Credit union · NCUA insured
OE Federal Credit Union Auto Loan Rates
OE Federal Credit Union auto loans start at 5.49% APR for a new vehicle and 5.74% for a used one. Rates checked October 16, 2026.
How OE Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near San Francisco, CA, where OE Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
OE Federal Credit Union
5.49%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- None included
New Vehicles
Lowest rate
Utility District Credit Union
3.50%APR
- Terms
- up to 60 months
- Up to
- 13.00% APR
- Discount
- None included
2nd-lowest rate
F3 Credit Union
3.74%APR
- Terms
- up to 72 months
- Up to
- —
- Discount
- Included in the rate
OE Federal Credit Union auto loan score
70
Auto loan score
Higher than 27% of U.S. banks and credit unions
- New vehicleNew5.49%
- Used vehicleUsed5.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where OE 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 Vehicles
For current or prior calendar year vehicles with less than 7,500 miles. Maximum financing up to 100% or up to 125% (for well-qualified borrowers) of dealer MSRP (or invoice if MSRP is not available), not to exceed documented purchase price. Rates and terms dependent on creditworthiness.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.24% | Minimum loan amount $7,500. Rates and terms dependent on creditworthiness. |
| up to 60 months | 5.49% | Minimum loan amount $15,000. Rates and terms dependent on creditworthiness. |
| up to 72 months | 5.74% | Minimum loan amount $15,000. Rates and terms dependent on creditworthiness. |
| up to 84 months | 5.99% | Minimum loan amount $25,000. Rates and terms dependent on creditworthiness. |
Older/Used Vehicles
For vehicles 15 model years or older (maximum mileage of 250,000 miles, 350,000 miles on Diesel). Available for purchase only; no cash out loans. Maximum financing up to 80% of dealer MSRP (or invoice if MSRP is not available), not to exceed documented purchase price. Rates and terms dependent on creditworthiness.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 6.49% | Minimum loan amount $7,500. Term available for tiers 1 and 2 only. Rates and terms dependent on creditworthiness. |
| up to 60 months | 6.99% | Minimum loan amount $7,500. Term available for tiers 1 and 2 only. Rates and terms dependent on creditworthiness. |
Sources (1)
- oefederal.org/borrow/vehicles/auto-loans · captured Oct 16, 2026
Used Vehicles
For vehicles 14 model years or newer only (60-month term maximum for vehicles with 200,000 miles or more). Maximum financing up to 100% or up to 125% (for well-qualified borrowers) of dealer MSRP (or invoice if MSRP is not available), not to exceed documented purchase price. Rates and terms dependent on creditworthiness.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.49% | Minimum loan amount $7,500. Rates and terms dependent on creditworthiness. |
| up to 60 months | 5.74% | Minimum loan amount $15,000. Rates and terms dependent on creditworthiness. |
| up to 72 months | 5.99% | Minimum loan amount $15,000. Rates and terms dependent on creditworthiness. |
| up to 84 months | 6.24% | Minimum loan amount $25,000. Rates and terms dependent on creditworthiness. |
Sources (1)
- oefederal.org/borrow/vehicles/auto-loans · captured Oct 16, 2026
Who can join OE Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.