Credit union · NCUA insured
OC Federal Credit Union Auto Loan Rates
OC Federal Credit Union auto loans start at 5.83% APR for a new vehicle and 5.83% for a used one. Rates checked October 16, 2026.
How OC Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Cleveland, OH, where OC Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
OC Federal Credit Union
5.83%APR
- Terms
- up to 72 months
- Up to
- —
Automobile Rates
Lowest rate
Steel Valley Federal Credit Union
3.99%APR
- Terms
- —
- Up to
- 10.99% APR
2nd-lowest rate
Lakeview Federal Credit Union
3.99%APR
- Terms
- up to 60 months
- Up to
- —
OC Federal Credit Union auto loan score
68
Auto loan score
Higher than 21% of U.S. banks and credit unions
- New vehicleNew5.83%
- Used vehicleUsed5.83%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where OC 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.
Automobile Rates
Max LTV 105% without ancillary products (GAP, Warranty, CL, AH), and lower than 85,000 miles. Maximum loan amount $125,000; maximum mileage 125,000 miles. Applies to vehicles 2022 or newer; classic or antique vehicles may require appraisal. No salvage titles or commercial vehicles. Loan will include a $245 documentation fee. Representative terms based on a 72-month term loan with credit score of 760 and above. Requires membership eligibility.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 5.83% | — |
| up to 66 months | 6.11% | — |
| up to 60 months | 7.43% | — |
| up to 48 months | 8.76% | — |
Sources (1)
- ocfederal.com/links/consumer-loan-rates · captured Oct 6, 2026
Motorcycles
Representative credit terms made available to applicants for a 60-month term loan with a credit score of 760 and above. Loan will include a $245 documentation fee. All offers subject to creditworthiness, OC Federal Credit Union lending policies, and membership eligibility.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 8.95% | Representative example based on a new 5-year fixed-rate motorcycle loan of $15,000 with credit score of 760 and above. |
| up to 60 months | 9.95% | — |
Sources (1)
- ocfederal.com/links/consumer-loan-rates · captured Oct 6, 2026
Who can join OC Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Joining the Ohio Catholic Foundation makes you eligible for membership if your primary residence is in the state of Ohio.
Military, government and schools
- Any member, employee, and student of a Catholic Diocese in the state of Ohio (including its parishes, schools, services, ministries, organizations, or entities) whose primary residence is in Ohio is eligible.
Family and household
- Immediate family or household members of an eligible OC Federal member who have their primary residence in Ohio are eligible.
Cost to join
- Membership requires a $5 minimum opening deposit to a Share Savings account.
Membership information collected October 5, 2026.