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Personal Banking > Rates > Vehicle Loan Rates

Auto Loan Rates in Tacoma, WA

Current as of December 1, 2024

Looking for the best auto interest rates in the South Sound?
You’ve come to the right place. America’s Credit Union offers some of the best local rates for new and used vehicles, RVs, and motorcycles, with flexible loan terms for first-time buyers.

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New & Used Auto Loans

0 - 36 Months

APR
4.46% - 13.21%
Estimated Payment Example
$601 a month for 36 months, $20,000 loan at 5.21%

37 - 48 Months

APR
5.77% - 13.77%
Estimated Payment Example
$468 a month for 48 months, $20,000 loan at 5.77%

49 - 60 Months

APR
5.93% - 13.93%
Estimated Payment Example
$386 a month for 60 months, $20,000 loan at 5.93%

61 - 72 Months

APR
5.99% - 12.14%
Estimated Payment Example
$331 a month for 72 months, $20,000 loan at 5.99%

73 - 84 months

APR
6.90% - 7.40%
Estimated Payment Example
$301 a month for 84 months, $20,000 loan at 6.90%

First Time Buyer Program

0 - 60 Months

APR
12.32%
Estimated Payment Example
$438 a month for 60 months, $20,000 loan at 11.32%

61 - 72 Months

APR
13.85%
Estimated Payment Example
$454 a month for 72 months, $20,000 loan at 12.85%

Recreational Vehicle Loans (Motorhomes, Boats, Travel Trailers, Etc)

0 - 60 Months

APR
8.90% - 11.90%
Estimated Payment Example
$725 a month for 60 months, $35,000 loan at 8.90%

61 - 84 Months

APR
10.50% - 13.50%
Estimated Payment Example
$590 a month for 84 months, $35,000 loan at 10.50%

85 - 120 Months

APR
12.10% - 15.10%
Estimated Payment Example
$504 a month for 84 months, $35,000 loan at 12.10%

121 - 144 Months

APR
13.70% - 16.70%
Estimated Payment Example
$496 a month for 144 months, $35,000 loan at 13.70%

145 - 180 Months

APR
15.30% - 18.00%
Estimated Payment Example
$497 a month for 180 months, $35,000 loan at 15.30%

Motorcycle Loans

0 - 36 Months

APR
8.05% - 10.80%
Estimated Payment Example
$627 a month for 36 months, $20,000 loan at 8.05%

37 - 48 Months

APR
8.24% - 10.99%
Estimated Payment Example
$491 a month for 48 months, $20,000 loan at 8.24%

49 - 60 Months

APR
8.74% - 11.49%
Estimated Payment Example
$413 a month for 60 months, $20,000 loan at 8.74%

61 - 72 Months

APR
9.25% - 10.75%
Estimated Payment Example
$363 a month for 72 months, $20,000 loan at 9.25%

73 - 84 Months

APR
10.30% - 10.30%
Estimated Payment Example
$335 a month for 84 months, $20,000 loan at 10.30%

Vehicle Discounts

Vehicle Loan Rate Discounts

Deduction

0.50% for Active-Duty Military, Military Veterans, and First-Responders
0.25% for Debt Protection
0.50% for external ACH payment or ACU autopay without direct deposit.
0.75% for autopay from ACU account with direct deposit equal to, or greater than, loan payment
Max aggregate discount allowed = 1.25%

First Time Buyer Program
Rate is eligible for discounts. Rate applied to “0” scores and thin files. Thin file defined as either: less than 12 months auto history OR less than 2 active trade lines with at least 12 months history each. Co-Signers do not impact the structure or the rate. Score determined by Experian FICO AUTO V8 score.

Vehicle Loans – Policies, Terms & Conditions

  • Max motorcycle age = 7 years; Max motorcycle mileage = 50,000
  • Refer to “First Time Buyer Program” for “0” FICO scores
  • Floor rate of 5.10% to include all possible discounts for autos
  • Floor rate of 6.55% to include all possible discounts for motorcycles
  • Floor rate of 7.50% to include all possible discounts for recreational vehicles
  • Credit Tier determined by best FICO AUTO V8 Score between borrower and co-borrower.
  • Co-Signers have no impact on rate tier.
  • Minimum loan amount for autos: $10,000 for 61 – 72mos; $20,000 for 73 – 84mos.
  • All credit approvals subject to verification of income, employee and social security verification performed by ACU.
  • All used vehicles are subject to a review of an Experian “AutoCheck” report prior to funding.
  • Auto/motorcycle insurance: comprehensive and collision deductibles not to exceed $500
  • ACU does NOT finance Straw Deals, Branded/Salvaged Titles, Lemon Law or Gray Market vehicles.
  • All exceptions analyzed on a case by case scenario
  • SKIP-A-PAY – “Skip” your loan payment twice per year. Skip requests are subject to approval and interest will continue to accrue.
  • NO PAYMENTS FOR 90 DAYS – Applies to new loans, or loans transferred from another financial institution. Interest will begin to accrue from the date of disbursement. Offer applies to Tier Prime – 2 only and subject to final underwriting. Unless otherwise stated, the first payment must be within 45 days

Learn More about ACU Auto, Truck, and Motorcycle Loans

Choose ACU for the Best Auto Loan Rates in Tacoma, WA

A member-owned financial co-op since 1954, America’s Credit Union understands a thing or two about the benefits of sticking together. ACU’s not-for-profit status allows us to return more of our revenue to you in the form of lower APRs (annual percentage rates) on our loans. The result? Some of the best fixed-rate car loan rates in Tacoma and Olympia.

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ACU Auto Loans: It Pays to Belong

From the mountains to the Sound, there’s a lot to see in Thurston and Pierce counties. Become a member today and complete our easy online application. We’ll get you rolling for less!

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