Credit union · NCUA insured
Embold Credit Union Auto Loan Rates
Embold Credit Union auto loans start at 6.05% APR for a new vehicle and 6.55% for a used one. Rates checked October 22, 2026.
How Embold Credit Union’s auto loan rates compare
Compared with banks and credit unions near Portland, OR-WA, where Embold Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Embold Credit Union
6.05%APR
- Terms
- up to 60 months
- Up to
- 16.47% APR
New Autos (2024-2027)
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
Embold Credit Union auto loan score
63
Auto loan score
Higher than 10% of U.S. banks and credit unions
- New vehicleNew6.05%
- Used vehicleUsed6.55%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Embold 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.
New Autos (2024-2027)
Member Perks: must maintain an active primary share account, have a checking account with at least eight eligible transactions each month, and be enrolled in eStatements or have at least 10 years of membership. EV: 0.25% rate reduction available for eligible electric, Hybrid, and Plug-in Hybrid vehicles.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 6.00%–16.32% | Term: 24 Months |
| up to 36 months | 6.00%–16.32% | Term: 36 Months |
| up to 48 months | 6.00%–16.42% | Term: 48 Months |
| up to 60 months | 6.05%–16.47% | Term: 60 Months |
| up to 72 months | 6.10%–16.69% | Term: 72 Months |
| up to 84 months | 6.49%–16.99% | Term: 84 Months |
Used Autos (2007-2015)
Member Perks provides a 0.25% rate discount for maintaining an active primary share account, a checking account with at least 8 eligible transactions per month, and enrollment in eStatements or 10+ years membership. All APRs are tiered based on creditworthiness.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 7.25%–17.49% | — |
| up to 36 months | 7.25%–17.49% | — |
| up to 48 months | 7.25%–17.59% | — |
| up to 60 months | 7.55%–17.74% | — |
Sources (1)
- emboldcu.org/rates · captured Oct 3, 2026
Used Autos (2016-2023)
Member Perks: must maintain an active primary share account, have a checking account with at least eight eligible transactions each month, and be enrolled in eStatements or have at least 10 years of membership. EV: 0.25% rate reduction available for eligible electric, Hybrid, and Plug-in Hybrid vehicles.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 6.25%–16.49% | Term: 24 Months |
| up to 36 months | 6.25%–16.49% | Term: 36 Months |
| up to 48 months | 6.25%–16.59% | Term: 48 Months |
| up to 60 months | 6.55%–16.74% | Term: 60 Months |
| up to 72 months | 6.65%–16.99% | Term: 72 Months |
| up to 84 months | 7.25%–17.24% | Term: 84 Months |
Who can join Embold 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, works, worships, or attends school in Clackamas, Marion, Multnomah, Polk, Washington, and Yamhill counties.
Family and household
- Membership is open to immediate family members of eligible individuals and current members.
Cost to join
- Joining requires opening a savings share account with a minimum deposit of $5.00 that must remain in the account throughout membership; there are no membership fees.
Membership information collected October 4, 2026.