Auto Loans · Spokane, Washington
9 credit unions in Spokane report car loan rates to the NCUA. Rates range from 4.09% to 6.99%.
Updated Q1 2026 · NCUA Call Report data
9
CUs Reporting Rates
4.09%
Lowest New Car Rate
5.64%
City Average Rate
9 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | SAFEWAY ★ 4.3 · 30 reviews | 4.09% | 4.36% |
| 2 | RESPONDERS EMERGENCY SERVICES ★ 4.4 · 22 reviews | 4.31% | 4.95% |
| 3 | SPOKANE CITY ★ 4.0 · 32 reviews | 5.00% | 5.75% |
| 4 | AVISTA CORP. ★ 2.4 · 311 reviews | 5.49% | 5.74% |
| 5 | SPOKANE FIREFIGHTERS ★ 5.0 · 5 reviews | 5.53% | 6.48% |
| 6 | PROGRESSIONS ★ 3.5 · 37 reviews | 5.74% | 8.24% |
| 7 | PRIMESOURCE ★ 3.7 · 21 reviews | 6.73% | 7.30% |
| 8 | SPOKANE MEDIA ★ 3.9 · 14 reviews | 6.84% | 4.99% |
| 9 | CANOPY ★ 4.0 · 166 reviews | 6.99% | 7.99% |
9 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | SAFEWAY ★ 4.3 · 30 reviews | 4.36% | 4.09% |
| 2 | RESPONDERS EMERGENCY SERVICES ★ 4.4 · 22 reviews | 4.95% | 4.31% |
| 3 | SPOKANE MEDIA ★ 3.9 · 14 reviews | 4.99% | 6.84% |
| 4 | AVISTA CORP. ★ 2.4 · 311 reviews | 5.74% | 5.49% |
| 5 | SPOKANE CITY ★ 4.0 · 32 reviews | 5.75% | 5.00% |
| 6 | SPOKANE FIREFIGHTERS ★ 5.0 · 5 reviews | 6.48% | 5.53% |
| 7 | PRIMESOURCE ★ 3.7 · 21 reviews | 7.30% | 6.73% |
| 8 | CANOPY ★ 4.0 · 166 reviews | 7.99% | 6.99% |
| 9 | PROGRESSIONS ★ 3.5 · 37 reviews | 8.24% | 5.74% |
A pre-approval from a Spokane 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 Spokane in the same window and take the best offer.
See member reviews, branch locations, and full rate details.