Credit union · NCUA insured
evergreenDIRECT Credit Union Auto Loan Rates
evergreenDIRECT Credit Union auto loans start at 4.49% APR for a new vehicle and 4.49% for a used one. Rates checked October 22, 2026.
How evergreenDIRECT Credit Union’s auto loan rates compare
Compared with banks and credit unions near Olympia, WA, where evergreenDIRECT Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
evergreenDIRECT Credit Union
4.49%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
New/Used Auto Loans
Lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
- Discount
- None included
2nd-lowest rate
Our Community CU
4.49%APR
- Terms
- up to 60 months
- Discount
- None included
evergreenDIRECT Credit Union auto loan score
87
Auto loan score
Higher than 80% of U.S. banks and credit unions
- New vehicleNew4.49%
- Used vehicleUsed4.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where evergreenDIRECT 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.
First Time Car Buyer Program
Designed for young adults ages 18-30 with little to no credit purchasing their first vehicle. Must not have previously financed an auto in own name; requires 6 months continuous work W2/1099 or 90 days work history as a post-college graduate within the past year. Sufficient income to repay; no outstanding derogatory credit or unpaid collections. Loan amounts from $3,500 to $20,000. Will finance up to 100% of purchase price or NADA (whichever is lower); up to 10% down payment. Proof of collision and comprehensive insurance required prior to funding. Vehicle must be 10 years old or less with no mileage requirement, or ages 11-15 years if under 175,001 original miles. Auto purchase only; limit one loan per applicant. Excludes non-automobile collateral, specialty vehicles, race cars, and branded titles. Timely payment review: after 12 monthly timely payments, borrower may contact eDCU to reduce rate by a minimum of 0.25%, and an additional 0.25% if direct deposit is maintained or set up during first 12 months (reductions not automatic).
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 7.49% | Rates disclosed are for individuals with no credit score indicated. Estimated monthly payment example of $31.11 per $1,000 borrowed for 36 months. Rates based on 100% loan to collateral value; no other discounts apply. Maximum auto age 15 years with mileage restrictions. |
| up to 48 months | 7.99% | Rates disclosed are for individuals with no credit score indicated. Estimated monthly payment example of $24.42 per $1,000 borrowed for 48 months. Rates based on 100% loan to collateral value; no other discounts apply. Maximum auto age 15 years with mileage restrictions. |
| up to 60 months | 8.99% | Rates disclosed are for individuals with no credit score indicated. Estimated monthly payment example of $20.77 per $1,000 borrowed for 60 months. Rates based on 100% loan to collateral value; no other discounts apply. Maximum auto age 15 years with mileage restrictions. |
Sources (1)
- evergreendirect.org/loans/pers…e-car-buyer-program.html · captured Oct 22, 2026
New/Used Auto Loans
Loans granted on approval of credit. Interest rates based on credit rating, term, age of collateral, and loan to value. Rates assume discount for automated payments via payroll deduction or transfer; no other discounts apply. Up to 125% financing available for qualified buyers. Equity take outs finance up to 80% of NADA Retail Value. Variable rate products subject to rate change after account opening.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.99% | Estimated monthly payment example of $29.53 per $1,000 borrowed for 36 months. Rate assumes discount for automated payments via payroll deduction or transfer. |
| up to 48 months | 4.24% | Estimated monthly payment example of $22.69 per $1,000 borrowed for 48 months. Rate assumes discount for automated payments via payroll deduction or transfer. |
| up to 60 months | 4.49% | Estimated monthly payment example of $18.65 per $1,000 borrowed for 60 months. Rate assumes discount for automated payments via payroll deduction or transfer. |
| up to 72 months | 4.75% | Estimated monthly payment example of $16.00 per $1,000 borrowed for 72 months. Rate assumes discount for automated payments via payroll deduction or transfer. |
| up to 84 months | 5.49% | Estimated monthly payment example of $14.37 per $1,000 borrowed for 84 months. Rate assumes discount for automated payments via payroll deduction or transfer. |
Sources (2)
- evergreendirect.org/loans/personal-loans/auto-loans.html
- evergreendirect.org/services/tools/rates.html
All captured Oct 22, 2026
Who can join evergreenDIRECT Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, or worships in Washington State is eligible to join.
Military, government and schools
- Anyone who is part of any school district in Washington State is eligible to join.
Family and household
- Relatives of current members are eligible to join, regardless of where they live.
Cost to join
- Membership requires opening a Savings Account.
Membership information collected October 4, 2026.