Credit union · NCUA insured
Forrit Credit Union Auto Loan Rates
Forrit Credit Union auto loans start at 4.99% APR for a new vehicle and 4.99% for a used one. Rates checked October 22, 2026.
How Forrit Credit Union’s auto loan rates compare
Compared with banks and credit unions near Portland, OR-WA, where Forrit Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Forrit Credit Union
4.99%APR
- Terms
- up to 60 months
- Up to
- 13.35% APR
New/Used Autos
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
Forrit Credit Union auto loan score
83
Auto loan score
Higher than 62% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed4.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Forrit 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/Used Autos
Rates are based on credit evaluation, loan term, and vehicle age. Offer valid on purchases and refinances from other institutions; existing Forrit CU auto loans do not qualify. Quoted rates based on vehicles 10 model years old and newer (must be 5 model years old and newer for terms > 72 months). Vehicles over 10 model years old subject to an additional 0.50% APR. Discounts available: 1.00% APR reduction for hybrid/electric vehicles, 0.25% APR reduction for EPA SmartWay designated vehicles (on fixed rate loans), 0.25% APR reduction for redeeming 10,000 Platinum Visa reward points, or 0.50% annual reduction for on-time payments under Pay & Save program. Promotional offer: $90 digital gas gift card with auto loan between October 1 – 31, 2026 (not valid on existing Forrit CU auto loans).
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.99%–13.35% | Fixed rate loan with terms up to 60 months. Quoted rates do not include rate reduction for SmartWay vehicle designation. Rate discounts only offered on fixed rate loans. Vehicles over 10 model years old subject to additional 0.50% APR. |
| up to 84 months | 5.24%–13.60% | Fixed rate loan with terms up to 84 months. Vehicles must be 5 model years old and newer to qualify for terms greater than 72 months. Quoted rates do not include rate reduction for SmartWay vehicle designation. Rate discounts only offered on fixed rate loans. Vehicles over 10 model years old subject to additional 0.50% APR. |
New/Used Motorcycle
Rates are based on an evaluation of an applicant's credit and may vary on credit worthiness, term of the loan and age and type of collateral. Offer valid on purchases and vehicles refinanced from other institutions. Existing Forrit CU auto loans do not qualify. Loans are subject to credit approval. All rates are subject to change without notice. Other rates and terms available and conditions or restrictions may apply.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.99%–13.35% | Terms up to 60 Months. Rates based on credit evaluation, loan term, and age and type of collateral. |
| up to 72 months | 5.24%–13.60% | Terms up to 72 Months. Rates based on credit evaluation, loan term, and age and type of collateral. |
Sources (1)
- forritcu.org/wph/staging/rates · captured Oct 15, 2026
Who can join Forrit 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 individuals who live or work in Multnomah, Clackamas, Washington, Marion, Yamhill, Polk, or Columbia County, Oregon.
Family and household
- Membership is open to individuals who have a family member who is already a Forrit member.
Cost to join
- A $5 opening deposit is required to establish a Membership Share Account.
Membership information collected October 4, 2026.