Auto Loans · Olympia, Washington
4 credit unions in Olympia report car loan rates to the NCUA. Rates range from 5.75% to 6.99%.
Updated Q1 2026 · NCUA Call Report data
4
CUs Reporting Rates
5.75%
Lowest New Car Rate
6.20%
City Average Rate
4 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | WCLA ★ 5.0 · 4 reviews | 5.75% | 6.50% |
| 2 | WASHINGTON STATE EMPLOYEES ★ 3.9 · 55 reviews | 5.80% | 5.88% |
| 3 | OLYMPIA ★ 4.4 · 25 reviews | 6.24% | 6.85% |
| 4 | PEAK ★ 3.1 · 52 reviews | 6.99% | 6.99% |
4 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | WASHINGTON STATE EMPLOYEES ★ 3.9 · 55 reviews | 5.88% | 5.80% |
| 2 | WCLA ★ 5.0 · 4 reviews | 6.50% | 5.75% |
| 3 | OLYMPIA ★ 4.4 · 25 reviews | 6.85% | 6.24% |
| 4 | PEAK ★ 3.1 · 52 reviews | 6.99% | 6.99% |
A pre-approval from a Olympia 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 Olympia in the same window and take the best offer.
See member reviews, branch locations, and full rate details.