--- title: "Express Credit Union Rates (Nov 2026): CDs to 3.75%" description: "Express Credit Union rates today: savings & CDs up to 3.75% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join Express Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/washington/express" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Express Credit Union Rates (Nov 2026): CDs to 3.75% ### Auto & vehicle rates 4 offers | Product | Published | Rate | Term / condition | Status | | **New Auto Loan (2024 & Newer) - Includes EV loan** auto_new | — APR | 5.740% | new | Standard | | **Used Car Loan (2023-1999) - Includes EV loan** auto_used | — APR | 5.990% | used | Standard | | **RV/Boat/Trailer** rv | — APR | 6.240% | — | Standard | | **Motorcycle/ATV** motorcycle | — APR | 6.740% | — | Standard | Express Credit Union auto & vehicle rates as of November 13, 2026 ### Personal loan rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Unsecured Personal Loan** personal_unsecured | — APR | 10.740% | — | Standard | | **Holiday Loan** personal | — APR | 12.000% | — | Standard | Express Credit Union personal loan rates as of November 13, 2026 ### Credit card rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Credit Card** credit_card | — APR | 12.250% | — | Standard | Express Credit Union credit card rates as of November 13, 2026 ### Savings & CD rates 9 offers | Product | Published | Rate | Term / condition | Status | | **12-Month IRA Certificate** ira_cd_12mo | 1.50% APY | 1.50% | 12 mo | Standard | | **12 months Social Impact Certificate 2** cd_12mo | 2.00% APY | 1.98% | 12 mo | Standard | | **36-Month IRA Certificate** ira_cd_36mo | 2.80% APY | 2.77% | 36 mo | Standard | | **60-Month IRA Certificate** ira_cd_60mo | 2.85% APY | 2.81% | 60 mo | Standard | | **48-Month IRA Certificate** ira_cd_48mo | 2.85% APY | 2.81% | 48 mo | Standard | | **24-Month IRA Certificate** ira_cd_24mo | 3.00% APY | 2.96% | 24 mo | Standard | | **6-Month IRA Certificate** ira_cd_6mo | 3.25% APY | 3.20% | 6 mo | Standard | | **12 months Social Impact Certificate 3** cd_12mo | 3.75% APY | 3.69% | 12 mo | Standard | | **12-Month IRA Certificate** ira_cd_12mo | 3.75% APY | 3.69% | 12 mo | Standard | Express Credit Union savings & cd rates as of November 13, 2026 ### Other rates 3 offers | Product | Published | Rate | Term / condition | Status | | **Member Advance Loan** other | — % | 10.000% | — | Standard | | **Citizenship Loan** other | — % | 11.990% | — | Standard | | **Suspended License Loan** other | — % | 14.000% | — | Standard | Express Credit Union other rates as of November 13, 2026 Savings and certificate yields up to 3.75% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/washington/express) , verified from [Express Credit Union's official website](https://www.expresscu.org/) Loading branch locator… ## About Express Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 3.7K Assets $22.8M Founded 1934 Locations reported 1 NCUA charter 68273 Charter type Federally insured state-chartered credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - Bilingual services - Credit-builder products Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Seattle Metropolitan** Corporate Office · Seattle · WA · 98134-1406 About 0.4 miles away](https://rateapi.dev/credit-unions/washington/seattle-metropolitan) [**Topeka Firemen's** Mozey · SEATTLE · WA · 98104-2803 About 1.2 miles away](https://rateapi.dev/credit-unions/kansas/topeka-firemens) [**Harborstone** 5th & Jefferson Branch · Seattle · WA · 98104 About 1.5 miles away](https://rateapi.dev/credit-unions/washington/harborstone) [**Kitsap** Columbia Center · Seattle · WA · 98104 About 1.7 miles away](https://rateapi.dev/credit-unions/washington/kitsap) [**Verity** Beacon Hill Branch · Seattle · WA · 98108-1532 About 1.8 miles away](https://rateapi.dev/credit-unions/washington/verity) [**Boeing Employees** 2nd and Pine · Seattle · WA · 98101 About 2.0 miles away](https://rateapi.dev/credit-unions/washington/boeing-employees) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Express Credit Union Membership eligibility from Express Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Express Credit Union's website. Check the membership page below to confirm whether you qualify. - Location WA Verified from [Express Credit Union's membership page](https://www.expresscu.org/about/mission/) . Final membership determination is always made by the credit union. ## Membership rules for Express Credit Union Geography 1 1 published path to membership, last verified August 21, 2026, quoted from Express Credit Union’s own published criteria. ### Geography 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - WA “Express CU provides affordable and secure financial services to meet the diverse needs of WA State residents.” > [source ↗](https://www.expresscu.org/about/mission/) Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Express Credit Union? Yes No ## Work at Express Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Express Credit Union ranks against Washington peers. - See which AI assistants fetched Express Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Washington - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=express&state=washington&code=WA&name=Express%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Express Credit Union offer? Express Credit Union currently offers vehicle loan, personal loan, and credit card rates. The rates shown on this page were last verified November 13, 2026 directly from the credit union's official website. ### How often are Express Credit Union rates updated? RateAPI verifies Express Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 13, 2026. ### Where does RateAPI get Express Credit Union's rate data? Rate data is collected directly from Express Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Express Credit Union's best CD rate? As of November 13, 2026, Express Credit Union offers savings and certificate (CD) yields up to 3.75% APY. ### Who can join Express Credit Union? Express Credit Union publishes its membership criteria on its own website. RateAPI tracks 1 published membership path covering 1 geographic area for Express Credit Union, each quoted from Express Credit Union's own published membership criteria. ## Related Rate Data Compare Express Credit Union's rates against national credit-union benchmarks. [More Washington credit unions](https://rateapi.dev/credit-unions/washington) [Washington auto loan rate leaders](https://rateapi.dev/auto-loan-rates/washington) [Washington personal loan leaders](https://rateapi.dev/personal-loan-rates/washington) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.expresscu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Express Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Washington credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Express Credit Union curl "https://api.rateapi.dev/credit-unions/washington /express " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Express Credit Union locations Search, filter, and browse all 1 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/washington/express Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp