Credit union · NCUA insured
Emerald Empire Federal Credit Union Auto Loan Rates
Emerald Empire Federal Credit Union auto loans start at 4.25% APR for a new vehicle and 5.75% for a used one. Rates checked October 22, 2026.
How Emerald Empire Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Eugene, OR, where Emerald Empire Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Emerald Empire Federal Credit Union
4.25%APR
- Terms
- up to 84 months
- Up to
- 14.25% APR
- Discount
- Included in the rate
New Vehicles Loans (2024 and Newer) Auto's / Trucks
Lowest rate
Pacific Cascade
2.65%APR
- Terms
- —
- Up to
- 16.65% APR
- Discount
- None included
3rd-lowest rate
First Community Credit Union
4.49%APR
- Terms
- up to 72 months
- Up to
- —
- Discount
- Included in the rate
Emerald Empire Federal Credit Union auto loan score
85
Auto loan score
Higher than 69% of U.S. banks and credit unions
- New vehicleNew4.25%
- Used vehicleUsed5.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Emerald Empire Federal 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 Vehicles Loans (2024 and Newer) Auto's / Trucks
2024 & Newer. Purchase or Refinance. Up to 100% of MSRP (New-Never Titled), Up to 110% of Kelly Lending Value (Used - Titled). Financing Available on Vehicles 20 years and newer. Fixed APR based on credit qualifications, term of loan and loan amount, and collateral.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.25%–14.25% | With Auto Payment. May be discounted up to .25% based upon loan payment being set up on automatic repayment from an Emerald Empire Federal Credit Union account. Fixed APR based on credit qualifications, term of loan and loan amount. |
| up to 84 months | 5.25%–14.50% | Without Automatic Payment. Fixed APR based on credit qualifications, term of loan and loan amount. |
Sources (1)
- youreecu.org/rates/loan-rates · captured Oct 3, 2026
Used Auto Auto's / Trucks
Used auto loan category: (2023 & Older). Purchase or Refinance. Up to 110% of Kelley Wholesale Value. Financing Available on Vehicles 20 years and newer. Fixed APR based on credit qualifications, term of loan and loan amount, and collateral.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 5.75%–14.50% | With Auto Payment. May be discounted up to .25% based upon loan payment being set up on automatic repayment from an Emerald Empire Federal Credit Union account. Fixed APR based on credit qualifications, term of loan and loan amount. |
| up to 72 months | 6.75%–14.75% | Without Automatic Payment. Fixed APR based on credit qualifications, term of loan and loan amount. |
Sources (1)
- youreecu.org/rates/loan-rates · captured Oct 3, 2026
Who can join Emerald Empire Federal 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 (or regularly conducts business in), worships, or attends school in, and businesses and other legal entities located in Lane County, Oregon.
Family and household
- Family members of EEFCU members, regardless of location, are eligible to join.
Cost to join
- An initial share deposit of at least $25 is required, which will be held in the account for the life of membership.
Membership information collected October 4, 2026.