Credit union · NCUA insured
Responders Emergency Services Credit Union Auto Loan Rates
Top CarrotResponders Emergency Services Credit Union auto loans start at 3.99% APR for a new vehicle and 3.99% for a used one. Rates checked October 22, 2026.
How Responders Emergency Services Credit Union’s auto loan rates compare
Compared with banks and credit unions near Spokane, WA, where Responders Emergency Services Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Responders Emergency Services Credit Union
3.99%APR
- Terms
- up to 72 months
- Up to
- —
- Discount
- None included
New & Used Automobiles
2nd-lowest rate
Ironworkers USA Credit Union
4.24%APR
- Terms
- 36–84 months
- Up to
- 18.00% APR
- Discount
- None included
3rd-lowest rate
Progressions Credit Union
4.49%APR
- Terms
- up to 96 months
- Up to
- 17.99% APR
- Discount
- Included in the rate
Responders Emergency Services Credit Union auto loan score
94
Auto loan score
Higher than 96% of U.S. banks and credit unions
- New vehicleNew3.99%
- Used vehicleUsed3.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Responders Emergency Services 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 & Used Automobiles
Offers up to 100% financing on loans including tax, license, vehicle warranties, and GAP insurance. Rate applies to all street-legal vehicles. Rate discounts may apply based on credit union services (direct deposit, Visa credit card, length of employment over 5 years, active checking with automatic loan payments, unsecured debt <= 15% of annual gross income). Rate customized by credit rating (FICO score). Promotional rates are priced at best rate and not eligible for additional discounts.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 3.79% | Special promotional rate for new and used vehicles for 48 months. 7 years or newer model years. Some promotional rates may require payroll direct deposit and automatic transfer from RESCU Checking Account. Rate based on creditworthiness and term. Rates subject to change. |
| up to 72 months | 3.99% | Special promotional rate for new and used vehicles for 72 months. 7 years or newer model years. Some promotional rates may require payroll direct deposit and automatic transfer from RESCU Checking Account. Rate based on creditworthiness and term. Rates subject to change. |
Who can join Responders Emergency Services Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Active, prior, or retired employees, certified/commissioned individuals, and support staff of Law Enforcement related agencies and organizations in Washington State and specified Idaho counties are eligible for membership.
- Active, prior, or retired employees, certified/commissioned individuals, and support staff of Firefighter related agencies and organizations in Washington State and specified Idaho counties are eligible for membership.
- Active, prior, or retired employees, certified/commissioned individuals, and support staff of Emergency Medical Services related agencies and organizations in Washington State and specified Idaho counties are eligible for membership.
Family and household
- Family members sponsored by a current RESCU member in good standing are eligible for membership.
Membership information collected October 4, 2026.