Auto Loans · Tacoma, Washington
4 credit unions in Tacoma report car loan rates to the NCUA. Rates range from 4.99% to 6.34%.
Updated Q1 2026 · NCUA Call Report data
4
CUs Reporting Rates
4.99%
Lowest New Car Rate
5.84%
City Average Rate
4 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | IBEW 76 ★ 5.0 · 3 reviews | 4.99% | 5.99% |
| 2 | SOUND ★ 3.6 · 62 reviews | 5.80% | 8.11% |
| 3 | TACOMA LONGSHOREMEN ★ 4.0 · 125 reviews | 6.24% | 7.24% |
| 4 | HARBORSTONE ★ 3.6 · 97 reviews | 6.34% | 6.34% |
4 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | IBEW 76 ★ 5.0 · 3 reviews | 5.99% | 4.99% |
| 2 | HARBORSTONE ★ 3.6 · 97 reviews | 6.34% | 6.34% |
| 3 | TACOMA LONGSHOREMEN ★ 4.0 · 125 reviews | 7.24% | 6.24% |
| 4 | SOUND ★ 3.6 · 62 reviews | 8.11% | 5.80% |
A pre-approval from a Tacoma 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 Tacoma in the same window and take the best offer.
See member reviews, branch locations, and full rate details.