Credit union · NCUA insured
Point West Credit Union Auto Loan Rates
Point West Credit Union auto loans start at 5.24% APR for a new vehicle and 5.59% for a used one. Rates checked October 22, 2026.
How Point West Credit Union’s auto loan rates compare
Compared with banks and credit unions near Portland, OR-WA, where Point West Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Point West Credit Union
5.24%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- Included in the rate
New Vehicle Loan (2023 and newer)
Lowest rate
Longshoremen's Local 4 Federal Credit Union
1.99%APR
- Terms
- up to 84 months
- Up to
- —
- Discount
- None included
2nd-lowest rate
Ironworkers USA Credit Union
4.24%APR
- Terms
- 36–84 months
- Up to
- 18.00% APR
- Discount
- None included
Point West Credit Union auto loan score
69
Auto loan score
Higher than 25% of U.S. banks and credit unions
- New vehicleNew5.24%
- Used vehicleUsed5.59%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Point West 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 Vehicle Loan (2023 and newer)
Rates based on credit history and current credit report. Loan term may be based on amount financed, age of collateral, and credit score. Subject to credit approval. For lowest rate, payments must be made via automatic payment. Rate is 0.25% APR higher for non-auto pay loan payments. Quoted rate applies only to directly funded loans.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.99% | For lowest rate, payments must be made via automatic payment. Rate is 0.25% APR higher for non-auto pay loan payments. Directly funded loans only. |
| up to 36 months | 4.99% | For lowest rate, payments must be made via automatic payment. Rate is 0.25% APR higher for non-auto pay loan payments. Directly funded loans only. |
| up to 48 months | 4.99% | For lowest rate, payments must be made via automatic payment. Rate is 0.25% APR higher for non-auto pay loan payments. Directly funded loans only. |
| up to 60 months | 5.24% | For lowest rate, payments must be made via automatic payment. Rate is 0.25% APR higher for non-auto pay loan payments. Directly funded loans only. |
| up to 72 months | 5.49% | For lowest rate, payments must be made via automatic payment. Rate is 0.25% APR higher for non-auto pay loan payments. Directly funded loans only. |
| up to 84 months | 5.74% | For lowest rate, payments must be made via automatic payment. Rate is 0.25% APR higher for non-auto pay loan payments. Directly funded loans only. |
Older Used Vehicle (2014-2017)
Rates based on credit history and current credit report. Loan term may be based on amount financed, age of collateral, and credit score. Subject to credit approval. For lowest rate, payments must be made via automatic payment. Rate is 0.25% APR higher for non-auto pay loan payments. Quoted rate applies only to directly funded loans.
| Terms | APR | Conditions |
|---|---|---|
| 1–60 months | 6.99% | For lowest rate, payments must be made via automatic payment. Rate is 0.25% APR higher for non-auto pay loan payments. Directly funded loans only. |
Sources (1)
- pointwestcu.com/personal/vehicle-loans · captured Oct 15, 2026
Used Vehicle Loan (2018 – 2022)
Rates based on credit history and current credit report. Loan term may be based on amount financed, age of collateral, and credit score. Subject to credit approval. For lowest rate, payments must be made via automatic payment. Rate is 0.25% APR higher for non-auto pay loan payments. Quoted rate applies only to directly funded loans.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 5.34% | For lowest rate, payments must be made via automatic payment. Rate is 0.25% APR higher for non-auto pay loan payments. Directly funded loans only. |
| up to 36 months | 5.34% | For lowest rate, payments must be made via automatic payment. Rate is 0.25% APR higher for non-auto pay loan payments. Directly funded loans only. |
| up to 48 months | 5.34% | For lowest rate, payments must be made via automatic payment. Rate is 0.25% APR higher for non-auto pay loan payments. Directly funded loans only. |
| up to 60 months | 5.59% | For lowest rate, payments must be made via automatic payment. Rate is 0.25% APR higher for non-auto pay loan payments. Directly funded loans only. |
| up to 72 months | 5.84% | For lowest rate, payments must be made via automatic payment. Rate is 0.25% APR higher for non-auto pay loan payments. Directly funded loans only. |
| up to 84 months | 6.09% | For lowest rate, payments must be made via automatic payment. Rate is 0.25% APR higher for non-auto pay loan payments. Directly funded loans only. |
Sources (1)
- pointwestcu.com/personal/vehicle-loans · captured Oct 15, 2026
Who can join Point West Credit Union
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