Credit union · NCUA insured
Unitus Community Credit Union Auto Loan Rates
Unitus Community Credit Union auto loans start at 5.24% APR for a new vehicle and 5.29% for a used one. Rates checked October 3, 2026.
How Unitus Community Credit Union’s auto loan rates compare
Compared with banks and credit unions near Portland, OR-WA, where Unitus Community Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Unitus Community Credit Union
5.24%APR
- Terms
- 37–60 months
- Up to
- 15.79% APR
New Autos (2025 or Newer)
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
Unitus Community Credit Union auto loan score
77
Auto loan score
Higher than 44% of U.S. banks and credit unions
- New vehicleNew5.24%
- Used vehicleUsed5.29%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Unitus 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.
New Autos (2025 or Newer)
Auto Loan Rates are based on your credit history and credit qualifications.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.04%–15.69% | Repayment period up to 36 months; minimum loan amount $500. |
| 37–60 months | 5.24%–15.79% | Repayment period 37-60 months; minimum loan amount $5,000. |
| 61–66 months | 5.34%–15.89% | Repayment period 61-66 months; minimum loan amount $6,000. |
| 67–75 months | 5.44%–15.99% | Repayment period 67-75 months; minimum loan amount $10,000. |
| 76–84 months | 5.69%–16.09% | Repayment period 76-84 months; minimum loan amount $15,000. |
Older Autos (2016 or Older)
Add 1.25% to 'New' rates; maximum term is 75 months. Auto Loan Rates are based on your credit history and credit qualifications.
| Terms | APR | Conditions |
|---|---|---|
| up to 75 months | 6.29% | Rates as low as 6.29% APR. Maximum term is 75 months. |
Used Autos (2017 - 2024)
Add 0.25% to 'New' rates; maximum term is 84 months. Auto Loan Rates are based on your credit history and credit qualifications.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 5.29% | Rates as low as 5.29% APR. Maximum term is 84 months. |
Who can join Unitus Community Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Eligible to join by joining the American Consumer Council (ACC) for free at no additional cost if living outside Washington State or the listed Oregon counties.
Where you live or work
- Eligible to join if you live or work in the Oregon counties of Benton, Clackamas, Columbia, Deschutes, Douglas, Hood River, Jackson, Josephine, Lane, Linn, Marion, Multnomah, Polk, Washington, or Yamhill.
- Eligible to join if you live or work in the State of Washington, including directors, retirees, volunteers, and contract workers for organizations located anywhere in Washington.
Employers and groups
- Eligible to join if you own a business anywhere in Oregon or Washington by joining the American Consumer Council (ACC).
Family and household
- Eligible to join if you are an immediate family member (including grandparents, parents, spouse, children, stepchildren, grandchildren, brothers, sisters, half-brothers, half-sisters, aunts, uncles, and domestic partners) of any person who qualifies or qualified for membership or of deceased members who qualified at time of death.
Cost to join
- A one-time membership fee of $10.00 is required to join.
- An opening deposit of $5.00 for Prime Share is required to join.
Membership information collected October 4, 2026.