Credit union · NCUA insured
Express Credit Union Auto Loan Rates
Express Credit Union auto loans start at 5.74% APR for a new vehicle and 5.99% for a used one. Rates checked October 22, 2026.
How Express Credit Union’s auto loan rates compare
Compared with banks and credit unions near Seattle, WA, where Express Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Express Credit Union
5.74%APR
- Terms
- —
- Up to
- 16.99% APR
New Auto Loan (2024 & Newer) - Includes EV loans
Lowest rate
Ironworkers USA Credit Union
4.24%APR
- Terms
- 36–84 months
- Up to
- 18.00% APR
2nd-lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
- Up to
- —
Express Credit Union auto loan score
67
Auto loan score
Higher than 19% of U.S. banks and credit unions
- New vehicleNew5.74%
- 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 Express 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 Auto Loan (2024 & Newer) - Includes EV loans
Includes 2024 & Newer models and EV loans. Personal and auto loan rates include a 0.25% discount for auto-pay. Floor rate of 2.99% APR applies to discounts.
| Terms | APR | Conditions |
|---|---|---|
| — | 5.74%–16.99% | Rate includes a 0.25% discount for auto-pay. Payment example: $288.18/month based on 5 year term, $15,000 loan at 5.74% APR. |
Sources (1)
- expresscu.org/rates · captured Oct 4, 2026
Used Car Loan (2023-1999) - Includes EV loans
Includes 2023-1999 models and EV loans. Personal and auto loan rates include a 0.25% discount for auto-pay. Floor rate of 2.99% APR applies to discounts.
| Terms | APR | Conditions |
|---|---|---|
| — | 5.99%–17.74% | Rate includes a 0.25% discount for auto-pay. Payment example: $289.92/month based on 5 year term, $15,000 loan at 5.99% APR. |
Sources (1)
- expresscu.org/rates · captured Oct 4, 2026
Who can join Express Credit Union
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