Credit union · NCUA insured
Energy One Federal Credit Union Auto Loan Rates
Energy One Federal Credit Union auto loans start at 4.99% APR for a new vehicle and 4.99% for a used one. Rates checked October 5, 2026.
How Energy One Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Tulsa, OK, where Energy One Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Energy One Federal Credit Union
4.99%APR
- Terms
- up to 84 months
- Up to
- —
- Discount
- Included in the rate
Auto Loans
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
Energy One Federal Credit Union auto loan score
79
Auto loan score
Higher than 48% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed4.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Energy One 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.
Auto Loans
Flexible auto loans for new and used vehicles, refinancing, and dealer purchases. Membership eligibility, credit approval, and vehicle qualifications apply.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.99% | Promotional offer: No payments for the first 90 days on qualifying auto loans funded from May to the end of July 2026 (payments are deferred, not waived; interest begins accruing from date funded and is added to the balance). APR includes a 0.25% rate discount with automatic payment. |
Sources (2)
All captured Oct 5, 2026
Who can join Energy One Federal Credit Union
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