Credit union · NCUA insured
SnoCope Credit Union Auto Loan Rates
SnoCope Credit Union auto loans start at 5.50% APR for a new vehicle and 5.75% for a used one. Rates checked October 22, 2026.
How SnoCope Credit Union’s auto loan rates compare
Compared with banks and credit unions near Seattle, WA, where SnoCope Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
SnoCope Credit Union
5.50%APR
- Terms
- up to 72 months
- Up to
- 11.00% APR
Vehicles New
Lowest rate
Ironworkers USA Credit Union
4.24%APR
- Terms
- 36–84 months
- Up to
- 18.00% APR
2nd-lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
- Up to
- —
SnoCope Credit Union auto loan score
69
Auto loan score
Higher than 24% of U.S. banks and credit unions
- New vehicleNew5.50%
- Used vehicleUsed5.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where SnoCope 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
Must refinance from another financial institution; existing SnoCope loans do not qualify. Rates subject to credit rating and credit score. 1% cash back up to $500 deposited into savings account upon funding. Optional 90-day deferred payment option for qualified borrowers (interest accrues immediately).
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 4.99% | Terms up to 72 months. 1.00% cash back up to $500. 90-day deferred payment option available. |
Sources (1)
- snocope.org/loans-and-credit-cards/refinance · captured Oct 4, 2026
Classic Cars (20 years or older)
For vehicles 20 years or older. Maximum term based on amount financed - up to 90% loan to value. Subject to credit rating and approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 6.75%–11.75% | Non-variable APR. Up to 90% loan to value. |
| up to 72 months | 7.75%–12.12% | Non-variable APR. Up to 90% loan to value. |
Sources (1)
- snocope.org/loans-and-credit-cards/auto-loans · captured Oct 4, 2026
First Time Auto Buyer Program
Must be 18-25 years old. Minimum down payment of 10% of purchase price (rebates do not count). Max LTV 100% of Purchase Price or NADA, whichever is lower. Minimum 12 months employment with present employer or 3 months employment and recent BA/BS degree. No credit required, but no outstanding derogatory credit or unpaid collections. Proof of auto insurance required prior to funding. Max vehicle age 7 years, max mileage 125,000. Have not previously financed an auto in name. Must meet DTI requirements. No high performance or modified vehicles.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 9.00% | For new & used vehicles. Rate includes 2% discount with automatic payment transfer from SnoCope Checking Account. Subject to credit approval. Loan amounts up to $12,000. |
Sources (1)
- snocope.org/loans-and-credit-c…-time-auto-buyer-program · captured Oct 4, 2026
Hit the road loan
Subject to credit approval and membership eligibility. Offer expires June 30, 2026. Rate may vary based on credit score, collateral, term, and loan amount. Optional 90-day deferred payment for qualified borrowers (interest accrues immediately).
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 4.99% | New or used vehicle. 72 month term. 90-day deferred payment option available. |
Sources (1)
- snocope.org/loans-and-credit-cards/hit-the-road-loan · captured Oct 4, 2026
Vehicles New
Applicants must qualify for SnoCope Membership. Rates subject to credit rating and approval. Never titled and less than 5,000 miles. Maximum terms based on amount financed - up to 120% loan to value. For loans of $40,001 and up, 15 year terms with 12 year balloon payments available.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.00%–10.50% | Non-variable APR. Never titled and less than 5,000 miles. Up to 120% loan to value. |
| up to 72 months | 5.50%–11.00% | Non-variable APR. Never titled and less than 5,000 miles. Up to 120% loan to value. |
| up to 96 months | 6.50%–12.00% | Non-variable APR. Never titled and less than 5,000 miles. Up to 120% loan to value. |
| up to 144 months | 7.75%–13.25% | Non-variable APR. Never titled and less than 5,000 miles. Up to 120% loan to value. |
Sources (1)
- snocope.org/loans-and-credit-cards/auto-loans · captured Oct 4, 2026
Vehicles Used
Applicants must qualify for SnoCope Membership. Rates subject to credit rating and approval. Maximum terms based on amount financed - up to 120% loan to value. For loans of $40,001 and up, 15 year terms with 12 year balloon payments available.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.25%–10.75% | Non-variable APR. Up to 120% loan to value. |
| up to 72 months | 5.75%–11.25% | Non-variable APR. Up to 120% loan to value. |
| up to 96 months | 6.75%–12.25% | Non-variable APR. Up to 120% loan to value. |
| up to 144 months | 8.00%–13.50% | Non-variable APR. Up to 120% loan to value. |
Sources (1)
- snocope.org/loans-and-credit-cards/auto-loans · captured Oct 4, 2026
Who can join SnoCope Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.