Credit union · NCUA insured
ILWU Credit Union Auto Loan Rates
ILWU Credit Union auto loans start at 4.99% APR for a new vehicle and 4.99% for a used one. Rates checked October 16, 2026.
How ILWU Credit Union’s auto loan rates compare
Compared with banks and credit unions near Los Angeles, CA, where ILWU Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
ILWU Credit Union
4.99%APR
- Terms
- 49–60 months
- Discount
- None included
New Auto
Lowest rate
Downey Federal Credit Union
3.49%APR
- Terms
- —
- Discount
- None included
2nd-lowest rate
United Catholics Federal CU
3.75%APR
- Terms
- up to 84 months
- Discount
- Included in the rate
ILWU 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 ILWU 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 Auto Buyer - New Auto
Financing up to 110% for current and prior model year based on Kelley Blue Book Value. Requires vehicles to have less than 3,000 miles and not previously registered with the DMV. Actual rate determined by individual credit profile.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 7.99% | Financing up to 110% for current and prior model year. |
| 49–60 months | 7.99% | — |
| 61–72 months | 8.24% | Terms of 72 months or longer require a minimum loan amount of $25,000. |
Sources (1)
- ilwucu.org/rates/vehicle_loans · captured Oct 7, 2026
First Time Auto Buyer - Used Auto
110% financing based on NADA value. Actual rate determined by individual credit profile.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 7.99% | 110% financing. |
| 37–60 months | 7.99% | — |
| 61–72 months | 8.24% | Terms of 72 months or longer require a minimum loan amount of $25,000. |
Sources (1)
- ilwucu.org/rates/vehicle_loans · captured Oct 7, 2026
New Auto
Financing up to 125% for current and prior model year based on Kelley Blue Book Value. Requires vehicles to have less than 3,000 miles and not previously registered with the DMV. Actual rate determined by individual credit profile.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.99% | Financing up to 125% for current and prior model year. |
| 49–60 months | 4.99% | — |
| 61–84 months | 5.24% | Terms of 72 months or longer require a minimum loan amount of $25,000. |
Sources (1)
- ilwucu.org/rates/vehicle_loans · captured Oct 7, 2026
New Motorcycle
100% financing for current and prior model year based on Kelley Blue Book Value. Requires vehicles to have less than 3,000 miles and not previously registered with the DMV. Actual rate determined by individual credit profile.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.24% | 100% financing for current and prior model year. |
| 37–48 months | 5.24% | — |
| 49–60 months | 5.99% | — |
Sources (1)
- ilwucu.org/rates/vehicle_loans · captured Oct 7, 2026
Pre-Owned Auto
110% financing based on NADA value. Actual rate determined by individual credit profile.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.99% | 110% financing. |
| 37–60 months | 4.99% | — |
| 61–72 months | 5.24% | Terms of 72 months or longer require a minimum loan amount of $25,000. |
Sources (1)
- ilwucu.org/rates/vehicle_loans · captured Oct 7, 2026
Pre-Owned Motorcycle
100% financing for motorcycles up to 5 years old based on NADA value. Actual rate determined by individual credit profile.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.74% | 100% financing for motorcycles up to 5 years old. |
| 37–48 months | 5.74% | — |
| 49–60 months | 6.49% | — |
Sources (1)
- ilwucu.org/rates/vehicle_loans · captured Oct 7, 2026
Who can join ILWU Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Members of the ILWU Alaska Locals 200 and 2201 are eligible for membership.
- Members of the ILWU Alaska Longshore Division are eligible for membership.
- Members of the Inlandboatman’s Union (IBU) - Marine Division of the ILWU are eligible for membership.
- Anyone who is a member of the ILWU in California is eligible for membership.
- Members and employees of Portland Industrial Workers of the World are eligible for membership.
- Members of ILWU Local 142 are eligible for membership.
4 more ways to join
Employers and groups
- Class A and Class B members and employees of Locals 5, 8, 28, 40, and 92 of the ILWU in Portland, Oregon, who work for PMA are eligible for membership.
- Members and employees of S.M.A.R.T. (Sheet Metals, Air, Rail, Transportation) are eligible for membership.
Family and household
- Immediate family members (grandparents, parents, spouse, domestic partners, children, grandchildren, siblings, aunts, uncles, nieces and nephews) of qualifying ILWU members are eligible for membership.
- Immediate family members (grandparents, parents, spouse, domestic partners, children, grandchildren, siblings, aunts, uncles, nieces and nephews) of qualifying Portland union group members are eligible for membership.
Cost to join
- A $5 minimum opening deposit is required for an ILWU Credit Union Savings Account.
- A $1 membership fee is required to join.
Membership information collected October 5, 2026.