Skip to content

Credit union · NCUA insured

Employees Federal Credit Union Auto Loan Rates

Employees Federal Credit Union auto loans start at 4.74% APR for a new vehicle and 4.74% for a used one. Rates checked October 15, 2026.

How Employees Federal Credit Union’s auto loan rates compare

Compared with banks and credit unions near Tulsa, OK, where Employees Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.

  • This credit union’s lowest

    Employees Federal Credit Union

    4.74%APR

    Terms
    up to 96 months
    Up to
    —
    Discount
    None included

    Vehicle Loans (Automobiles)

  • Top Carrot, Carrot Score 94

    Lowest rate

    American Airlines Federal Credit Union

    4.09%APR

    Terms
    37–60 months
    Up to
    13.14% APR
    Discount
    None included

    American Airlines Federal Credit Union rates

  • Top Carrot, Carrot Score 88

    2nd-lowest rate

    Oklahoma's Credit Union

    4.24%APR

    Terms
    up to 60 months
    Up to
    —
    Discount
    Included in the rate

    Oklahoma's Credit Union rates

Compare auto loan rates near you →

Employees Federal Credit Union auto loan score

87

Auto loan score

Higher than 80% of U.S. banks and credit unions

By vehicle
  • New vehicleNew4.74%
  • Used vehicleUsed4.74%

Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.

How the score works →

Where Employees Federal 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.

Who can join Employees Federal Credit Union

This may be incomplete or out of date, so check with the credit union before you apply.

Where you live or work

  • Persons within Downtown Tulsa (inside the perimeter of the IDL) are eligible for membership.
  • Persons within East Tulsa are eligible for membership.
  • Anyone who works or attends school in the Eastgate Metroplex is eligible for membership.
  • Anyone who works, lives, worships, or attends school in West Tulsa area #1 is eligible for membership.
  • Persons within West Tulsa area #2 are eligible for membership.

Employers and groups

  • Employees and retirees of Tulsa Country Club, Goodwill, and A New Leaf are eligible for membership.
7 more ways to join

Employers and groups

  • Employees and retirees of several other local businesses are eligible for membership.
  • Employees and members of Southwest Tulsa Chamber of Commerce are eligible for membership.

Military, government and schools

  • Employees and retirees of Tulsa County, Creek County, and Osage County Sheriff’s Office are eligible for membership.
  • Employees and retirees of The City of Tulsa, Bixby, Catoosa, Claremore, Glenpool, Jenks, Mannford, and Sapulpa are eligible for membership.
  • Employees and retirees of Tulsa Urban Renewal Authority, Tulsa City-County Library, and Tulsa City-County Civil Defense are eligible for membership.
  • The City of Tulsa elected and appointed officials and employees/retirees of Tulsa Housing Authority are eligible for membership.

Family and household

  • Family members (defined as spouse, children, stepchildren, grandchildren, parents, brothers, sisters, aunts, uncles, nieces, nephews, daughters-in-law, and sons-in-law) of eligible employees, retirees, and current members are eligible for membership.

Cost to join

  • Membership requires a $25.00 deposit into a regular share account.

Membership information collected October 4, 2026.

Check membership requirements ↗Branches and institution details
← Employees Federal Credit Union overview