Auto Loans · Richland, Washington
2 credit unions in Richland report car loan rates to the NCUA. Rates range from 5.72% to 5.99%.
Updated Q1 2026 · NCUA Call Report data
2
CUs Reporting Rates
5.72%
Lowest New Car Rate
5.86%
City Average Rate
2 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | HAPO COMMUNITY ★ 4.0 · 272 reviews | 5.72% | 6.22% |
| 2 | GESA ★ 3.5 · 90 reviews | 5.99% | 5.99% |
2 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | GESA ★ 3.5 · 90 reviews | 5.99% | 5.99% |
| 2 | HAPO COMMUNITY ★ 4.0 · 272 reviews | 6.22% | 5.72% |
A pre-approval from a Richland 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 Richland in the same window and take the best offer.
See member reviews, branch locations, and full rate details.