Credit union · NCUA insured
Northwest Plus Credit Union Auto Loan Rates
Northwest Plus Credit Union auto loans start at 4.49% APR for a new vehicle and 4.99% for a used one. Rates checked October 22, 2026.
How Northwest Plus Credit Union’s auto loan rates compare
Compared with banks and credit unions near Seattle, WA, where Northwest Plus Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Northwest Plus Credit Union
4.49%APR
- Terms
- —
- Up to
- 12.74% APR
Vehicle Loans (Standard)
Lowest rate
Ironworkers USA Credit Union
4.24%APR
- Terms
- 36–84 months
- Up to
- 18.00% APR
2nd-lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
- Up to
- —
Northwest Plus Credit Union auto loan score
88
Auto loan score
Higher than 82% of U.S. banks and credit unions
- New vehicleNew4.49%
- 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 Northwest Plus 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 (New Members Intro)
Offer is for new NW Plus CU members, meaning that you must not have been a NW Plus CU member for at least the past 12 consecutive months prior to joining, and must have been a member in good standing when previous membership terminated. Current NW Plus CU members and their immediate family members are not eligible. Apply within 30 days of joining, and loan must close within 30 days of application date. New money only. Valid on new or used vehicles, purchase or refinance. After 12 months, rate adjusts based on your regular qualifying rate when you were approved for the loan; currently 4.49% to 12.74%. Rates subject to change without notice. Final rate determined on credit score and loan term. All loans subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| — | 3.50% | Introductory rate of 3.50% APR for first 12 months on a new or used, purchase or refinance auto loan. After 12 months, rate adjusts based on regular qualifying rate (currently 4.49% to 12.74%). New members and new money only. Must apply within 30 days of joining, loan must close within 30 days of application. |
No ongoing APR is published for this loan, only the rate above.
Sources (1)
- nwpluscu.com/intro-rate-on-aut…ans-for-new-members.html · captured Oct 22, 2026
Vehicle Loans (Standard)
Rates are subject to change without notice. Final rate determined on credit score and loan term.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.49%–12.74% | Purchase & Refinance option for new cars. Model year 2024 and newer. |
| — | 4.99%–12.74% | Purchase & Refinance option for used cars. |
| — | 5.49%–13.74% | NW Plus Internal Refinance option for new cars. Model year 2024 and newer. |
| — | 5.99%–13.74% | NW Plus Internal Refinance option for used cars. |
Who can join Northwest Plus 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 open to anyone who lives, works, or worships in the State of Washington.
Cost to join
- A $5.00 deposit into a regular savings account is required to open an account and begin membership.
Membership information collected October 4, 2026.