Credit union · NCUA insured
Central Willamette Credit Union Auto Loan Rates
Central Willamette Credit Union auto loans start at 5.24% APR for a new vehicle and 5.99% for a used one. Rates checked October 22, 2026.
How Central Willamette Credit Union’s auto loan rates compare
Compared with banks and credit unions near Albany, OR, where Central Willamette Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Central Willamette Credit Union
5.24%APR
- Terms
- up to 60 months
- Up to
- 14.99% APR
New Auto
Lowest rate
Oregon State Credit Union
4.94%APR
- Terms
- 73–84 months
- Up to
- 17.28% APR
2nd-lowest rate
44 North Credit Union
4.99%APR
- Terms
- up to 72 months
- Up to
- —
Central Willamette Credit Union auto loan score
73
Auto loan score
Higher than 33% of U.S. banks and credit unions
- New vehicleNew5.24%
- Used vehicleUsed5.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Central Willamette 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.
Limited-Time Auto Refi Offer
Applies to auto loans currently financed with another financial institution; existing CWCU auto loans are not eligible. Discount off verified current rate is up to 2.00% APR total (1.25% APR standard promotional discount for well-qualified borrowers, +0.25% APR with Auto Pay, +0.25% APR with eStatements, +0.25% APR with CWCU checking account and qualifying direct deposit). Proof of current rate required. Membership eligibility required. Subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.49% | Floor 4.49% APR applies over the life of your loan and varies based on credit qualifications. |
Sources (1)
- centralwcu.org/auto-loan-refinance-offer · captured Oct 3, 2026
New Auto
Finance up to 120% of MSRP. Note: Approved APR on loans will be 0.25% higher if you do not have autopay, and 0.25% higher if you do not receive monthly statements via eStatements.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.24%–14.99% | Approved APR will be 0.25% higher without autopay and 0.25% higher without eStatements. |
| 61–72 months | 5.49%–14.99% | Approved APR will be 0.25% higher without autopay and 0.25% higher without eStatements. |
| 73–84 months | 5.49%–17.49% | Approved APR will be 0.25% higher without autopay and 0.25% higher without eStatements. |
| 85–96 months | 7.89%–10.49% | Approved APR will be 0.25% higher without autopay and 0.25% higher without eStatements. |
Sources (2)
All captured Oct 3, 2026
Used Auto
Finance up to 120% of Kelley Blue Book Retail. Note: Approved APR on loans will be 0.25% higher if you do not have autopay, and 0.25% higher if you do not receive monthly statements via eStatements.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.99%–15.24% | Approved APR will be 0.25% higher without autopay and 0.25% higher without eStatements. |
| up to 72 months | 5.99%–16.72% | Approved APR will be 0.25% higher without autopay and 0.25% higher without eStatements. |
| 73–84 months | 6.49%–17.74% | Approved APR will be 0.25% higher without autopay and 0.25% higher without eStatements. |
| 85–96 months | 8.14%–8.24% | Approved APR will be 0.25% higher without autopay and 0.25% higher without eStatements. |
Sources (2)
All captured Oct 3, 2026
Who can join Central Willamette Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives in 25 Oregon counties across western and central Oregon.
Cost to join
- A $5 deposit is required to start a Membership Savings account and establish membership.
Membership information collected October 4, 2026.