Credit union · NCUA insured
Oregon State Credit Union Auto Loan Rates
Oregon State Credit Union auto loans start at 4.94% APR for a new vehicle and 5.44% for a used one. Rates checked October 22, 2026.
How Oregon State Credit Union’s auto loan rates compare
Compared with banks and credit unions near Salem, OR, where Oregon State Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Oregon State Credit Union
4.94%APR
- Terms
- 73–84 months
- Up to
- 17.28% APR
- Discount
- None included
New EV Auto Loans (2025 – 2027)
Lowest rate
Valley Credit Union
4.49%APR
- Terms
- up to 84 months
- Up to
- 17.99% APR
- Discount
- None included
2nd-lowest rate
First Community Credit Union
4.49%APR
- Terms
- up to 72 months
- Up to
- —
- Discount
- Included in the rate
Oregon State Credit Union auto loan score
82
Auto loan score
Higher than 57% of U.S. banks and credit unions
- New vehicleNew4.94%
- Used vehicleUsed5.44%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Oregon State 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 Auto Loans (2025 – 2027)
All loans subject to approval. Lowest rates depend upon credit qualification, amount financed, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month, and a 0.25% APR reduction (excluding indirect loans originated at a dealership) by qualifying for the Premier Member Merits category. Member Merits rate discounts are subject to change.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 5.44%–17.04% | Repayment terms up to 72 months. Model years 2025 – 2027. Rate includes 0.25% automatic payment reduction and 0.25% Premier Member Merits discount. |
| 73–84 months | 5.44%–17.78% | Repayment terms 73-84 months. Model years 2025 – 2027. Rate includes 0.25% automatic payment reduction and 0.25% Premier Member Merits discount. |
| 85–96 months | 7.43%–17.53% | Repayment terms 85-96 months. Model years 2025 – 2027. Rate includes 0.25% automatic payment reduction and 0.25% Premier Member Merits discount. |
Sources (2)
All captured Oct 22, 2026
New EV Auto Loans (2025 – 2027)
All loans subject to approval. Lowest rates depend upon credit qualification, amount financed, receiving a 0.50% discount for financing an electric vehicle, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month, and a 0.25% APR reduction (excluding indirect loans originated at a dealership) by qualifying for the Premier Member Merits category. Member Merits rate discounts are subject to change.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 4.94%–16.54% | Repayment terms up to 72 months. Model years 2025 – 2027. Rate includes 0.50% EV discount, 0.25% automatic payment reduction, and 0.25% Premier Member Merits discount. |
| 73–84 months | 4.94%–17.28% | Repayment terms 73-84 months. Model years 2025 – 2027. Rate includes 0.50% EV discount, 0.25% automatic payment reduction, and 0.25% Premier Member Merits discount. |
| 85–96 months | 6.93%–17.03% | Repayment terms 85-96 months. Model years 2025 – 2027. Rate includes 0.50% EV discount, 0.25% automatic payment reduction, and 0.25% Premier Member Merits discount. |
Sources (2)
All captured Oct 22, 2026
New Hybrid Auto Loans (2025 – 2027)
All loans subject to approval. Lowest rates depend upon credit qualification, amount financed, receiving an EV/hybrid discount, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month, and a 0.25% APR reduction (excluding indirect loans originated at a dealership) by qualifying for the Premier Member Merits category. Member Merits rate discounts are subject to change.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 5.19%–16.79% | Repayment terms up to 72 months. Model years 2025 – 2027. Rate includes hybrid discount, 0.25% automatic payment reduction, and 0.25% Premier Member Merits discount. |
| 73–84 months | 5.19%–17.53% | Repayment terms 73-84 months. Model years 2025 – 2027. Rate includes hybrid discount, 0.25% automatic payment reduction, and 0.25% Premier Member Merits discount. |
| 85–96 months | 7.18%–17.28% | Repayment terms 85-96 months. Model years 2025 – 2027. Rate includes hybrid discount, 0.25% automatic payment reduction, and 0.25% Premier Member Merits discount. |
Sources (2)
All captured Oct 22, 2026
Used Auto Loans (2011 – 2024)
All loans subject to approval. Lowest rates depend upon credit qualification, amount financed, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month, and a 0.25% APR reduction (excluding indirect loans originated at a dealership) by qualifying for the Premier Member Merits category. Member Merits rate discounts are subject to change.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 5.94%–17.53% | Repayment terms up to 72 months. Model years 2011 – 2024. Rate includes 0.25% automatic payment reduction and 0.25% Premier Member Merits discount. |
| 73–84 months | 6.93%–17.79% | Repayment terms 73-84 months. Model years 2011 – 2024. Rate includes 0.25% automatic payment reduction and 0.25% Premier Member Merits discount. |
| 85–96 months | 7.68%–12.53% | Repayment terms 85-96 months. Model years 2011 – 2024. Rate includes 0.25% automatic payment reduction and 0.25% Premier Member Merits discount. |
Sources (2)
All captured Oct 22, 2026
Used EV Auto Loans (2011 – 2024)
All loans subject to approval. Lowest rates depend upon credit qualification, amount financed, receiving a 0.50% discount for financing an electric vehicle, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month, and a 0.25% APR reduction (excluding indirect loans originated at a dealership) by qualifying for the Premier Member Merits category. Member Merits rate discounts are subject to change.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 5.44%–17.03% | Repayment terms up to 72 months. Model years 2011 – 2024. Rate includes 0.50% EV discount, 0.25% automatic payment reduction, and 0.25% Premier Member Merits discount. |
| 73–84 months | 6.43%–17.29% | Repayment terms 73-84 months. Model years 2011 – 2024. Rate includes 0.50% EV discount, 0.25% automatic payment reduction, and 0.25% Premier Member Merits discount. |
| 85–96 months | 7.18%–12.03% | Repayment terms 85-96 months. Model years 2011 – 2024. Rate includes 0.50% EV discount, 0.25% automatic payment reduction, and 0.25% Premier Member Merits discount. |
Sources (2)
All captured Oct 22, 2026
Used Hybrid Auto Loans (2011 – 2024)
All loans subject to approval. Lowest rates depend upon credit qualification, amount financed, receiving an EV/hybrid discount, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month, and a 0.25% APR reduction (excluding indirect loans originated at a dealership) by qualifying for the Premier Member Merits category. Member Merits rate discounts are subject to change.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 5.69%–17.28% | Repayment terms up to 72 months. Model years 2011 – 2024. Rate includes hybrid discount, 0.25% automatic payment reduction, and 0.25% Premier Member Merits discount. |
| 73–84 months | 6.68%–17.54% | Repayment terms 73-84 months. Model years 2011 – 2024. Rate includes hybrid discount, 0.25% automatic payment reduction, and 0.25% Premier Member Merits discount. |
| 85–96 months | 7.43%–12.28% | Repayment terms 85-96 months. Model years 2011 – 2024. Rate includes hybrid discount, 0.25% automatic payment reduction, and 0.25% Premier Member Merits discount. |
Sources (2)
All captured Oct 22, 2026
Who can join Oregon State Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.