Credit union · NCUA insured
Encentus Federal Credit Union Auto Loan Rates
Encentus Federal Credit Union auto loans start at 5.00% APR for a new vehicle and 5.00% for a used one. Rates checked October 15, 2026.
How Encentus Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Tulsa, OK, where Encentus Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Encentus Federal Credit Union
5.00%APR
- Terms
- up to 84 months
- Up to
- —
- Discount
- None included
New Auto
Lowest rate
American Airlines Federal Credit Union
4.09%APR
- Terms
- 37–60 months
- Up to
- 13.14% APR
- Discount
- None included
2nd-lowest rate
Oklahoma's Credit Union
4.24%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- Included in the rate
Encentus Federal Credit Union auto loan score
82
Auto loan score
Higher than 57% of U.S. banks and credit unions
- New vehicleNew5.00%
- Used vehicleUsed5.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Encentus 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.
Motorcycles
Maximum term 84 months depending on collateral value and borrower credit history. Advertised as low as rate.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 7.50% | Maximum term 84 months depending on collateral value and borrower credit history. Advertised as low as rate. |
Sources (1)
- encentusfcu.org/Rates/Loan-Rates · captured Oct 5, 2026
New Auto
Financing up to 125% available and dependent on credit. No prepayment penalties. Loan amounts based on ability to pay and credit history. Term depends on collateral value and borrower credit history.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 5.00% | Maximum term 84 months depending on collateral value and borrower credit history. Advertised as low as rate. |
Used Auto
Financing up to 125% available and dependent on credit. No prepayment penalties. Loan amounts based on ability to pay and credit history. Term depends on collateral value and borrower credit history.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 5.00% | Maximum term 84 months depending on collateral value and borrower credit history. Advertised as low as rate. |
Who can join Encentus Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.