Credit union · NCUA insured
Our Community CU Auto Loan Rates
Top CarrotOur Community CU auto loans start at 4.49% APR for a new vehicle and 4.49% for a used one. Rates checked October 22, 2026.
How Our Community CU’s auto loan rates compare
Compared with banks and credit unions near Aberdeen, WA, where Our Community CU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Our Community CU
4.49%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- None included
Auto Loan
2nd-lowest rate
Great NorthWest Federal Credit Union
5.69%APR
- Terms
- up to 84 months
- Up to
- 17.99% APR
- Discount
- Included in the rate
3rd-lowest rate
Peak Credit Union
5.74%APR
- Terms
- —
- Up to
- 18.00% APR
- Discount
- Included in the rate
Our Community CU auto loan score
89
Auto loan score
Higher than 89% of U.S. banks and credit unions
- New vehicleNew4.49%
- Used vehicleUsed4.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Our Community CU 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 Loan
Rates fixed and based on creditworthiness, term of loan, and mileage. 100% financing available for new or used vehicles.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.49% | Limited-time promotion ending October 31, 2026. For a 60-month term. Valid on eligible vehicle purchases and refinances from other financial institutions (current OURCU auto loans not eligible). Eligible vehicles must be model year 2020 or newer with fewer than 100,000 miles. Offer cannot be combined with other promotions. Subject to credit approval, membership eligibility, and standard underwriting guidelines. Other restrictions may apply. |
| up to 72 months | 4.89% | Limited-time promotion ending October 31, 2026. For a 72-month term. Valid on eligible vehicle purchases and refinances from other financial institutions (current OURCU auto loans not eligible). Eligible vehicles must be model year 2020 or newer with fewer than 100,000 miles. Offer cannot be combined with other promotions. Subject to credit approval, membership eligibility, and standard underwriting guidelines. Other restrictions may apply. |
| up to 84 months | 5.19% | Limited-time promotion ending October 31, 2026. For an 84-month term. Valid on eligible vehicle purchases and refinances from other financial institutions (current OURCU auto loans not eligible). Eligible vehicles must be model year 2020 or newer with fewer than 100,000 miles. Offer cannot be combined with other promotions. Subject to credit approval, membership eligibility, and standard underwriting guidelines. Other restrictions may apply. |
First Time Auto Loan Program
For first-time borrowers with no or limited credit history. Must be an OURCU member in good standing. New or used auto.
| Terms | APR | Conditions |
|---|---|---|
| — | 11.95% | Rates fixed and based on credit score, term of loan, and mileage (not to exceed 200,000 miles). Qualifying loans with 90% LTV or less and credit scores of 650+ may be eligible for a 0.50% rate discount. |
Sources (1)
- ourcu.com/auto-loans · captured Oct 22, 2026
Motorcycle Loans
Rates based on credit score. Certain credit score and term requirements apply. Example: A $15,000 loan at a 6 year term at 7.49% is approximately $259/month. Rate, down payment, and maximum term are dependent on credit.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 7.49%–15.74% | Up to 84 months based on credit score. Fixed APR. |
Sources (1)
- ourcu.com/all-rates · captured Oct 22, 2026
Who can join Our Community CU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone living, working, or attending school in the state of Washington can join.
Membership information collected October 4, 2026.