Credit union · NCUA insured
OAS Federal Credit Union Auto Loan Rates
OAS Federal Credit Union auto loans start at 5.00% APR for a new vehicle and 5.50% for a used one. Rates checked October 22, 2026.
How OAS Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where OAS Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
OAS Federal Credit Union
5.00%APR
- Terms
- up to 60 months
- Up to
- 15.00% APR
New Vehicle Loan (Variable Rate)
Lowest rate
TruEnergy Federal Credit Union
3.74%APR
- Terms
- up to 60 months
- Up to
- —
2nd-lowest rate
PenFed Credit Union
3.84%APR
- Terms
- up to 60 months
- Up to
- —
OAS Federal Credit Union auto loan score
77
Auto loan score
Higher than 43% of U.S. banks and credit unions
- New vehicleNew5.00%
- Used vehicleUsed5.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where OAS 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.
New Vehicle Loan (Variable Rate)
Variable rate based on the Wall Street Journal Prime Rate plus a margin. Finance up to 125% of MSRP retail value. Collateral: New vehicles from current, immediate past, or future model years (never titled before). OAS FCU membership required.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.00%–15.00% | Loan Amount: Any, when approved |
| 72–84 months | 5.50%–16.00% | Loan Amount: Any, when approved |
| 96–108 months | 7.00%–8.00% | Loan Amount: Over $50,000 |
New and Used Vehicles (Fixed Rate)
Fixed interest rate loan special available for purchase of new and used vehicles up to 3 years old. OAS FCU membership required. No application fees or prepayment penalties.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.99%–15.99% | New & Used (3 Years Old - or newer) |
| up to 60 months | 5.74%–15.74% | New & Used (3 Years Old - or newer) Hybrid/Electric cars only |
Sources (1)
- oasfcu.org/discover/rates-fees · captured Oct 7, 2026
Used Vehicle Loan (Variable Rate)
Variable rate based on the Wall Street Journal Prime Rate plus a margin. Finance up to 125% of NADA retail value. Collateral: Used vehicles up to 10 model years old. OAS FCU membership required.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.50%–15.50% | Loan Amount: Any, if approved |
| 72–84 months | 6.00%–16.50% | Loan Amount: Over $35,000 |
Who can join OAS Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.