Q2 2026 call reports
Credit union loan rates in Oregon
Oregon credit unions reported a median new auto loan rate of 5.49% on their call reports for the quarter ended June 30, 2026, against 5.46% nationally. Among those with $25 million or more in assets and at least $1 million in auto loans, Umatilla County Federal Credit Union reported the lowest, 4.18%.
These are the rates credit unions filed with NCUA, not offers. Your rate depends on credit, term and timing, and you must be eligible to join.
| Loan | Oregon median | US median |
|---|---|---|
| New auto | 5.49% | 5.46% |
| Used auto | 6.00% | 6.32% |
| Credit card | 11.95% | 11.50% |
| Personal | 12.00% | 11.75% |
| Mortgage | 6.00% | 5.75% |
| Home equity | 6.87% | 6.75% |
Lowest credit card rate reported in Oregon: IBEW & United Workers Federal Credit Union, 8.89%. Lowest first mortgage rate: Wauna Federal Credit Union, 2.75%. (Same size rules as the national rankings.)
Every Oregon credit union's reported rates
All 47 Oregon credit unions that reported at least one loan rate, largest first. A dash means it holds no loans of that type.
| Credit union | New auto | Used auto | Credit card | Personal | Mortgage | Home equity |
|---|---|---|---|---|---|---|
| OnPoint Community Credit Union | 4.74% | 4.74% | 13.50% | 12.00% | 5.75% | 6.75% |
| Rogue Credit Union | 5.49% | 5.74% | 13.00% | 13.25% | 6.24% | 6.74% |
| Oregon Community Credit Union | 5.99% | 5.99% | 13.49% | 14.49% | 6.38% | 6.75% |
| Rivermark Community Credit Union | 4.84% | 6.24% | 11.90% | 13.95% | 5.99% | 7.15% |
| Selco Community Credit Union | 5.58% | 7.46% | 14.68% | 14.68% | 6.15% | 6.53% |
| Oregon State Credit Union | 5.44% | 5.94% | 10.25% | 10.50% | 6.25% | 6.75% |
| First Community Credit Union | 5.00% | 6.00% | 13.50% | 11.49% | 5.50% | 6.50% |
| Marion and Polk Schools Credit Union | 5.74% | 6.24% | 12.25% | 13.90% | 6.50% | 6.50% |
| Unitus Community Credit Union | 5.49% | 5.74% | 12.24% | 9.50% | 7.00% | 7.00% |
| Mid Oregon Credit Union | 5.74% | 5.74% | 11.28% | 12.89% | 7.24% | 7.24% |
| Consolidated Federal Credit Union | 5.49% | 5.74% | 9.95% | 11.95% | 6.50% | 6.75% |
| Central Willamette Credit Union | 5.49% | 5.99% | 16.75% | 11.75% | 7.25% | 6.75% |
| Embold Federal Credit Union | 9.85% | 10.58% | 15.20% | 9.98% | 6.50% | 9.50% |
| Cascade Community Federal Credit Union | 5.10% | 5.90% | 10.22% | 8.83% | 5.81% | 6.95% |
| Wauna Federal Credit Union | 6.24% | 13.49% | 14.90% | 11.74% | 2.75% | 6.35% |
| Sage Federal Credit Union | 4.99% | 5.99% | 9.99% | 10.99% | 6.75% | 6.75% |
| Inroads Federal Credit Union | 5.74% | 5.49% | 18.00% | 17.99% | 6.50% | 6.50% |
| Oregonians Credit Union | 5.69% | 5.84% | 9.89% | 11.98% | 4.89% | 6.79% |
| Old West Federal Credit Union | 6.50% | 10.00% | 10.99% | 18.00% | 8.25% | 8.25% |
| Pacific N W Federal Credit Union | 5.40% | 6.20% | 15.80% | 13.30% | 5.90% | 7.20% |
| NW Priority Credit Union | 5.44% | 6.07% | 12.85% | 13.18% | 4.50% | 7.00% |
| NW Preferred Federal Credit Union | 6.00% | 6.26% | 10.75% | 12.12% | 6.42% | 7.35% |
| Heritage Grove Federal Credit Union | 5.72% | 6.26% | 14.69% | 13.33% | 6.15% | 7.64% |
| 44 North Credit Union | 5.92% | 10.23% | 12.90% | 14.52% | 3.39% | 7.22% |
| Trailhead Federal Credit Union | 6.26% | 7.29% | 13.27% | 13.25% | 5.03% | 6.54% |
| Ironworkers USA Federal Credit Union | 6.00% | 10.00% | 11.00% | 14.00% | – | 9.00% |
| Pacific Cascade Federal Credit Union | 6.07% | 7.33% | – | 4.90% | 4.36% | 8.79% |
| Valley Credit Union | 6.85% | 9.27% | 12.75% | 13.69% | 6.63% | 8.30% |
| IBEW & United Workers Federal Credit Union | 4.58% | 5.74% | 8.89% | 10.90% | 3.98% | 7.22% |
| Point West Credit Union | 4.60% | 5.90% | 8.95% | 13.50% | 5.60% | 5.77% |
| Sunset Federal Credit Union | 5.50% | 5.50% | 9.90% | 11.50% | 6.00% | 7.50% |
| Forrit Credit Union | 4.24% | 5.24% | 11.95% | 7.25% | 6.75% | 6.75% |
| Castparts Employees Federal Credit Union | 5.37% | 7.69% | 9.65% | 10.12% | 4.49% | 7.60% |
| Teamsters Council #37 Credit Union | 5.00% | 6.50% | 9.99% | 9.99% | 6.74% | 6.50% |
| Benton County Schools Credit Union | 4.25% | 5.27% | 13.81% | 8.42% | 3.91% | 7.20% |
| United Trades Federal Credit Union | 5.50% | 5.50% | 10.50% | 13.00% | 6.50% | 6.75% |
| Cutting Edge Federal Credit Union | 4.99% | 6.61% | 11.10% | 12.78% | 4.26% | 6.41% |
| Umatilla County Federal Credit Union | 4.18% | 4.41% | – | 9.70% | 3.42% | – |
| Eweb Employees Federal Credit Union | 4.75% | 5.00% | 11.95% | 12.00% | 7.00% | 6.75% |
| Northwest Adventist Federal Credit Union | 5.77% | 6.46% | 12.90% | 11.70% | 4.16% | 4.58% |
| Gateway Credit Union | 4.94% | 6.25% | 9.90% | 11.31% | 5.05% | 7.19% |
| Emerald Empire Federal Credit Union | 6.00% | 9.00% | – | 16.00% | 7.25% | 7.25% |
| IBEW/SJ Cascade Federal Credit Union | 5.99% | 5.99% | 9.99% | 9.90% | 6.00% | 7.00% |
| South Coast Ilwu Federal Credit Union | 4.21% | 4.96% | 10.90% | 12.54% | 4.60% | – |
| Radio Cab Credit Union | – | 10.28% | – | 18.67% | – | – |
| Machinists - Boilermakers Federal Credit Union | 7.62% | 8.12% | – | 11.00% | – | – |
| Opc Federal Credit Union | 4.00% | 6.00% | – | 13.00% | – | – |
Source: NCUA 5300 Call Report quarterly data, Q2 2026. Not affiliated with NCUA or any credit union. Sort and filter these in the screener · All Oregon credit unions · Lowest rates nationally