Loan Rates

🧾Personal Loan Special: 11.49% APR* 💸

Tax season is here – make the most of it with our 11.49% APR* Personal Loan Special, for a limited time! Cover tax payments, eliminate high‑interest debt, and take control of your budget today. Apply now!

*APR=Annual Percentage Rate. $5,000 max. loan amount. 48-month max. term. Offer may change/end at any time. Offer good through 5/31/26.

⚡ EV Home Charger Special

Add home EV charging with no big up-front cost.

EV charger financing on its own often comes with higher rates. When you finance an EV home charger (up to $5,000*) through your auto loan instead, you can access a better rate and lower monthly payment by spreading the cost over time.

Plus, with our EV/hybrid loans, you’ll also get a .25% rate discount!

To get started, apply for an auto loan, and a loan officer will reach out to see if you’d like to also bundle financing for a home EV charger.

Apply Now

*Maximum charger cost of $5,000. Subject to credit approval. Available with eligible auto loans only. Offer subject to change or cancellation. Limited‑time offer.

Loan Type	Annual Percentage Rate (APR)*	Available Terms	Estimated minimum monthly payment based on available term and $20,000 loan amount
Rates Effective: 1/28/2026
New Auto	5.54% - 18.00%	Up to 60 months	$383.30 at 5.54% APR*
Used Auto	5.69% - 18.00%	Up to 60 months	$384.57 at 5.69% APR*
New Auto	5.64% - 18.00%	61 - 72 months	$328.87 at 5.64% APR*
Used Auto	5.79% - 18.00%	61 - 72 months	$330.17 at 5.79% APR*
New Auto	5.84% - 18.00%	73 - 84 months	$291.37 at 5.84% APR*
Used Auto	5.99% - 18.00%	73 - 84 months	$292.71 at 5.99% APR*
Older Auto	9.10% - 18.00%	Up to 60 months	$416.24 at 9.10% APR*
New Motorcycle	8.95% - 18.00%	Up to 84 months	$423.59 at 9.70% APR*
Used Motorcycle	8.75% - 18.00%	Up to 84 months	$421.59 at 9.50% APR*
Older Motorcycle	13.20% - 18.00%	Up to 60 months	$467.36 at 13.95% APR*
New RV	8.49% - 18.00%	Up to 240 months	$411.64 at 8.49% APR*
Used RV	9.10% - 18.00%	Up to 240 months	$417.67 at 9.10% APR*
Older RV	9.85% - 18.00%	Up to 120 months	$425.15 at 9.85% APR*
New Boat	8.70% - 18.00%	Up to 240 months	$413.71 at 8.70% APR*
Used Boat	9.35% - 18.00%	Up to 240 months	$420.15 at 9.35% APR*
Older Boat	11.35% - 18.00%	Up to 120 months	$440.35 at 11.35% APR*
Other Secured & Powersports	9.10% - 18.00%	Up to 60 months	$423.46 at 9.85% APR*
Personal Loan	12.49% - 18.00%	Up to 60 months	$449.85 at 12.49% APR*
Share Secured	Call or Text for Current Rate	Up to 120 months	$360.72 at 3.10% APR*
CD Secured	Call or Text for Current Rate	Determined by CD Maturity	$375.31 at 4.69% APR*
VISA	11.99% - 18.00%	Revolving	3% of outstanding balance monthly

New is collateral years 2023 & Newer, Used is collateral years 2017‐2022, and Older is collateral years 2016 & Older

*APR=Annual Percentage Rate. The APR you qualify for is based on repayment period, collateral year, available rate discounts and your credit qualifications, including credit score, and any applicable rate discount.

Rate discounts available: 0.25% discount off stated APR for automatic loan payments from your active Pacific NW FCU checking, 0.15% discount off stated APR on new and used auto for loan-to-value ratio </= 100%, and 0.50% discount off stated APR on new and used auto for teacher or classified employee of a K-12 school, and .25% discount off stated APR for an EV/Hybrid vehicle. Autopay discount is not available for credit card, savings/certificate-secured loans, unsecured loans, mortgages, home equity loans and business loans.

Other terms and conditions apply. Contact us for additional information. Membership required to borrow. Pacific NW FCU may offer other rates in the future. Rates are subject to change at any time. All loans are subject to credit approval. Some restrictions apply on available terms.

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Click here for disclosures and a printer-friendly loan rate sheet.

Physical Address:
12005 NE Erin Way
Portland, OR 97220