Credit union · NCUA insured
Cooperative Employees’ Credit Union Auto Loan Rates
Cooperative Employees’ Credit Union auto loans start at 5.25% APR for a new vehicle and 5.75% for a used one. Rates checked October 15, 2026.
How Cooperative Employees’ Credit Union’s auto loan rates compare
Compared with banks and credit unions in Oklahoma, where Cooperative Employees’ Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Cooperative Employees’ Credit Union
5.25%APR
- Terms
- up to 60 months
- Up to
- —
New & Up to 3 years Car-Truck-Van
Lowest rate
Texoma Educators
2.99%APR
- Terms
- —
- Up to
- —
2nd-lowest rate
American Airlines Federal Credit Union
4.09%APR
- Terms
- 37–60 months
- Up to
- 13.14% APR
Cooperative Employees’ Credit Union auto loan score
72
Auto loan score
Higher than 31% of U.S. banks and credit unions
- New vehicleNew5.25%
- Used vehicleUsed5.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Cooperative Employees’ Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
New & Up to 3 years Car-Truck-Van
100% of Sticker Price. Loans $40,000 & greater can go up to 84 months. Above rates are applicable for debt to income ratio not exceeding 30%. Rates over 45% DTI have 1% added per 1% up to 50%; over 50% referred to Credit Committee with 2% added per 1% over 50%. Direct payments include payroll deduction and ACH; for non-direct payments, 1% will be added. Members with >30% DTI, collections, late payments within past 2 years, bankruptcy, or judgments will be assessed 2% higher rate for New and Used Auto loans.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.75% | Up to 36 months. Direct payments (payroll deduction/ACH). Applicable for DTI not exceeding 30%. |
| up to 48 months | 5.00% | Up to 48 months. Direct payments (payroll deduction/ACH). Applicable for DTI not exceeding 30%. |
| up to 60 months | 5.25% | Up to 60 months. Direct payments (payroll deduction/ACH). Applicable for DTI not exceeding 30%. |
| up to 72 months | 5.50% | Up to 72 months. Direct payments (payroll deduction/ACH). Applicable for DTI not exceeding 30%. |
| up to 84 months | 6.00% | Up to 84 months. Loans $40,000 & greater can go up to 84 months. Direct payments (payroll deduction/ACH). Applicable for DTI not exceeding 30%. |
Sources (2)
All captured Oct 15, 2026
New Motorcycles/4-Wheelers/Dirt Bikes/Scooters
100% of Sticker Price. Above rates are applicable for debt to income ratio not exceeding 30%. Rates over 45% DTI have 1% added per 1% up to 50%; over 50% referred to Credit Committee with 2% added per 1% over 50%. Direct payments include payroll deduction and ACH; for non-direct payments, 1% will be added. Members with >30% DTI, collections, late payments within past 2 years, bankruptcy, or judgments will be assessed 1% higher rate for other collateral loans.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 6.50% | Up to 36 months. Direct payments (payroll deduction/ACH). Applicable for DTI not exceeding 30%. |
| up to 48 months | 6.75% | Up to 48 months. Direct payments (payroll deduction/ACH). Applicable for DTI not exceeding 30%. |
| up to 60 months | 7.00% | Up to 60 months. Direct payments (payroll deduction/ACH). Applicable for DTI not exceeding 30%. |
Sources (2)
All captured Oct 15, 2026
Used Motorcycles/4-Wheelers/Dirt Bikes/Scooters
100% of NADA Avg. Retail. Above rates are applicable for debt to income ratio not exceeding 30%. Rates over 45% DTI have 1% added per 1% up to 50%; over 50% referred to Credit Committee with 2% added per 1% over 50%. Direct payments include payroll deduction and ACH; for non-direct payments, 1% will be added. Members with >30% DTI, collections, late payments within past 2 years, bankruptcy, or judgments will be assessed 1% higher rate for other collateral loans.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 7.50% | Up to 36 months. Direct payments (payroll deduction/ACH). Applicable for DTI not exceeding 30%. |
| up to 48 months | 7.75% | Up to 48 months. Direct payments (payroll deduction/ACH). Applicable for DTI not exceeding 30%. |
| up to 60 months | 8.00% | Up to 60 months. Direct payments (payroll deduction/ACH). Applicable for DTI not exceeding 30%. |
Sources (2)
All captured Oct 15, 2026
Used/Over 3 years Car-Truck-Van
100% of NADA Avg. Retail. 75% NADA Avg Retail for 10 years & older, 2% rate increase, max term 36 months if less than $10,000. Above rates are applicable for debt to income ratio not exceeding 30%. Rates over 45% DTI have 1% added per 1% up to 50%; over 50% referred to Credit Committee with 2% added per 1% over 50%. Direct payments include payroll deduction and ACH; for non-direct payments, 1% will be added. Members with >30% DTI, collections, late payments within past 2 years, bankruptcy, or judgments will be assessed 2% higher rate for New and Used Auto loans.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.25% | Up to 36 months. Direct payments (payroll deduction/ACH). Applicable for DTI not exceeding 30%. |
| up to 48 months | 5.50% | Up to 48 months. Direct payments (payroll deduction/ACH). Applicable for DTI not exceeding 30%. |
| up to 60 months | 5.75% | Up to 60 months. Direct payments (payroll deduction/ACH). Applicable for DTI not exceeding 30%. |
Sources (2)
All captured Oct 15, 2026
Who can join Cooperative Employees’ Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of Western Farmers Electric Cooperative are eligible for membership.
Family and household
- Family members of Western Farmers Electric Cooperative employees (specifically spouse, child, mother, father, brother, or sister) are eligible for membership.
Membership information collected October 4, 2026.