Credit union · NCUA insured
Wauna Credit Union Auto Loan Rates
Wauna Credit Union auto loans start at 5.24% APR for a new vehicle and 5.83% for a used one. Rates checked October 22, 2026.
How Wauna Credit Union’s auto loan rates compare
Compared with banks and credit unions near Portland, OR-WA, where Wauna Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Wauna Credit Union
5.24%APR
- Terms
- up to 66 months
- Up to
- 17.24% APR
New Autos (Model Years 2020-2026)
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
Wauna Credit Union auto loan score
73
Auto loan score
Higher than 34% of U.S. banks and credit unions
- New vehicleNew5.24%
- Used vehicleUsed5.83%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Wauna 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 (Model Years 2020-2026)
Rates and terms offered are subject to change. Ask about relationship pricing for potential lower rates. Membership required.
| Terms | APR | Conditions |
|---|---|---|
| up to 42 months | 5.04%–16.65% | Payment example: $26.02 - $31.58 per $1,000. Model years 2020-2026. |
| up to 66 months | 5.24%–17.24% | Payment example: $17.47 - $23.55 per $1,000. Model years 2020-2026. |
| up to 90 months | 6.04%–7.84% | Payment example: $13.84 - $14.73 per $1,000. Model years 2020-2026. |
Sources (1)
- waunafcu.org/need-a-loan/auto-loans · captured Oct 3, 2026
Older Models (Model Years 2016 and older)
Rates and terms offered are subject to change. Ask about relationship pricing for potential lower rates. Membership required.
| Terms | APR | Conditions |
|---|---|---|
| up to 42 months | 10.00%–12.65% | Payment example: $28.32 - $29.59 per $1,000. Model years 2016 and older. |
| up to 66 months | 11.20%–13.75% | Payment example: $20.36 - $21.68 per $1,000. Model years 2016 and older. |
Sources (1)
- waunafcu.org/need-a-loan/auto-loans · captured Oct 3, 2026
Pre-Owned Vehicles (Model Years 2017-2019)
Rates and terms offered are subject to change. Ask about relationship pricing for potential lower rates. Membership required.
| Terms | APR | Conditions |
|---|---|---|
| up to 42 months | 5.23%–18.00% | Payment example: $26.11 - $32.26 per $1,000. Model years 2017-2019. |
| up to 66 months | 5.83%–16.24% | Payment example: $17.75 - $23.01 per $1,000. Model years 2017-2019. |
| up to 90 months | 6.73%–8.78% | Payment example: $14.18 - $15.21 per $1,000. Model years 2017-2019. |
Sources (1)
- waunafcu.org/need-a-loan/auto-loans · captured Oct 3, 2026
Who can join Wauna Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who reside in, are employed in, attend school in, or worship in Clatsop, Columbia, and western Washington Counties in Oregon, or Pacific County in Washington are eligible to join.
Employers and groups
- Businesses, organizations, or legal entities within the service area counties are eligible for membership.
Family and household
- Immediate family members (spouse, child, sibling, parent, grandparent, grandchild, including step- and adoptive relationships) and household members (living in the same residence maintaining a single economic unit) of current members or eligible primary individuals can join.
Cost to join
- A $5.00 share deposit is required to maintain membership.
Membership information collected October 4, 2026.