Credit union · NCUA insured
OnPoint Community Credit Union Auto Loan Rates
OnPoint Community Credit Union auto loans start at 4.99% APR for a new vehicle and 5.14% for a used one. Rates checked October 22, 2026.
How OnPoint Community Credit Union’s auto loan rates compare
Compared with banks and credit unions near Portland, OR-WA, where OnPoint Community Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
OnPoint Community Credit Union
4.99%APR
- Terms
- 36–60 months
- Up to
- 9.44% APR
2023 & Newer Auto Loans (Cars, trucks & vans)
Lowest rate
Longshoremen's Local 4 Federal Credit Union
1.99%APR
- Terms
- up to 84 months
- Up to
- —
2nd-lowest rate
Ironworkers USA Credit Union
4.24%APR
- Terms
- 36–84 months
- Up to
- 18.00% APR
OnPoint Community Credit Union auto loan score
82
Auto loan score
Higher than 57% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed5.14%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where OnPoint Community 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.
2016-2019 Used Auto Loans (Cars, trucks & vans)
Fixed rate. Subject to credit approval. Rates are based on evaluation of credit history and other loan factors. LTV is calculated using Kelley Blue Book retail value, MSRP, or purchase price, whichever is lowest. Excludes refinance of existing OnPoint auto loans. Eligible for 0.25% OnPoint Rewards discount and 0.25% Green Auto Discount.
| Terms | APR | Conditions |
|---|---|---|
| 36–60 months | 5.14%–9.84% | — |
| up to 72 months | 5.39%–10.19% | 72-month term for model years 2016 – 2019 requires a minimum $12,000 loan amount. |
Sources (2)
All captured Oct 3, 2026
2020-2022 Used Auto Loans (Cars, trucks & vans)
Fixed rate. Subject to credit approval. Rates are based on evaluation of credit history and other loan factors. LTV is calculated using Kelley Blue Book retail value, MSRP, or purchase price, whichever is lowest. Excludes refinance of existing OnPoint auto loans. Eligible for 0.25% OnPoint Rewards discount and 0.25% Green Auto Discount.
| Terms | APR | Conditions |
|---|---|---|
| 36–60 months | 5.14%–9.84% | — |
| up to 72 months | 5.39%–10.19% | — |
| up to 84 months | 5.84%–11.49% | 84-month term offered on model years 2020-2022 only. Requires a minimum $15,000 loan amount. |
Sources (2)
All captured Oct 3, 2026
2023 & Newer Auto Loans (Cars, trucks & vans)
Fixed rate. Subject to credit approval. Rates are based on evaluation of credit history and other loan factors. LTV is calculated using Kelley Blue Book retail value, MSRP, or purchase price, whichever is lowest. Excludes refinance of existing OnPoint auto loans. Eligible for 0.25% OnPoint Rewards discount and 0.25% Green Auto Discount.
| Terms | APR | Conditions |
|---|---|---|
| 36–60 months | 4.99%–9.44% | — |
| up to 72 months | 5.24%–9.89% | — |
| up to 84 months | 5.49%–10.14% | Requires a minimum $15,000 loan amount. |
| up to 96 months | 7.24%–12.74% | Requires a minimum $25,000 loan amount and $15,000 maximum negative equity. |
Sources (2)
All captured Oct 3, 2026
Older/Other Titled Vehicles
Fixed rate. Includes autos 2015 and older; motorcycles, boats, RVs 2016 and older; and small recreation vehicles including ATVs, jet skis, and cargo trailers. Maximum LTV is 100% unless otherwise noted, calculated using Kelley Blue Book retail value or J.D. Power high value. Subject to credit approval and collateral evaluation.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 10.99%–12.99% | — |
Sources (2)
All captured Oct 3, 2026
Who can join OnPoint Community 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 any of the 33 served Oregon counties are eligible for membership.
- Individuals who live, work, worship, or go to school in any of the 4 served Washington counties (Clark, Skamania, Cowlitz, Lewis) are eligible for membership.
Family and household
- Family members of a person eligible for OnPoint membership are eligible to join.
Membership information collected October 4, 2026.