--- title: "Ibew 76 Credit Union: #1 New Auto Loan in Washington" description: "Ibew 76 Credit Union has the lowest tracked new-car loan rate in Washington (4.00% APR) among 28 credit unions we verify. Ibew 76 Credit Union rates today: mortgage 5.99% APR, vehicle loans from 4.00% APR, HELOC from 7.53% APR, personal loans from 10.00% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Ibew 76 Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/washington/ibew-76" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Ibew 76 Credit Union: #1 New Auto Loan in Washington ### Mortgage rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Mortgage** other | 5.990% APR | 5.990% | — | Standard | Ibew 76 Credit Union mortgage rates as of November 12, 2026 ### Auto & vehicle rates 4 offers | Product | Published | Rate | Term / condition | Status | | **New Auto Loan** auto_new | 4.000% APR | 4.000% | new | Standard | | **New Boat Loan** boat_new | 6.490% APR | 6.490% | new | Standard | | **New RV Loan** rv_new | 6.490% APR | 6.490% | new | Standard | | **Motorcycle (Street Legal)** motorcycle | 6.490% APR | 6.490% | — | Standard | Ibew 76 Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Second Mortgage** heloc_fixed | 7.530% APR | 7.530% | — | Standard | Ibew 76 Credit Union heloc rates as of November 12, 2026 ### Personal loan rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Signature Loan** personal_unsecured | 10.000% APR | 10.000% | — | Standard | | **Personal Line of Credit** ploc_variable | 12.000% APR | 12.000% | — | Standard | Ibew 76 Credit Union personal loan rates as of November 12, 2026 As of November 12, 2026, Ibew 76 Credit Union offers mortgage rates from 5.99% APR. Vehicle loans available from 4% APR. HELOC rates from 7.53% APR. Personal loan rates from 10% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/washington/ibew-76) , verified from [Ibew 76 Credit Union's official website](https://ibew76fcu.org/) Best product position **#1 of 28** new-car loan Gap to state best **0 bp** State market leader Vs. state median **172 bp better than median** new-car loan Products ranked **3** across tracked Washington markets | Product | Published APR | Position | Vs. state best | Vs. state median | | new-car loan | 4.00% | #1 of 28 · lowest in Washington | State market leader | 172 bp better than median | | HELOC | 7.53% | #1 of 19 · lowest in Washington | State market leader | 53 bp behind median | | personal loan | 10.00% | Room to improve vs. the Washington median | 675 bp from state best | 6 bp behind median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Ibew 76 Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=ibew-76&state=washington&code=WA&name=Ibew%2076%20Credit%20Union) Loading branch locator… ## About Ibew 76 Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 1.4K Assets $30M Founded 1957 Locations reported 1 NCUA charter 11949 Charter type Federal 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 - Payday Alternative Loans I - Payday Alternative Loans II 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. [**Harborstone** Tacoma · Tacoma · WA · 98409 About 0.1 miles away](https://rateapi.dev/credit-unions/washington/harborstone) [**Qualstar** TACOMA BRANCH · Tacoma · WA · 98409-7701 About 0.7 miles away](https://rateapi.dev/credit-unions/washington/qualstar) [**Cascade** Tacoma · Tacoma · WA · 98409-7472 About 0.8 miles away](https://rateapi.dev/credit-unions/washington/cascade) [**America's Credit Union, A** South Tacoma · Tacoma · WA · 98408 About 1.6 miles away](https://rateapi.dev/credit-unions/washington/americas-credit-union-a) [**Boeing Employees** Pierce County Financial Center · Tacoma · WA · 98405 About 1.8 miles away](https://rateapi.dev/credit-unions/washington/boeing-employees) [**Navy Federal Credit Union** Tacoma WA · TACOMA · WA · 98405 About 1.8 miles away](https://rateapi.dev/credit-unions/virginia/navy-federal-credit-union) 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 Ibew 76 Credit Union Membership eligibility from Ibew 76 Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership via the IBEW Ninth District & their JATCs +3 more - Association IBEW Ninth District & their JATCs, Teamsters Local 117 & 313, Roofers Local 153, Painters Local 300 Verified from [Ibew 76 Credit Union's membership page](https://sparkcu.org/membership/) . Final membership determination is always made by the credit union. ## Work at Ibew 76 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 Ibew 76 Credit Union ranks against Washington peers. - See which AI assistants fetched Ibew 76 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=ibew-76&state=washington&code=WA&name=Ibew%2076%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Ibew 76 Credit Union offer? Ibew 76 Credit Union currently offers mortgage, vehicle loan, HELOC, and personal loan rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Ibew 76 Credit Union rates updated? RateAPI verifies Ibew 76 Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Ibew 76 Credit Union's rate data? Rate data is collected directly from Ibew 76 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 Ibew 76 Credit Union's mortgage rate? As of November 12, 2026, Ibew 76 Credit Union offers mortgage rates from 5.99% APR. ### What are Ibew 76 Credit Union's auto, rv, boat & motorcycle loan rates? As of November 12, 2026, Ibew 76 Credit Union offers vehicle loans from 4% APR. ### What is Ibew 76 Credit Union's HELOC rate? As of November 12, 2026, Ibew 76 Credit Union offers home equity lines of credit from 7.53% APR. ### What is Ibew 76 Credit Union's personal loan rate? As of November 12, 2026, Ibew 76 Credit Union offers personal loans from 10% APR. ### Who can join Ibew 76 Credit Union? Membership via the IBEW Ninth District & their JATCs +3 more ## Related Rate Data Compare Ibew 76 Credit Union's rates against national credit-union benchmarks. [More Washington credit unions](https://rateapi.dev/credit-unions/washington) [Washington mortgage rate leaders](https://rateapi.dev/mortgage-rates/washington) [Washington auto loan rate leaders](https://rateapi.dev/auto-loan-rates/washington) [Washington HELOC rate leaders](https://rateapi.dev/heloc-rates/washington) [Washington personal loan leaders](https://rateapi.dev/personal-loan-rates/washington) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [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://ibew76fcu.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 Ibew 76 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 Ibew 76 Credit Union curl "https://api.rateapi.dev/credit-unions/washington /ibew-76 " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Ibew 76 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/ibew-76 Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp