Credit union · NCUA insured
Focus Federal Credit Union Auto Loan Rates
Focus Federal Credit Union auto loans start at 4.70% APR for a new vehicle and 4.70% for a used one. Rates checked October 15, 2026.
How Focus Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Oklahoma City, OK, where Focus Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Focus Federal Credit Union
4.70%APR
- Terms
- 49–66 months
- Up to
- 18.00% APR
- Discount
- None included
Vehicle Loans
Lowest rate
Credit Union One of Oklahoma
4.24%APR
- Terms
- 49–60 months
- Up to
- —
- 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
Focus Federal Credit Union auto loan score
88
Auto loan score
Higher than 83% of U.S. banks and credit unions
- New vehicleNew4.70%
- Used vehicleUsed4.70%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Focus 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.
Fresh Start Auto Loan
Loan amounts up to $20,000 or 50% of annual income, whichever is less. Requires 6 months of verifiable income (2 recent paystubs). Maximum age of collateral is 9 years old. Terms up to 60 or 66 months. Interest rates determined by credit score.
| Terms | APR | Conditions |
|---|---|---|
| up to 66 months | 13.95%–18.00% | Terms up to 66 months stated on rate schedule (page mentions up to 60 months). Max loan amount $20,000 or 50% of annual income, whichever is less. |
Sources (3)
All captured Oct 7, 2026
Vehicle Loans
Interest rates (APR = Annual Percentage Rate) determined by credit score. Normal credit union underwriting, terms and conditions apply. Rates subject to change. Must become a member of Focus Federal Credit Union to complete loan.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.45%–18.00% | Vehicle Loans 48 months or less. |
| 49–66 months | 4.70%–18.00% | Vehicle Loans 49 thru 66 months (or 66 months or less). |
| 67–78 months | 5.20%–18.00% | Vehicle Loans 67 thru 78 months. |
| 79–90 months | 5.70%–18.00% | Vehicle Loans 79 thru 90 months. |
| 91–120 months | 7.70%–18.00% | Vehicle Loans 91 thru 120 months. |
Sources (5)
- focusok.com
- focusok.com/loans
- focusok.com/vehicle-okc
- focusok.com/new-used-rate-auto-loans
- focusok.com/rates
All captured Oct 7, 2026
Who can join Focus 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
- Anyone who lives, works, worships, or attends school in Oklahoma, Cleveland, Canadian, Lincoln, Logan, McClain, Pottawatomie, and Grady Counties is eligible to become a member.
Membership information collected October 4, 2026.