Auto Loan Rates in Menlo, Washington (WA) for April 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Menlo, Washington. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Menlo, Washington include 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%, Delta Schools Federal Credit UnionDelta Schools Federal Credit UnionA+5.0 ★Texas Ratio: 0.35% offering New Vehicles Model Year 2025-2026 at 3.99%, IBEW 76 Federal Credit UnionIBEW 76 Federal Credit UnionA+5.0 ★Texas Ratio: 3.66% offering New Auto at 4.00%, Ironworkers USA Federal Credit UnionIronworkers USA Federal Credit UnionC+4.2 ★Texas Ratio: 24.46% offering New Vehicles at 4.24%. Auto loan rates as of April 19, 2026 according to verified data from MonitorBankRates.
Menlo borrowers have access to 28 lenders serving the Washington area, with auto loan rates as low as 1.99% APR from LONGSHOREMENS LOCAL 4. Use the tabs below to compare new and used auto loan rates. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Menlo, Washington. Auto Loan Rates Last Updated and Verified: April 19, 2026
Compare Auto Loan Rates Today in Menlo, Washington & Surrounding Area
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
LONGSHOREMENS LOCAL 4
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
New vehicle
1.99%
Up to 84 months
▼
APR1.99%
TermUp to 84 months
Last UpdatedApr 19, 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%
84 Months
▼
APR3.64%
Term84 Months
Last UpdatedApr 18, 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
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedApr 18, 2026
Details
IBEW 76 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
New Auto
4.00%
24 to 84 months
▼
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
▼
APR4.19%
Term36 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
▼
APR4.24%
Term36-84 months
Last UpdatedApr 18, 2026
Details
EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.36%
New/Used Auto Loans
4.24%
36 Months
▼
APR4.24%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New Vehicles (2023 - 2026)
4.25%
0 - 36
▼
APR4.25%
Term0 - 36
Last UpdatedApr 18, 2026
Details
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.10%
Autos
4.25%
Up to 96 Months
▼
APR4.25%
TermUp to 96 Months
Last UpdatedApr 19, 2026
Details
As Low As
Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
New Cars
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedApr 18, 2026
Details
0% down OAC
Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
Used Cars
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedApr 18, 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
▼
APR4.49%
Term24 Months
Last UpdatedApr 18, 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
▼
APR4.49%
Term2025 and Newer
Last UpdatedApr 19, 2026
Details
EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.36%
New/Used Auto Loans
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
New Auto (2021 and Newer)
4.74%
4 years
▼
APR4.74%
Term4 years
Last UpdatedApr 18, 2026
Details
As Low As
Waterfront Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.80%
Used Autos (2020 & Older)
4.74%
72 Months
▼
APR4.74%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As
NW Priority Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
Used Auto
4.74%
2015 - 2024
▼
APR4.74%
Term2015 - 2024
Last UpdatedApr 19, 2026
Details
Sno Falls Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.77%
New Auto
4.74%
84 Months
▼
APR4.74%
Term84 Months
Last UpdatedApr 19, 2026
Details
EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.36%
New/Used Auto Loans
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
Auto Loan
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedApr 19, 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
▼
APR4.75%
TermUp to 96 months
Last UpdatedApr 19, 2026
Details
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New & Used Autos
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As; New Auto Purchase or Refinance
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New Auto Purchase or Refinance
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As; Terms: 60 months or less
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Used Vehicles (2017 - 2022)
4.85%
0 - 36
▼
APR4.85%
Term0 - 36
Last UpdatedApr 18, 2026
Details
APR Range: 17.35%; Up to 100% LTV/Mileage maximum: 150,000
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
Auto Loan
4.89%
72 Months
▼
APR4.89%
Term72 Months
Last UpdatedApr 19, 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
▼
APR4.99%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As; 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: 0.33%
New Auto (2021 and Newer)
4.99%
5 years
▼
APR4.99%
Term5 years
Last UpdatedApr 18, 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
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedApr 18, 2026
Details
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New & Used Autos
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As; Used Auto Purchase or Refinance
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
Used Auto Purchase or Refinance
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As; Terms: 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
▼
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
▼
APR5.00%
Term37 - 48
Last UpdatedApr 18, 2026
Details
MountainCrest Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.83%
New Auto
5.00%
84-month
▼
APR5.00%
Term84-month
Last UpdatedApr 19, 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%
Used Auto
5.00%
72-month
▼
APR5.00%
Term72-month
Last UpdatedApr 19, 2026
Details
2023 and older. Up to 72-month term available. Loan to value based on NADA retail.
EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.36%
New/Used Auto Loans
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New & Used Autos
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As; New Auto Purchase or Refinance
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New Auto Purchase or Refinance
5.00%
61 Months
▼
APR5.00%
Term61 Months
Last UpdatedApr 19, 2026
Details
As Low As; Terms: 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
▼
APR5.04%
TermUp to 36
Last UpdatedApr 19, 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
▼
APR5.19%
Term48 Months
Last UpdatedApr 18, 2026
Details
Idaho Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
Auto Loan
5.19%
48 Months
▼
APR5.19%
Term48 Months
Last UpdatedApr 19, 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.
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
New Auto (2021 and Newer)
5.24%
6 years
▼
APR5.24%
Term6 years
Last UpdatedApr 18, 2026
Details
As Low As
Ironworkers USA Federal Credit Union
Institution Rating:
C+4.2 ★ Texas Ratio: 24.46%
Used Vehicles
5.24%
36-84 months
▼
APR5.24%
Term36-84 months
Last UpdatedApr 18, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedApr 18, 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
▼
APR5.24%
Term37-60
Last UpdatedApr 19, 2026
Details
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.96%
New Vehicles
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedApr 19, 2026
Details
Model Year 2025 or newer
Sno Falls Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.77%
Used Auto
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedApr 19, 2026
Details
Our Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.74%
New or Used Auto
5.24%
up to 84 Months
▼
APR5.24%
Termup to 84 Months
Last UpdatedApr 19, 2026
Details
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New & Used Autos
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As; Used Auto Purchase or Refinance
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
Used Auto Purchase or Refinance
5.24%
61 Months
▼
APR5.24%
Term61 Months
Last UpdatedApr 19, 2026
Details
As Low As; Terms: 61 - 72 months
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New & Used Autos
5.25%
84 Months
▼
APR5.25%
Term84 Months
Last UpdatedApr 19, 2026
Details
As Low As; New Auto Purchase or Refinance
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New Auto Purchase or Refinance
5.25%
73 Months
▼
APR5.25%
Term73 Months
Last UpdatedApr 19, 2026
Details
As Low As; Terms: 73 - 84 months
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
NEW AUTO - Max
5.30%
60 Months
▼
APR5.30%
Term60 Months
Last UpdatedApr 18, 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
▼
APR5.34%
Term61-66
Last UpdatedApr 19, 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
▼
APR5.39%
Term84 Months
Last UpdatedApr 18, 2026
Details
min loan $25,000
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
USED AUTO - Max
5.40%
60 Months
▼
APR5.40%
Term60 Months
Last UpdatedApr 18, 2026
Details
$100,000; As Low As
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
NEW AUTO
5.43%
72 Months
▼
APR5.43%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As
Idaho Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
Auto Loan
5.44%
60 Months
▼
APR5.44%
Term60 Months
Last UpdatedApr 19, 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
▼
APR5.44%
Term67-75
Last UpdatedApr 19, 2026
Details
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
New Auto (2021 and Newer)
5.49%
7 years
▼
APR5.49%
Term7 years
Last UpdatedApr 18, 2026
Details
As Low As
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
Used Auto (Models 2017 - 2020)
5.49%
4 years
▼
APR5.49%
Term4 years
Last UpdatedApr 18, 2026
Details
As Low As
Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
New Cars
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedApr 18, 2026
Details
0% down OAC
Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
Used Cars
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedApr 18, 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
▼
APR5.49%
Term60 Months
Last UpdatedApr 18, 2026
Details
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.96%
New Vehicles
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedApr 19, 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
▼
APR5.49%
Term60 Months
Last UpdatedApr 19, 2026
Details
Model Year 2024 or older
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New & Used Autos
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedApr 19, 2026
Details
As Low As; Used Auto Purchase or Refinance
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
Used Auto Purchase or Refinance
5.49%
73 Months
▼
APR5.49%
Term73 Months
Last UpdatedApr 19, 2026
Details
As Low As; Terms: 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
▼
APR5.50%
Term49 - 60
Last UpdatedApr 18, 2026
Details
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
NEW AUTO
5.53%
84 Months
▼
APR5.53%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
New Auto
5.54%
Up to 60 months
▼
APR5.54%
TermUp to 60 months
Last UpdatedApr 17, 2026
Details
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
USED AUTO
5.54%
72 Months
▼
APR5.54%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Used Vehicles (2017 - 2022)
5.60%
37 - 48
▼
APR5.60%
Term37 - 48
Last UpdatedApr 18, 2026
Details
APR Range: 17.99%; Up to 100% LTV/Mileage maximum: 150,000
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
New Auto
5.64%
61 - 72 months
▼
APR5.64%
Term61 - 72 months
Last UpdatedApr 17, 2026
Details
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
USED AUTO
5.65%
84 Months
▼
APR5.65%
Term84 Months
Last UpdatedApr 18, 2026
Details
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
▼
APR5.69%
TermUp to 60 months
Last UpdatedApr 17, 2026
Details
Great Northwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
Auto Loans New or Used
5.69%
Up to 84 Months
▼
APR5.69%
TermUp to 84 Months
Last UpdatedApr 18, 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
▼
APR5.74%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As; 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: 0.33%
Used Auto (Models 2017 - 2020)
5.74%
5 years
▼
APR5.74%
Term5 years
Last UpdatedApr 18, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As
Idaho Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
Auto Loan
5.74%
72 Months
▼
APR5.74%
Term72 Months
Last UpdatedApr 19, 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.
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.96%
Used Vehicles
5.74%
72 Months
▼
APR5.74%
Term72 Months
Last UpdatedApr 19, 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
▼
APR5.74%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As
EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.36%
New/Used Auto Loans
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedApr 19, 2026
Details
As Low As
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
Used Auto
5.79%
61 - 72 months
▼
APR5.79%
Term61 - 72 months
Last UpdatedApr 17, 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
▼
APR5.79%
Term72 Months
Last UpdatedApr 18, 2026
Details
min loan $20,000
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
New Auto
5.84%
73 - 84 months
▼
APR5.84%
Term73 - 84 months
Last UpdatedApr 17, 2026
Details
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
Used Auto
5.99%
73 - 84 months
▼
APR5.99%
Term73 - 84 months
Last UpdatedApr 17, 2026
Details
Cheney Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Auto/Truck Loan
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedApr 18, 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
▼
APR5.99%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As; 84 months available under certain conditions.
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
Used Auto (Models 2017 - 2020)
5.99%
6 years
▼
APR5.99%
Term6 years
Last UpdatedApr 18, 2026
Details
As Low As
Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
New Auto Loan
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedApr 19, 2026
Details
As Low As
Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
Used Auto Loan
5.99%
36 Months
▼
APR5.99%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New Vehicles (2023 - 2026)
6.00%
61 - 72
▼
APR6.00%
Term61 - 72
Last UpdatedApr 18, 2026
Details
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Vehicles Model Year 2020-2024
6.09%
84 Months
▼
APR6.09%
Term84 Months
Last UpdatedApr 18, 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
▼
APR6.10%
Term49 - 60
Last UpdatedApr 18, 2026
Details
APR Range: 17.99%; Up to 100% LTV/Mileage maximum: 150,000
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
Used Auto (Models 2017 - 2020)
6.24%
7 years
▼
APR6.24%
Term7 years
Last UpdatedApr 18, 2026
Details
As Low As
NW Priority Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
Used Auto
6.24%
2014 and Older
▼
APR6.24%
Term2014 and Older
Last UpdatedApr 19, 2026
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
Used Auto Loan
6.24%
84 Months
▼
APR6.24%
Term84 Months
Last UpdatedApr 19, 2026
Details
As Low As
Cascade Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Auto Loans
6.25%
up to 36 months
▼
APR6.25%
Termup to 36 months
Last UpdatedApr 18, 2026
Details
As Low As; Model years 2016 - 2026
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.96%
New Vehicles
6.49%
84 Months
▼
APR6.49%
Term84 Months
Last UpdatedApr 19, 2026
Details
Model Year 2025 or newer
Cascade Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Auto Loans
6.50%
37 to 48 months
▼
APR6.50%
Term37 to 48 months
Last UpdatedApr 18, 2026
Details
As Low As; Model years 2016 - 2026
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New Vehicles (2023 - 2026)
6.50%
73 - 84
▼
APR6.50%
Term73 - 84
Last UpdatedApr 18, 2026
Details
Cascade Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Auto Loans
6.55%
49 to 60 months
▼
APR6.55%
Term49 to 60 months
Last UpdatedApr 18, 2026
Details
As Low As; Model years 2016 - 2026
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Used Vehicles (2017 - 2022)
6.60%
61 - 72
▼
APR6.60%
Term61 - 72
Last UpdatedApr 18, 2026
Details
APR Range: 17.99%; Up to 100% LTV/Mileage maximum: 150,000
Cascade Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Auto Loans
6.70%
61 to 72 months
▼
APR6.70%
Term61 to 72 months
Last UpdatedApr 18, 2026
Details
As Low As; Model years 2016 - 2026
Cascade Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Auto Loans
6.95%
73 to 84 months
▼
APR6.95%
Term73 to 84 months
Last UpdatedApr 18, 2026
Details
As Low As; Model years 2016 - 2026, minimum loan amount $15,000
Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
Older Used Cars
6.99%
72 Months
▼
APR6.99%
Term72 Months
Last UpdatedApr 18, 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
▼
APR6.99%
Term36 Months
Last UpdatedApr 18, 2026
Details
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
▼
APR7.24%
Term36 Months
Last UpdatedApr 18, 2026
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
Used Auto Loan
7.24%
60 Months
▼
APR7.24%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Used Vehicles (2017 - 2022)
7.35%
73 - 84
▼
APR7.35%
Term73 - 84
Last UpdatedApr 18, 2026
Details
APR Range: 17.99%; Up to 100% LTV/Mileage maximum: 150,000
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Vehicles Model Year 2025-2026
7.39%
96 month
▼
APR7.39%
Term96 month
Last UpdatedApr 18, 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%
60 Months
▼
APR7.40%
Term60 Months
Last UpdatedApr 18, 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
▼
APR7.54%
TermChoose your term to suit your monthly budget
Last UpdatedApr 17, 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
▼
APR7.54%
Term48 Months
Last UpdatedApr 18, 2026
Details
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
OLDER USED AUTO
7.54%
72 Months
▼
APR7.54%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
OLDER USED AUTO
7.65%
84 Months
▼
APR7.65%
Term84 Months
Last UpdatedApr 18, 2026
Details
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
▼
APR7.79%
Term72 Months
Last UpdatedApr 18, 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
▼
APR8.24%
Term48 Months
Last UpdatedApr 18, 2026
Details
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Classic Car
8.99%
0 - 60 months
▼
APR8.99%
Term0 - 60 months
Last UpdatedApr 18, 2026
Details
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Classic Car
13.99%
0 - 60 months
▼
APR13.99%
Term0 - 60 months
Last UpdatedApr 18, 2026
Details
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
LONGSHOREMENS LOCAL 4
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
New vehicle
1.99%
Up to 84 months
▼
APR1.99%
TermUp to 84 months
Last UpdatedApr 19, 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%
84 Months
▼
APR3.64%
Term84 Months
Last UpdatedApr 18, 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
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedApr 18, 2026
Details
IBEW 76 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
New Auto
4.00%
24 to 84 months
▼
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
▼
APR4.24%
Term36-84 months
Last UpdatedApr 18, 2026
Details
EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.36%
New/Used Auto Loans
4.24%
36 Months
▼
APR4.24%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New Vehicles (2023 - 2026)
4.25%
0 - 36
▼
APR4.25%
Term0 - 36
Last UpdatedApr 18, 2026
Details
Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
New Cars
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedApr 18, 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
▼
APR4.49%
Term24 Months
Last UpdatedApr 18, 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
▼
APR4.49%
Term2025 and Newer
Last UpdatedApr 19, 2026
Details
EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.36%
New/Used Auto Loans
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
New Auto (2021 and Newer)
4.74%
4 years
▼
APR4.74%
Term4 years
Last UpdatedApr 18, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As
Sno Falls Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.77%
New Auto
4.74%
84 Months
▼
APR4.74%
Term84 Months
Last UpdatedApr 19, 2026
Details
EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.36%
New/Used Auto Loans
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedApr 19, 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
▼
APR4.75%
TermUp to 96 months
Last UpdatedApr 19, 2026
Details
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New & Used Autos
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As; New Auto Purchase or Refinance
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New Auto Purchase or Refinance
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As; Terms: 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
▼
APR4.99%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As; 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: 0.33%
New Auto (2021 and Newer)
4.99%
5 years
▼
APR4.99%
Term5 years
Last UpdatedApr 18, 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
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedApr 18, 2026
Details
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New & Used Autos
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As; Used Auto Purchase or Refinance
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New Vehicles (2023 - 2026)
5.00%
37 - 48
▼
APR5.00%
Term37 - 48
Last UpdatedApr 18, 2026
Details
MountainCrest Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.83%
New Auto
5.00%
84-month
▼
APR5.00%
Term84-month
Last UpdatedApr 19, 2026
Details
2024 and newer. Up to 84-month term available. Loan to value based on MSRP or NADA retail.
EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.36%
New/Used Auto Loans
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New & Used Autos
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As; New Auto Purchase or Refinance
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New Auto Purchase or Refinance
5.00%
61 Months
▼
APR5.00%
Term61 Months
Last UpdatedApr 19, 2026
Details
As Low As; Terms: 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
▼
APR5.04%
TermUp to 36
Last UpdatedApr 19, 2026
Details
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
New Auto (2021 and Newer)
5.24%
6 years
▼
APR5.24%
Term6 years
Last UpdatedApr 18, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedApr 18, 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
▼
APR5.24%
Term37-60
Last UpdatedApr 19, 2026
Details
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.96%
New Vehicles
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedApr 19, 2026
Details
Model Year 2025 or newer
Our Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.74%
New or Used Auto
5.24%
up to 84 Months
▼
APR5.24%
Termup to 84 Months
Last UpdatedApr 19, 2026
Details
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New & Used Autos
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As; Used Auto Purchase or Refinance
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New & Used Autos
5.25%
84 Months
▼
APR5.25%
Term84 Months
Last UpdatedApr 19, 2026
Details
As Low As; New Auto Purchase or Refinance
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New Auto Purchase or Refinance
5.25%
73 Months
▼
APR5.25%
Term73 Months
Last UpdatedApr 19, 2026
Details
As Low As; Terms: 73 - 84 months
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
NEW AUTO - Max
5.30%
60 Months
▼
APR5.30%
Term60 Months
Last UpdatedApr 18, 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
▼
APR5.34%
Term61-66
Last UpdatedApr 19, 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
▼
APR5.39%
Term84 Months
Last UpdatedApr 18, 2026
Details
min loan $25,000
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
NEW AUTO
5.43%
72 Months
▼
APR5.43%
Term72 Months
Last UpdatedApr 18, 2026
Details
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
▼
APR5.44%
Term67-75
Last UpdatedApr 19, 2026
Details
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
New Auto (2021 and Newer)
5.49%
7 years
▼
APR5.49%
Term7 years
Last UpdatedApr 18, 2026
Details
As Low As
Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
New Cars
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedApr 18, 2026
Details
0% down OAC
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.96%
New Vehicles
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedApr 19, 2026
Details
Model Year 2025 or newer
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New & Used Autos
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedApr 19, 2026
Details
As Low As; Used Auto Purchase or Refinance
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New Vehicles (2023 - 2026)
5.50%
49 - 60
▼
APR5.50%
Term49 - 60
Last UpdatedApr 18, 2026
Details
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
NEW AUTO
5.53%
84 Months
▼
APR5.53%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
New Auto
5.54%
Up to 60 months
▼
APR5.54%
TermUp to 60 months
Last UpdatedApr 17, 2026
Details
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
New Auto
5.64%
61 - 72 months
▼
APR5.64%
Term61 - 72 months
Last UpdatedApr 17, 2026
Details
Great Northwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
Auto Loans New or Used
5.69%
Up to 84 Months
▼
APR5.69%
TermUp to 84 Months
Last UpdatedApr 18, 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
▼
APR5.74%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As
Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
New Auto Loan
5.74%
36 Months
▼
APR5.74%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As
EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.36%
New/Used Auto Loans
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedApr 19, 2026
Details
As Low As
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
New Auto
5.84%
73 - 84 months
▼
APR5.84%
Term73 - 84 months
Last UpdatedApr 17, 2026
Details
Cheney Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Auto/Truck Loan
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As; Fixed rate, terms up to 84 months with no more than 12,000 miles.
Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
New Auto Loan
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedApr 19, 2026
Details
As Low As
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New Vehicles (2023 - 2026)
6.00%
61 - 72
▼
APR6.00%
Term61 - 72
Last UpdatedApr 18, 2026
Details
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.96%
New Vehicles
6.49%
84 Months
▼
APR6.49%
Term84 Months
Last UpdatedApr 19, 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
▼
APR6.50%
Term73 - 84
Last UpdatedApr 18, 2026
Details
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Vehicles Model Year 2025-2026
7.39%
96 month
▼
APR7.39%
Term96 month
Last UpdatedApr 18, 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
▼
APR7.54%
TermChoose your term to suit your monthly budget
Last UpdatedApr 17, 2026
Details
Your individual financing and the interest rate to which you qualify will be determined by vehicle age and individual credit history
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Waterfront Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.80%
New & Used Autos (2021 & Newer)
3.64%
84 Months
▼
APR3.64%
Term84 Months
Last UpdatedApr 18, 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
4.19%
36 Months
▼
APR4.19%
Term36 Months
Last UpdatedApr 18, 2026
Details
EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.36%
New/Used Auto Loans
4.24%
36 Months
▼
APR4.24%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As
Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
Used Cars
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedApr 18, 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
▼
APR4.49%
Term24 Months
Last UpdatedApr 18, 2026
Details
As Low As
EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.36%
New/Used Auto Loans
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As
Waterfront Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.80%
Used Autos (2020 & Older)
4.74%
72 Months
▼
APR4.74%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As
NW Priority Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
Used Auto
4.74%
2015 - 2024
▼
APR4.74%
Term2015 - 2024
Last UpdatedApr 19, 2026
Details
EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.36%
New/Used Auto Loans
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedApr 19, 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
▼
APR4.75%
TermUp to 96 months
Last UpdatedApr 19, 2026
Details
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New & Used Autos
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As; New Auto Purchase or Refinance
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Used Vehicles (2017 - 2022)
4.85%
0 - 36
▼
APR4.85%
Term0 - 36
Last UpdatedApr 18, 2026
Details
APR Range: 17.35%; Up to 100% LTV/Mileage maximum: 150,000
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New & Used Autos
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As; Used Auto Purchase or Refinance
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
Used Auto Purchase or Refinance
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As; Terms: 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
▼
APR5.00%
Term24 to 84 months
Last UpdatedApr 18, 2026
Details
MountainCrest Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.83%
Used Auto
5.00%
72-month
▼
APR5.00%
Term72-month
Last UpdatedApr 19, 2026
Details
2023 and older. Up to 72-month term available. Loan to value based on NADA retail.
EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.36%
New/Used Auto Loans
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New & Used Autos
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As; New Auto Purchase or Refinance
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Vehicles Model Year 2020-2024
5.19%
48 Months
▼
APR5.19%
Term48 Months
Last UpdatedApr 18, 2026
Details
Ironworkers USA Federal Credit Union
Institution Rating:
C+4.2 ★ Texas Ratio: 24.46%
Used Vehicles
5.24%
36-84 months
▼
APR5.24%
Term36-84 months
Last UpdatedApr 18, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As
Sno Falls Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.77%
Used Auto
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedApr 19, 2026
Details
Our Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.74%
New or Used Auto
5.24%
up to 84 Months
▼
APR5.24%
Termup to 84 Months
Last UpdatedApr 19, 2026
Details
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New & Used Autos
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As; Used Auto Purchase or Refinance
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
Used Auto Purchase or Refinance
5.24%
61 Months
▼
APR5.24%
Term61 Months
Last UpdatedApr 19, 2026
Details
As Low As; Terms: 61 - 72 months
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New & Used Autos
5.25%
84 Months
▼
APR5.25%
Term84 Months
Last UpdatedApr 19, 2026
Details
As Low As; New Auto Purchase or Refinance
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
USED AUTO - Max
5.40%
60 Months
▼
APR5.40%
Term60 Months
Last UpdatedApr 18, 2026
Details
$100,000; As Low As
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
Used Auto (Models 2017 - 2020)
5.49%
4 years
▼
APR5.49%
Term4 years
Last UpdatedApr 18, 2026
Details
As Low As
Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
Used Cars
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedApr 18, 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
▼
APR5.49%
Term60 Months
Last UpdatedApr 18, 2026
Details
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.96%
Used Vehicles
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedApr 19, 2026
Details
Model Year 2024 or older
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New & Used Autos
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedApr 19, 2026
Details
As Low As; Used Auto Purchase or Refinance
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
Used Auto Purchase or Refinance
5.49%
73 Months
▼
APR5.49%
Term73 Months
Last UpdatedApr 19, 2026
Details
As Low As; Terms: 73 - 84 months
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
USED AUTO
5.54%
72 Months
▼
APR5.54%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Used Vehicles (2017 - 2022)
5.60%
37 - 48
▼
APR5.60%
Term37 - 48
Last UpdatedApr 18, 2026
Details
APR Range: 17.99%; Up to 100% LTV/Mileage maximum: 150,000
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
USED AUTO
5.65%
84 Months
▼
APR5.65%
Term84 Months
Last UpdatedApr 18, 2026
Details
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
▼
APR5.69%
TermUp to 60 months
Last UpdatedApr 17, 2026
Details
Great Northwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
Auto Loans New or Used
5.69%
Up to 84 Months
▼
APR5.69%
TermUp to 84 Months
Last UpdatedApr 18, 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
▼
APR5.74%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As; 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: 0.33%
Used Auto (Models 2017 - 2020)
5.74%
5 years
▼
APR5.74%
Term5 years
Last UpdatedApr 18, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.96%
Used Vehicles
5.74%
72 Months
▼
APR5.74%
Term72 Months
Last UpdatedApr 19, 2026
Details
Model Year 2024 or older
EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.36%
New/Used Auto Loans
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedApr 19, 2026
Details
As Low As
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
Used Auto
5.79%
61 - 72 months
▼
APR5.79%
Term61 - 72 months
Last UpdatedApr 17, 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
▼
APR5.79%
Term72 Months
Last UpdatedApr 18, 2026
Details
min loan $20,000
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
Used Auto
5.99%
73 - 84 months
▼
APR5.99%
Term73 - 84 months
Last UpdatedApr 17, 2026
Details
Cheney Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
Used Auto/Truck Loan
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As; 84 months available under certain conditions.
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
Used Auto (Models 2017 - 2020)
5.99%
6 years
▼
APR5.99%
Term6 years
Last UpdatedApr 18, 2026
Details
As Low As
Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
Used Auto Loan
5.99%
36 Months
▼
APR5.99%
Term36 Months
Last UpdatedApr 19, 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
▼
APR6.09%
Term84 Months
Last UpdatedApr 18, 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
▼
APR6.10%
Term49 - 60
Last UpdatedApr 18, 2026
Details
APR Range: 17.99%; Up to 100% LTV/Mileage maximum: 150,000
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
Used Auto (Models 2017 - 2020)
6.24%
7 years
▼
APR6.24%
Term7 years
Last UpdatedApr 18, 2026
Details
As Low As
NW Priority Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
Used Auto
6.24%
2014 and Older
▼
APR6.24%
Term2014 and Older
Last UpdatedApr 19, 2026
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
Used Auto Loan
6.24%
84 Months
▼
APR6.24%
Term84 Months
Last UpdatedApr 19, 2026
Details
As Low As
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Used Vehicles (2017 - 2022)
6.60%
61 - 72
▼
APR6.60%
Term61 - 72
Last UpdatedApr 18, 2026
Details
APR Range: 17.99%; Up to 100% LTV/Mileage maximum: 150,000
Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
Older Used Cars
6.99%
72 Months
▼
APR6.99%
Term72 Months
Last UpdatedApr 18, 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
▼
APR6.99%
Term36 Months
Last UpdatedApr 18, 2026
Details
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
▼
APR7.24%
Term36 Months
Last UpdatedApr 18, 2026
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
Used Auto Loan
7.24%
60 Months
▼
APR7.24%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Used Vehicles (2017 - 2022)
7.35%
73 - 84
▼
APR7.35%
Term73 - 84
Last UpdatedApr 18, 2026
Details
APR Range: 17.99%; Up to 100% LTV/Mileage maximum: 150,000
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
OLDER USED AUTO (2015 or older) - Max
7.40%
60 Months
▼
APR7.40%
Term60 Months
Last UpdatedApr 18, 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
▼
APR7.54%
TermChoose your term to suit your monthly budget
Last UpdatedApr 17, 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
▼
APR7.54%
Term48 Months
Last UpdatedApr 18, 2026
Details
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
OLDER USED AUTO
7.54%
72 Months
▼
APR7.54%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
OLDER USED AUTO
7.65%
84 Months
▼
APR7.65%
Term84 Months
Last UpdatedApr 18, 2026
Details
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
▼
APR7.79%
Term72 Months
Last UpdatedApr 18, 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
▼
APR8.24%
Term48 Months
Last UpdatedApr 18, 2026
Details
Powered by
MonitorBankRates
Menlo, WA Auto Loan Rate Trends
Compare local Menlo, 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
5.721%
▲ 0.063 vs 7 days ago
Washington new auto rates rose 0.063 points over the past 7 days to 5.721% APR.
Used Auto Loan — WA Avg
6.595%
▲ 0.053 vs 7 days ago
Washington used auto rates rose 0.053 points over the past 7 days to 6.595% APR.
As of Apr 23, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions about Auto Loans in Menlo, 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 Menlo, 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 Menlo, 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 Menlo, Washington?
Based on our current data, some of the lowest auto loan rates available in Menlo, Washington include:
- LONGSHOREMENS LOCAL 4: 1.99% (New vehicle)
- Waterfront Federal Credit Union: 3.64% (New & Used Autos (2021 & Newer))
- Delta Schools Federal Credit Union: 3.99% (New Vehicles Model Year 2025-2026)
- IBEW 76 Federal Credit Union: 4.00% (New Auto)
- Ironworkers USA Federal Credit Union: 4.24% (New Vehicles)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Menlo, Washington. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: April 19, 2026
Rate Assistant
MonitorBankRates.com · Live Data
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