Credit union · NCUA insured
People's Community Federal Credit Union Auto Loan Rates
People's Community Federal Credit Union auto loans start at 6.50% APR for a new vehicle and 7.00% for a used one. Rates checked October 22, 2026.
How People's Community Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Portland, OR-WA, where People's Community Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
People's Community Federal Credit Union
6.50%APR
- Terms
- 61+ months
- Up to
- —
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
People's Community Federal Credit Union auto loan score
62
Auto loan score
Higher than 6% of U.S. banks and credit unions
- New vehicleNew6.50%
- Used vehicleUsed7.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where People's Community 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.
Auto Loans
Membership required (live, work, or worship in Clark, Cowlitz, or Skamania counties). Rates are the same for all members regardless of credit score. Applicable to new PCCU loans and not available for refinancing PCCU loans.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.50% | Auto specials: Model year 2019 or newer. |
| up to 60 months | 5.50% | Model year 2019 or newer. |
| 61+ months | 6.50% | New Autos (61+ Months): Model Years 2023 or Newer (Includes Tax and License). |
| 61+ months | 7.00% | Used Autos (61+ Months): Model Years 2019 to 2022. |
| — | 10.50% | Older Used Autos: Model years 2018 or older. |
Refinance Auto Loan (Match-a-Rate)
Refinance an existing auto loan from another lender. Not available for refinancing existing People's / PCCU loans. Rate match to lender's current rate with a minimum rate of 2.99% APR. Applies to loans 12 months or longer; bonus must be refunded if loan is paid off in less than 12 months. Subject to credit qualifications.
| Terms | APR | Conditions |
|---|---|---|
| 12+ months | 2.99% | Current loan balance $1,000 to $5,000 receives a $100 bonus. |
| 12+ months | 2.99% | Current loan balance $5,001 to $20,000 receives a $200 bonus. |
| 12+ months | 2.99% | Current loan balance $20,000 plus receives a $300 bonus. |
Who can join People's Community 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
- Individuals who live, work, or worship in Clark, Cowlitz, or Skamania counties are eligible for membership.
Family and household
- Family members of eligible members are eligible to join, regardless of where they live.
Cost to join
- Membership requires paying a $5 membership fee and depositing $50 into a Carefree Savings account (or maintaining $5 in Carefree Savings if opening another deposit account).
Membership information collected October 4, 2026.