Credit union · NCUA insured
Canopy Credit Union Auto Loan Rates
Canopy Credit Union auto loans start at 4.99% APR for a new vehicle and 4.99% for a used one. Rates checked October 22, 2026.
How Canopy Credit Union’s auto loan rates compare
Compared with banks and credit unions near Spokane, WA, where Canopy Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Canopy Credit Union
4.99%APR
- Terms
- —
- Up to
- 17.49% APR
- Discount
- Included in the rate
Car Loans
Lowest rate
Responders Emergency Services Credit Union
3.99%APR
- Terms
- up to 72 months
- Up to
- —
- Discount
- None included
2nd-lowest rate
Ironworkers USA Credit Union
4.24%APR
- Terms
- 36–84 months
- Up to
- 18.00% APR
- Discount
- None included
Canopy Credit Union auto loan score
79
Auto loan score
Higher than 48% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed4.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Canopy Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Car Loans
Rate may vary based on approved credit. Rate includes 0.25% off for automatic payment from a Canopy checking account and 0.25% off for additional services.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.99%–17.49% | Fixed rates range from 4.99% APR to 17.49% APR. Includes 0.25% off for autopay from Canopy checking and 0.25% off for additional services. |
Sources (1)
- canopycu.com/vehicle-loans/car-loans · captured Oct 7, 2026
Refinance Car Loan
Rates may vary based on approved credit. Rate includes 0.25% off for automatic payment from a Canopy checking account and 0.25% off for additional services.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.99%–17.99% | Fixed rates range from 4.99% APR to 17.99% APR. Includes 0.25% off for autopay from Canopy checking and 0.25% off for additional services. |
Sources (1)
- canopycu.com/vehicle-loans/refinance · captured Oct 7, 2026
Who can join Canopy Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school in Spokane, Pend Oreille, or Stevens County, Washington are eligible to join.
Employers and groups
- Individuals who belong to a partner association in Spokane, Pend Oreille, or Stevens County, Washington are eligible to join.
Membership information collected October 4, 2026.