Credit union · NCUA insured
Oregonians Credit Union Auto Loan Rates
Oregonians Credit Union auto loans start at 5.41% APR for a new vehicle and 5.41% for a used one. Rates checked October 22, 2026.
How Oregonians Credit Union’s auto loan rates compare
Compared with banks and credit unions near Portland, OR-WA, where Oregonians Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Oregonians Credit Union
5.41%APR
- Terms
- up to 60 months
- Up to
- 18.00% APR
New & Used Auto Loans
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
Oregonians Credit Union auto loan score
75
Auto loan score
Higher than 40% of U.S. banks and credit unions
- New vehicleNew5.41%
- Used vehicleUsed5.41%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Oregonians 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.
Bicycles & Electric Bike Loans
Maximum loan amount $10,000. Fixed rate. Terms up to 36 months. UCC will be filed. Add 1% when guarantor is required.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 6.91%–10.91% | Standard Rate is fixed, same for all terms up to 36 months. Rates across credit tiers range from 6.91% (A+) to 10.91% (D). Max LTV 80%. |
Sources (1)
- oregonianscu.com/rates · captured Oct 15, 2026
First Time Auto Buyer Loan
Must be 18 years of age or older with $1,500 monthly gross income and 1 year on the job (or 2 years in same line of work). Proof of income required. No derogatory credit history and no previous auto loans/trade line. 10% down payment required. Vehicle must be 10 years old or newer with under 100,000 miles. Maximum loan amount $25,000. Max LTV 90%.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 12.11% | Standard Rate is fixed and the same for all terms up to 72 months. Max LTV 90%. |
Motorcycle Loans
Fixed rates. Terms up to 60 months. Maximum loan amount $100,000. Add 1% when guarantor is required.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 8.91%–12.91% | Motorcycles (<1000cc). Fixed Standard APR across credit tiers ranges from 8.91% (A+) to 12.91% (D). Max LTV 80%. |
| up to 60 months | 7.91%–11.91% | Motorcycles (>1000cc). Fixed Standard APR across credit tiers ranges from 7.91% (A+) to 11.91% (D). Max LTV 100%. |
Sources (1)
- oregonianscu.com/rates · captured Oct 15, 2026
New & Used Auto Loans
Fixed rates. Maximum loan amount $100,000. Terms up to 84 months. No payments for 60 days. 10-day grace period. Vehicles over 130,000 miles have a max LTV of 90% and max term of 48 months. Collector cars must be driven no more than 1,000 miles/yr max, max LTV 80% of appraised value or CPI Black Book value. Add 1% when guarantor is required.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.36%–13.36% | Fixed rate. 36 Months term. 2022 & Newer: 5.36% - 12.36%; 2017-2021: 5.86% - 12.86%; 2016 & Older: 6.36% - 13.36%. |
| up to 60 months | 5.41%–18.00% | Fixed rate. 60 Months term. 2022 & Newer: 5.41% - 18.00%; 2017-2021: 5.91% - 18.00%; 2016 & Older: 6.41% - 18.00%. |
| up to 72 months | 5.45%–18.00% | Fixed rate. 72 Months term. 2022 & Newer: 5.45% - 18.00%; 2017-2021: 5.95% - 18.00%; 2016 & Older: 6.45% - 18.00%. |
| up to 84 months | 5.48%–8.18% | Fixed rate. 84 Months term. 2022 & Newer: 5.48% - 7.18%; 2017-2021: 5.98% - 7.68%; 2016 & Older: 6.48% - 8.18% (Credit tiers C/D are N/A for 84 months). |
Sources (3)
All captured Oct 15, 2026
Who can join Oregonians 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, work, or attend school in eligible Oregon counties are eligible to join.
Family and household
- Immediate family members of an Oregonians member in good standing are eligible to join.
Cost to join
- A $10 opening deposit is required to establish membership.
Membership information collected October 4, 2026.