Credit union · NCUA insured
Northwest Federal Credit Union Auto Loan Rates
Northwest Federal Credit Union auto loans start at 5.69% APR for a new vehicle and 5.69% for a used one. Rates checked October 22, 2026.
How Northwest Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where Northwest Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Northwest Federal Credit Union
5.69%APR
- Terms
- 37–63 months
New Auto Loan
Lowest rate
TruEnergy Federal Credit Union
3.74%APR
- Terms
- up to 60 months
2nd-lowest rate
PenFed Credit Union
3.84%APR
- Terms
- up to 60 months
Northwest Federal Credit Union auto loan score
71
Auto loan score
Higher than 28% of U.S. banks and credit unions
- New vehicleNew5.69%
- Used vehicleUsed5.69%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Northwest 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.
Motorcycle Loan
Rate is based on term, loan amount, and creditworthiness.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 7.29% | Term up to 48 months. Minimum loan amount $5,000. |
| up to 60 months | 7.99% | Term up to 60 months. Minimum loan amount $10,000 & higher. |
Sources (2)
All captured Oct 22, 2026
New Auto Loan
Rate is based on model year, loan term, creditworthiness, and LTV. Valid for purchases and refinances from another lender; internal NWFCU refinances excluded from promotional/special rates. Cash out refinances ineligible. Vehicles with mileage over 100,000 add 2 percentage points. Classic/collectible vehicles add 2 percentage points.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.19% | Special promotional rate. 2026 model year. Maximum 80% LTV. |
| 37–63 months | 5.69% | Special promotional rate. 2026 model year. Maximum 80% LTV. |
| 64–75 months | 5.99% | Special promotional rate. 2026 model year. Maximum 80% LTV. |
| 76–84 months | 6.39% | Special promotional rate. 2026 model year. Maximum 80% LTV. |
| up to 36 months | 5.49% | Regular rate. 2026 model year. |
| 37–63 months | 5.99% | Regular rate. 2026 model year. |
| 64–75 months | 6.29% | Regular rate. 2026 model year. |
| 76–84 months | 6.89% | Regular rate. 2026 model year. |
| 85–87 months | 7.49% | Regular rate. 2026 model year. |
| 88–96 months | 10.19% | Regular rate. 2025 model year. |
Used Auto Loan
Rate is based on model year, loan term, creditworthiness, and LTV. Northwest Federal finances vehicles up to 10 model years old. Valid for purchases and refinances from another lender; internal NWFCU refinances excluded from special rates. Cash out refinances ineligible. Vehicles with mileage over 100,000 add 2 percentage points. Vehicles over 10 years old and classic/collectible cars add 2 percentage points to oldest vehicle rate. Excludes Tesla new and used autos on certain promotions.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.19% | Special promotional rate. Used 2025-2026 model years. Maximum 90% LTV. |
| 37–63 months | 5.69% | Special promotional rate. Used 2025-2026 model years. Maximum 90% LTV. |
| 64–75 months | 5.89% | Special promotional rate. Used 2025-2026 model years. Maximum 90% LTV. |
| 76–84 months | 6.64% | Special promotional rate. Used 2025-2026 model years. Maximum 90% LTV. |
| 64–75 months | 5.99% | Special promotional rate. Used 2024 model year. Maximum 90% LTV. |
| up to 36 months | 5.29% | Special promotional rate. Used 2023 model year. Maximum 90% LTV. |
| 37–63 months | 5.79% | Special promotional rate. Used 2023 model year. Maximum 90% LTV. |
| 64–72 months | 6.19% | Special promotional rate. Used 2023 model year. Maximum 90% LTV. |
| up to 36 months | 5.49% | Special promotional rate. Used 2022 model year. Maximum 90% LTV. |
| 37–63 months | 5.99% | Special promotional rate. Used 2022 model year. Maximum 90% LTV. |
| 64–72 months | 6.39% | Special promotional rate. Used 2022 model year. Maximum 90% LTV. |
| up to 36 months | 6.29% | Special promotional rate. Used 2021 model year. Maximum 90% LTV. |
| 37–54 months | 6.79% | Special promotional rate. Used 2021 model year. Maximum 90% LTV. |
| 55–66 months | 7.29% | Special promotional rate. Used 2021 model year. Maximum 90% LTV. |
| 37–63 months | 5.89% | Regular rate. 2025 model year. |
| 64–75 months | 6.09% | Regular rate. 2025 model year. |
| 76–84 months | 6.89% | Regular rate. 2025 model year. |
| up to 36 months | 5.39% | Regular rate. 2024 model year. |
| 64–75 months | 6.19% | Regular rate. 2024 model year. |
| up to 36 months | 5.69% | Regular rate. 2022 model year. |
| 37–63 months | 6.19% | Regular rate. 2022 model year. |
| 64–72 months | 6.59% | Regular rate. 2022 model year. |
| up to 36 months | 6.49% | Regular rate. 2020-2021 model years. |
| 37–54 months | 6.99% | Regular rate. 2020-2021 model years. |
| 55–66 months | 7.49% | Regular rate. 2020-2021 model years. |
| up to 36 months | 7.39% | Regular rate. 2017-2019 model years. |
| 37–54 months | 7.89% | Regular rate. 2017-2019 model years. |
| 55–66 months | 8.39% | Regular rate. 2017-2019 model years. |
Who can join Northwest Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees, members, and volunteers of over 600 partner businesses and community organizations nationwide are eligible for membership.
Military, government and schools
- Employees or members of several federal government agencies are eligible for membership.
Family and household
- Immediate family members (spouse, children, siblings, parents, grandparents) and household members (sharing residence and living expenses) of eligible members are eligible to join.
Cost to join
- Membership requires opening a primary savings account.
Membership information collected October 4, 2026.