Credit union · NCUA insured
SELCO Community Credit Union Auto Loan Rates
SELCO Community Credit Union auto loans start at 5.24% APR for a new vehicle and 5.24% for a used one. Rates checked October 22, 2026.
How SELCO Community Credit Union’s auto loan rates compare
Compared with banks and credit unions near Eugene, OR, where SELCO Community Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
SELCO Community Credit Union
5.24%APR
- Terms
- —
- Up to
- —
- Discount
- None included
Vehicle Loan
Lowest rate
Pacific Cascade
2.65%APR
- Terms
- —
- Up to
- 16.65% APR
- Discount
- None included
2nd-lowest rate
Emerald Empire Federal Credit Union
4.25%APR
- Terms
- up to 84 months
- Up to
- 14.25% APR
- Discount
- Included in the rate
SELCO Community Credit Union auto loan score
79
Auto loan score
Higher than 48% of U.S. banks and credit unions
- New vehicleNew5.24%
- Used vehicleUsed5.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where SELCO Community 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 Loan Refinance
Refinance a vehicle loan from another institution (includes lease buyout; existing SELCO loans/leases not eligible). Vehicle must be no older than 20 years and have no more than 150,000 miles. Covers title fee up to $200. Cannot be combined with any other discount or promotion.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.74% | Available when loan-to-value (LTV) is 75% or less. Includes a 0.50% interest rate/APR reduction on the lowest available rate. Vehicle must be no older than 20 years and have no more than 150,000 miles. Existing SELCO loans not eligible. |
| — | 5.24% | Available for refinance with loan-to-value (LTV) above 75%. |
Sources (2)
All captured Oct 15, 2026
Vehicle Loan
Available for new and used vehicles. Fixed APR based on credit qualifications, term of loan, vehicle age, loan amount, and loan-to-value. Approved APR is 0.50% higher without automatic payments and continuous enrollment in eStatements. Membership required.
| Terms | APR | Conditions |
|---|---|---|
| — | 5.24%–20.64% | Standard schedule range for new and used vehicle loans. First time auto buyers can receive a 0.20% discount for completion of the Understanding Credit Course. Approved APR will be 0.50% higher without automatic payments and continuous enrollment in eStatements. |
| — | 5.24% | New auto loan rate as low as 5.24% APR. |
| — | 6.49% | Used auto loan rate as low as 6.49% APR. |
Sources (3)
All captured Oct 15, 2026
Who can join SELCO Community 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 or work in one of the 27 Oregon or 8 Washington counties served by SELCO are eligible for membership.
Family and household
- Individuals who have a family member living in one of the 27 Oregon or 8 Washington counties served by SELCO are eligible for membership.
- Individuals whose domestic partner is a SELCO member are eligible for membership.
Other ways
- Businesses are eligible for membership.
Membership information collected October 4, 2026.