Credit union · NCUA insured
Columbia Credit Union Auto Loan Rates
Columbia Credit Union auto loans start at 4.74% APR for a new vehicle and 4.74% for a used one. Rates checked October 22, 2026.
How Columbia Credit Union’s auto loan rates compare
Compared with banks and credit unions near Portland, OR-WA, where Columbia Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Columbia Credit Union
4.74%APR
- Terms
- —
- Up to
- 13.99% APR
Auto Loans
Lowest rate
Longshoremen's Local 4 Federal Credit Union
1.99%APR
- Terms
- up to 84 months
- Up to
- —
2nd-lowest rate
Ironworkers USA Credit Union
4.24%APR
- Terms
- 36–84 months
- Up to
- 18.00% APR
Columbia Credit Union auto loan score
87
Auto loan score
Higher than 80% of U.S. banks and credit unions
- New vehicleNew4.74%
- Used vehicleUsed4.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Columbia 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.
Auto Loan Refinance
Membership required to borrow. Open to individuals and businesses in Washington State and Clackamas, Marion, Multnomah, and Washington counties in Oregon (and families of eligible individuals). Applies to vehicle loan refinances from another lender on any model year vehicle; refinances of existing Columbia Credit Union loans are not eligible. Rate offered is the lowest of qualifying Columbia CU APR or up to 1.00% APR off current lender's APR down to a 4.74% APR floor, plus an additional 0.25% APR discount when automatic loan payments are established from a Columbia CU checking account within 60 days of closing (up to 1.25% APR total reduction).
| Terms | APR | Conditions |
|---|---|---|
| — | 4.74% | Promotional rate reduction of up to 1.25% APR off existing lender's rate down to 4.74% floor (up to 1.00% lender refinance discount plus 0.25% automatic payment checking relationship discount). |
Sources (2)
All captured Oct 7, 2026
Auto Loans
Membership required to borrow. Open to individuals and businesses in Washington State and Clackamas, Marion, Multnomah, and Washington counties in Oregon (and families of eligible individuals). No down payment required; up to 100% financing available with vehicle as collateral. Fixed interest rates with no prepayment penalties. APR varies based on repayment period, vehicle value, year, mileage, residential status, credit, and employment history. Lowest APRs include 0.25% Checking Relationship Plan discount for setting up automatic loan payments from Columbia CU checking within 60 days of loan closing. Alternative Fuel Vehicle Program provides a 0.25% discount for hybrid vehicles and 0.50% discount for fully electric vehicles down to the 4.74% floor. Certified Pre-Owned (CPO) vehicles purchased at a same-brand dealership qualify for a 0.25% discount.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.74%–13.99% | Rate includes 0.25% Checking Relationship Plan discount for automatic loan payments from Columbia CU checking. Available for new and used vehicles. |
Who can join Columbia Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.