Auto Loans · Springfield, Oregon
3 credit unions in Springfield report car loan rates to the NCUA. Rates range from 4.82% to 6.00%.
Updated Q1 2026 · NCUA Call Report data
3
CUs Reporting Rates
4.82%
Lowest New Car Rate
5.47%
City Average Rate
3 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | GATEWAY ★ 4.0 · 4 reviews | 4.82% | 6.21% |
| 2 | SELCO COMMUNITY ★ 3.5 · 98 reviews | 5.59% | 7.39% |
| 3 | EMERALD EMPIRE ★ 3.9 · 24 reviews | 6.00% | 9.00% |
3 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | GATEWAY ★ 4.0 · 4 reviews | 6.21% | 4.82% |
| 2 | SELCO COMMUNITY ★ 3.5 · 98 reviews | 7.39% | 5.59% |
| 3 | EMERALD EMPIRE ★ 3.9 · 24 reviews | 9.00% | 6.00% |
A pre-approval from a Springfield 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 Springfield in the same window and take the best offer.
See member reviews, branch locations, and full rate details.