Credit union · NCUA insured
Fibre FCU Auto Loan Rates
Fibre FCU auto loans start at 5.49% APR for a new vehicle and 5.49% for a used one. Rates checked October 22, 2026.
How Fibre FCU’s auto loan rates compare
Compared with banks and credit unions near Longview, WA, where Fibre FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Fibre FCU
5.49%APR
- Terms
- up to 60 months
- Up to
- —
Auto Loan
Lowest rate
iQ Credit Union
5.34%APR
- Terms
- up to 60 months
- Up to
- 20.44% APR
3rd-lowest rate
Mint Valley Federal Credit Union
5.49%APR
- Terms
- up to 84 months
- Up to
- 16.99% APR
Fibre FCU auto loan score
73
Auto loan score
Higher than 34% of U.S. banks and credit unions
- New vehicleNew5.49%
- Used vehicleUsed5.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Fibre FCU 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
Rates subject to term length, vehicle model year, price/mileage terms, mileage limits (add 1% on rate page for vehicles over 100K miles for gas or 150K miles for diesel; p96 notes .50%), and Loan-to-Value ratios (add .25% if >100% LTV; max 130% LTV). Effective date 2026-10-22.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.24% | Vehicle model year 2021-2026; financing 100% MSRP or High KBB. |
| up to 60 months | 5.49% | Vehicle model year 2021-2026; financing 100% MSRP or High KBB. |
| up to 72 months | 5.74% | Vehicle model year 2021-2026; financing 100% MSRP or High KBB. |
| up to 84 months | 5.99% | Vehicle model year 2021-2026; financing 100% MSRP or High KBB. |
| up to 48 months | 5.49% | Vehicle model year 2016-2020; financing 100% High KBB. |
| up to 60 months | 5.74% | Vehicle model year 2016-2020; financing 100% High KBB. |
| up to 72 months | 5.99% | Vehicle model year 2016-2020; financing 100% High KBB. |
| up to 84 months | 6.24% | Vehicle model year 2016-2020; financing 100% High KBB. |
| up to 48 months | 7.49% | Vehicle model year 2015 or older; financing 100% High KBB. |
| up to 60 months | 7.74% | Vehicle model year 2015 or older; financing 100% High KBB. |
Sources (2)
- fibrecu.com/loans-and-credit-c…ices/consumer-loan-rates
- fibrecu.com/loans-and-credit-c…/loan-options/auto-loans
All captured Oct 22, 2026
Refinance Auto Loan
Promotional refinance offer for auto loans held elsewhere (not valid for existing FFCU and TLC auto loans). Includes 1% cash-back bonus on payoff amount, no payments for 60 days, and covered title transfer fee ($39.50 in WA or up to $200 in OR). Refinance back end LTV >100% add 0.25% (maximum LTV 130%). Add 1.0% for gas vehicles >100k miles and diesel >150k miles. Rate dependent on vehicle model year.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.24% | 48 month term at 5.24% APR. Extended terms available at different rates. Offer not valid for existing FFCU and TLC auto loans. |
Sources (1)
- fibrecu.com/loans-and-credit-c…-ride-reward-your-wallet · captured Oct 22, 2026
Who can join Fibre FCU
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, attends school, or regularly conducts business in 11 counties: Cowlitz, Wahkiakum, Clark, Skamania, Lewis, Pacific, and Grays Harbor in Washington, and Columbia, Clatsop, Lincoln, and Tillamook in Oregon.
Membership information collected October 4, 2026.