Auto Loans · Portland, Oregon
12 credit unions in Portland report car loan rates to the NCUA. Rates range from 4.60% to 6.26%.
Updated Q1 2026 · NCUA Call Report data
12
CUs Reporting Rates
4.60%
Lowest New Car Rate
5.50%
City Average Rate
12 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | POINT WEST ★ 3.1 · 82 reviews | 4.60% | 5.90% |
| 2 | IBEW & UNITED WORKERS ★ 2.9 · 37 reviews | 4.61% | 5.81% |
| 3 | CONSOLIDATED ★ 4.5 · 93 reviews | 5.24% | 5.49% |
| 4 | TEAMSTERS COUNCIL #37 ★ 3.9 · 14 reviews | 5.25% | 6.50% |
| 5 | PACIFIC N W ★ 4.3 · 144 reviews | 5.30% | 6.10% |
| 6 | SUNSET ★ 4.6 · 49 reviews | 5.50% | 5.50% |
| 7 | NW PRIORITY ★ 3.4 · 48 reviews | 5.52% | 6.24% |
| 8 | NORTHWEST ADVENTIST ★ 4.6 · 16 reviews | 5.76% | 6.36% |
| 9 | CASTPARTS EMPLOYEES ★ 3.8 · 43 reviews | 5.80% | 7.61% |
| 10 | ONPOINT COMMUNITY ★ 3.6 · 95 reviews | 5.99% | 6.14% |
| 11 | IRONWORKERS USA ★ 4.2 · 21 reviews | 6.15% | 9.28% |
| 12 | TRAILHEAD ★ 4.0 · 95 reviews | 6.26% | 7.26% |
13 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | CONSOLIDATED ★ 4.5 · 93 reviews | 5.49% | 5.24% |
| 2 | SUNSET ★ 4.6 · 49 reviews | 5.50% | 5.50% |
| 3 | IBEW & UNITED WORKERS ★ 2.9 · 37 reviews | 5.81% | 4.61% |
| 4 | POINT WEST ★ 3.1 · 82 reviews | 5.90% | 4.60% |
| 5 | PACIFIC N W ★ 4.3 · 144 reviews | 6.10% | 5.30% |
| 6 | ONPOINT COMMUNITY ★ 3.6 · 95 reviews | 6.14% | 5.99% |
| 7 | NW PRIORITY ★ 3.4 · 48 reviews | 6.24% | 5.52% |
| 8 | NORTHWEST ADVENTIST ★ 4.6 · 16 reviews | 6.36% | 5.76% |
| 9 | TEAMSTERS COUNCIL #37 ★ 3.9 · 14 reviews | 6.50% | 5.25% |
| 10 | TRAILHEAD ★ 4.0 · 95 reviews | 7.26% | 6.26% |
| 11 | CASTPARTS EMPLOYEES ★ 3.8 · 43 reviews | 7.61% | 5.80% |
| 12 | IRONWORKERS USA ★ 4.2 · 21 reviews | 9.28% | 6.15% |
| 13 | RADIO CAB ★ 3.6 · 1,268 reviews | 10.15% | — |
A pre-approval from a Portland 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 Portland in the same window and take the best offer.
See member reviews, branch locations, and full rate details.