Auto Loans · Washington, District of Columbia
21 credit unions in Washington report car loan rates to the NCUA. Rates range from 3.75% to 8.00%.
Updated Q1 2026 · NCUA Call Report data
21
CUs Reporting Rates
3.75%
Lowest New Car Rate
5.39%
City Average Rate
21 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | IDB GLOBAL ★ 4.7 · 389 reviews | 3.75% | 4.25% |
| 2 | GSA ★ 2.1 · 19 reviews | 3.84% | 3.84% |
| 3 | BANK FUND STAFF ★ 2.2 · 33 reviews | 4.00% | 5.25% |
| 4 | TREASURY DEPARTMENT ★ 3.4 · 22 reviews | 4.20% | 5.39% |
| 5 | DEPARTMENT OF THE INTERIOR ★ 4.8 · 621 reviews | 4.24% | 4.34% |
| 6 | PEPCO ★ 3.1 · 7 reviews | 4.50% | 6.00% |
| 7 | LIBRARY OF CONGRESS ★ 2.9 · 21 reviews | 4.70% | 4.70% |
| 8 | GOVERNMENT PRINTING OFFICE ★ 4.5 · 42 reviews | 4.75% | 4.75% |
| 9 | HUD ★ 2.5 · 20 reviews | 5.00% | 5.50% |
| 10 | DEPT OF LABOR ★ 3.0 · 54 reviews | 5.10% | 5.90% |
| 11 | AFL CIO EMPLOYEES ★ 2.7 · 24 reviews | 5.15% | 6.73% |
| 12 | ADVANTAGE FINANCIAL ★ 4.1 · 14 reviews | 5.49% | 5.49% |
| 13 | F R B ★ 3.6 · 13 reviews | 5.51% | 8.08% |
| 14 | WRIGHT PATMAN CONGRESSIONAL ★ 2.8 · 23 reviews | 5.74% | 5.99% |
| 15 | GEORGETOWN UNIVERSITY ALUMNI AND ST ★ 4.3 · 28 reviews | 5.92% | 5.71% |
| 16 | EP ★ 3.8 · 11 reviews | 6.05% | 7.58% |
| 17 | DC ★ 3.5 · 57 reviews | 6.22% | 7.94% |
| 18 | O.A.S. STAFF ★ 3.5 · 15 reviews | 6.74% | 5.69% |
| 19 | DEPARTMENT OF COMMERCE ★ 2.5 · 104 reviews | 7.07% | 8.20% |
| 20 | PHI BETA SIGMA ★ 5.0 · 10 reviews | 7.18% | 6.74% |
| 21 | DISTRICT OF COLUMBIA TEACHERS ★ 3.8 · 16 reviews | 8.00% | 10.90% |
21 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | GSA ★ 2.1 · 19 reviews | 3.84% | 3.84% |
| 2 | IDB GLOBAL ★ 4.7 · 389 reviews | 4.25% | 3.75% |
| 3 | DEPARTMENT OF THE INTERIOR ★ 4.8 · 621 reviews | 4.34% | 4.24% |
| 4 | LIBRARY OF CONGRESS ★ 2.9 · 21 reviews | 4.70% | 4.70% |
| 5 | GOVERNMENT PRINTING OFFICE ★ 4.5 · 42 reviews | 4.75% | 4.75% |
| 6 | BANK FUND STAFF ★ 2.2 · 33 reviews | 5.25% | 4.00% |
| 7 | TREASURY DEPARTMENT ★ 3.4 · 22 reviews | 5.39% | 4.20% |
| 8 | ADVANTAGE FINANCIAL ★ 4.1 · 14 reviews | 5.49% | 5.49% |
| 9 | HUD ★ 2.5 · 20 reviews | 5.50% | 5.00% |
| 10 | O.A.S. STAFF ★ 3.5 · 15 reviews | 5.69% | 6.74% |
| 11 | GEORGETOWN UNIVERSITY ALUMNI AND ST ★ 4.3 · 28 reviews | 5.71% | 5.92% |
| 12 | DEPT OF LABOR ★ 3.0 · 54 reviews | 5.90% | 5.10% |
| 13 | WRIGHT PATMAN CONGRESSIONAL ★ 2.8 · 23 reviews | 5.99% | 5.74% |
| 14 | PEPCO ★ 3.1 · 7 reviews | 6.00% | 4.50% |
| 15 | AFL CIO EMPLOYEES ★ 2.7 · 24 reviews | 6.73% | 5.15% |
| 16 | PHI BETA SIGMA ★ 5.0 · 10 reviews | 6.74% | 7.18% |
| 17 | EP ★ 3.8 · 11 reviews | 7.58% | 6.05% |
| 18 | DC ★ 3.5 · 57 reviews | 7.94% | 6.22% |
| 19 | F R B ★ 3.6 · 13 reviews | 8.08% | 5.51% |
| 20 | DEPARTMENT OF COMMERCE ★ 2.5 · 104 reviews | 8.20% | 7.07% |
| 21 | DISTRICT OF COLUMBIA TEACHERS ★ 3.8 · 16 reviews | 10.90% | 8.00% |
A pre-approval from a Washington 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 Washington in the same window and take the best offer.
See member reviews, branch locations, and full rate details.