Credit union · NCUA insured
Oakdale CU Auto Loan Rates
Top CarrotOakdale CU auto loans start at 3.99% APR for a new vehicle and 3.99% for a used one. Rates checked October 16, 2026.
How Oakdale CU’s auto loan rates compare
Compared with banks and credit unions near Baraboo, WI, where Oakdale CU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Oakdale CU
3.99%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Auto – New
2nd-lowest rate
Connexus Credit Union
5.29%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
3rd-lowest rate
Summit Credit Union
5.95%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Oakdale CU auto loan score
94
Auto loan score
Higher than 96% of U.S. banks and credit unions
- New vehicleNew3.99%
- Used vehicleUsed3.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Oakdale CU 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 – 2021- Older
Rates subject to change and may vary based on credit score and other factors. Down payment may apply. Membership eligibility is required.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.99% | Applies to 2021 or older model year vehicles. Actual loan rate may vary based on credit score and other factors. |
Sources (1)
- oakdalecu.coop/loan-rates · captured Oct 5, 2026
Auto – 2022 or Newer
Rates subject to change and may vary based on credit score and other factors. Down payment may apply. Membership eligibility is required.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.99% | Applies to 2022 or newer model year vehicles. Actual loan rate may vary based on credit score and other factors. |
| up to 48 months | 3.99% | Applies to 2022 or newer model year vehicles. Actual loan rate may vary based on credit score and other factors. |
| up to 60 months | 3.99% | Applies to 2022 or newer model year vehicles. Actual loan rate may vary based on credit score and other factors. |
Sources (1)
- oakdalecu.coop/loan-rates · captured Oct 5, 2026
Auto – New
Rates subject to change and vary based on credit score, term, and other factors. Select vehicles only. Includes a 0.25% discount for payments made via payroll deduction or automatic payments/direct deposit. 125% financing available to qualified applicants. Membership eligibility is required. Down payment may apply.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.99% | Rate includes a 0.25% deduction for automatic payments. Actual rate may vary based on credit score and other factors. |
| up to 48 months | 3.99% | Rate includes a 0.25% deduction for automatic payments. Actual rate may vary based on credit score and other factors. |
| up to 60 months | 3.99% | Rate includes a 0.25% deduction for automatic payments. Actual rate may vary based on credit score and other factors. |
| up to 72 months | 3.99% | Optional 3-year balloon available on 72-month term. Rate includes a 0.25% deduction for automatic payments. Actual rate may vary based on credit score and other factors. |
| up to 84 months | 3.99% | Optional 3-year balloon available on 84-month term. Rate includes a 0.25% deduction for automatic payments. Actual rate may vary based on credit score and other factors. |
Who can join Oakdale CU
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.