Peak Credit Union
Peak Credit Union — refinancing auto loans for the people who serve Northwest communities.
See your matched lenders and get prequalified. Takes ~3 minutes.
"Not disclosed" means Peak Credit Union does not publish this on their public site. "No restriction" means Peak Credit Union explicitly states no limit.
Overview
Peak Credit Union was formed by the merger of TwinStar and NWCU, now serving more than 250,000 members across Washington and Oregon. They offer auto loan refinancing for members with fixed rates ranging from 5.74% to 18.00% APR as of October 2026.…
What’s great
- Competitive fixed refinance rates starting at 5.74% APR
- Flexible terms typically ranging up to 84 months
- Supports a wide range of public service and union members
What to know
- Maximum APR can reach 18.00% based on credit history
- Membership is restricted to specific Northwest states and affiliations
Eligibility
| Minimum credit score | Not disclosed |
| APR range | 5.74% – 18.00% |
| Maximum vehicle age | Not disclosed |
| Maximum mileage | Not disclosed |
| Loan amount range | Not disclosed |
| Term length | Up to 84 months |
| States served | 2 states |
| Membership requirement | Open to union members, government employees, veterans, first responders, and everyone working on behalf of others in Washington and Oregon. |
FAQ
See your matched lenders and get prequalified. Takes ~3 minutes.
Sources
Every figure on this page is sourced from Peak Credit Union's own published materials. Rates, eligibility, and terms can change — verify directly with Peak Credit Union before applying.
- [1]Auto Loans — Peak Credit Unionhttps://www.peakcu.org/loans/auto-loansLast checked: October 2026
- [2]Banking Built for Those Who Serve — Peak Credit Unionhttps://www.peakcu.org/built-for-those-who-serveLast checked: October 2026
- [3]10 Auto Loan Terms Decoded — Peak Credit Unionhttps://www.peakcu.org/blog/10-auto-loan-terms-decodedLast checked: October 2026