Credit union · NCUA insured
WSECU Auto Loan Rates
WSECU auto loans start at 5.30% APR for a new vehicle and 5.83% for a used one. Rates checked October 22, 2026.
How WSECU’s auto loan rates compare
Compared with banks and credit unions near Seattle, WA, where WSECU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
WSECU
5.30%APR
- Terms
- up to 84 months
- Up to
- 12.69% APR
New 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
- —
WSECU auto loan score
71
Auto loan score
Higher than 29% of U.S. banks and credit unions
- New vehicleNew5.30%
- 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 WSECU 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.
Classic Auto Loans
Classic auto loans for vehicles 20 years or older. Up to 80% max LTV. Maximum loan amount $250,000. Repayment maximum up to 72 months. Maximum advance is 80% of JD Power Average Retail, 80% of KBB Adjusted Retail, or 80% of written appraisal.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 7.08%–10.09% | Vehicles 20 years or older. Repayment up to 72 months. Max LTV 80% of JD Power Average Retail, 80% of KBB Adjusted Retail, or 80% of written appraisal. |
Sources (1)
- wsecu.org/loans/auto-loans · captured Oct 15, 2026
High Mileage Used Auto Loans
High mileage used auto loans for models 2023 and older with 100,001 to 175,000 miles. Up to 115% purchase max LTV (145% external refinance max LTV). Maximum loan amount $250,000. Repayment maximum up to 72 months.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 7.08%–14.99% | Models 2023 and older with 100,001 to 175,000 miles. Repayment up to 72 months. Maximum advance up to 115% for purchase (145% external refinance). |
Sources (1)
- wsecu.org/loans/auto-loans · captured Oct 15, 2026
Motorcycle Loan
Motorcycle loans for new/used and classic motorcycles (20 years or older). Loan maximum $75,000. Up to 84 months repayment. Purchase max LTV 115% for new/used (70% for classic).
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 6.47%–23.54% | New/Used motorcycle. Max LTV 115% purchase / 115% external refinance. Repayment maximum up to 84 months. |
| up to 84 months | 7.47%–24.54% | Classic motorcycle 20 years or older. Max LTV 70%. Repayment maximum up to 84 months. |
Sources (1)
- wsecu.org/loans/recreational-vehicle-loans · captured Oct 15, 2026
New Auto Loans
New auto loans for models 2024 and newer. Up to 115% purchase max LTV (or 145% external refinance max LTV). Maximum loan amount $250,000. Repayment maximum up to 84 months. Rate discount of 0.25% included for credit scores 700+ and OTD LTV below 85%.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 5.30%–12.69% | Models 2024 and newer. Repayment up to 84 months. APR reflects a 0.25% rate discount available to members with credit scores of 700 or higher and an out-the-door (OTD) loan-to-value (LTV) ratio below 85%. Maximum advance up to 115% for purchase (145% external refinance). |
Sources (1)
- wsecu.org/loans/auto-loans · captured Oct 15, 2026
Used Auto Loans
Used auto loans for models 2023 and older. Up to 115% purchase max LTV (145% external refinance max LTV). Maximum loan amount $250,000. Repayment maximum up to 84 months.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 5.83%–13.74% | Models 2023 and older. Repayment up to 84 months. Maximum advance up to 115% for purchase (145% external refinance). |
Sources (1)
- wsecu.org/loans/auto-loans · captured Oct 15, 2026
Who can join WSECU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, or worships in Washington State is eligible for membership.
Military, government and schools
- Students at Central Washington University (CWU), The Evergreen State College, University of Washington (UW), or Washington State University (WSU) are eligible for membership.
Family and household
- Anyone related to someone who is eligible for membership is eligible to join.
Membership information collected October 4, 2026.