Auto Loan Rates in Everett, Washington (WA) for July 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Everett, Washington. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Everett, Washington include MountainCrest Credit UnionMountainCrest Credit Union1328 Broadway, Everett, WA, 98201 1718A5.0 ★Texas Ratio: 6.52% offering New Auto at 4.50%, Mill Town Credit UnionMill Town Credit Union3102 Broadway, Everett, WA, 98201 4421A5.0 ★Texas Ratio: 7.98% 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: 3.18% offering Auto Loans at 6.25%, LONGSHOREMENS LOCAL 4LONGSHOREMENS LOCAL 4A+5.0 ★Texas Ratio: 0.85% offering New vehicle Loan at 1.99%, Waterfront Federal Credit UnionWaterfront Federal Credit UnionA+5.0 ★Texas Ratio: 5.62% offering New & Used Autos at 3.64%. Auto loan rates as of July 16, 2026 according to verified data from MonitorBankRates.
Everett has 3 local institutions in our database, with auto loan rates as low as 4.50% 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: July 16, 2026
Compare Auto Loan Rates Today in Everett, Washington & Surrounding Area
Everett Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
MountainCrest Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.52%
1328 Broadway, Everett, WA, 98201 1718
New Auto
4.50%
Up to 84-month term available
▼
APR4.50%
TermUp to 84-month term available
Last UpdatedJul 11, 2026
Details
2024 and newer. Loan to value based on MSRP or NADA retail.
MountainCrest Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.52%
1328 Broadway, Everett, WA, 98201 1718
Used Auto
4.50%
Up to 84-month term available
▼
APR4.50%
TermUp to 84-month term available
Last UpdatedJul 11, 2026
Details
2023 and older. Loan to value based on NADA retail.
Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.98%
3102 Broadway, Everett, WA, 98201 4421
New & Used Auto Loans
5.75%
24 - 48 months
▼
APR5.75%
Term24 - 48 months
Last UpdatedJul 11, 2026
Details
New & Used Auto Loans starting at
Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.98%
3102 Broadway, Everett, WA, 98201 4421
New & Used Auto Loans
6.00%
60 - 72 months
▼
APR6.00%
Term60 - 72 months
Last UpdatedJul 11, 2026
Details
New & Used Auto Loans starting at
Cascade Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
12916 4th Ave W, Everett, WA, 98204
Auto Loans
6.25%
up to 36 months
▼
APR6.25%
Termup to 36 months
Last UpdatedJul 15, 2026
Details
Model years 2016 - 2026
Cascade Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
12916 4th Ave W, Everett, WA, 98204
Auto Loans
6.50%
37 to 48 months
▼
APR6.50%
Term37 to 48 months
Last UpdatedJul 15, 2026
Details
Model years 2016 - 2026
Cascade Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
12916 4th Ave W, Everett, WA, 98204
Auto Loans
6.55%
49 to 60 months
▼
APR6.55%
Term49 to 60 months
Last UpdatedJul 15, 2026
Details
Model years 2016 - 2026
Cascade Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
12916 4th Ave W, Everett, WA, 98204
Auto Loans
6.70%
61 to 72 months
▼
APR6.70%
Term61 to 72 months
Last UpdatedJul 15, 2026
Details
Model years 2016 - 2026
Cascade Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
12916 4th Ave W, Everett, WA, 98204
Auto Loans
6.95%
73 to 84 months
▼
APR6.95%
Term73 to 84 months
Last UpdatedJul 15, 2026
Details
Model years 2016 - 2026, minimum loan amount $15,000
Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.98%
3102 Broadway, Everett, WA, 98201 4421
New & Used Auto Loans
7.00%
84 months
▼
APR7.00%
Term84 months
Last UpdatedJul 11, 2026
Details
New & Used Auto Loans starting at
Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.98%
3102 Broadway, Everett, WA, 98201 4421
New & Used Auto Loans
7.50%
96 months
▼
APR7.50%
Term96 months
Last UpdatedJul 11, 2026
Details
New & Used Auto Loans starting at
Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.98%
3102 Broadway, Everett, WA, 98201 4421
New & Used Auto Loans
8.25%
108 months
▼
APR8.25%
Term108 months
Last UpdatedJul 11, 2026
Details
New & Used Auto Loans starting at
LONGSHOREMENS LOCAL 4
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
New vehicle Loan
1.99%
Up to 84 months
▼
APR1.99%
TermUp to 84 months
Last UpdatedJul 16, 2026
Details
As low as 1.99%
Waterfront Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.62%
New & Used Autos
3.64%
Up to 84 Months
▼
APR3.64%
TermUp to 84 Months
Last UpdatedJul 15, 2026
Details
As Low As; Example: 48 monthly payments of $22.42 for every $1,000 borrowed at 3.64%
EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
New/Used Auto
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedJul 11, 2026
Details
As Low As
EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
New/Used Auto Loans
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedJul 11, 2026
Details
As Low As; Estimated Monthly Payment Examples: 36 monthly payments of $29.53 per $1,000 borrowed
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
New Vehicles Model Year 2025-2026 Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedJul 15, 2026
Details
IBEW 76 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
New Auto
4.00%
up to 84 months
▼
APR4.00%
Termup to 84 months
Last UpdatedJul 15, 2026
Details
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
Used Vehicles Model Year 2020-2024 Loan
4.19%
36 months
▼
APR4.19%
Term36 months
Last UpdatedJul 15, 2026
Details
EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
New/Used Auto
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedJul 11, 2026
Details
As Low As
EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
New/Used Auto Loans
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedJul 11, 2026
Details
As Low As; Estimated Monthly Payment Examples: 48 monthly payments of $22.69 per $1,000 borrowed
Ironworkers USA Federal Credit Union
Institution Rating:
C+4.2 ★ Texas Ratio: 23.15%
New Vehicles Loan
4.24%
36-84 months
▼
APR4.24%
Term36-84 months
Last UpdatedJul 15, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New & Used Autos
4.24%
24 Mos.
▼
APR4.24%
Term24 Mos.
Last UpdatedJul 16, 2026
Details
As Low As; Up to 120% Financing on Approved Credit
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
Autos
4.25%
Up to 96 Months
▼
APR4.25%
TermUp to 96 Months
Last UpdatedJul 11, 2026
Details
As Low As
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New Vehicles (2023 - 2026) Loan
4.25%
0 - 36 months
▼
APR4.25%
Term0 - 36 months
Last UpdatedJul 15, 2026
Details
Up to 125% LTV/Mileage maximum: 150,000
EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
New/Used Auto
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedJul 11, 2026
Details
As Low As
EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
New/Used Auto Loans
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedJul 11, 2026
Details
As Low As; Estimated Monthly Payment Examples: 60 monthly payments of $18.65 per $1,000 borrowed
Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
New Cars Loan
4.49%
up to 72 months
▼
APR4.49%
Termup to 72 months
Last UpdatedJul 15, 2026
Details
0% down OAC
Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
Used Cars Loan
4.49%
up to 72 months
▼
APR4.49%
Termup to 72 months
Last UpdatedJul 15, 2026
Details
up to 10 years old; 0% down OAC
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New & Used Autos
4.49%
48 Mos.
▼
APR4.49%
Term48 Mos.
Last UpdatedJul 16, 2026
Details
As Low As; Up to 120% Financing on Approved Credit
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New and Used Auto Loans
4.49%
60 months
▼
APR4.49%
Term60 months
Last UpdatedJul 16, 2026
Details
As Low As; Promotional Rate
NW Priority Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
Purchase New Auto or Refinance
4.49%
2025 and Newer
▼
APR4.49%
Term2025 and Newer
Last UpdatedJul 16, 2026
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Auto Loan
4.74%
60 Month Term
▼
APR4.74%
Term60 Month Term
Last UpdatedJul 11, 2026
Details
As Low As
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
New Auto
4.74%
4 years / 48 months
▼
APR4.74%
Term4 years / 48 months
Last UpdatedJul 15, 2026
Details
As Low As
Waterfront Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.62%
Used Autos
4.74%
Up to 72 Months
▼
APR4.74%
TermUp to 72 Months
Last UpdatedJul 15, 2026
Details
As Low As; Example: 48 monthly payments of $22.92 for every $1,000 borrowed at 4.74%
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
New Vehicles Model Year 2025-2026 Loan
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedJul 15, 2026
Details
NW Priority Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
Used Auto
4.74%
2016 - 2024
▼
APR4.74%
Term2016 - 2024
Last UpdatedJul 16, 2026
Details
Numerica Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
Auto loans
4.74%
Up to 84 months
▼
APR4.74%
TermUp to 84 months
Last UpdatedJul 16, 2026
Details
EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
New/Used Auto
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedJul 11, 2026
Details
As Low As
EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
New/Used Auto Loans
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedJul 11, 2026
Details
As Low As; Estimated Monthly Payment Examples: 72 monthly payments of $16.00 per $1,000 borrowed
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Used Vehicles (2017 - 2022) Loan
4.85%
0 - 36 months
▼
APR4.85%
Term0 - 36 months
Last UpdatedJul 15, 2026
Details
Up to 100% LTV/Mileage maximum: 150,000
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Auto Loan
4.89%
72 Month Term
▼
APR4.89%
Term72 Month Term
Last UpdatedJul 11, 2026
Details
As Low As
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
New Auto
4.99%
5 years / 60 months
▼
APR4.99%
Term5 years / 60 months
Last UpdatedJul 15, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New & Used Autos
4.99%
72 Mos.
▼
APR4.99%
Term72 Mos.
Last UpdatedJul 16, 2026
Details
As Low As; Up to 120% Financing on Approved Credit
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
2023 & Newer Auto Loans (Cars, trucks & vans)
4.99%
36 - 60 months
▼
APR4.99%
Term36 - 60 months
Last UpdatedJul 16, 2026
Details
Estimated minimum monthly payment: $292.37 based on a 60 month, $15,000 loan at 6.34% APR*
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New Vehicles (2023 - 2026) Loan
5.00%
37 - 48 months
▼
APR5.00%
Term37 - 48 months
Last UpdatedJul 15, 2026
Details
Up to 125% LTV/Mileage maximum: 150,000
IBEW 76 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
Used Auto
5.00%
up to 84 months
▼
APR5.00%
Termup to 84 months
Last UpdatedJul 15, 2026
Details
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Auto Loans
5.04%
36 months
▼
APR5.04%
Term36 months
Last UpdatedJul 11, 2026
Details
As Low As
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
2016-2019 Used Auto Loans (Cars, trucks & vans) 36-60 month
5.14%
60 Month
▼
APR5.14%
Term60 Month
Last UpdatedJul 16, 2026
Details
Estimated minimum monthly payment: $294.48 based on a 60 month, $15,000 loan at 6.64% APR*
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
2020-2022 Used Auto Loans (Cars, trucks & vans) - 36 - 60 months
5.14%
60 Months
▼
APR5.14%
Term60 Months
Last UpdatedJul 16, 2026
Details
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
New Vehicles Model Year 2025-2026 Loan
5.19%
84 Months
▼
APR5.19%
Term84 Months
Last UpdatedJul 15, 2026
Details
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
Used Vehicles Model Year 2020-2024 Loan
5.19%
48 months
▼
APR5.19%
Term48 months
Last UpdatedJul 15, 2026
Details
Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
New Vehicle Loans
5.21%
36 Months
▼
APR5.21%
Term36 Months
Last UpdatedJul 15, 2026
Details
Starting At
North Coast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
New / Used Vehicles Loan
5.22%
1 to 84 Months
▼
APR5.22%
Term1 to 84 Months
Last UpdatedJul 16, 2026
Details
APR* | rate will vary based on term
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
Auto Loans
5.24%
84 months
▼
APR5.24%
Term84 months
Last UpdatedJul 6, 2026
Details
As Low As; Maximum term dependent on purchase price and mileage. Auto loans up to $10,000: maximum term 60 months. Auto loans $20,000 or more: maximum term 84 months. Gas vehicles exceeding 120,000 miles: maximum term 72 months. Add .50% to rate for gas vehicles exceeding 100,000 miles and diesel vehicles exceeding 150,000 miles. Purchase: Front end LTV >100%, add .25%; >110%, add .50%; >120%, add .75%. Maximum LTV 130%. Refinance: Back end LTV >100%, add .25%. Maximum LTV 130%. Add 1% for Drive4Less loans.
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
New Vehicles: Model Year 2025 or newer Loan
5.24%
60 months
▼
APR5.24%
Term60 months
Last UpdatedJul 11, 2026
Details
Sno Falls Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.26%
Used Auto
5.24%
up to 72 months
▼
APR5.24%
Termup to 72 months
Last UpdatedJul 11, 2026
Details
Our Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
New or Used Auto
5.24%
up to 84 Months
▼
APR5.24%
Termup to 84 Months
Last UpdatedJul 11, 2026
Details
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
New Auto
5.24%
6 years / 72 months
▼
APR5.24%
Term6 years / 72 months
Last UpdatedJul 15, 2026
Details
As Low As
Ironworkers USA Federal Credit Union
Institution Rating:
C+4.2 ★ Texas Ratio: 23.15%
Used Vehicles Loan
5.24%
36-84 months
▼
APR5.24%
Term36-84 months
Last UpdatedJul 15, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
2023 & Newer Auto Loans (Cars, trucks & vans)
5.24%
72 months
▼
APR5.24%
Term72 months
Last UpdatedJul 16, 2026
Details
Estimated minimum monthly payment: $252.79 based on a 72 month, $15,000 loan at 6.59% APR*
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
New Low-Speed Vehicle Loan
5.24%
60 months or less
▼
APR5.24%
Term60 months or less
Last UpdatedJul 16, 2026
Details
APR as low as
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
Used Vehicles Model Year 2020-2024 Loan
5.29%
60 months
▼
APR5.29%
Term60 months
Last UpdatedJul 15, 2026
Details
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Auto Loans
5.30%
48 months
▼
APR5.30%
Term48 months
Last UpdatedJul 11, 2026
Details
As Low As
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
NEW AUTO
5.30%
up to 60 months
▼
APR5.30%
Termup to 60 months
Last UpdatedJul 16, 2026
Details
Max $100,000
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
2016-2019 Used Auto Loans (Cars, trucks & vans) 72 months
5.39%
72 months
▼
APR5.39%
Term72 months
Last UpdatedJul 16, 2026
Details
Estimated minimum monthly payment: $254.94 based on a 72 month, $15,000 loan at 6.89% APR*
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
2020-2022 Used Auto Loans (Cars, trucks & vans) - 72 months
5.39%
72 months
▼
APR5.39%
Term72 months
Last UpdatedJul 16, 2026
Details
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
USED AUTO
5.40%
up to 60 months
▼
APR5.40%
Termup to 60 months
Last UpdatedJul 16, 2026
Details
Max $100,000
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
NEW AUTO
5.43%
61 - 72 months
▼
APR5.43%
Term61 - 72 months
Last UpdatedJul 16, 2026
Details
*See Below
IQ Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.02%
2022 & Newer Auto Loan
5.44%
up to 60 months
▼
APR5.44%
Termup to 60 months
Last UpdatedJul 16, 2026
Details
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
New Vehicles: Model Year 2025 or newer Loan
5.49%
72 months
▼
APR5.49%
Term72 months
Last UpdatedJul 11, 2026
Details
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
Used Vehicles: Model Year 2024 or older Loan
5.49%
60 months
▼
APR5.49%
Term60 months
Last UpdatedJul 11, 2026
Details
EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
New/Used Auto
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedJul 11, 2026
Details
As Low As
EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
New/Used Auto Loans
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedJul 11, 2026
Details
As Low As; Estimated Monthly Payment Examples: 84 monthly payments of $14.37 per $1,000 borrowed
Cheney Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
New Auto/Truck Loan
5.49%
up to 72 months
▼
APR5.49%
Termup to 72 months
Last UpdatedJul 15, 2026
Details
Fixed rate; Annual Percentage Rate; Notes: Fixed rate, terms up to 72 months with no more than 12,000 miles.
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
New Auto
5.49%
7 years / 84 months
▼
APR5.49%
Term7 years / 84 months
Last UpdatedJul 15, 2026
Details
As Low As
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
Used Auto
5.49%
4 years / 48 months
▼
APR5.49%
Term4 years / 48 months
Last UpdatedJul 15, 2026
Details
As Low As
Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
New Cars Loan
5.49%
up to 73 - 84 months
▼
APR5.49%
Termup to 73 - 84 months
Last UpdatedJul 15, 2026
Details
0% down OAC
Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
Used Cars Loan
5.49%
up to 73 - 84 months
▼
APR5.49%
Termup to 73 - 84 months
Last UpdatedJul 15, 2026
Details
up to 10 years old; 0% down OAC
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New & Used Autos
5.49%
84 Mos.
▼
APR5.49%
Term84 Mos.
Last UpdatedJul 16, 2026
Details
As Low As; Up to 120% Financing on Approved Credit
IQ Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.02%
2022 & Newer Auto Loan
5.49%
up to 72 months
▼
APR5.49%
Termup to 72 months
Last UpdatedJul 16, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
2023 & Newer Auto Loans (Cars, trucks & vans)
5.49%
84 months
▼
APR5.49%
Term84 months
Last UpdatedJul 16, 2026
Details
Estimated minimum monthly payment: $226.68 based on a 84 month, $15,000 loan at 7.04% APR*
Salal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.66%
New vehicles Loan
5.49%
Up to 84 months
▼
APR5.49%
TermUp to 84 months
Last UpdatedJul 16, 2026
Details
Rates increase without automatic payment; Rates decrease for hybrid and EV loans.
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
New Low-Speed Vehicle Loan
5.49%
61 - 72 months
▼
APR5.49%
Term61 - 72 months
Last UpdatedJul 16, 2026
Details
APR as low as
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New Vehicles (2023 - 2026) Loan
5.50%
49 - 60 months months
▼
APR5.50%
Term49 - 60 months months
Last UpdatedJul 15, 2026
Details
Up to 125% LTV/Mileage maximum: 150,000
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
NEW AUTO
5.53%
*73 - 84 months
▼
APR5.53%
Term*73 - 84 months
Last UpdatedJul 16, 2026
Details
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
New Auto: 2024 and Newer
5.54%
36 months
▼
APR5.54%
Term36 months
Last UpdatedJul 11, 2026
Details
As Low As
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
New Auto: 2024 and Newer - 36 months
5.54%
36 months
▼
APR5.54%
Term36 months
Last UpdatedJul 11, 2026
Details
As Low As
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
USED AUTO
5.54%
61 - 72 months
▼
APR5.54%
Term61 - 72 months
Last UpdatedJul 16, 2026
Details
*See Below
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
Used Vehicles Model Year 2020-2024 Loan
5.59%
84 months
▼
APR5.59%
Term84 months
Last UpdatedJul 15, 2026
Details
Minimum loan $25,000
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Used Vehicles (2017 - 2022) Loan
5.60%
37 - 48 months
▼
APR5.60%
Term37 - 48 months
Last UpdatedJul 15, 2026
Details
Up to 100% LTV/Mileage maximum: 150,000
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Auto Loans
5.62%
60 months
▼
APR5.62%
Term60 months
Last UpdatedJul 11, 2026
Details
As Low As
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
USED AUTO
5.65%
*73 - 84 months
▼
APR5.65%
Term*73 - 84 months
Last UpdatedJul 16, 2026
Details
Strait View Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
New & Used Vehicles Loan
5.69%
Up to 84 months
▼
APR5.69%
TermUp to 84 months
Last UpdatedJul 11, 2026
Details
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
Used Vehicles: Model Year 2024 or older Loan
5.74%
72 months
▼
APR5.74%
Term72 months
Last UpdatedJul 11, 2026
Details
Express Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
New Auto Loan (2024 & Newer) - Includes EV loans
5.74%
5 year
▼
APR5.74%
Term5 year
Last UpdatedJul 11, 2026
Details
Rates are subject to change without notice. Effective as of 1-1-2026. Includes a .25% discount for auto-pay.
Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
New Auto Loan
5.74%
36 months
▼
APR5.74%
Term36 months
Last UpdatedJul 11, 2026
Details
Vehicle Age: 2020+
Cheney Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
Used Auto/Truck Loan
5.74%
up to 72 months
▼
APR5.74%
Termup to 72 months
Last UpdatedJul 15, 2026
Details
Fixed rate; Annual Percentage Rate; Notes: Fixed rate, terms up to 72 months on vehicles up to 10 years old.
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
Used Auto
5.74%
5 years / 60 months
▼
APR5.74%
Term5 years / 60 months
Last UpdatedJul 15, 2026
Details
As Low As
Salal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.66%
Used vehicles Loan
5.74%
Up to 84 months
▼
APR5.74%
TermUp to 84 months
Last UpdatedJul 16, 2026
Details
Rates increase without automatic payment; Rates decrease for hybrid and EV loans.
Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Used Vehicle Loans
5.77%
48 Months
▼
APR5.77%
Term48 Months
Last UpdatedJul 15, 2026
Details
Starting at
IQ Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.02%
2018-2021 Auto Loan
5.79%
up to 60 months
▼
APR5.79%
Termup to 60 months
Last UpdatedJul 16, 2026
Details
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
New Auto: 2024 and Newer
5.80%
48 months
▼
APR5.80%
Term48 months
Last UpdatedJul 11, 2026
Details
As Low As
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
New Auto: 2024 and Newer - 48 months
5.80%
48 months
▼
APR5.80%
Term48 months
Last UpdatedJul 11, 2026
Details
As Low As
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
2020-2022 Used Auto Loans (Cars, trucks & vans) - 84 months
5.84%
84 months
▼
APR5.84%
Term84 months
Last UpdatedJul 16, 2026
Details
Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
New Vehicle Loans
5.93%
60 Months
▼
APR5.93%
Term60 Months
Last UpdatedJul 15, 2026
Details
Starting At
Express Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
Used Car Loan (2023-1999) - Includes EV loans
5.99%
5 year
▼
APR5.99%
Term5 year
Last UpdatedJul 11, 2026
Details
Rates are subject to change without notice. Effective as of 1-1-2026. Includes a .25% discount for auto-pay.
Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
New Auto Loan
5.99%
84 months
▼
APR5.99%
Term84 months
Last UpdatedJul 11, 2026
Details
Loan Amount: $15,000+; Vehicle Age: 2020+
Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
Used Auto Loan
5.99%
36 months
▼
APR5.99%
Term36 months
Last UpdatedJul 11, 2026
Details
Vehicle Age: 2015 - 2019
Cheney Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
New Auto/Truck Loan
5.99%
up to 84 months
▼
APR5.99%
Termup to 84 months
Last UpdatedJul 15, 2026
Details
Fixed rate; Annual Percentage Rate; Notes: Fixed rate, terms up to 84 months with no more than 12,000 miles.
Cheney Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
Used Auto/Truck Loan
5.99%
84 months
▼
APR5.99%
Term84 months
Last UpdatedJul 15, 2026
Details
Fixed rate; Annual Percentage Rate; Notes: 84 months available under certain conditions.
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
Used Auto
5.99%
6 years / 72 months
▼
APR5.99%
Term6 years / 72 months
Last UpdatedJul 15, 2026
Details
As Low As
Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Used Vehicle Loans
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedJul 15, 2026
Details
Starting at
IQ Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.02%
2022 & Newer Auto Loan
5.99%
up to 84 months
▼
APR5.99%
Termup to 84 months
Last UpdatedJul 16, 2026
Details
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New Vehicles (2023 - 2026) Loan
6.00%
61 - 72 months
▼
APR6.00%
Term61 - 72 months
Last UpdatedJul 15, 2026
Details
Up to 125% LTV/Mileage maximum: 150,000
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Auto Loans
6.04%
72 months
▼
APR6.04%
Term72 months
Last UpdatedJul 11, 2026
Details
As Low As
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Used Vehicles (2017 - 2022) Loan
6.10%
49 - 60 months months
▼
APR6.10%
Term49 - 60 months months
Last UpdatedJul 15, 2026
Details
Up to 100% LTV/Mileage maximum: 150,000
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
New Auto: 2024 and Newer
6.12%
60 months
▼
APR6.12%
Term60 months
Last UpdatedJul 11, 2026
Details
As Low As
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
New Auto: 2024 and Newer - 60 months
6.12%
60 months
▼
APR6.12%
Term60 months
Last UpdatedJul 11, 2026
Details
As Low As
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Auto Loans
6.18%
84 months
▼
APR6.18%
Term84 months
Last UpdatedJul 11, 2026
Details
As Low As
IQ Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.02%
2018-2021 Auto Loan
6.19%
up to 72 months
▼
APR6.19%
Termup to 72 months
Last UpdatedJul 16, 2026
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
Used Auto Loan
6.24%
84 months
▼
APR6.24%
Term84 months
Last UpdatedJul 11, 2026
Details
Vehicle Age: 2015 - 2019
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
Used Auto
6.24%
7 years / 84 months
▼
APR6.24%
Term7 years / 84 months
Last UpdatedJul 15, 2026
Details
As Low As
NW Priority Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
Used Auto
6.24%
2015 and Older
▼
APR6.24%
Term2015 and Older
Last UpdatedJul 16, 2026
Details
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
Used Low-Speed Vehicle Loan
6.24%
60 months or less
▼
APR6.24%
Term60 months or less
Last UpdatedJul 16, 2026
Details
APR as low as
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Used Auto: 2011 and Newer
6.25%
36 months
▼
APR6.25%
Term36 months
Last UpdatedJul 11, 2026
Details
As Low As
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
New Vehicles: Model Year 2025 or newer Loan
6.49%
84 months
▼
APR6.49%
Term84 months
Last UpdatedJul 11, 2026
Details
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Used Auto: 2011 and Newer
6.49%
48 months
▼
APR6.49%
Term48 months
Last UpdatedJul 11, 2026
Details
As Low As
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
Used Low-Speed Vehicle Loan
6.49%
61 - 72 months
▼
APR6.49%
Term61 - 72 months
Last UpdatedJul 16, 2026
Details
APR as low as
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New Vehicles (2023 - 2026) Loan
6.50%
73 - 84 months
▼
APR6.50%
Term73 - 84 months
Last UpdatedJul 15, 2026
Details
Up to 125% LTV/Mileage maximum: 150,000
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
New Auto: 2024 and Newer
6.54%
72 months
▼
APR6.54%
Term72 months
Last UpdatedJul 11, 2026
Details
As Low As
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
New Auto: 2024 and Newer - 72 months
6.54%
72 months
▼
APR6.54%
Term72 months
Last UpdatedJul 11, 2026
Details
As Low As
IQ Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.02%
2018-2021 Auto Loan
6.54%
up to 84 months
▼
APR6.54%
Termup to 84 months
Last UpdatedJul 16, 2026
Details
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Used Vehicles (2017 - 2022) Loan
6.60%
61 - 72 months
▼
APR6.60%
Term61 - 72 months
Last UpdatedJul 15, 2026
Details
Up to 100% LTV/Mileage maximum: 150,000
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
New Auto: 2024 and Newer
6.68%
84 months
▼
APR6.68%
Term84 months
Last UpdatedJul 11, 2026
Details
As Low As
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
New Auto: 2024 and Newer - 84 months
6.68%
84 months
▼
APR6.68%
Term84 months
Last UpdatedJul 11, 2026
Details
As Low As
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Used Auto: 2011 and Newer
6.71%
60 months
▼
APR6.71%
Term60 months
Last UpdatedJul 11, 2026
Details
As Low As
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Used Vehicle Loan
6.99%
60 Month Term
▼
APR6.99%
Term60 Month Term
Last UpdatedJul 11, 2026
Details
As Low As
Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
Older Used Cars Loan
6.99%
up to 72 months
▼
APR6.99%
Termup to 72 months
Last UpdatedJul 15, 2026
Details
11-18 years old; requires 10% down
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
Classic Used Vehicles Model Year 1972 and Older Loan
6.99%
36 months
▼
APR6.99%
Term36 months
Last UpdatedJul 15, 2026
Details
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Used Auto: 2011 and Newer
7.16%
72 months
▼
APR7.16%
Term72 months
Last UpdatedJul 11, 2026
Details
As Low As
Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
Used Auto Loan
7.24%
60 months
▼
APR7.24%
Term60 months
Last UpdatedJul 11, 2026
Details
Vehicle Age: 2014 & Older
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
Older Used Vehicles Model Year 2015-2019 Loan
7.24%
36 months
▼
APR7.24%
Term36 months
Last UpdatedJul 15, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
2023 & Newer Auto Loans (Cars, trucks & vans)
7.24%
96 months
▼
APR7.24%
Term96 months
Last UpdatedJul 16, 2026
Details
Estimated minimum monthly payment: $369.38 based on a 96 month, $25,000 loan at 9.24% APR*
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Used Auto: 2011 and Newer
7.30%
84 months
▼
APR7.30%
Term84 months
Last UpdatedJul 11, 2026
Details
As Low As
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Used Vehicles (2017 - 2022) Loan
7.35%
73 - 84 months
▼
APR7.35%
Term73 - 84 months
Last UpdatedJul 15, 2026
Details
Up to 100% LTV/Mileage maximum: 150,000
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
New Vehicles Model Year 2025-2026 Loan
7.39%
96 month
▼
APR7.39%
Term96 month
Last UpdatedJul 15, 2026
Details
A+ A Credit Tier Only
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
OLDER USED AUTO (2015 or older)
7.40%
up to 60 months
▼
APR7.40%
Termup to 60 months
Last UpdatedJul 16, 2026
Details
Max $25,000
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
Classic Used Vehicles Model Year 1972 and Older Loan
7.54%
48 months
▼
APR7.54%
Term48 months
Last UpdatedJul 15, 2026
Details
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
OLDER USED AUTO (2015 or older)
7.54%
61 - 72 months
▼
APR7.54%
Term61 - 72 months
Last UpdatedJul 16, 2026
Details
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
OLDER USED AUTO (2015 or older)
7.65%
73 - 84 months
▼
APR7.65%
Term73 - 84 months
Last UpdatedJul 16, 2026
Details
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
Classic Used Vehicles Model Year 1972 and Older Loan
7.79%
72 months
▼
APR7.79%
Term72 months
Last UpdatedJul 15, 2026
Details
IQ Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.02%
2017 and Older Auto Loan
7.89%
up to 48 months
▼
APR7.89%
Termup to 48 months
Last UpdatedJul 16, 2026
Details
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
Older Used Vehicles Model Year 2015-2019 Loan
8.24%
48 months
▼
APR8.24%
Term48 months
Last UpdatedJul 15, 2026
Details
HAPO Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
All-Terrain, Off-Road Vehicle Loan
8.49%
2018 and Newer
▼
APR8.49%
Term2018 and Newer
Last UpdatedJul 16, 2026
Details
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Classic Car Loan
8.99%
0 - 60 months
▼
APR8.99%
Term0 - 60 months
Last UpdatedJul 15, 2026
Details
Powered by
MonitorBankRates
Everett New Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
MountainCrest Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.52%
1328 Broadway, Everett, WA, 98201 1718
New Auto
4.50%
Up to 84-month term available
▼
APR4.50%
TermUp to 84-month term available
Last UpdatedJul 11, 2026
Details
2024 and newer. Loan to value based on MSRP or NADA retail.
Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.98%
3102 Broadway, Everett, WA, 98201 4421
New & Used Auto Loans
5.75%
24 - 48 months
▼
APR5.75%
Term24 - 48 months
Last UpdatedJul 11, 2026
Details
New & Used Auto Loans starting at
Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.98%
3102 Broadway, Everett, WA, 98201 4421
New & Used Auto Loans
6.00%
60 - 72 months
▼
APR6.00%
Term60 - 72 months
Last UpdatedJul 11, 2026
Details
New & Used Auto Loans starting at
Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.98%
3102 Broadway, Everett, WA, 98201 4421
New & Used Auto Loans
7.00%
84 months
▼
APR7.00%
Term84 months
Last UpdatedJul 11, 2026
Details
New & Used Auto Loans starting at
Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.98%
3102 Broadway, Everett, WA, 98201 4421
New & Used Auto Loans
7.50%
96 months
▼
APR7.50%
Term96 months
Last UpdatedJul 11, 2026
Details
New & Used Auto Loans starting at
Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.98%
3102 Broadway, Everett, WA, 98201 4421
New & Used Auto Loans
8.25%
108 months
▼
APR8.25%
Term108 months
Last UpdatedJul 11, 2026
Details
New & Used Auto Loans starting at
LONGSHOREMENS LOCAL 4
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
New vehicle Loan
1.99%
Up to 84 months
▼
APR1.99%
TermUp to 84 months
Last UpdatedJul 16, 2026
Details
As low as 1.99%
Waterfront Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.62%
New & Used Autos
3.64%
Up to 84 Months
▼
APR3.64%
TermUp to 84 Months
Last UpdatedJul 15, 2026
Details
As Low As; Example: 48 monthly payments of $22.42 for every $1,000 borrowed at 3.64%
EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
New/Used Auto
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedJul 11, 2026
Details
As Low As
EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
New/Used Auto Loans
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedJul 11, 2026
Details
As Low As; Estimated Monthly Payment Examples: 36 monthly payments of $29.53 per $1,000 borrowed
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
New Vehicles Model Year 2025-2026 Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedJul 15, 2026
Details
IBEW 76 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
New Auto
4.00%
up to 84 months
▼
APR4.00%
Termup to 84 months
Last UpdatedJul 15, 2026
Details
EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
New/Used Auto
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedJul 11, 2026
Details
As Low As
EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
New/Used Auto Loans
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedJul 11, 2026
Details
As Low As; Estimated Monthly Payment Examples: 48 monthly payments of $22.69 per $1,000 borrowed
Ironworkers USA Federal Credit Union
Institution Rating:
C+4.2 ★ Texas Ratio: 23.15%
New Vehicles Loan
4.24%
36-84 months
▼
APR4.24%
Term36-84 months
Last UpdatedJul 15, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New & Used Autos
4.24%
24 Mos.
▼
APR4.24%
Term24 Mos.
Last UpdatedJul 16, 2026
Details
As Low As; Up to 120% Financing on Approved Credit
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New Vehicles (2023 - 2026) Loan
4.25%
0 - 36 months
▼
APR4.25%
Term0 - 36 months
Last UpdatedJul 15, 2026
Details
Up to 125% LTV/Mileage maximum: 150,000
EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
New/Used Auto
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedJul 11, 2026
Details
As Low As
EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
New/Used Auto Loans
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedJul 11, 2026
Details
As Low As; Estimated Monthly Payment Examples: 60 monthly payments of $18.65 per $1,000 borrowed
Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
New Cars Loan
4.49%
up to 72 months
▼
APR4.49%
Termup to 72 months
Last UpdatedJul 15, 2026
Details
0% down OAC
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New & Used Autos
4.49%
48 Mos.
▼
APR4.49%
Term48 Mos.
Last UpdatedJul 16, 2026
Details
As Low As; Up to 120% Financing on Approved Credit
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New and Used Auto Loans
4.49%
60 months
▼
APR4.49%
Term60 months
Last UpdatedJul 16, 2026
Details
As Low As; Promotional Rate
NW Priority Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
Purchase New Auto or Refinance
4.49%
2025 and Newer
▼
APR4.49%
Term2025 and Newer
Last UpdatedJul 16, 2026
Details
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
New Auto
4.74%
4 years / 48 months
▼
APR4.74%
Term4 years / 48 months
Last UpdatedJul 15, 2026
Details
As Low As
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
New Vehicles Model Year 2025-2026 Loan
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedJul 15, 2026
Details
EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
New/Used Auto
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedJul 11, 2026
Details
As Low As
EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
New/Used Auto Loans
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedJul 11, 2026
Details
As Low As; Estimated Monthly Payment Examples: 72 monthly payments of $16.00 per $1,000 borrowed
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
New Auto
4.99%
5 years / 60 months
▼
APR4.99%
Term5 years / 60 months
Last UpdatedJul 15, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New & Used Autos
4.99%
72 Mos.
▼
APR4.99%
Term72 Mos.
Last UpdatedJul 16, 2026
Details
As Low As; Up to 120% Financing on Approved Credit
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
2023 & Newer Auto Loans (Cars, trucks & vans)
4.99%
36 - 60 months
▼
APR4.99%
Term36 - 60 months
Last UpdatedJul 16, 2026
Details
Estimated minimum monthly payment: $292.37 based on a 60 month, $15,000 loan at 6.34% APR*
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New Vehicles (2023 - 2026) Loan
5.00%
37 - 48 months
▼
APR5.00%
Term37 - 48 months
Last UpdatedJul 15, 2026
Details
Up to 125% LTV/Mileage maximum: 150,000
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
New Vehicles Model Year 2025-2026 Loan
5.19%
84 Months
▼
APR5.19%
Term84 Months
Last UpdatedJul 15, 2026
Details
Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
New Vehicle Loans
5.21%
36 Months
▼
APR5.21%
Term36 Months
Last UpdatedJul 15, 2026
Details
Starting At
North Coast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
New / Used Vehicles Loan
5.22%
1 to 84 Months
▼
APR5.22%
Term1 to 84 Months
Last UpdatedJul 16, 2026
Details
APR* | rate will vary based on term
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
New Vehicles: Model Year 2025 or newer Loan
5.24%
60 months
▼
APR5.24%
Term60 months
Last UpdatedJul 11, 2026
Details
Our Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
New or Used Auto
5.24%
up to 84 Months
▼
APR5.24%
Termup to 84 Months
Last UpdatedJul 11, 2026
Details
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
New Auto
5.24%
6 years / 72 months
▼
APR5.24%
Term6 years / 72 months
Last UpdatedJul 15, 2026
Details
As Low As
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
2023 & Newer Auto Loans (Cars, trucks & vans)
5.24%
72 months
▼
APR5.24%
Term72 months
Last UpdatedJul 16, 2026
Details
Estimated minimum monthly payment: $252.79 based on a 72 month, $15,000 loan at 6.59% APR*
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
New Low-Speed Vehicle Loan
5.24%
60 months or less
▼
APR5.24%
Term60 months or less
Last UpdatedJul 16, 2026
Details
APR as low as
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
NEW AUTO
5.30%
up to 60 months
▼
APR5.30%
Termup to 60 months
Last UpdatedJul 16, 2026
Details
Max $100,000
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
NEW AUTO
5.43%
61 - 72 months
▼
APR5.43%
Term61 - 72 months
Last UpdatedJul 16, 2026
Details
*See Below
IQ Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.02%
2022 & Newer Auto Loan
5.44%
up to 60 months
▼
APR5.44%
Termup to 60 months
Last UpdatedJul 16, 2026
Details
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
New Vehicles: Model Year 2025 or newer Loan
5.49%
72 months
▼
APR5.49%
Term72 months
Last UpdatedJul 11, 2026
Details
EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
New/Used Auto
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedJul 11, 2026
Details
As Low As
EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
New/Used Auto Loans
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedJul 11, 2026
Details
As Low As; Estimated Monthly Payment Examples: 84 monthly payments of $14.37 per $1,000 borrowed
Cheney Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
New Auto/Truck Loan
5.49%
up to 72 months
▼
APR5.49%
Termup to 72 months
Last UpdatedJul 15, 2026
Details
Fixed rate; Annual Percentage Rate; Notes: Fixed rate, terms up to 72 months with no more than 12,000 miles.
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
New Auto
5.49%
7 years / 84 months
▼
APR5.49%
Term7 years / 84 months
Last UpdatedJul 15, 2026
Details
As Low As
Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
New Cars Loan
5.49%
up to 73 - 84 months
▼
APR5.49%
Termup to 73 - 84 months
Last UpdatedJul 15, 2026
Details
0% down OAC
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New & Used Autos
5.49%
84 Mos.
▼
APR5.49%
Term84 Mos.
Last UpdatedJul 16, 2026
Details
As Low As; Up to 120% Financing on Approved Credit
IQ Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.02%
2022 & Newer Auto Loan
5.49%
up to 72 months
▼
APR5.49%
Termup to 72 months
Last UpdatedJul 16, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
2023 & Newer Auto Loans (Cars, trucks & vans)
5.49%
84 months
▼
APR5.49%
Term84 months
Last UpdatedJul 16, 2026
Details
Estimated minimum monthly payment: $226.68 based on a 84 month, $15,000 loan at 7.04% APR*
Salal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.66%
New vehicles Loan
5.49%
Up to 84 months
▼
APR5.49%
TermUp to 84 months
Last UpdatedJul 16, 2026
Details
Rates increase without automatic payment; Rates decrease for hybrid and EV loans.
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
New Low-Speed Vehicle Loan
5.49%
61 - 72 months
▼
APR5.49%
Term61 - 72 months
Last UpdatedJul 16, 2026
Details
APR as low as
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New Vehicles (2023 - 2026) Loan
5.50%
49 - 60 months months
▼
APR5.50%
Term49 - 60 months months
Last UpdatedJul 15, 2026
Details
Up to 125% LTV/Mileage maximum: 150,000
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
NEW AUTO
5.53%
*73 - 84 months
▼
APR5.53%
Term*73 - 84 months
Last UpdatedJul 16, 2026
Details
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
New Auto: 2024 and Newer
5.54%
36 months
▼
APR5.54%
Term36 months
Last UpdatedJul 11, 2026
Details
As Low As
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
New Auto: 2024 and Newer - 36 months
5.54%
36 months
▼
APR5.54%
Term36 months
Last UpdatedJul 11, 2026
Details
As Low As
Strait View Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
New & Used Vehicles Loan
5.69%
Up to 84 months
▼
APR5.69%
TermUp to 84 months
Last UpdatedJul 11, 2026
Details
Express Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
New Auto Loan (2024 & Newer) - Includes EV loans
5.74%
5 year
▼
APR5.74%
Term5 year
Last UpdatedJul 11, 2026
Details
Rates are subject to change without notice. Effective as of 1-1-2026. Includes a .25% discount for auto-pay.
Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
New Auto Loan
5.74%
36 months
▼
APR5.74%
Term36 months
Last UpdatedJul 11, 2026
Details
Vehicle Age: 2020+
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
New Auto: 2024 and Newer
5.80%
48 months
▼
APR5.80%
Term48 months
Last UpdatedJul 11, 2026
Details
As Low As
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
New Auto: 2024 and Newer - 48 months
5.80%
48 months
▼
APR5.80%
Term48 months
Last UpdatedJul 11, 2026
Details
As Low As
Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
New Vehicle Loans
5.93%
60 Months
▼
APR5.93%
Term60 Months
Last UpdatedJul 15, 2026
Details
Starting At
Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
New Auto Loan
5.99%
84 months
▼
APR5.99%
Term84 months
Last UpdatedJul 11, 2026
Details
Loan Amount: $15,000+; Vehicle Age: 2020+
Cheney Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
New Auto/Truck Loan
5.99%
up to 84 months
▼
APR5.99%
Termup to 84 months
Last UpdatedJul 15, 2026
Details
Fixed rate; Annual Percentage Rate; Notes: Fixed rate, terms up to 84 months with no more than 12,000 miles.
IQ Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.02%
2022 & Newer Auto Loan
5.99%
up to 84 months
▼
APR5.99%
Termup to 84 months
Last UpdatedJul 16, 2026
Details
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New Vehicles (2023 - 2026) Loan
6.00%
61 - 72 months
▼
APR6.00%
Term61 - 72 months
Last UpdatedJul 15, 2026
Details
Up to 125% LTV/Mileage maximum: 150,000
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
New Auto: 2024 and Newer
6.12%
60 months
▼
APR6.12%
Term60 months
Last UpdatedJul 11, 2026
Details
As Low As
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
New Auto: 2024 and Newer - 60 months
6.12%
60 months
▼
APR6.12%
Term60 months
Last UpdatedJul 11, 2026
Details
As Low As
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Used Auto: 2011 and Newer
6.25%
36 months
▼
APR6.25%
Term36 months
Last UpdatedJul 11, 2026
Details
As Low As
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
New Vehicles: Model Year 2025 or newer Loan
6.49%
84 months
▼
APR6.49%
Term84 months
Last UpdatedJul 11, 2026
Details
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Used Auto: 2011 and Newer
6.49%
48 months
▼
APR6.49%
Term48 months
Last UpdatedJul 11, 2026
Details
As Low As
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New Vehicles (2023 - 2026) Loan
6.50%
73 - 84 months
▼
APR6.50%
Term73 - 84 months
Last UpdatedJul 15, 2026
Details
Up to 125% LTV/Mileage maximum: 150,000
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
New Auto: 2024 and Newer
6.54%
72 months
▼
APR6.54%
Term72 months
Last UpdatedJul 11, 2026
Details
As Low As
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
New Auto: 2024 and Newer - 72 months
6.54%
72 months
▼
APR6.54%
Term72 months
Last UpdatedJul 11, 2026
Details
As Low As
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
New Auto: 2024 and Newer
6.68%
84 months
▼
APR6.68%
Term84 months
Last UpdatedJul 11, 2026
Details
As Low As
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
New Auto: 2024 and Newer - 84 months
6.68%
84 months
▼
APR6.68%
Term84 months
Last UpdatedJul 11, 2026
Details
As Low As
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Used Auto: 2011 and Newer
6.71%
60 months
▼
APR6.71%
Term60 months
Last UpdatedJul 11, 2026
Details
As Low As
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Used Auto: 2011 and Newer
7.16%
72 months
▼
APR7.16%
Term72 months
Last UpdatedJul 11, 2026
Details
As Low As
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
2023 & Newer Auto Loans (Cars, trucks & vans)
7.24%
96 months
▼
APR7.24%
Term96 months
Last UpdatedJul 16, 2026
Details
Estimated minimum monthly payment: $369.38 based on a 96 month, $25,000 loan at 9.24% APR*
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Used Auto: 2011 and Newer
7.30%
84 months
▼
APR7.30%
Term84 months
Last UpdatedJul 11, 2026
Details
As Low As
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
New Vehicles Model Year 2025-2026 Loan
7.39%
96 month
▼
APR7.39%
Term96 month
Last UpdatedJul 15, 2026
Details
A+ A Credit Tier Only
Powered by
MonitorBankRates
Everett Used Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
MountainCrest Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.52%
1328 Broadway, Everett, WA, 98201 1718
Used Auto
4.50%
Up to 84-month term available
▼
APR4.50%
TermUp to 84-month term available
Last UpdatedJul 11, 2026
Details
2023 and older. Loan to value based on NADA retail.
Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.98%
3102 Broadway, Everett, WA, 98201 4421
New & Used Auto Loans
5.75%
24 - 48 months
▼
APR5.75%
Term24 - 48 months
Last UpdatedJul 11, 2026
Details
New & Used Auto Loans starting at
Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.98%
3102 Broadway, Everett, WA, 98201 4421
New & Used Auto Loans
6.00%
60 - 72 months
▼
APR6.00%
Term60 - 72 months
Last UpdatedJul 11, 2026
Details
New & Used Auto Loans starting at
Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.98%
3102 Broadway, Everett, WA, 98201 4421
New & Used Auto Loans
7.00%
84 months
▼
APR7.00%
Term84 months
Last UpdatedJul 11, 2026
Details
New & Used Auto Loans starting at
Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.98%
3102 Broadway, Everett, WA, 98201 4421
New & Used Auto Loans
7.50%
96 months
▼
APR7.50%
Term96 months
Last UpdatedJul 11, 2026
Details
New & Used Auto Loans starting at
Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.98%
3102 Broadway, Everett, WA, 98201 4421
New & Used Auto Loans
8.25%
108 months
▼
APR8.25%
Term108 months
Last UpdatedJul 11, 2026
Details
New & Used Auto Loans starting at
Waterfront Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.62%
New & Used Autos
3.64%
Up to 84 Months
▼
APR3.64%
TermUp to 84 Months
Last UpdatedJul 15, 2026
Details
As Low As; Example: 48 monthly payments of $22.42 for every $1,000 borrowed at 3.64%
EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
New/Used Auto
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedJul 11, 2026
Details
As Low As
EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
New/Used Auto Loans
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedJul 11, 2026
Details
As Low As; Estimated Monthly Payment Examples: 36 monthly payments of $29.53 per $1,000 borrowed
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
Used Vehicles Model Year 2020-2024 Loan
4.19%
36 months
▼
APR4.19%
Term36 months
Last UpdatedJul 15, 2026
Details
EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
New/Used Auto
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedJul 11, 2026
Details
As Low As
EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
New/Used Auto Loans
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedJul 11, 2026
Details
As Low As; Estimated Monthly Payment Examples: 48 monthly payments of $22.69 per $1,000 borrowed
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New & Used Autos
4.24%
24 Mos.
▼
APR4.24%
Term24 Mos.
Last UpdatedJul 16, 2026
Details
As Low As; Up to 120% Financing on Approved Credit
EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
New/Used Auto
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedJul 11, 2026
Details
As Low As
EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
New/Used Auto Loans
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedJul 11, 2026
Details
As Low As; Estimated Monthly Payment Examples: 60 monthly payments of $18.65 per $1,000 borrowed
Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
Used Cars Loan
4.49%
up to 72 months
▼
APR4.49%
Termup to 72 months
Last UpdatedJul 15, 2026
Details
up to 10 years old; 0% down OAC
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New & Used Autos
4.49%
48 Mos.
▼
APR4.49%
Term48 Mos.
Last UpdatedJul 16, 2026
Details
As Low As; Up to 120% Financing on Approved Credit
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New and Used Auto Loans
4.49%
60 months
▼
APR4.49%
Term60 months
Last UpdatedJul 16, 2026
Details
As Low As; Promotional Rate
Waterfront Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.62%
Used Autos
4.74%
Up to 72 Months
▼
APR4.74%
TermUp to 72 Months
Last UpdatedJul 15, 2026
Details
As Low As; Example: 48 monthly payments of $22.92 for every $1,000 borrowed at 4.74%
NW Priority Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
Used Auto
4.74%
2016 - 2024
▼
APR4.74%
Term2016 - 2024
Last UpdatedJul 16, 2026
Details
EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
New/Used Auto
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedJul 11, 2026
Details
As Low As
EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
New/Used Auto Loans
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedJul 11, 2026
Details
As Low As; Estimated Monthly Payment Examples: 72 monthly payments of $16.00 per $1,000 borrowed
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Used Vehicles (2017 - 2022) Loan
4.85%
0 - 36 months
▼
APR4.85%
Term0 - 36 months
Last UpdatedJul 15, 2026
Details
Up to 100% LTV/Mileage maximum: 150,000
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New & Used Autos
4.99%
72 Mos.
▼
APR4.99%
Term72 Mos.
Last UpdatedJul 16, 2026
Details
As Low As; Up to 120% Financing on Approved Credit
IBEW 76 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
Used Auto
5.00%
up to 84 months
▼
APR5.00%
Termup to 84 months
Last UpdatedJul 15, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
2016-2019 Used Auto Loans (Cars, trucks & vans) 36-60 month
5.14%
60 Month
▼
APR5.14%
Term60 Month
Last UpdatedJul 16, 2026
Details
Estimated minimum monthly payment: $294.48 based on a 60 month, $15,000 loan at 6.64% APR*
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
2020-2022 Used Auto Loans (Cars, trucks & vans) - 36 - 60 months
5.14%
60 Months
▼
APR5.14%
Term60 Months
Last UpdatedJul 16, 2026
Details
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
Used Vehicles Model Year 2020-2024 Loan
5.19%
48 months
▼
APR5.19%
Term48 months
Last UpdatedJul 15, 2026
Details
North Coast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
New / Used Vehicles Loan
5.22%
1 to 84 Months
▼
APR5.22%
Term1 to 84 Months
Last UpdatedJul 16, 2026
Details
APR* | rate will vary based on term
Sno Falls Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.26%
Used Auto
5.24%
up to 72 months
▼
APR5.24%
Termup to 72 months
Last UpdatedJul 11, 2026
Details
Our Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
New or Used Auto
5.24%
up to 84 Months
▼
APR5.24%
Termup to 84 Months
Last UpdatedJul 11, 2026
Details
Ironworkers USA Federal Credit Union
Institution Rating:
C+4.2 ★ Texas Ratio: 23.15%
Used Vehicles Loan
5.24%
36-84 months
▼
APR5.24%
Term36-84 months
Last UpdatedJul 15, 2026
Details
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
Used Vehicles Model Year 2020-2024 Loan
5.29%
60 months
▼
APR5.29%
Term60 months
Last UpdatedJul 15, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
2016-2019 Used Auto Loans (Cars, trucks & vans) 72 months
5.39%
72 months
▼
APR5.39%
Term72 months
Last UpdatedJul 16, 2026
Details
Estimated minimum monthly payment: $254.94 based on a 72 month, $15,000 loan at 6.89% APR*
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
2020-2022 Used Auto Loans (Cars, trucks & vans) - 72 months
5.39%
72 months
▼
APR5.39%
Term72 months
Last UpdatedJul 16, 2026
Details
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
USED AUTO
5.40%
up to 60 months
▼
APR5.40%
Termup to 60 months
Last UpdatedJul 16, 2026
Details
Max $100,000
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
Used Vehicles: Model Year 2024 or older Loan
5.49%
60 months
▼
APR5.49%
Term60 months
Last UpdatedJul 11, 2026
Details
EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
New/Used Auto
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedJul 11, 2026
Details
As Low As
EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
New/Used Auto Loans
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedJul 11, 2026
Details
As Low As; Estimated Monthly Payment Examples: 84 monthly payments of $14.37 per $1,000 borrowed
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
Used Auto
5.49%
4 years / 48 months
▼
APR5.49%
Term4 years / 48 months
Last UpdatedJul 15, 2026
Details
As Low As
Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
Used Cars Loan
5.49%
up to 73 - 84 months
▼
APR5.49%
Termup to 73 - 84 months
Last UpdatedJul 15, 2026
Details
up to 10 years old; 0% down OAC
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New & Used Autos
5.49%
84 Mos.
▼
APR5.49%
Term84 Mos.
Last UpdatedJul 16, 2026
Details
As Low As; Up to 120% Financing on Approved Credit
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
USED AUTO
5.54%
61 - 72 months
▼
APR5.54%
Term61 - 72 months
Last UpdatedJul 16, 2026
Details
*See Below
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
Used Vehicles Model Year 2020-2024 Loan
5.59%
84 months
▼
APR5.59%
Term84 months
Last UpdatedJul 15, 2026
Details
Minimum loan $25,000
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Used Vehicles (2017 - 2022) Loan
5.60%
37 - 48 months
▼
APR5.60%
Term37 - 48 months
Last UpdatedJul 15, 2026
Details
Up to 100% LTV/Mileage maximum: 150,000
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
USED AUTO
5.65%
*73 - 84 months
▼
APR5.65%
Term*73 - 84 months
Last UpdatedJul 16, 2026
Details
Strait View Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
New & Used Vehicles Loan
5.69%
Up to 84 months
▼
APR5.69%
TermUp to 84 months
Last UpdatedJul 11, 2026
Details
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
Used Vehicles: Model Year 2024 or older Loan
5.74%
72 months
▼
APR5.74%
Term72 months
Last UpdatedJul 11, 2026
Details
Cheney Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
Used Auto/Truck Loan
5.74%
up to 72 months
▼
APR5.74%
Termup to 72 months
Last UpdatedJul 15, 2026
Details
Fixed rate; Annual Percentage Rate; Notes: Fixed rate, terms up to 72 months on vehicles up to 10 years old.
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
Used Auto
5.74%
5 years / 60 months
▼
APR5.74%
Term5 years / 60 months
Last UpdatedJul 15, 2026
Details
As Low As
Salal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.66%
Used vehicles Loan
5.74%
Up to 84 months
▼
APR5.74%
TermUp to 84 months
Last UpdatedJul 16, 2026
Details
Rates increase without automatic payment; Rates decrease for hybrid and EV loans.
Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Used Vehicle Loans
5.77%
48 Months
▼
APR5.77%
Term48 Months
Last UpdatedJul 15, 2026
Details
Starting at
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
2020-2022 Used Auto Loans (Cars, trucks & vans) - 84 months
5.84%
84 months
▼
APR5.84%
Term84 months
Last UpdatedJul 16, 2026
Details
Express Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
Used Car Loan (2023-1999) - Includes EV loans
5.99%
5 year
▼
APR5.99%
Term5 year
Last UpdatedJul 11, 2026
Details
Rates are subject to change without notice. Effective as of 1-1-2026. Includes a .25% discount for auto-pay.
Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
Used Auto Loan
5.99%
36 months
▼
APR5.99%
Term36 months
Last UpdatedJul 11, 2026
Details
Vehicle Age: 2015 - 2019
Cheney Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
Used Auto/Truck Loan
5.99%
84 months
▼
APR5.99%
Term84 months
Last UpdatedJul 15, 2026
Details
Fixed rate; Annual Percentage Rate; Notes: 84 months available under certain conditions.
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
Used Auto
5.99%
6 years / 72 months
▼
APR5.99%
Term6 years / 72 months
Last UpdatedJul 15, 2026
Details
As Low As
Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Used Vehicle Loans
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedJul 15, 2026
Details
Starting at
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Used Vehicles (2017 - 2022) Loan
6.10%
49 - 60 months months
▼
APR6.10%
Term49 - 60 months months
Last UpdatedJul 15, 2026
Details
Up to 100% LTV/Mileage maximum: 150,000
Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
Used Auto Loan
6.24%
84 months
▼
APR6.24%
Term84 months
Last UpdatedJul 11, 2026
Details
Vehicle Age: 2015 - 2019
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
Used Auto
6.24%
7 years / 84 months
▼
APR6.24%
Term7 years / 84 months
Last UpdatedJul 15, 2026
Details
As Low As
NW Priority Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
Used Auto
6.24%
2015 and Older
▼
APR6.24%
Term2015 and Older
Last UpdatedJul 16, 2026
Details
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
Used Low-Speed Vehicle Loan
6.24%
60 months or less
▼
APR6.24%
Term60 months or less
Last UpdatedJul 16, 2026
Details
APR as low as
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Used Auto: 2011 and Newer
6.25%
36 months
▼
APR6.25%
Term36 months
Last UpdatedJul 11, 2026
Details
As Low As
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Used Auto: 2011 and Newer
6.49%
48 months
▼
APR6.49%
Term48 months
Last UpdatedJul 11, 2026
Details
As Low As
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
Used Low-Speed Vehicle Loan
6.49%
61 - 72 months
▼
APR6.49%
Term61 - 72 months
Last UpdatedJul 16, 2026
Details
APR as low as
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Used Vehicles (2017 - 2022) Loan
6.60%
61 - 72 months
▼
APR6.60%
Term61 - 72 months
Last UpdatedJul 15, 2026
Details
Up to 100% LTV/Mileage maximum: 150,000
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Used Auto: 2011 and Newer
6.71%
60 months
▼
APR6.71%
Term60 months
Last UpdatedJul 11, 2026
Details
As Low As
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Used Vehicle Loan
6.99%
60 Month Term
▼
APR6.99%
Term60 Month Term
Last UpdatedJul 11, 2026
Details
As Low As
Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
Older Used Cars Loan
6.99%
up to 72 months
▼
APR6.99%
Termup to 72 months
Last UpdatedJul 15, 2026
Details
11-18 years old; requires 10% down
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
Classic Used Vehicles Model Year 1972 and Older Loan
6.99%
36 months
▼
APR6.99%
Term36 months
Last UpdatedJul 15, 2026
Details
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Used Auto: 2011 and Newer
7.16%
72 months
▼
APR7.16%
Term72 months
Last UpdatedJul 11, 2026
Details
As Low As
Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
Used Auto Loan
7.24%
60 months
▼
APR7.24%
Term60 months
Last UpdatedJul 11, 2026
Details
Vehicle Age: 2014 & Older
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
Older Used Vehicles Model Year 2015-2019 Loan
7.24%
36 months
▼
APR7.24%
Term36 months
Last UpdatedJul 15, 2026
Details
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Used Auto: 2011 and Newer
7.30%
84 months
▼
APR7.30%
Term84 months
Last UpdatedJul 11, 2026
Details
As Low As
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Used Vehicles (2017 - 2022) Loan
7.35%
73 - 84 months
▼
APR7.35%
Term73 - 84 months
Last UpdatedJul 15, 2026
Details
Up to 100% LTV/Mileage maximum: 150,000
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
OLDER USED AUTO (2015 or older)
7.40%
up to 60 months
▼
APR7.40%
Termup to 60 months
Last UpdatedJul 16, 2026
Details
Max $25,000
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
Classic Used Vehicles Model Year 1972 and Older Loan
7.54%
48 months
▼
APR7.54%
Term48 months
Last UpdatedJul 15, 2026
Details
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
OLDER USED AUTO (2015 or older)
7.54%
61 - 72 months
▼
APR7.54%
Term61 - 72 months
Last UpdatedJul 16, 2026
Details
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
OLDER USED AUTO (2015 or older)
7.65%
73 - 84 months
▼
APR7.65%
Term73 - 84 months
Last UpdatedJul 16, 2026
Details
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
Classic Used Vehicles Model Year 1972 and Older Loan
7.79%
72 months
▼
APR7.79%
Term72 months
Last UpdatedJul 15, 2026
Details
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
Older Used Vehicles Model Year 2015-2019 Loan
8.24%
48 months
▼
APR8.24%
Term48 months
Last UpdatedJul 15, 2026
Details
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MonitorBankRates
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.
New Auto Loan — WA Avg
5.933%
▲ 0.072 vs 7 days ago
Washington new auto rates rose 0.072 points over the past 7 days to 5.933% APR.
Used Auto Loan — WA Avg
6.311%
▼ 0.069 vs 7 days ago
Washington used auto rates fell 0.069 points over the past 7 days to 6.311% APR.
As of Jul 16, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Everett, 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 Everett, 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 Everett, Washington. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in WA.
Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.
Frequently Asked Questions about Auto Loans in 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: 4.50% (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 Loan)
- Waterfront Federal Credit Union: 3.64% (New & Used Autos)
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: July 16, 2026
Everett, Washington Rates & Resources
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