Auto Loans · Seattle, Washington
5 credit unions in Seattle report car loan rates to the NCUA. Rates range from 3.64% to 7.49%.
Updated Q1 2026 · NCUA Call Report data
5
CUs Reporting Rates
3.64%
Lowest New Car Rate
5.72%
City Average Rate
5 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | WATERFRONT ★ 3.4 · 34 reviews | 3.64% | 5.74% |
| 2 | SALAL ★ 3.0 · 21 reviews | 4.29% | 5.50% |
| 3 | SEATTLE METROPOLITAN ★ 2.7 · 55 reviews | 6.51% | 9.10% |
| 4 | EXPRESS ★ 4.6 · 180 reviews | 6.65% | 8.08% |
| 5 | VERITY ★ 3.3 · 49 reviews | 7.49% | 7.74% |
5 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | SALAL ★ 3.0 · 21 reviews | 5.50% | 4.29% |
| 2 | WATERFRONT ★ 3.4 · 34 reviews | 5.74% | 3.64% |
| 3 | VERITY ★ 3.3 · 49 reviews | 7.74% | 7.49% |
| 4 | EXPRESS ★ 4.6 · 180 reviews | 8.08% | 6.65% |
| 5 | SEATTLE METROPOLITAN ★ 2.7 · 55 reviews | 9.10% | 6.51% |
A pre-approval from a Seattle 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 Seattle in the same window and take the best offer.
See member reviews, branch locations, and full rate details.