Auto Loans · Vancouver, Washington
4 credit unions in Vancouver report car loan rates to the NCUA. Rates range from 4.97% to 6.74%.
Updated Q1 2026 · NCUA Call Report data
4
CUs Reporting Rates
4.97%
Lowest New Car Rate
6.24%
City Average Rate
4 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | LONGSHOREMEN'S LOCAL 4 ★ 5.0 · 8 reviews | 4.97% | 6.61% |
| 2 | PEOPLE'S COMMUNITY ★ 4.1 · 61 reviews | 6.50% | 7.00% |
| 3 | IQ ★ 3.5 · 87 reviews | 6.74% | 6.74% |
| 4 | COLUMBIA COMMUNITY ★ 3.9 · 123 reviews | 6.74% | 7.24% |
4 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | LONGSHOREMEN'S LOCAL 4 ★ 5.0 · 8 reviews | 6.61% | 4.97% |
| 2 | IQ ★ 3.5 · 87 reviews | 6.74% | 6.74% |
| 3 | PEOPLE'S COMMUNITY ★ 4.1 · 61 reviews | 7.00% | 6.50% |
| 4 | COLUMBIA COMMUNITY ★ 3.9 · 123 reviews | 7.24% | 6.74% |
A pre-approval from a Vancouver 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 Vancouver in the same window and take the best offer.
See member reviews, branch locations, and full rate details.