Your ride.  We’ll help you get the affordable loan for whatever shape, size and color of vehicle you choose.


  • New, used and refinancing loans at competitive rates
  • Terms up to 72 months
  • We work with area dealers for your convenience. Just ask for your financing through CALCOE.


  • Each loan is reviewed individually by local staff
  • Affordable rates allow you to manage your budget effectively and keeps more money in your pocket
  • Convenience. Finance with CALCOE at the dealer and then if you have any questions, we’re just down the street.

Personalize Your Auto Loan:

  • Automatic payments – never worry about a late payment
  • Choose GAP, MBP and/or Debt Protection to protect your vehicle and loan
  • Convenient account access through Mobile and Online Banking



Payment Options

Auto Pay
Have your monthly payment taken directly from your checking or savings account, on the day you choose
Transfer your payment from your CALCOE savings or checking account to your loan through Online Banking or our mobile app
Debit or Credit Card
Make your one time payment or set up a recurring payment with a debit or credit card. Click Here
Send your check to: 1209 N 16th Ave, Yakima, WA 98902
Visit a branch locationFree
Drop in our Night Deposit BoxFree


Which Local Vehicle Dealers Does CALCOE Work With?

You can apply for your vehicle loan with CALCOE by simply letting the dealer know you choose CALCOE for your financing.

Dealer NameStreet AddressCityPhone
A.C. Auto Sales8 E. Valley Mall Blvd.Union Gap509-248-3800
AR1 Auto Sales3501 Main St.Union Gap509-452-1199
Auto Max USA1701 S 1st StYakima509-453-9399
Bill Harris Used Cars Inc.608 S 1st StSelah509-697-7006
Bob Hall’s Honda GMC Olds1700 E Yakima AveYakima509-575-1090
Bob Hall’s Mazda1600 E Yakima AveYakima509-248-7600
Bob Hall’s Sunfair Chevrolet1600 E Yakima AveYakima509-248-7600
Brian Harris Used Cars622 S 1st StSelah509-697-9119
C. Speck Motors61 E Allen RdSunnyside509-837-5501
Dean Russells Truck Town4211 Main StUnion Gap509-469-6767
Don’s Auto Sales3907 Main StUnion Gap509-452-0046
Hahn Motor Company1201 S 1st StYakima509-453-9171
Lee Peterson Motors410 S 1st StYakima509-575-6372
McKenna Motors3414 Main StUnion Gap509-248-3839
Mid Valley Chrysler Dodge Jeep501 Stover RdGrandview509-882-5005
Owens Cycle Inc1707 N 1st StYakima509-575-1916
Phil’s Auto Sales3902 Main StUnion Gap509-452-0952
Pingrey Motor Company102 W Naches AveSelah509-697-7288
Steve Hahn’s VW Audi Suzuki1730 S 1st StYakima509-248-4700
Stewart Subaru506 Fruitvale BlvdYakima509-248-5494
Toyota of Yakima2230 Longfibre AveYakima509-575-4868
Trucks Plus USA Inc3500 Main StUnion Gap509-225-4045
Valley Ford Nissan910 S 1st StYakima509-453-3125


GAP Warranty

In the event of a total loss on your vehicle, GAP protects the “gap” between the vehicle’s value and the amount you still owe on the loan. GAP Protection covers the following:

  • Remaining loan balance after insurance settlement if the vehicle was totaled or stolen
  • Up to $1,000 of your deductible as part of the deficiency balance
  • $1,000 credit toward the purchase of a replacement vehicle when financed through CALCOE
  • Auto Deductible Reimbursement is an added benefit. If you file a claim, Auto Deductible Reimbursement will pay your deductible up to $500, limit of two per year; available for three years



Mechanical Breakdown Protection

Mechanical Breakdown Protection can help ensure that the investment in your vehicle is protected, and reduces the possibility of out-of-pocket expenses when your vehicle suffers an unexpected mechanical failure. Most important of all, Mechanical Breakdown Protection provides peace of mind so you can experience worry-free driving!



Debt Protection

Unexpected life events can happen without notice. You can help yourself and your loved ones through death, disability, unemployment and more by being prepared for the financial changes that come along with these difficult situations. Debt Protection will cover your loan payment or possibly forgive your loan depending on the type of event.



Credit Builder Loan

Do you have less than perfect credit? No credit history? Our Credit Builder Loan was developed for you.   Talk to a Loan Officer today for qualifications.

  • Terms up to 72 months
  • May be eligible to reduce interest rate after 18 months with Lower Interest for Timeliness (LIFT) program




Interest Rate – Rates are subject to change without notice. APR is based on the amount you finance, the term (length) of your contract and our evaluation of your credit history. A $10,000.00 loan, at a 5-year term, 5.20% interest rate and 5.61% APR would be repayable in 60 monthly payments of $191.53 each. Credit Approval – All accounts subject to credit approval. License fee – Borrower is responsible for any tax and licensing fees. Late payment fee – Minimum of $30 and maximum of $45 on any minimum payment not paid within 10 days after due date. Minimum monthly payments – Minimum monthly payment of principal and interest amortized for term of loan with minimum amount due of $45.