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Credit union · NCUA insured

Ocean Financial Federal Credit Union Auto Loan Rates

Top Carrot, Carrot Score 88Top Carrot

Ocean Financial Federal Credit Union auto loans start at 4.99% APR for a new vehicle and 5.84% for a used one. Rates checked October 16, 2026.

How Ocean Financial Federal Credit Union’s auto loan rates compare

Compared with banks and credit unions near New York, NY-NJ, where Ocean Financial Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.

  • Top Carrot, Carrot Score 88

    This credit union’s lowest

    Ocean Financial Federal Credit Union

    4.99%APR

    Terms
    up to 66 months
    Discount
    None included

    Auto Loans (2026-2027)

  • Lowest rate

    Westchester Schools FCU

    2.90%APR

    Terms
    up to 72 months
    Discount
    None included

    Westchester Schools FCU rates

  • 2nd-lowest rate

    PSFCU

    3.50%APR

    Terms
    up to 60 months
    Discount
    Included in the rate

    PSFCU rates

Compare auto loan rates near you →

Ocean Financial Federal Credit Union auto loan score

78

Auto loan score

Higher than 47% of U.S. banks and credit unions

By vehicle
  • New vehicleNew4.99%
  • Used vehicleUsed5.84%

Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.

How the score works →

Where Ocean Financial 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.

Who can join Ocean Financial Federal Credit Union

This may be incomplete or out of date, so check with the credit union before you apply.

Employers and groups

  • Employees of Catholic Cemeteries of Long Island, as well as volunteers and their families, are eligible for membership.
  • Employees of Catholic Charities of the Diocese of Rockville Centre, as well as volunteers and their families, are eligible for membership.
  • Employees of Catholic Faith Network who work in, or are paid or supervised from Uniondale, NY, as well as volunteers and their families, are eligible for membership.
  • Employees of Catholic Health who work in, or are paid or supervised from Rockville Centre, NY, as well as volunteers and their families, are eligible for membership.
  • Employees of the Catholic Medical Mission Board in New York, NY, as well as volunteers and their families, are eligible for membership.
  • Employees of Catholic Youth Organization of Long Island (CYO-LI) who work in, or are paid or supervised from Hicksville, NY, as well as volunteers and their families, are eligible for membership.
16 more ways to join

Employers and groups

  • Employees, volunteers, and participants of Diocesan Information Systems Conference, as well as their families, are eligible for membership.
  • Parishioners and employees of the Diocese of Rockville Centre (all parishes within the DRVC across Nassau & Suffolk Counties), as well as volunteers and their families, are eligible for membership.
  • Members of Friends of Catholic Education Association, as well as their families, are eligible for membership.
  • Brothers and Members of the Ladies Auxiliary at any Knights of Columbus council in New York State, as well as their families, are eligible for membership.
  • Parishioners and employees of Our Lady Queen of Peace in Staten Island, NY, as well as volunteers and their families, are eligible for membership.
  • Employees and members of Sacred Heart Church in Island Park, NY, as well as volunteers and their families, are eligible for membership.
  • Employees and the Board of Directors of Westco Financial Group who work in or are paid or supervised from Lynbrook, NY, as well as volunteers and their families, are eligible for membership.

Military, government and schools

  • Students and employees of Bishop Ford High School in Brooklyn, NY, as well as volunteers and their families, are eligible for membership.
  • Students and employees of Christ the King Regional High School in Middle Village, NY, as well as volunteers and their families, are eligible for membership.
  • Employees and members of Maria Regina School and Parish Office in Seaford, NY, as well as volunteers and their families, are eligible for membership.
  • Employees of and students attending Molloy University in Rockville Centre, NY, as well as volunteers and their families, are eligible for membership.
  • Students and employees of Nazareth High School in Brooklyn, NY, as well as volunteers and their families, are eligible for membership.
  • Employees and members of St. Christopher School and Parish Office in Baldwin, NY, as well as volunteers and their families, are eligible for membership.
  • Students and employees of St. Francis Preparatory School in Flushing, NY, as well as volunteers and their families, are eligible for membership.
  • Students and employees of Xaverian High School in Brooklyn, NY, as well as volunteers and their families, are eligible for membership.

Family and household

  • Families of employees and volunteers of eligible affiliated organizations are eligible for membership.

Membership information collected October 5, 2026.

Check membership requirements ↗Branches and institution details
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