Credit union · Privately insured
OHecu Auto Loan Rates
OHecu auto loans start at 5.18% APR for a new vehicle and 5.35% for a used one. Rates checked October 16, 2026.
How OHecu’s auto loan rates compare
Compared with banks and credit unions near Cleveland, OH, where OHecu has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
OHecu
5.18%APR
- Terms
- up to 72 months
- Up to
- —
- Discount
- Included in the rate
New Autos
Lowest rate
Steel Valley Federal Credit Union
3.99%APR
- Terms
- —
- Up to
- 10.99% APR
- Discount
- None included
2nd-lowest rate
Lakeview Federal Credit Union
3.99%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- None included
OHecu auto loan score
76
Auto loan score
Higher than 41% of U.S. banks and credit unions
- New vehicleNew5.18%
- Used vehicleUsed5.35%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where OHecu 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.
College Graduate Auto Program
Designed for recent college graduates who are employable but do not yet have a job. Subject to OHecu underwriting guidelines. Requires proof of graduation from an accredited college or letter confirming graduation due within three months of loan closing, and a current pay stub or Offer of Employment letter stating income and start date due within 60 days of loan closing. The best annual percentage rate is available only to OHecu members with Tier A+ credit, with automated payment from an OHecu account. If automated payment is terminated voluntarily or due to account abuse, the interest rate increases by 0.25% for the remainder of the loan term. Automobiles titled less than 12 months and having less than 15,000 miles are eligible for New Auto Loan Rates.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 6.31% | New Auto - 2025 & Newer (automobiles titled less than 12 months and having less than 15,000 miles are eligible for New Auto Loan Rates). Requires Tier A+ credit and automated payment from an OHecu account. |
| up to 60 months | 6.51% | Used Auto - 2021-2023. Requires Tier A+ credit and automated payment from an OHecu account. |
| up to 48 months | 6.75% | Used Auto - 2019-2020. Requires Tier A+ credit and automated payment from an OHecu account. |
| up to 48 months | 7.95% | Used Auto - 2017-2018. Requires Tier A+ credit and automated payment from an OHecu account. |
| up to 48 months | 9.15% | Used Auto - 2016 & Older. Requires Tier A+ credit and automated payment from an OHecu account. |
New Autos
Available to OHecu members with Tier A+ credit and automated payment from an OHecu account. If automated payment is terminated voluntarily or due to account abuse, the interest rate increases by 0.25% for the remainder of the loan term. Automobiles titled less than 12 months and having less than 15,000 miles are eligible for New Auto Loan Rates.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 5.18% | Model year 2025 & newer. Requires Tier A+ credit and automated payment from an OHecu account. |
| 73–84 months | 6.16% | Model year 2025 & newer. Requires Tier A+ credit and automated payment from an OHecu account. |
Used Autos
Available to OHecu members with Tier A+ credit (or Tier A for certain extended terms) and automated payment from an OHecu account. If automated payment is terminated voluntarily or due to account abuse, the interest rate increases by 0.25% for the remainder of the loan term.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 5.21% | Model year 2024 & newer. Requires Tier A+ credit and automated payment from an OHecu account. |
| 73–84 months | 6.19% | Model year 2024 & newer. Requires Tier A+ credit and automated payment from an OHecu account. |
| up to 60 months | 5.36% | Model year 2021-2023. Requires Tier A+ credit and automated payment from an OHecu account. |
| up to 72 months | 5.35% | Model year 2021-2023. Maximum loan term up to 72 months is available to members with Tier A+ or A credit and automated payment from an OHecu account. |
| up to 48 months | 5.75% | Model year 2019-2020. Requires Tier A+ credit and automated payment from an OHecu account. |
| up to 60 months | 5.70% | Model year 2019-2020. Maximum loan term up to 60 months is available to members with Tier A+ or A credit and automated payment from an OHecu account. |
| up to 48 months | 6.94% | Model year 2017-2018. Requires Tier A+ credit and automated payment from an OHecu account. |
| up to 48 months | 8.14% | Model year 2016 & older. Requires Tier A+ credit and automated payment from an OHecu account. |
Sources (1)
- ohecu.com/loan-rates · captured Oct 16, 2026
Who can join OHecu
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of businesses partnered with OHecu through the Select Employer Group (SEG) program are eligible for membership.
Military, government and schools
- Employees and retirees of educational institutions in Ohio are eligible for membership.
- Individuals of organizations in Ohio that incorporate schools or educational programs in their general operations are eligible for membership.
- Students and alumni of educational institutions in Ohio are eligible for membership.
- Individuals in Ohio offering educational services or activities, such as tutors, are eligible for membership.
Family and household
- Relatives of existing members (including spouse, child, sibling, parent, grandparent, or grandchild) are eligible for membership.
Membership information collected October 5, 2026.