Credit union · NCUA insured
United Trades Federal Credit Union Auto Loan Rates
United Trades Federal Credit Union auto loans start at 5.50% APR for a new vehicle and 5.50% for a used one. Rates checked October 22, 2026.
How United Trades Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Portland, OR-WA, where United Trades Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
United Trades Federal Credit Union
5.50%APR
- Terms
- up to 84 months
- Up to
- —
Auto Loans
Lowest rate
Longshoremen's Local 4 Federal Credit Union
1.99%APR
- Terms
- up to 84 months
- Up to
- —
2nd-lowest rate
Ironworkers USA Credit Union
4.24%APR
- Terms
- 36–84 months
- Up to
- 18.00% APR
United Trades Federal Credit Union auto loan score
72
Auto loan score
Higher than 32% of U.S. banks and credit unions
- New vehicleNew5.50%
- Used vehicleUsed5.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where United Trades 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.
Auto Loans
Subject to credit approval. Rate may vary based on individual. United Trades FCU reserves the right to discontinue or modify rate offers at any time. Other restrictions may apply.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 5.50% | Vehicle that is 2024 or newer and with 40,000 or less miles. Maximum term is subject to loan amount and borrower qualifications. |
| up to 72 months | 5.50% | 2016-2023 or 2024+ with over 40,000 miles. Maximum term is subject to loan amount and borrower qualifications. |
| up to 60 months | 7.74% | 2015 or older or any vehicle with over 100,000 miles. Maximum term is subject to loan amount and borrower qualifications. |
Sources (1)
- unitedtradesfcu.org/credit-union-loans-auto-loans · captured Oct 3, 2026
Who can join United Trades Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees, retirees, and families of Jones Heavy Equipment Products are eligible for membership.
- Employees, retirees, and families of Local 290 Union of the United Association of Journeymen and Apprentices of the Plumbing and Steamfitting Industry are eligible for membership.
- Employees, retirees, and families of Watts Heating & Cooling are eligible for membership.
- Employees, retirees, and families of Willamette Building Services are eligible for membership.
Family and household
- Immediate family members of an existing member are eligible for membership.
Cost to join
- Joining requires opening a Regular Savings account with a $5 deposit.
Membership information collected October 4, 2026.