Auto Loans · Eugene, Oregon
3 credit unions in Eugene report car loan rates to the NCUA. Rates range from 4.75% to 6.09%.
Updated Q1 2026 · NCUA Call Report data
3
CUs Reporting Rates
4.75%
Lowest New Car Rate
5.61%
City Average Rate
3 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | EWEB EMPLOYEES ★ 4.4 · 7 reviews | 4.75% | 5.00% |
| 2 | OREGON COMMUNITY ★ 3.3 · 70 reviews | 5.99% | 5.99% |
| 3 | PACIFIC CASCADE ★ 3.4 · 23 reviews | 6.09% | 7.54% |
3 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | EWEB EMPLOYEES ★ 4.4 · 7 reviews | 5.00% | 4.75% |
| 2 | OREGON COMMUNITY ★ 3.3 · 70 reviews | 5.99% | 5.99% |
| 3 | PACIFIC CASCADE ★ 3.4 · 23 reviews | 7.54% | 6.09% |
A pre-approval from a Eugene credit union lets you negotiate on price, not payment. The dealer can try to beat the rate — but you're in control either way.
Multiple auto loan applications within 14–45 days count as a single hard inquiry. Apply at several credit unions in Eugene in the same window and take the best offer.
See member reviews, branch locations, and full rate details.