Credit union · NCUA insured
iQ Credit Union Auto Loan Rates
iQ Credit Union auto loans start at 5.34% APR for a new vehicle and 5.34% for a used one. Rates checked October 22, 2026.
How iQ Credit Union’s auto loan rates compare
Compared with banks and credit unions near Portland, OR-WA, where iQ Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
iQ Credit Union
5.34%APR
- Terms
- up to 60 months
- Up to
- 20.44% APR
Auto Loans
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
iQ Credit Union auto loan score
76
Auto loan score
Higher than 42% of U.S. banks and credit unions
- New vehicleNew5.34%
- Used vehicleUsed5.34%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where iQ 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.
Auto Loans
Actual rates depend on member credit qualifications, including term of the loan, age and mileage of the vehicle, credit, and employment history. Covers purchase and refinance. Intelligent Bundle offers 0.25% off auto loan rate for qualifying members.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.34%–20.44% | Model year 2022 & Newer. Actual rates depend on member credit qualifications, including term of the loan, age and mileage of the vehicle, credit, and employment history. Payment schedule up to 60 months. Monthly payment per $1,000 borrowed: $19.07 - $26.97. |
| up to 72 months | 5.74%–20.84% | Model year 2022 & Newer. Actual rates depend on member credit qualifications, including term of the loan, age and mileage of the vehicle, credit, and employment history. Payment schedule up to 72 months. Monthly payment per $1,000 borrowed: $16.49 - $24.66. |
| up to 84 months | 6.39%–21.94% | Model year 2022 & Newer. Actual rates depend on member credit qualifications, including term of the loan, age and mileage of the vehicle, credit, and employment history. Payment schedule up to 84 months. Monthly payment per $1,000 borrowed: $14.84 - $23.61. |
| up to 60 months | 5.69%–20.74% | Model year 2018–2021. Actual rates depend on member credit qualifications, including term of the loan, age and mileage of the vehicle, credit, and employment history. Payment schedule up to 60 months. Monthly payment per $1,000 borrowed: $19.24 - $27.15. |
| up to 72 months | 6.44%–21.14% | Model year 2018–2021. Actual rates depend on member credit qualifications, including term of the loan, age and mileage of the vehicle, credit, and employment history. Payment schedule up to 72 months. Monthly payment per $1,000 borrowed: $16.84 - $24.84. |
| up to 84 months | 6.94%–22.24% | Model year 2018–2021. Actual rates depend on member credit qualifications, including term of the loan, age and mileage of the vehicle, credit, and employment history. Payment schedule up to 84 months. Monthly payment per $1,000 borrowed: $15.12 - $23.80. |
| up to 48 months | 7.79%–22.09% | Model year 2017 and Older. Actual rates depend on member credit qualifications, including term of the loan, age and mileage of the vehicle, credit, and employment history. Payment schedule up to 48 months. Monthly payment per $1,000 borrowed: $24.39 - $31.85. |
| up to 72 months | 8.14%–22.49% | Model year 2017 and Older. Actual rates depend on member credit qualifications, including term of the loan, age and mileage of the vehicle, credit, and employment history. Payment schedule up to 72 months. Monthly payment per $1,000 borrowed: $17.66 - $25.66. |
Sources (4)
- iqcu.com/auto-loans
- iqcu.com/consumer-loans
- iqcu.com/intelligent-high-yield-bundle
- iqcu.com/personal-rates
All captured Oct 22, 2026
Who can join iQ Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.