Credit union · NCUA insured
OceanAir Federal Credit Union Auto Loan Rates
OceanAir Federal Credit Union auto loans start at 5.49% APR for a new vehicle and 6.49% for a used one. Rates checked October 16, 2026.
How OceanAir Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Oxnard, CA, where OceanAir Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
OceanAir Federal Credit Union
5.49%APR
- Terms
- 49–60 months
- Discount
- Included in the rate
New & Used Auto/Truck/Van (Model year 2026 to 2021)
Lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
- Discount
- None included
2nd-lowest rate
BCU
4.34%APR
- Terms
- 37–75 months
- Discount
- None included
OceanAir Federal Credit Union auto loan score
64
Auto loan score
Higher than 12% of U.S. banks and credit unions
- New vehicleNew5.49%
- Used vehicleUsed6.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where OceanAir 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 & Used Auto/Truck/Van (Model year 2026 to 2021)
Rates as low as include a 0.50% discount for automatic loan payments from OceanAir Epic Premium Checking and a 0.25% discount for vehicle insurance through Members of OceanAir Insurance. Rates and terms available on purchase, lease buyout, or refinance. No salvage title vehicles. Note: footnote states offer applies to 2019 or newer vehicle models while opening text mentions 2021 or newer.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.24% | Rate as low as includes 0.50% discount for automatic loan payments from Epic Premium Checking and 0.25% vehicle insurance discount. |
| 37–48 months | 5.24% | Rate as low as includes 0.50% discount for automatic loan payments from Epic Premium Checking and 0.25% vehicle insurance discount. |
| 49–60 months | 5.49% | Rate as low as includes 0.50% discount for automatic loan payments from Epic Premium Checking and 0.25% vehicle insurance discount. |
| 61–72 months | 5.99% | Rate as low as includes 0.50% discount for automatic loan payments from Epic Premium Checking and 0.25% vehicle insurance discount. |
| 73–84 months | 6.24% | Rate as low as includes 0.50% discount for automatic loan payments from Epic Premium Checking and 0.25% vehicle insurance discount. |
Sources (1)
- oceanair.org/product/auto-loan · captured Oct 16, 2026
Older Auto/Truck/Van (Model year 2018 and older)
Rates vary with amount financed, term, and credit history. Rates and terms available on purchase, lease buyout, or refinance. No salvage title vehicles.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 6.49% | — |
| 37–48 months | 6.49% | — |
| 49–60 months | 6.74% | — |
Sources (1)
- oceanair.org/product/auto-loan · captured Sep 16, 2026
Used Auto/Truck/Van (Model year 2020 to 2019)
Rates as low as include a 0.50% discount for automatic loan payments from OceanAir Epic Premium Checking and a 0.25% discount for vehicle insurance through Members of OceanAir Insurance. Rates and terms available on purchase, lease buyout, or refinance. No salvage title vehicles.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 6.24% | Rate as low as includes 0.50% discount for automatic loan payments from Epic Premium Checking and 0.25% vehicle insurance discount. |
| 37–48 months | 6.24% | Rate as low as includes 0.50% discount for automatic loan payments from Epic Premium Checking and 0.25% vehicle insurance discount. |
| 49–60 months | 6.49% | Rate as low as includes 0.50% discount for automatic loan payments from Epic Premium Checking and 0.25% vehicle insurance discount. |
| 61–72 months | 6.99% | Rate as low as includes 0.50% discount for automatic loan payments from Epic Premium Checking and 0.25% vehicle insurance discount. |
Sources (1)
- oceanair.org/product/auto-loan · captured Oct 16, 2026
Who can join OceanAir Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees or members of up to 19 Select Employee Groups qualify for membership.
Military, government and schools
- Civilian employees at CBC and active-duty military personnel qualify for membership.
Other ways
- Individuals nationwide can join through an association created by the credit union.
Membership information collected October 5, 2026.