Credit union · NCUA insured
Puget Sound Cooperative Credit Union Auto Loan Rates
Puget Sound Cooperative Credit Union auto loans start at 4.74% APR for a new vehicle and 4.99% for a used one. Rates checked October 22, 2026.
How Puget Sound Cooperative Credit Union’s auto loan rates compare
Compared with banks and credit unions near Seattle, WA, where Puget Sound Cooperative Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Puget Sound Cooperative Credit Union
4.74%APR
- Terms
- up to 60 months
- Up to
- 13.24% APR
- Discount
- Included in the rate
New Electric, Plug-in Hybrid, or Hybrid Vehicles (Model Year 2025 or newer)
Lowest rate
Ironworkers USA Credit Union
4.24%APR
- Terms
- 36–84 months
- Up to
- 18.00% APR
- Discount
- None included
2nd-lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
- Up to
- —
- Discount
- None included
Puget Sound Cooperative Credit Union auto loan score
81
Auto loan score
Higher than 54% of U.S. banks and credit unions
- New vehicleNew4.74%
- Used vehicleUsed4.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Puget Sound Cooperative 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 Electric, Plug-in Hybrid, or Hybrid Vehicles (Model Year 2025 or newer)
For Model Year 2025 or newer. Up to 100% financing including tax and license. Rate based on creditworthiness (Equifax Credit Score) and loan amount. Rates assume automatic payment; rates without automatic payment are 0.25% higher. Wave Club members receive an additional 0.25% rate discount with an active checking account and active Visa Credit Card. PSCCU membership required.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.74%–13.24% | Assumes automatic payment. Without automatic payment, APR is 0.25% higher. Wave Club members eligible for an additional 0.25% discount. |
| up to 72 months | 4.99%–14.24% | Assumes automatic payment. Without automatic payment, APR is 0.25% higher. Wave Club members eligible for an additional 0.25% discount. |
| up to 84 months | 5.99%–8.74% | Assumes automatic payment. Without automatic payment, APR is 0.25% higher. Wave Club members eligible for an additional 0.25% discount. |
New Vehicles (Model Year 2025 or newer)
For Model Year 2025 or newer. Up to 100% financing including tax and license. Rate based on creditworthiness (Equifax Credit Score) and loan amount. Rates assume automatic payment; rates without automatic payment are 0.25% higher. Wave Club members receive an additional 0.25% rate discount with an active checking account and active Visa Credit Card. PSCCU membership required.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.24%–13.74% | Assumes automatic payment. Without automatic payment, APR is 0.25% higher. Wave Club members eligible for an additional 0.25% discount. |
| up to 72 months | 5.49%–14.74% | Assumes automatic payment. Without automatic payment, APR is 0.25% higher. Wave Club members eligible for an additional 0.25% discount. |
| up to 84 months | 6.49%–9.24% | Assumes automatic payment. Without automatic payment, APR is 0.25% higher. Wave Club members eligible for an additional 0.25% discount. |
Used Electric, Plug-in Hybrid, or Hybrid Vehicles (Model Year 2024 or older)
For Model Year 2024 or older. Financing up to 100% of high NADA book value. Rate based on creditworthiness (Equifax Credit Score) and loan amount. Rates assume automatic payment; rates without automatic payment are 0.25% higher. Wave Club members receive an additional 0.25% rate discount with an active checking account and active Visa Credit Card. PSCCU membership required.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.99%–13.49% | Assumes automatic payment. Without automatic payment, APR is 0.25% higher. Wave Club members eligible for an additional 0.25% discount. |
| up to 72 months | 5.24%–14.49% | Assumes automatic payment. Without automatic payment, APR is 0.25% higher. Wave Club members eligible for an additional 0.25% discount. |
Used Vehicles (Model Year 2024 or older)
For Model Year 2024 or older. Financing up to 100% of high NADA book value. Rate based on creditworthiness (Equifax Credit Score) and loan amount. Rates assume automatic payment; rates without automatic payment are 0.25% higher. Wave Club members receive an additional 0.25% rate discount with an active checking account and active Visa Credit Card. PSCCU membership required.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.49%–13.99% | Assumes automatic payment. Without automatic payment, APR is 0.25% higher. Wave Club members eligible for an additional 0.25% discount. |
| up to 72 months | 5.74%–14.99% | Assumes automatic payment. Without automatic payment, APR is 0.25% higher. Wave Club members eligible for an additional 0.25% discount. |
Who can join Puget Sound Cooperative Credit Union
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