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Best for: Washington and North Idaho borrowers refinancing an auto loan

Numerica Credit Union

Numerica Credit Union — published auto APRs of 4.99%–15.24%, terms up to 84 months.

Min credit
Not disclosed
APR
4.99%–15.24%
Max vehicle age
Not disclosed
Max mileage
Not disclosed

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"Not disclosed" means Numerica Credit Union does not publish this on their public site. "No restriction" means Numerica Credit Union explicitly states no limit.

Overview

Numerica Credit Union serves Washington state and the North Idaho panhandle, and its auto page invites you to buy new or used or refinance your current ride. Its published auto APRs run from 4.99% to 15.24%, with terms up to 84 months and rate discounts of up to 0.50% for qualifying products.…

What’s great

  • Refinances auto loans
  • Published APRs of 4.99%–15.24%
  • Terms up to 84 months

What to know

  • Credit union membership is required; eligibility is tied to Washington state, the North Idaho panhandle, or a qualifying relative
  • Minimum credit score is not published

Eligibility

Minimum credit scoreNot disclosed
APR range4.99% – 15.24% (APR reflects discounts of up to 0.50% with qualifying Numerica products (automatic payment from a Numerica checking account, or a Numerica Visa credit card or another Numerica loan))
Maximum vehicle ageNot disclosed
Maximum mileageNot disclosed
Loan amount rangeNot disclosed
Term lengthUp to 84 months
States served2 states
Membership requirementNew members who live, work, or worship in Washington State or the North Idaho panhandle (Boundary, Bonner, Shoshone, Kootenai, Benewah, and Latah) qualify; otherwise membership requires a relative who does

FAQ

See your matched lenders and get prequalified. Takes ~3 minutes.

Get matched to lenders and prequalify on banks.com

Sources

Every figure on this page is sourced from Numerica Credit Union's own published materials. Rates, eligibility, and terms can change — verify directly with Numerica Credit Union before applying.

  1. [1]Auto Loans — Numerica Credit Union
    https://www.numericacu.com/personal/auto
    Last checked: October 2026
  2. [2]Membership Checklist — Numerica Credit Union
    https://www-files.numericacu.com/production/documents/ds-forms-funding-checklist.pdf
    Last checked: October 2026