Auto Loans · Bellingham, Washington
4 credit unions in Bellingham report car loan rates to the NCUA. Rates range from 3.24% to 6.63%.
Updated Q1 2026 · NCUA Call Report data
4
CUs Reporting Rates
3.24%
Lowest New Car Rate
5.15%
City Average Rate
4 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | WHATCOM EDUCATIONAL ★ 2.9 · 12 reviews | 3.24% | 6.99% |
| 2 | NORTH COAST ★ 3.1 · 32 reviews | 4.74% | 6.72% |
| 3 | INDUSTRIAL CU OF WHATCOM COUNTY ★ 4.5 · 138 reviews | 5.99% | 4.99% |
| 4 | WESTEDGE ★ 4.5 · 56 reviews | 6.63% | 7.30% |
4 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | INDUSTRIAL CU OF WHATCOM COUNTY ★ 4.5 · 138 reviews | 4.99% | 5.99% |
| 2 | NORTH COAST ★ 3.1 · 32 reviews | 6.72% | 4.74% |
| 3 | WHATCOM EDUCATIONAL ★ 2.9 · 12 reviews | 6.99% | 3.24% |
| 4 | WESTEDGE ★ 4.5 · 56 reviews | 7.30% | 6.63% |
A pre-approval from a Bellingham 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 Bellingham in the same window and take the best offer.
See member reviews, branch locations, and full rate details.