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Best for: Oregon and Washington borrowers refinancing an auto loan

Rivermark Community Credit Union

Rivermark Community CU — as-low-as APRs of 6.24%–6.49%, terms up to 96 months.

Min credit
Not disclosed
APR
6.24%–6.49%
Max vehicle age
Not disclosed
Max mileage
Not disclosed

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

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

Overview

Rivermark Community Credit Union serves the Portland metro area, 27 Oregon counties, and Washington state, and refinances higher-rate auto loans from other lenders. Its rates list as-low-as APRs of 6.24% for 2022 and newer vehicles and 6.49% for 2021 and older, with terms up to 96 months and no refi…

What’s great

  • Refinances auto loans from other lenders
  • As-low-as APRs of 6.24%–6.49% by model-year tier
  • Terms up to 96 months

What to know

  • Credit union membership is required; eligibility is tied to Oregon and Washington communities
  • Minimum credit score is not published

Eligibility

Minimum credit scoreNot disclosed
APR range6.24% – 6.49% (as-low-as APRs by model-year tier (2022 and newer; 2021 and older); 0.25% loyalty discount available)
Maximum vehicle ageNot disclosed
Maximum mileageNot disclosed
Loan amount rangeNot disclosed
Term lengthUp to 96 months
States served2 states
Membership requirementYou live or work in the Portland metro area, or in any of these 27 Oregon counties (Benton, Clackamas, Clatsop, Columbia, Coos, Crook, Curry, Deschutes, Douglas, Gilliam, Hood River, Jackson, Jefferson, Josephine, Klamath, Lane, Lincoln, Linn, Marion, Multnomah, Polk, Sherman, Tillamook, Wasco, Washington, Wheeler, Yamhill); or you live, work, worship, or attend school anywhere in Washington state; or you're related to someone who meets one of those criteria

FAQ

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

Sources

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

  1. [1]Auto Loans — Rivermark Community Credit Union
    https://www.rivermarkcu.org/vehicle-loans/auto
    Last checked: October 2026
  2. [2]Auto Rates — Rivermark Community Credit Union
    https://www.rivermarkcu.org/rates/loans/auto
    Last checked: October 2026
  3. [3]Join Us — Rivermark Community Credit Union
    https://www.rivermarkcu.org/join
    Last checked: October 2026