Credit union · NCUA insured
Mid Oregon Credit Union Auto Loan Rates
Mid Oregon Credit Union auto loans start at 5.99% APR for a new vehicle and 5.99% for a used one. Rates checked October 22, 2026.
How Mid Oregon Credit Union’s auto loan rates compare
Compared with banks and credit unions near Bend, OR, where Mid Oregon Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Mid Oregon Credit Union
5.99%APR
- Terms
- —
- Up to
- —
- Discount
- None included
New Cars and Motorcycles
Lowest rate
First Community Credit Union
4.49%APR
- Terms
- up to 72 months
- Up to
- —
- Discount
- Included in the rate
2nd-lowest rate
OnPoint Community Credit Union
4.99%APR
- Terms
- 36–60 months
- Up to
- 9.44% APR
- Discount
- None included
Mid Oregon Credit Union auto loan score
66
Auto loan score
Higher than 17% of U.S. banks and credit unions
- New vehicleNew5.99%
- Used vehicleUsed5.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Mid Oregon 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 Cars and Motorcycles
Eligibility requires membership with Mid Oregon Credit Union (available to individuals who live or work in, or organizations located in specific Oregon counties: Benton, Clackamas, Crook, Deschutes, Douglas, Gilliam, Grant, Harney, Hood River, Jackson, Jefferson, Josephine, Klamath, Lane, Lake, Linn, Marion, Multnomah, Polk, Sherman, Wasco, Washington, Wheeler, and Yamhill). Membership requires a $5 deposit into a Regular Share Savings Account and a $10 one-time new account opening fee.
| Terms | APR | Conditions |
|---|---|---|
| — | 5.99% | Fixed APR as low as stated rate. Rates reflect the lowest rate offered and depend on applicant's creditworthiness and other underwriting factors. |
Sources (3)
All captured Oct 3, 2026
Used Cars and Motorcycles
Eligibility requires membership with Mid Oregon Credit Union (available to individuals who live or work in, or organizations located in specific Oregon counties: Benton, Clackamas, Crook, Deschutes, Douglas, Gilliam, Grant, Harney, Hood River, Jackson, Jefferson, Josephine, Klamath, Lane, Lake, Linn, Marion, Multnomah, Polk, Sherman, Wasco, Washington, Wheeler, and Yamhill). Membership requires a $5 deposit into a Regular Share Savings Account and a $10 one-time new account opening fee.
| Terms | APR | Conditions |
|---|---|---|
| — | 5.99% | Fixed APR as low as stated rate. Rates reflect the lowest rate offered and depend on applicant's creditworthiness and other underwriting factors. |
Sources (3)
All captured Oct 3, 2026
Who can join Mid Oregon Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live or work in, or organizations located in 24 specified Oregon counties are eligible to join.
Employers and groups
- Employees and officials of the Credit Union, its subsidiaries, and contractors are eligible to join.
Family and household
- Immediate family members (including specified relatives and domestic partners) of any member or eligible member are eligible to join.
Other ways
- Business and nonbusiness organizations composed of eligible individuals, members, or employees are eligible to join.
- Retirees, pensioners, and annuitants of any eligible group are eligible for membership.
Cost to join
- A one-time new account fee of $10 is required to establish membership.
- A $5 deposit into a Regular Share Savings Account is required to open an account.
Membership information collected October 4, 2026.