South Coast ILWU Federal Credit Union Auto Loan Rates

How South Coast ILWU Federal Credit Union’s auto loan rates compare

Compared with banks and credit unions near Coos Bay, OR, where South Coast ILWU Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.

This credit union’s lowest
South Coast ILWU Federal Credit Union
3.85%APR
Terms
up to 60 months
Discount
None included
New Auto
2nd-lowest rate
Rogue Credit Union
4.24%APR
Terms
up to 60 months
Discount
Included in the rate
Rogue Credit Union rates
3rd-lowest rate
First Community Credit Union
4.49%APR
Terms
up to 72 months
Discount
Included in the rate
First Community Credit Union rates

Compare auto loan rates near you →

Auto loan score

Higher than 78% of U.S. banks and credit unions

By vehicle

New vehicleNew3.85%
Used vehicleUsed7.90%

Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.

How the score works →

Where South Coast ILWU Federal 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 Auto

Terms	APR	Conditions
up to 36 months	5.40%	Standard rate. Eligible for a 0.25% rate reduction for payroll deduction, direct deposit loan transfer, or bringing financing from another financial institution.
up to 36 months	3.85%	Special rate. Must add at least $5,000.00 to current loan to qualify for the special rate or new loan of $5,000.00 or more. Excluded from 0.25% rate reduction.
up to 48 months	5.90%	Standard rate. Eligible for a 0.25% rate reduction for payroll deduction, direct deposit loan transfer, or bringing financing from another financial institution.
up to 48 months	3.85%	Special rate. Must add at least $5,000.00 to current loan to qualify for the special rate or new loan of $5,000.00 or more. Excluded from 0.25% rate reduction.
up to 60 months	6.40%	Standard rate. Eligible for a 0.25% rate reduction for payroll deduction, direct deposit loan transfer, or bringing financing from another financial institution.
up to 60 months	3.85%	Special rate. Must add at least $5,000.00 to current loan to qualify for the special rate or new loan of $5,000.00 or more. Excluded from 0.25% rate reduction.
up to 72 months	6.90%	Standard rate. Eligible for a 0.25% rate reduction for payroll deduction, direct deposit loan transfer, or bringing financing from another financial institution.
up to 72 months	3.85%	Special rate. Must add at least $5,000.00 to current loan to qualify for the special rate or new loan of $5,000.00 or more. Excluded from 0.25% rate reduction.
up to 84 months	7.40%	Standard rate. Eligible for a 0.25% rate reduction for payroll deduction, direct deposit loan transfer, or bringing financing from another financial institution.

Sources (2)

All captured Oct 7, 2026

Used Auto (3 years old or newer)

Terms	APR	Conditions
up to 36 months	6.90%	Standard rate. Eligible for a 0.25% rate reduction for payroll deduction, direct deposit loan transfer, or bringing financing from another financial institution.
up to 48 months	7.40%	Standard rate. Eligible for a 0.25% rate reduction for payroll deduction, direct deposit loan transfer, or bringing financing from another financial institution.
up to 60 months	7.90%	Standard rate. Eligible for a 0.25% rate reduction for payroll deduction, direct deposit loan transfer, or bringing financing from another financial institution.
up to 72 months	8.40%	Standard rate. Eligible for a 0.25% rate reduction for payroll deduction, direct deposit loan transfer, or bringing financing from another financial institution.
up to 84 months	8.90%	Standard rate. Eligible for a 0.25% rate reduction for payroll deduction, direct deposit loan transfer, or bringing financing from another financial institution.

Sources (1)

southcoastilwufcu.com/loans.php · captured Oct 7, 2026

Used Auto (older than 3 years)

Terms	APR	Conditions
up to 60 months	8.25%	Standard rate. Eligible for a 0.25% rate reduction for payroll deduction, direct deposit loan transfer, or bringing financing from another financial institution.

Sources (1)

southcoastilwufcu.com/loans.php · captured Oct 7, 2026

Who can join South Coast ILWU Federal Credit Union

We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.

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