Auto Loans · Milwaukie, Oregon
2 credit unions in Milwaukie report car loan rates to the NCUA. Rates range from 5.02% to 6.19%.
Updated Q1 2026 · NCUA Call Report data
2
CUs Reporting Rates
5.02%
Lowest New Car Rate
5.61%
City Average Rate
2 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | CUTTING EDGE ★ 4.2 · 17 reviews | 5.02% | 6.37% |
| 2 | OREGONIANS ★ 4.6 · 143 reviews | 6.19% | 5.90% |
2 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | OREGONIANS ★ 4.6 · 143 reviews | 5.90% | 6.19% |
| 2 | CUTTING EDGE ★ 4.2 · 17 reviews | 6.37% | 5.02% |
A pre-approval from a Milwaukie 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 Milwaukie in the same window and take the best offer.
See member reviews, branch locations, and full rate details.