APR5.49%
Term84 Months
Last UpdatedMay 12, 2026
Details

As Low As; 73 - 84 months

Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New Vehicles (2023 - 2026)
5.50%
49 - 60
View
▼
APR5.50%
Term49 - 60
Last UpdatedMay 7, 2026
Details

Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
NEW AUTO - Max
5.53%
*73 - 84 months
View
▼
APR5.53%
Term*73 - 84 months
Last UpdatedMay 10, 2026
Details

$100,000; As Low As

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
New Auto: 2024 and Newer
5.54%
36 Months
View
▼
APR5.54%
Term36 Months
Last UpdatedMay 4, 2026
Details

As Low As

Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
New Auto
5.54%
Up to 60 months
View
▼
APR5.54%
TermUp to 60 months
Last UpdatedMay 6, 2026
Details

Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
USED AUTO - Max
5.54%
61 - 72 months
View
▼
APR5.54%
Term61 - 72 months
Last UpdatedMay 10, 2026
Details

$100,000; As Low As

Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Used Vehicles (2017 - 2022)
5.60%
37 - 48
View
▼
APR5.60%
Term37 - 48
Last UpdatedMay 7, 2026
Details

As Low As

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Auto Loans
5.62%
60 Months
View
▼
APR5.62%
Term60 Months
Last UpdatedMay 4, 2026
Details

As Low As

Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
New Auto
5.64%
61 - 72 months
View
▼
APR5.64%
Term61 - 72 months
Last UpdatedMay 6, 2026
Details

Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
USED AUTO - Max
5.65%
*73 - 84 months
View
▼
APR5.65%
Term*73 - 84 months
Last UpdatedMay 10, 2026
Details

$100,000; As Low As

Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
Used Auto
5.69%
Up to 60 months
View
▼
APR5.69%
TermUp to 60 months
Last UpdatedMay 6, 2026
Details

Great Northwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
New or Used Auto Loans
5.69%
Up to 84 Months
View
▼
APR5.69%
TermUp to 84 Months
Last UpdatedMay 10, 2026
Details

Interest rate will decrease by .25% if enrolled with credit union automatic payments. Interest Rate Increases: Your rate will increase by 1.0% if the vehicle is more than 10 model years old. Your rate will increase by 1.0% if the vehicle has mileage of 125,000 or more.

Cheney Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
Used Auto/Truck Loan
5.74%
72 Months
View
▼
APR5.74%
Term72 Months
Last UpdatedMay 6, 2026
Details

As Low As; Fixed rate, terms up to 72 months on vehicles up to 10 years old.

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
5.74%
84 Months
View
▼
APR5.74%
Term84 Months
Last UpdatedMay 10, 2026
Details

As Low As

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
Business Auto Loans New auto (2023 and newer)
5.74%
36-60
View
▼
APR5.74%
Term36-60
Last UpdatedMay 10, 2026
Details

Idaho Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
Auto Loan
5.74%
72 Months
View
▼
APR5.74%
Term72 Months
Last UpdatedMay 10, 2026
Details

As Low As; *The annual percentage rates (APR) listed are our best rates. Your rate and/or term may vary depending on vehicle age, credit history, and underwriting criteria. Rates updated daily.

Salal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.12%
Used vehicles that have been titled or licensed and are 2 years old and older
5.74%
Up to 84 months
View
▼
APR5.74%
TermUp to 84 months
Last UpdatedMay 10, 2026
Details

Rates increase without automatic payment; Rates decrease for hybrid and EV loans

Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.96%
Used Vehicles
5.74%
72 Months
View
▼
APR5.74%
Term72 Months
Last UpdatedMay 12, 2026
Details

Model Year 2024 or older

Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
New Auto Loan
5.74%
36 Months
View
▼
APR5.74%
Term36 Months
Last UpdatedMay 12, 2026
Details

As Low As; Loan Amount: No Minimum; Vehicle Age: 2021+

Connection Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.87%
New Auto
5.75%
61-72
View
▼
APR5.75%
Term61-72
Last UpdatedMay 12, 2026
Details

Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
Used Auto
5.79%
61 - 72 months
View
▼
APR5.79%
Term61 - 72 months
Last UpdatedMay 6, 2026
Details

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Vehicles Model Year 2020-2024
5.79%
72 Months
View
▼
APR5.79%
Term72 Months
Last UpdatedMay 7, 2026
Details

min loan $20,000

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
New Auto: 2024 and Newer
5.80%
48 Months
View
▼
APR5.80%
Term48 Months
Last UpdatedMay 4, 2026
Details

As Low As

Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
New Auto
5.84%
73 - 84 months
View
▼
APR5.84%
Term73 - 84 months
Last UpdatedMay 6, 2026
Details

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
Business Auto Loans Used auto (2016-2022)
5.89%
36-60
View
▼
APR5.89%
Term36-60
Last UpdatedMay 10, 2026
Details

Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
Used Auto
5.99%
73 - 84 months
View
▼
APR5.99%
Term73 - 84 months
Last UpdatedMay 6, 2026
Details

Cheney Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Auto/Truck Loan
5.99%
84 Months
View
▼
APR5.99%
Term84 Months
Last UpdatedMay 6, 2026
Details

As Low As; Fixed rate, terms up to 84 months with no more than 12,000 miles.

Cheney Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
Used Auto/Truck Loan
5.99%
84 Months
View
▼
APR5.99%
Term84 Months
Last UpdatedMay 6, 2026
Details

As Low As; 84 months available under certain conditions.

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
Business Auto Loans New auto (2023 and newer)
5.99%
72 Months
View
▼
APR5.99%
Term72 Months
Last UpdatedMay 10, 2026
Details

Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
New Auto Loan
5.99%
84 Months
View
▼
APR5.99%
Term84 Months
Last UpdatedMay 12, 2026
Details

As Low As; Vehicle Age: 2021+

Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
Used Auto Loan
5.99%
36 Months
View
▼
APR5.99%
Term36 Months
Last UpdatedMay 12, 2026
Details

As Low As

Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New Vehicles (2023 - 2026)
6.00%
61 - 72
View
▼
APR6.00%
Term61 - 72
Last UpdatedMay 7, 2026
Details

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Auto Loans
6.04%
72 Months
View
▼
APR6.04%
Term72 Months
Last UpdatedMay 4, 2026
Details

As Low As

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Vehicles Model Year 2020-2024
6.09%
84 Months
View
▼
APR6.09%
Term84 Months
Last UpdatedMay 7, 2026
Details

min loan $25,000

Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Used Vehicles (2017 - 2022)
6.10%
49 - 60
View
▼
APR6.10%
Term49 - 60
Last UpdatedMay 7, 2026
Details

As Low As

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
New Auto: 2024 and Newer
6.12%
60 Months
View
▼
APR6.12%
Term60 Months
Last UpdatedMay 4, 2026
Details

As Low As

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
Business Auto Loans Used auto (2016-2022)
6.14%
72 Months
View
▼
APR6.14%
Term72 Months
Last UpdatedMay 10, 2026
Details

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Auto Loans
6.18%
84 Months
View
▼
APR6.18%
Term84 Months
Last UpdatedMay 4, 2026
Details

As Low As

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
Business Auto Loans New auto (2023 and newer)
6.24%
84 Months
View
▼
APR6.24%
Term84 Months
Last UpdatedMay 10, 2026
Details

NW Priority Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
Used Auto
6.24%
2015 and Older
View
▼
APR6.24%
Term2015 and Older
Last UpdatedMay 10, 2026
Details

Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
Used Auto Loan
6.24%
84 Months
View
▼
APR6.24%
Term84 Months
Last UpdatedMay 12, 2026
Details

As Low As

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Used Auto: 2011 and Newer
6.25%
36 Months
View
▼
APR6.25%
Term36 Months
Last UpdatedMay 4, 2026
Details

As Low As

Connection Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.87%
New Auto
6.25%
73-84
View
▼
APR6.25%
Term73-84
Last UpdatedMay 12, 2026
Details

Connection Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.87%
Used Auto
6.34%
Up to 60
View
▼
APR6.34%
TermUp to 60
Last UpdatedMay 12, 2026
Details

11+ model years old

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Used Auto: 2011 and Newer
6.49%
48 Months
View
▼
APR6.49%
Term48 Months
Last UpdatedMay 4, 2026
Details

As Low As

Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.96%
New Vehicles
6.49%
84 Months
View
▼
APR6.49%
Term84 Months
Last UpdatedMay 12, 2026
Details

Model Year 2025 or newer

Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New Vehicles (2023 - 2026)
6.50%
73 - 84
View
▼
APR6.50%
Term73 - 84
Last UpdatedMay 7, 2026
Details

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
New Auto: 2024 and Newer
6.54%
72 Months
View
▼
APR6.54%
Term72 Months
Last UpdatedMay 4, 2026
Details

As Low As

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
Business Auto Loans Used auto (2020-2022)
6.59%
84 Months
View
▼
APR6.59%
Term84 Months
Last UpdatedMay 10, 2026
Details

Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Used Vehicles (2017 - 2022)
6.60%
61 - 72
View
▼
APR6.60%
Term61 - 72
Last UpdatedMay 7, 2026
Details

As Low As

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
New Auto: 2024 and Newer
6.68%
84 Months
View
▼
APR6.68%
Term84 Months
Last UpdatedMay 4, 2026
Details

As Low As

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Used Auto: 2011 and Newer
6.71%
60 Months
View
▼
APR6.71%
Term60 Months
Last UpdatedMay 4, 2026
Details

As Low As

Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
Older Used Cars
6.99%
72 Months
View
▼
APR6.99%
Term72 Months
Last UpdatedMay 6, 2026
Details

11-18 years old; requires 10% down

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Classic Used Vehicles Model Year 1972 and Older
6.99%
36 Months
View
▼
APR6.99%
Term36 Months
Last UpdatedMay 7, 2026
Details

Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
Used Vehicle
6.99%
60 Months
View
▼
APR6.99%
Term60 Months
Last UpdatedMay 12, 2026
Details

As Low As

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Used Auto: 2011 and Newer
7.16%
72 Months
View
▼
APR7.16%
Term72 Months
Last UpdatedMay 4, 2026
Details

As Low As

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Older Used Vehicles Model Year 2015-2019
7.24%
36 Months
View
▼
APR7.24%
Term36 Months
Last UpdatedMay 7, 2026
Details

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
Business Auto Loans New auto (2023 and newer)
7.24%
96 Months
View
▼
APR7.24%
Term96 Months
Last UpdatedMay 10, 2026
Details

Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
Used Auto Loan
7.24%
60 Months
View
▼
APR7.24%
Term60 Months
Last UpdatedMay 12, 2026
Details

As Low As

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Used Auto: 2011 and Newer
7.30%
84 Months
View
▼
APR7.30%
Term84 Months
Last UpdatedMay 4, 2026
Details

As Low As

Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Used Vehicles (2017 - 2022)
7.35%
73 - 84
View
▼
APR7.35%
Term73 - 84
Last UpdatedMay 7, 2026
Details

As Low As

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Vehicles Model Year 2025-2026
7.39%
96 month
View
▼
APR7.39%
Term96 month
Last UpdatedMay 7, 2026
Details

min loan $45,000 A+ A Credit Tier Only

Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
OLDER USED AUTO (2015 or older) - Max
7.40%
up to 60 months
View
▼
APR7.40%
Termup to 60 months
Last UpdatedMay 10, 2026
Details

$25,000; As Low As

OlyFed Olympia Federal S&L
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
New, Used or Classic Vehicle Loan
7.54%
Choose your term to suit your monthly budget
View
▼
APR7.54%
TermChoose your term to suit your monthly budget
Last UpdatedMay 10, 2026
Details

Your individual financing and the interest rate to which you qualify will be determined by vehicle age and individual credit history

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Classic Used Vehicles Model Year 1972 and Older
7.54%
48 Months
View
▼
APR7.54%
Term48 Months
Last UpdatedMay 7, 2026
Details

Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
OLDER USED AUTO (2015 or older) - Max
7.54%
61 - 72 months
View
▼
APR7.54%
Term61 - 72 months
Last UpdatedMay 10, 2026
Details

$25,000; As Low As

Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
OLDER USED AUTO (2015 or older) - Max
7.65%
73 - 84 months
View
▼
APR7.65%
Term73 - 84 months
Last UpdatedMay 10, 2026
Details

$25,000; As Low As

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Classic Used Vehicles Model Year 1972 and Older
7.79%
72 Months
View
▼
APR7.79%
Term72 Months
Last UpdatedMay 7, 2026
Details

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Older Used Vehicles Model Year 2015-2019
8.24%
48 Months
View
▼
APR8.24%
Term48 Months
Last UpdatedMay 7, 2026
Details

Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Classic Car
8.99%
0 - 60 months
View
▼
APR8.99%
Term0 - 60 months
Last UpdatedMay 7, 2026
Details

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
Business Auto Loans Business specialty vehicle
10.99%
Up to 60
View
▼
APR10.99%
TermUp to 60
Last UpdatedMay 10, 2026
Details

Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Classic Car
13.99%
0 - 60 months
View
▼
APR13.99%
Term0 - 60 months
Last UpdatedMay 7, 2026
Details

North Coast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
New / Used Vehicles
17.47%
1 to 84
View
▼
APR17.47%
Term1 to 84
Last UpdatedMay 10, 2026
Details

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
MountainCrest Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.83%
1328 Broadway, Everett, WA, 98201 1718
New Auto
5.00%
84-month
View
▼
APR5.00%
Term84-month
Last UpdatedMay 12, 2026
Details

2024 and newer. Up to 84-month term available. Loan to value based on MSRP or NADA retail.

Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.16%
3102 Broadway, Everett, WA, 98201 4421
New & Used Auto Loans
5.75%
24 - 48
View
▼
APR5.75%
Term24 - 48
Last UpdatedMay 12, 2026
Details

As Low As

Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.16%
3102 Broadway, Everett, WA, 98201 4421
New & Used Auto Loans
6.00%
60 - 72
View
▼
APR6.00%
Term60 - 72
Last UpdatedMay 12, 2026
Details

As Low As

Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.16%
3102 Broadway, Everett, WA, 98201 4421
New & Used Auto Loans
7.00%
84 Months
View
▼
APR7.00%
Term84 Months
Last UpdatedMay 12, 2026
Details

As Low As

Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.16%
3102 Broadway, Everett, WA, 98201 4421
New & Used Auto Loans
7.50%
96 Months
View
▼
APR7.50%
Term96 Months
Last UpdatedMay 12, 2026
Details

As Low As

Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.16%
3102 Broadway, Everett, WA, 98201 4421
New & Used Auto Loans
8.25%
108 Months
View
▼
APR8.25%
Term108 Months
Last UpdatedMay 12, 2026
Details

As Low As

LONGSHOREMENS LOCAL 4
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
New vehicle
1.99%
Up to 84 months
View
▼
APR1.99%
TermUp to 84 months
Last UpdatedMay 12, 2026
Details

As Low As

Waterfront Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.80%
New & Used Autos (2021 & Newer)
3.64%
Up to 84 Months
View
▼
APR3.64%
TermUp to 84 Months
Last UpdatedMay 7, 2026
Details

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Vehicles Model Year 2025-2026
3.99%
36 Months
View
▼
APR3.99%
Term36 Months
Last UpdatedMay 7, 2026
Details

IBEW 76 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
New Auto
4.00%
24 to 84 months
View
▼
APR4.00%
Term24 to 84 months
Last UpdatedApr 18, 2026
Details

Ironworkers USA Federal Credit Union
Institution Rating:
C+4.2 ★ Texas Ratio: 24.46%
New Vehicles
4.24%
36-84 months
View
▼
APR4.24%
Term36-84 months
Last UpdatedMay 7, 2026
Details

Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New Vehicles (2023 - 2026)
4.25%
0 - 36
View
▼
APR4.25%
Term0 - 36
Last UpdatedMay 7, 2026
Details

Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
New Cars
4.49%
72 Months
View
▼
APR4.49%
Term72 Months
Last UpdatedMay 6, 2026
Details

0% down OAC

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
4.49%
24 Months
View
▼
APR4.49%
Term24 Months
Last UpdatedMay 10, 2026
Details

As Low As

NW Priority Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
Purchase New Auto or Refinance
4.49%
2025 and Newer
View
▼
APR4.49%
Term2025 and Newer
Last UpdatedMay 10, 2026
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
4.74%
48 Months
View
▼
APR4.74%
Term48 Months
Last UpdatedMay 10, 2026
Details

As Low As

Sno Falls Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.77%
New Auto
4.74%
84 Months
View
▼
APR4.74%
Term84 Months
Last UpdatedMay 12, 2026
Details

Strait View Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
New & Used Vehicles
4.75%
Up to 96 months
View
▼
APR4.75%
TermUp to 96 months
Last UpdatedMay 12, 2026
Details

South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New Auto Purchase or Refinance
4.75%
60 Months
View
▼
APR4.75%
Term60 Months
Last UpdatedMay 12, 2026
Details

As Low As; 60 months or less

Cheney Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Auto/Truck Loan
4.99%
72 Months
View
▼
APR4.99%
Term72 Months
Last UpdatedMay 6, 2026
Details

As Low As; Fixed rate, terms up to 72 months with no more than 12,000 miles.

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Vehicles Model Year 2025-2026
4.99%
48 Months
View
▼
APR4.99%
Term48 Months
Last UpdatedMay 7, 2026
Details

Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New Vehicles (2023 - 2026)
5.00%
37 - 48
View
▼
APR5.00%
Term37 - 48
Last UpdatedMay 7, 2026
Details

South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New Auto Purchase or Refinance
5.00%
72 Months
View
▼
APR5.00%
Term72 Months
Last UpdatedMay 12, 2026
Details

As Low As; 61 - 72 months

Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.22%
New Autos (2025 or Newer)
5.04%
Up to 36 months
View
▼
APR5.04%
TermUp to 36 months
Last UpdatedMay 10, 2026
Details

North Coast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
New / Used Vehicles
5.22%
1 to 84
View
▼
APR5.22%
Term1 to 84
Last UpdatedMay 10, 2026
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
5.24%
72 Months
View
▼
APR5.24%
Term72 Months
Last UpdatedMay 10, 2026
Details

As Low As

Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.22%
New Autos (2025 or Newer)
5.24%
37-60 months
View
▼
APR5.24%
Term37-60 months
Last UpdatedMay 10, 2026
Details

Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.96%
New Vehicles
5.24%
60 Months
View
▼
APR5.24%
Term60 Months
Last UpdatedMay 12, 2026
Details

Model Year 2025 or newer

Connection Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.87%
New Auto
5.24%
Up to 60
View
▼
APR5.24%
TermUp to 60
Last UpdatedMay 12, 2026
Details

0-10 model years old

Our Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.74%
New or Used Auto
5.24%
up to 84 Months
View
▼
APR5.24%
Termup to 84 Months
Last UpdatedMay 12, 2026
Details

South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New Auto Purchase or Refinance
5.25%
84 Months
View
▼
APR5.25%
Term84 Months
Last UpdatedMay 12, 2026
Details

As Low As; 73 - 84 months

Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
NEW AUTO - Max
5.30%
up to 60 months
View
▼
APR5.30%
Termup to 60 months
Last UpdatedMay 10, 2026
Details

$100,000; As Low As

Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.22%
New Autos (2025 or Newer)
5.34%
61-66 months
View
▼
APR5.34%
Term61-66 months
Last UpdatedMay 10, 2026
Details

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Vehicles Model Year 2025-2026
5.39%
84 Months
View
▼
APR5.39%
Term84 Months
Last UpdatedMay 7, 2026
Details

min loan $25,000

Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
NEW AUTO - Max
5.43%
61 - 72 months
View
▼
APR5.43%
Term61 - 72 months
Last UpdatedMay 10, 2026
Details

$100,000; As Low As

Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.22%
New Autos (2025 or Newer)
5.44%
67-75 months
View
▼
APR5.44%
Term67-75 months
Last UpdatedMay 10, 2026
Details

Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
New Cars
5.49%
84 Months
View
▼
APR5.49%
Term84 Months
Last UpdatedMay 6, 2026
Details

0% down OAC

Salal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.12%
New vehicles have never been titled or licensed and used vehicles up to 1 year old
5.49%
Up to 84 months
View
▼
APR5.49%
TermUp to 84 months
Last UpdatedMay 10, 2026
Details

Rates increase without automatic payment; Rates decrease for hybrid and EV loans

Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.96%
New Vehicles
5.49%
72 Months
View
▼
APR5.49%
Term72 Months
Last UpdatedMay 12, 2026
Details

Model Year 2025 or newer

Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New Vehicles (2023 - 2026)
5.50%
49 - 60
View
▼
APR5.50%
Term49 - 60
Last UpdatedMay 7, 2026
Details

Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
NEW AUTO - Max
5.53%
*73 - 84 months
View
▼
APR5.53%
Term*73 - 84 months
Last UpdatedMay 10, 2026
Details

$100,000; As Low As

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
New Auto: 2024 and Newer
5.54%
36 Months
View
▼
APR5.54%
Term36 Months
Last UpdatedMay 4, 2026
Details

As Low As

Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
New Auto
5.54%
Up to 60 months
View
▼
APR5.54%
TermUp to 60 months
Last UpdatedMay 6, 2026
Details

Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
New Auto
5.64%
61 - 72 months
View
▼
APR5.64%
Term61 - 72 months
Last UpdatedMay 6, 2026
Details

Great Northwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
New or Used Auto Loans
5.69%
Up to 84 Months
View
▼
APR5.69%
TermUp to 84 Months
Last UpdatedMay 10, 2026
Details

Interest rate will decrease by .25% if enrolled with credit union automatic payments. Interest Rate Increases: Your rate will increase by 1.0% if the vehicle is more than 10 model years old. Your rate will increase by 1.0% if the vehicle has mileage of 125,000 or more.

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
5.74%
84 Months
View
▼
APR5.74%
Term84 Months
Last UpdatedMay 10, 2026
Details

As Low As

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
Business Auto Loans New auto (2023 and newer)
5.74%
36-60
View
▼
APR5.74%
Term36-60
Last UpdatedMay 10, 2026
Details

Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
New Auto Loan
5.74%
36 Months
View
▼
APR5.74%
Term36 Months
Last UpdatedMay 12, 2026
Details

As Low As; Loan Amount: No Minimum; Vehicle Age: 2021+

Connection Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.87%
New Auto
5.75%
61-72
View
▼
APR5.75%
Term61-72
Last UpdatedMay 12, 2026
Details

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
New Auto: 2024 and Newer
5.80%
48 Months
View
▼
APR5.80%
Term48 Months
Last UpdatedMay 4, 2026
Details

As Low As

Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
New Auto
5.84%
73 - 84 months
View
▼
APR5.84%
Term73 - 84 months
Last UpdatedMay 6, 2026
Details

Cheney Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Auto/Truck Loan
5.99%
84 Months
View
▼
APR5.99%
Term84 Months
Last UpdatedMay 6, 2026
Details

As Low As; Fixed rate, terms up to 84 months with no more than 12,000 miles.

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
Business Auto Loans New auto (2023 and newer)
5.99%
72 Months
View
▼
APR5.99%
Term72 Months
Last UpdatedMay 10, 2026
Details

Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
New Auto Loan
5.99%
84 Months
View
▼
APR5.99%
Term84 Months
Last UpdatedMay 12, 2026
Details

As Low As; Vehicle Age: 2021+

Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New Vehicles (2023 - 2026)
6.00%
61 - 72
View
▼
APR6.00%
Term61 - 72
Last UpdatedMay 7, 2026
Details

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
New Auto: 2024 and Newer
6.12%
60 Months
View
▼
APR6.12%
Term60 Months
Last UpdatedMay 4, 2026
Details

As Low As

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
Business Auto Loans New auto (2023 and newer)
6.24%
84 Months
View
▼
APR6.24%
Term84 Months
Last UpdatedMay 10, 2026
Details

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Used Auto: 2011 and Newer
6.25%
36 Months
View
▼
APR6.25%
Term36 Months
Last UpdatedMay 4, 2026
Details

As Low As

Connection Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.87%
New Auto
6.25%
73-84
View
▼
APR6.25%
Term73-84
Last UpdatedMay 12, 2026
Details

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Used Auto: 2011 and Newer
6.49%
48 Months
View
▼
APR6.49%
Term48 Months
Last UpdatedMay 4, 2026
Details

As Low As

Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.96%
New Vehicles
6.49%
84 Months
View
▼
APR6.49%
Term84 Months
Last UpdatedMay 12, 2026
Details

Model Year 2025 or newer

Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New Vehicles (2023 - 2026)
6.50%
73 - 84
View
▼
APR6.50%
Term73 - 84
Last UpdatedMay 7, 2026
Details

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
New Auto: 2024 and Newer
6.54%
72 Months
View
▼
APR6.54%
Term72 Months
Last UpdatedMay 4, 2026
Details

As Low As

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
New Auto: 2024 and Newer
6.68%
84 Months
View
▼
APR6.68%
Term84 Months
Last UpdatedMay 4, 2026
Details

As Low As

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Used Auto: 2011 and Newer
6.71%
60 Months
View
▼
APR6.71%
Term60 Months
Last UpdatedMay 4, 2026
Details

As Low As

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Used Auto: 2011 and Newer
7.16%
72 Months
View
▼
APR7.16%
Term72 Months
Last UpdatedMay 4, 2026
Details

As Low As

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
Business Auto Loans New auto (2023 and newer)
7.24%
96 Months
View
▼
APR7.24%
Term96 Months
Last UpdatedMay 10, 2026
Details

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Used Auto: 2011 and Newer
7.30%
84 Months
View
▼
APR7.30%
Term84 Months
Last UpdatedMay 4, 2026
Details

As Low As

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Vehicles Model Year 2025-2026
7.39%
96 month
View
▼
APR7.39%
Term96 month
Last UpdatedMay 7, 2026
Details

min loan $45,000 A+ A Credit Tier Only

OlyFed Olympia Federal S&L
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
New, Used or Classic Vehicle Loan
7.54%
Choose your term to suit your monthly budget
View
▼
APR7.54%
TermChoose your term to suit your monthly budget
Last UpdatedMay 10, 2026
Details

Your individual financing and the interest rate to which you qualify will be determined by vehicle age and individual credit history

North Coast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
New / Used Vehicles
17.47%
1 to 84
View
▼
APR17.47%
Term1 to 84
Last UpdatedMay 10, 2026
Details

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
MountainCrest Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.83%
1328 Broadway, Everett, WA, 98201 1718
Used Auto
5.00%
72-month
View
▼
APR5.00%
Term72-month
Last UpdatedMay 12, 2026
Details

2023 and older. Up to 72-month term available. Loan to value based on NADA retail.

Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.16%
3102 Broadway, Everett, WA, 98201 4421
New & Used Auto Loans
5.75%
24 - 48
View
▼
APR5.75%
Term24 - 48
Last UpdatedMay 12, 2026
Details

As Low As

Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.16%
3102 Broadway, Everett, WA, 98201 4421
New & Used Auto Loans
6.00%
60 - 72
View
▼
APR6.00%
Term60 - 72
Last UpdatedMay 12, 2026
Details

As Low As

Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.16%
3102 Broadway, Everett, WA, 98201 4421
New & Used Auto Loans
7.00%
84 Months
View
▼
APR7.00%
Term84 Months
Last UpdatedMay 12, 2026
Details

As Low As

Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.16%
3102 Broadway, Everett, WA, 98201 4421
New & Used Auto Loans
7.50%
96 Months
View
▼
APR7.50%
Term96 Months
Last UpdatedMay 12, 2026
Details

As Low As

Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.16%
3102 Broadway, Everett, WA, 98201 4421
New & Used Auto Loans
8.25%
108 Months
View
▼
APR8.25%
Term108 Months
Last UpdatedMay 12, 2026
Details

As Low As

Waterfront Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.80%
New & Used Autos (2021 & Newer)
3.64%
Up to 84 Months
View
▼
APR3.64%
TermUp to 84 Months
Last UpdatedMay 7, 2026
Details

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Vehicles Model Year 2020-2024
4.19%
36 Months
View
▼
APR4.19%
Term36 Months
Last UpdatedMay 7, 2026
Details

Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
Used Cars
4.49%
72 Months
View
▼
APR4.49%
Term72 Months
Last UpdatedMay 6, 2026
Details

up to 10 years old; 0% down OAC

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
4.49%
24 Months
View
▼
APR4.49%
Term24 Months
Last UpdatedMay 10, 2026
Details

As Low As

Waterfront Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.80%
Used Autos (2020 & Older)
4.74%
Up to 72 Months
View
▼
APR4.74%
TermUp to 72 Months
Last UpdatedMay 7, 2026
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
4.74%
48 Months
View
▼
APR4.74%
Term48 Months
Last UpdatedMay 10, 2026
Details

As Low As

NW Priority Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
Used Auto
4.74%
2016 - 2024
View
▼
APR4.74%
Term2016 - 2024
Last UpdatedMay 10, 2026
Details

Strait View Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
New & Used Vehicles
4.75%
Up to 96 months
View
▼
APR4.75%
TermUp to 96 months
Last UpdatedMay 12, 2026
Details

Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Used Vehicles (2017 - 2022)
4.85%
0 - 36
View
▼
APR4.85%
Term0 - 36
Last UpdatedMay 7, 2026
Details

As Low As

South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
Used Auto Purchase or Refinance
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedMay 12, 2026
Details

As Low As; 60 months or less

IBEW 76 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
Used Auto
5.00%
24 to 84 months
View
▼
APR5.00%
Term24 to 84 months
Last UpdatedApr 18, 2026
Details

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Vehicles Model Year 2020-2024
5.19%
48 Months
View
▼
APR5.19%
Term48 Months
Last UpdatedMay 7, 2026
Details

North Coast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
New / Used Vehicles
5.22%
1 to 84
View
▼
APR5.22%
Term1 to 84
Last UpdatedMay 10, 2026
Details

Ironworkers USA Federal Credit Union
Institution Rating:
C+4.2 ★ Texas Ratio: 24.46%
Used Vehicles
5.24%
36-84 months
View
▼
APR5.24%
Term36-84 months
Last UpdatedMay 7, 2026
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
5.24%
72 Months
View
▼
APR5.24%
Term72 Months
Last UpdatedMay 10, 2026
Details

As Low As

Sno Falls Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.77%
Used Auto
5.24%
72 Months
View
▼
APR5.24%
Term72 Months
Last UpdatedMay 12, 2026
Details

South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
Used Auto Purchase or Refinance
5.24%
72 Months
View
▼
APR5.24%
Term72 Months
Last UpdatedMay 12, 2026
Details

As Low As; 61 - 72 months

Our Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.74%
New or Used Auto
5.24%
up to 84 Months
View
▼
APR5.24%
Termup to 84 Months
Last UpdatedMay 12, 2026
Details

Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
USED AUTO - Max
5.40%
up to 60 months
View
▼
APR5.40%
Termup to 60 months
Last UpdatedMay 10, 2026
Details

$100,000; As Low As

Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
Used Cars
5.49%
84 Months
View
▼
APR5.49%
Term84 Months
Last UpdatedMay 6, 2026
Details

up to 10 years old; 0% down OAC

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Vehicles Model Year 2020-2024
5.49%
60 Months
View
▼
APR5.49%
Term60 Months
Last UpdatedMay 7, 2026
Details

Salal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.12%
New vehicles have never been titled or licensed and used vehicles up to 1 year old
5.49%
Up to 84 months
View
▼
APR5.49%
TermUp to 84 months
Last UpdatedMay 10, 2026
Details

Rates increase without automatic payment; Rates decrease for hybrid and EV loans

Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.96%
Used Vehicles
5.49%
60 Months
View
▼
APR5.49%
Term60 Months
Last UpdatedMay 12, 2026
Details

Model Year 2024 or older

South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
Used Auto Purchase or Refinance
5.49%
84 Months
View
▼
APR5.49%
Term84 Months
Last UpdatedMay 12, 2026
Details

As Low As; 73 - 84 months

Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
USED AUTO - Max
5.54%
61 - 72 months
View
▼
APR5.54%
Term61 - 72 months
Last UpdatedMay 10, 2026
Details

$100,000; As Low As

Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Used Vehicles (2017 - 2022)
5.60%
37 - 48
View
▼
APR5.60%
Term37 - 48
Last UpdatedMay 7, 2026
Details

As Low As

Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
USED AUTO - Max
5.65%
*73 - 84 months
View
▼
APR5.65%
Term*73 - 84 months
Last UpdatedMay 10, 2026
Details

$100,000; As Low As

Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
Used Auto
5.69%
Up to 60 months
View
▼
APR5.69%
TermUp to 60 months
Last UpdatedMay 6, 2026
Details

Great Northwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
New or Used Auto Loans
5.69%
Up to 84 Months
View
▼
APR5.69%
TermUp to 84 Months
Last UpdatedMay 10, 2026
Details

Interest rate will decrease by .25% if enrolled with credit union automatic payments. Interest Rate Increases: Your rate will increase by 1.0% if the vehicle is more than 10 model years old. Your rate will increase by 1.0% if the vehicle has mileage of 125,000 or more.

Cheney Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
Used Auto/Truck Loan
5.74%
72 Months
View
▼
APR5.74%
Term72 Months
Last UpdatedMay 6, 2026
Details

As Low As; Fixed rate, terms up to 72 months on vehicles up to 10 years old.

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
5.74%
84 Months
View
▼
APR5.74%
Term84 Months
Last UpdatedMay 10, 2026
Details

As Low As

Salal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.12%
Used vehicles that have been titled or licensed and are 2 years old and older
5.74%
Up to 84 months
View
▼
APR5.74%
TermUp to 84 months
Last UpdatedMay 10, 2026
Details

Rates increase without automatic payment; Rates decrease for hybrid and EV loans

Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.96%
Used Vehicles
5.74%
72 Months
View
▼
APR5.74%
Term72 Months
Last UpdatedMay 12, 2026
Details

Model Year 2024 or older

Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
Used Auto
5.79%
61 - 72 months
View
▼
APR5.79%
Term61 - 72 months
Last UpdatedMay 6, 2026
Details

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Vehicles Model Year 2020-2024
5.79%
72 Months
View
▼
APR5.79%
Term72 Months
Last UpdatedMay 7, 2026
Details

min loan $20,000

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
Business Auto Loans Used auto (2016-2022)
5.89%
36-60
View
▼
APR5.89%
Term36-60
Last UpdatedMay 10, 2026
Details

Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
Used Auto
5.99%
73 - 84 months
View
▼
APR5.99%
Term73 - 84 months
Last UpdatedMay 6, 2026
Details

Cheney Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
Used Auto/Truck Loan
5.99%
84 Months
View
▼
APR5.99%
Term84 Months
Last UpdatedMay 6, 2026
Details

As Low As; 84 months available under certain conditions.

Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
Used Auto Loan
5.99%
36 Months
View
▼
APR5.99%
Term36 Months
Last UpdatedMay 12, 2026
Details

As Low As

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Vehicles Model Year 2020-2024
6.09%
84 Months
View
▼
APR6.09%
Term84 Months
Last UpdatedMay 7, 2026
Details

min loan $25,000

Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Used Vehicles (2017 - 2022)
6.10%
49 - 60
View
▼
APR6.10%
Term49 - 60
Last UpdatedMay 7, 2026
Details

As Low As

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
Business Auto Loans Used auto (2016-2022)
6.14%
72 Months
View
▼
APR6.14%
Term72 Months
Last UpdatedMay 10, 2026
Details

NW Priority Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
Used Auto
6.24%
2015 and Older
View
▼
APR6.24%
Term2015 and Older
Last UpdatedMay 10, 2026
Details

Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
Used Auto Loan
6.24%
84 Months
View
▼
APR6.24%
Term84 Months
Last UpdatedMay 12, 2026
Details

As Low As

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Used Auto: 2011 and Newer
6.25%
36 Months
View
▼
APR6.25%
Term36 Months
Last UpdatedMay 4, 2026
Details

As Low As

Connection Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.87%
Used Auto
6.34%
Up to 60
View
▼
APR6.34%
TermUp to 60
Last UpdatedMay 12, 2026
Details

11+ model years old

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Used Auto: 2011 and Newer
6.49%
48 Months
View
▼
APR6.49%
Term48 Months
Last UpdatedMay 4, 2026
Details

As Low As

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
Business Auto Loans Used auto (2020-2022)
6.59%
84 Months
View
▼
APR6.59%
Term84 Months
Last UpdatedMay 10, 2026
Details

Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Used Vehicles (2017 - 2022)
6.60%
61 - 72
View
▼
APR6.60%
Term61 - 72
Last UpdatedMay 7, 2026
Details

As Low As

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Used Auto: 2011 and Newer
6.71%
60 Months
View
▼
APR6.71%
Term60 Months
Last UpdatedMay 4, 2026
Details

As Low As

Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
Older Used Cars
6.99%
72 Months
View
▼
APR6.99%
Term72 Months
Last UpdatedMay 6, 2026
Details

11-18 years old; requires 10% down

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Classic Used Vehicles Model Year 1972 and Older
6.99%
36 Months
View
▼
APR6.99%
Term36 Months
Last UpdatedMay 7, 2026
Details

Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
Used Vehicle
6.99%
60 Months
View
▼
APR6.99%
Term60 Months
Last UpdatedMay 12, 2026
Details

As Low As

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Used Auto: 2011 and Newer
7.16%
72 Months
View
▼
APR7.16%
Term72 Months
Last UpdatedMay 4, 2026
Details

As Low As

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Older Used Vehicles Model Year 2015-2019
7.24%
36 Months
View
▼
APR7.24%
Term36 Months
Last UpdatedMay 7, 2026
Details

Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
Used Auto Loan
7.24%
60 Months
View
▼
APR7.24%
Term60 Months
Last UpdatedMay 12, 2026
Details

As Low As

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Used Auto: 2011 and Newer
7.30%
84 Months
View
▼
APR7.30%
Term84 Months
Last UpdatedMay 4, 2026
Details

As Low As

Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Used Vehicles (2017 - 2022)
7.35%
73 - 84
View
▼
APR7.35%
Term73 - 84
Last UpdatedMay 7, 2026
Details

As Low As

Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
OLDER USED AUTO (2015 or older) - Max
7.40%
up to 60 months
View
▼
APR7.40%
Termup to 60 months
Last UpdatedMay 10, 2026
Details

$25,000; As Low As

OlyFed Olympia Federal S&L
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
New, Used or Classic Vehicle Loan
7.54%
Choose your term to suit your monthly budget
View
▼
APR7.54%
TermChoose your term to suit your monthly budget
Last UpdatedMay 10, 2026
Details

Your individual financing and the interest rate to which you qualify will be determined by vehicle age and individual credit history

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Classic Used Vehicles Model Year 1972 and Older
7.54%
48 Months
View
▼
APR7.54%
Term48 Months
Last UpdatedMay 7, 2026
Details

Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
OLDER USED AUTO (2015 or older) - Max
7.54%
61 - 72 months
View
▼
APR7.54%
Term61 - 72 months
Last UpdatedMay 10, 2026
Details

$25,000; As Low As

Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
OLDER USED AUTO (2015 or older) - Max
7.65%
73 - 84 months
View
▼
APR7.65%
Term73 - 84 months
Last UpdatedMay 10, 2026
Details

$25,000; As Low As

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Classic Used Vehicles Model Year 1972 and Older
7.79%
72 Months
View
▼
APR7.79%
Term72 Months
Last UpdatedMay 7, 2026
Details

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Older Used Vehicles Model Year 2015-2019
8.24%
48 Months
View
▼
APR8.24%
Term48 Months
Last UpdatedMay 7, 2026
Details

North Coast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
New / Used Vehicles
17.47%
1 to 84
View
▼
APR17.47%
Term1 to 84
Last UpdatedMay 10, 2026
Details

Everett, WA Auto Loan Rate Trends

Compare local Everett, 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
5.733%
▼ 0.061 vs 7 days ago

Washington new auto rates fell 0.061 points over the past 7 days to 5.733% APR.

Used Auto Loan — WA Avg
6.794%
▲ 0.138 vs 7 days ago

Washington used auto rates rose 0.138 points over the past 7 days to 6.794% APR.

As of May 15, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Frequently Asked Questions about Auto Loans in Everett, 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 Everett, 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 Everett, Washington typically offer lower interest rates for new cars because they are easier to value and represent less risk. Used car loans generally carry slightly higher APRs.

How long should my auto loan term be?

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

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

Based on our current data, some of the lowest auto loan rates available in Everett, Washington include:
  • MountainCrest Credit Union: 5.00% (New Auto)
  • Mill Town Credit Union: 5.75% (New & Used Auto Loans)
  • Cascade Federal Credit Union: 6.25% (Auto Loans)
  • LONGSHOREMENS LOCAL 4: 1.99% (New vehicle)
  • Waterfront Federal Credit Union: 3.64% (New & Used Autos (2021 & Newer))
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Everett, Washington. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 12, 2026

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