Credit union · NCUA insured
White River Credit Union Auto Loan Rates
White River Credit Union auto loans start at 5.24% APR for a new vehicle and 5.24% for a used one. Rates checked October 15, 2026.
How White River Credit Union’s auto loan rates compare
Compared with banks and credit unions near Seattle, WA, where White River Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
White River Credit Union
5.24%APR
- Terms
- 24–84 months
- Up to
- 17.99% APR
Auto Loans
Lowest rate
Ironworkers USA Credit Union
4.24%APR
- Terms
- 36–84 months
- Up to
- 18.00% APR
2nd-lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
- Up to
- —
White River Credit Union auto loan score
79
Auto loan score
Higher than 48% 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 White River 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
All rates and terms are based On Approved Credit (OAC). Membership eligibility required. Loan to value and vehicle age adjustments may apply. If dealer offers lower rate, credit union may meet or beat it.
| Terms | APR | Conditions |
|---|---|---|
| 24–84 months | 5.24%–17.99% | Auto & Motorcycles (New and Used). 24-84 months. Loan to value rate adjustment: below 80% (-1.25%), 80-90% (-1.00%), 91-100% (Base), 101-115% (Base), 116-125% (+2.00%). Vehicle age adjustments apply. On approved credit. |
Sources (3)
- whiterivercu.com/auto-loans
- whiterivercu.com/borrow/personal/vehicle-and-motorcycle
- whiterivercu.com/rates
All captured Oct 15, 2026
First Time Car Buyer Program
Financing up to $15,500. Designed for first-time buyers with no credit to help build credit. 100% loan to value maximum plus GAP Coverage. All rates and terms are based On Approved Credit (OAC).
| Terms | APR | Conditions |
|---|---|---|
| — | 11.99% | Financing up to $15,500. 100% loan to value maximum plus GAP Coverage. All rates and terms based on approved credit. |
Sources (2)
All captured Oct 4, 2026
Who can join White River Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone in Washington state is eligible to join.
Family and household
- Family members of members can join regardless of where they live.
Membership information collected October 4, 2026.