Credit union · NCUA insured
North Coast Credit Union Auto Loan Rates
North Coast Credit Union auto loans start at 5.22% APR for a new vehicle and 5.22% for a used one. Rates checked October 22, 2026.
How North Coast Credit Union’s auto loan rates compare
Compared with banks and credit unions near Mount Vernon, WA, where North Coast Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
North Coast Credit Union
5.22%APR
- Terms
- 1–84 months
- Up to
- 17.47% APR
New / Used Vehicles
Lowest rate
WECU
4.34%APR
- Terms
- —
- Up to
- 23.99% APR
2nd-lowest rate
Northwest Plus Credit Union
4.49%APR
- Terms
- —
- Up to
- 12.74% APR
North Coast Credit Union auto loan score
80
Auto loan score
Higher than 53% of U.S. banks and credit unions
- New vehicleNew5.22%
- Used vehicleUsed5.22%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where North Coast 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 Vehicles
Rate based on creditworthiness and term of loan. Purchase New Vehicles: Up to 125% Loan to Value (LTV) of NADA, MSRP Value or purchase price whichever is less. Purchase Used Vehicles: Up to 125% LTV of NADA Average Retail value or purchase price whichever is less. Refinance: Up to 100% LTV (cash out) of NADA Avg Retail value Maximum loan not to exceed 125% LTV of MSRP or NADA value including taxes, license, GAP and extended warranty. No fees to apply and no early payment penalties.
| Terms | APR | Conditions |
|---|---|---|
| 1–84 months | 5.22%–17.47% | Rate will vary based on term and creditworthiness. |
| — | 5.22% | Refinance promotion: Bring current rate and NCCU will go 1% lower, down to floor rate 5.22% APR. Personal vehicles only. Existing NCCU vehicle loans not eligible. Proof of current rate required. Subject to credit and collateral approval. Offer available through October 15, 2026. |
Who can join North Coast 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This may be incomplete or out of date, so check with the credit union before you apply.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 eligible to anyone who lives, works, attends school, or worships in Washington State.
Membership information collected October 4, 2026.