Credit union · NCUA insured
IBEW/SJ Cascade Federal Credit Union Auto Loan Rates
IBEW/SJ Cascade Federal Credit Union auto loans start at 5.49% APR for a new vehicle and 5.49% for a used one. Rates checked October 22, 2026.
How IBEW/SJ Cascade Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Salem, OR, where IBEW/SJ Cascade Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
IBEW/SJ Cascade Federal Credit Union
5.49%APR
- Terms
- up to 96 months
- Up to
- 14.69% APR
- Discount
- None included
New Vehicle
Lowest rate
Valley Credit Union
4.49%APR
- Terms
- up to 84 months
- Up to
- 17.99% APR
- Discount
- None included
2nd-lowest rate
First Community Credit Union
4.49%APR
- Terms
- up to 72 months
- Up to
- —
- Discount
- Included in the rate
IBEW/SJ Cascade Federal Credit Union 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 IBEW/SJ Cascade 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 Vehicle
| Terms | APR | Conditions |
|---|---|---|
| up to 96 months | 2.49%–13.69% | Up to 100% Financing; 72 month repayment requires $8,000 minimum loan amount, 84 month requires $10,000 minimum loan amount; Rates include a .50% discount for automatic payment and electronic statements; Financing up to 100% of KBB MSRP plus taxes/title/maintenance for Tiers 1-2, Tier 3 up to 90%, Tier 4 up to 80%, Tier 5 up to 50%. |
| up to 96 months | 5.49%–14.69% | Up to 100% Financing |
Used Vehicle
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 1.99%–13.94% | Amount financed: 90% of Retail Book Value; 84 month requires minimum loan amount of $10,000; Rates include a .50% discount for automatic payment and electronic statements; Financing for used vehicles 2010 to 2006 for Tier 1-2 up to 100% KBB Private Party, Tier 3 up to 80%, Tier 4 up to 70%, Tier 5 up to 50%. |
| up to 84 months | 5.49%–14.94% | Amount financed: 90% of Retail Book Value |
Used Vehicle (Older)
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.99%–16.49% | 2006 or Older; 80% of Retail Book Value; Term up to 60 Months; Rates on p4 may differ |
| up to 60 months | 7.99%–17.49% | Ten Years or Older; 80% of Retail Book Value; Term up to 60 Months; Rates on p5 may differ |
Used Vehicle 2006 or Older
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.99%–16.49% | Amount financed: 80% of Retail Book Value. Rates include a .50% discount for automatic payment and electronic statements. Financing for older used vehicles 2007 and older 100% for Tier 1-2; Tier 3 up to 80% of KBB Trade-In Value, Tier 4 up to 70%, Tier 5 up to 50%. |
Sources (1)
- ibewsjcu.org/pages/rates.html · captured Oct 3, 2026
Used Vehicle Ten Years or Older
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 7.99%–17.49% | Amount financed: 80% of Retail Book Value |
Sources (1)
- ibewsjcu.org/pages/rates2.html · captured Oct 3, 2026
Who can join IBEW/SJ Cascade Federal Credit Union
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