Credit union · NCUA insured
WECU Auto Loan Rates
Top CarrotWECU auto loans start at 4.34% APR for a new vehicle and 4.34% for a used one. Rates checked October 22, 2026.
How WECU’s auto loan rates compare
Compared with banks and credit unions near Bellingham, WA, where WECU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
WECU
4.34%APR
- Terms
- —
- Up to
- 23.99% APR
Auto and Trucks
2nd-lowest rate
WestEdge Credit Union
4.74%APR
- Terms
- up to 108 months
- Up to
- 17.99% APR
3rd-lowest rate
North Coast Credit Union
5.22%APR
- Terms
- 1–84 months
- Up to
- 17.47% APR
WECU auto loan score
92
Auto loan score
Higher than 93% of U.S. banks and credit unions
- New vehicleNew4.34%
- Used vehicleUsed4.34%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where WECU 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 and Trucks
Must be 18 years old, eligible for WECU membership (live, work, worship, or attend school in Washington State, or business majority-owned and operated in WA), and have a valid SSN, Restricted SSN, or ITIN. Full coverage insurance required. Dealer purchases, refinancing, lease buyouts, private party purchases, and cash-out refinances (title loans) available. No prepayment penalty.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.34%–23.99% | Rate is based on credit history, term of loan, amount financed, and collateral age. Financing includes tax, license, dealer options, warranty, and insurance products subject to credit qualifications. Loan amounts based on JD Power book prices or dealer invoices for new vehicles. Applicable to new and used cars. |
Who can join WECU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school in Washington are eligible for membership.
Family and household
- Family members of individuals who live, work, worship, or attend school in Washington are eligible for membership.
Other ways
- Businesses that are majority-owned and operated within Washington are eligible for membership.
Membership information collected October 4, 2026.