Credit union · NCUA insured
STCU Auto Loan Rates
STCU auto loans start at 5.24% APR for a new vehicle and 5.24% for a used one. Rates checked October 22, 2026.
How STCU’s auto loan rates compare
Compared with banks and credit unions near Spokane, WA, where STCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
STCU
5.24%APR
- Terms
- up to 72 months
- Up to
- —
- Discount
- Included in the rate
Auto Loan
Lowest rate
Responders Emergency Services Credit Union
3.99%APR
- Terms
- up to 72 months
- Up to
- —
- Discount
- None included
2nd-lowest rate
Ironworkers USA Credit Union
4.24%APR
- Terms
- 36–84 months
- Up to
- 18.00% APR
- Discount
- None included
STCU auto loan score
73
Auto loan score
Higher than 34% 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 STCU 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
Available for new, used, or refinance vehicle purchases up to 96 months with up to 100% financing for qualified borrowers. Proof of insurance is required.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 5.24% | Rate applies to the purchase of vehicles seven model years old and newer with terms of 72 months or less. STCU rates assume the primary borrower gets a 0.25% discount for having an STCU credit card in good standing; payments are based on the contract rate before discounts. 100% financing available to qualified borrowers only. |
Sources (3)
All captured Oct 15, 2026
Who can join STCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, work, worship, or attend college in North Idaho (Benewah, Bonner, Boundary, Kootenai, Latah, Lewis, Nez Perce, and Shoshone counties) are eligible for membership.
- Persons who live, work, worship, or attend college in Eastern Oregon (Baker, Crook, Gilliam, Grant, Harney, Hood River, Malheur, Morrow, Sherman, Umatilla, Union, Wallowa, Wasco, and Wheeler counties) are eligible for membership.
- Persons who live, work, worship, or attend college in Washington state are eligible for membership.
Employers and groups
- Employees of an STCU Community Business Partner are eligible for membership.
Family and household
- Anyone related or married to someone who meets the eligibility requirements is eligible for membership.
Cost to join
- Membership fee is waived for any eligible employed educator who joins the credit union.
- Becoming a member is free when joining online.
Membership information collected October 4, 2026.