Credit union · NCUA insured
Pacific NW Federal Credit Union Auto Loan Rates
Pacific NW Federal Credit Union auto loans start at 5.34% APR for a new vehicle and 5.49% for a used one. Rates checked October 22, 2026.
How Pacific NW Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Portland, OR-WA, where Pacific NW Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Pacific NW Federal Credit Union
5.34%APR
- Terms
- up to 60 months
- Up to
- 18.00% APR
New Auto Loan
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
Pacific NW Federal Credit Union auto loan score
75
Auto loan score
Higher than 38% of U.S. banks and credit unions
- New vehicleNew5.34%
- Used vehicleUsed5.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Pacific NW Federal 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 Loan
Collateral years 2023 & Newer. Membership required to borrow. Rate discounts available: 0.25% off for automatic loan payments from active checking, 0.15% off for LTV <= 100%, 0.50% off for K-12 teacher/classified employee, and 0.25% (or 0.50% limited time promo) for EV/Hybrid vehicle. Rate based on repayment period, collateral year, credit qualifications, and discounts.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.34%–18.00% | Collateral years 2023 & Newer. Up to 60 months. |
| 61–72 months | 5.44%–18.00% | Collateral years 2023 & Newer. 61 - 72 months. |
| 73–84 months | 5.64%–18.00% | Collateral years 2023 & Newer. 73 - 84 months. |
Sources (1)
- pnwfcu.org/loans/loan-rates · captured Oct 22, 2026
Older Auto Loan
Collateral years 2016 & Older. Membership required to borrow. Rate based on repayment period, collateral year, credit qualifications, and available discounts.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 8.90%–18.00% | Collateral years 2016 & Older. Up to 60 months. Stated APR does not include applicable discounts. |
Sources (1)
- pnwfcu.org/loans/loan-rates · captured Oct 22, 2026
Used Auto Loan
Collateral years 2017-2022. Membership required to borrow. Rate discounts available: 0.25% off for automatic loan payments from active checking, 0.15% off for LTV <= 100%, 0.50% off for K-12 teacher/classified employee, and 0.25% (or 0.50% limited time promo) for EV/Hybrid vehicle. Rate based on repayment period, collateral year, credit qualifications, and discounts.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.49%–18.00% | Collateral years 2017-2022. Up to 60 months. |
| 61–72 months | 5.59%–18.00% | Collateral years 2017-2022. 61 - 72 months. |
| 73–84 months | 5.79%–18.00% | Collateral years 2017-2022. 73 - 84 months. |
Sources (1)
- pnwfcu.org/loans/loan-rates · captured Oct 22, 2026
Who can join Pacific NW Federal 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 persons who live, work (or regularly conduct business in), volunteer, worship, or attend school in Clackamas, Columbia, Hood River, Multnomah, Washington, or Yamhill Counties in Oregon, or Clark or Skamania Counties in Washington, as well as businesses, organizations, and legal entities located there.
Employers and groups
- Employees of Pacific NW Federal Credit Union are eligible for membership.
Family and household
- Membership is available to immediate family or household members of current members, and spouses of persons who died while within the field of membership.
Membership information collected October 4, 2026.