Credit union · NCUA insured
Numerica Credit Union Auto Loan Rates
Numerica Credit Union auto loans start at 4.99% APR for a new vehicle and 4.99% for a used one. Rates checked October 22, 2026.
How Numerica Credit Union’s auto loan rates compare
Compared with banks and credit unions near Spokane, WA, where Numerica Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Numerica Credit Union
4.99%APR
- Terms
- up to 84 months
- Up to
- 15.24% APR
- Discount
- Included in the rate
Auto Loans
Lowest rate
Responders Emergency Services Credit Union
3.99%APR
- Terms
- up to 72 months
- Up to
- —
- Discount
- None included
2nd-lowest rate
Ironworkers USA Credit Union
4.24%APR
- Terms
- 36–84 months
- Up to
- 18.00% APR
- Discount
- None included
Numerica Credit Union auto loan score
79
Auto loan score
Higher than 48% of U.S. banks and credit unions
- New vehicleNew4.99%
- 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 Numerica 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
Financing subject to Numerica Credit Union membership, credit approval, and underwriting criteria. Open to individuals who live, work, or worship in Washington or North Idaho, and their family/household members. Requires a $50 document preparation fee. As low as 0% down payment on approved credit.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.99%–15.24% | Fixed APR for new, used, or refinanced car or truck loans with terms up to 84 months. APR reflects discounts up to 0.50% (0.25% discount with automatic payment from Numerica checking account and/or 0.25% discount with a Numerica Visa credit card or another Numerica loan). As low as 0% down payment on approved credit. |
Sources (3)
All captured Oct 4, 2026
Who can join Numerica Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligibility is open to anyone who lives, works, or worships in North Idaho.
- Eligibility is open to anyone who lives, works, or worships in Washington state.
Family and household
- Eligibility is open to individuals who are related to or live with someone who is eligible.
Cost to join
- There is no membership fee to join Numerica Credit Union.
Membership information collected October 4, 2026.