Credit union · NCUA insured
Okaloosa County Teachers FCU Auto Loan Rates
Okaloosa County Teachers FCU auto loans start at 4.74% APR for a new vehicle and 4.74% for a used one. Rates checked October 15, 2026.
How Okaloosa County Teachers FCU’s auto loan rates compare
Compared with banks and credit unions near Crestview, FL, where Okaloosa County Teachers FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Okaloosa County Teachers FCU
4.74%APR
- Terms
- up to 84 months
Vehicle Loans
Lowest rate
PenFed Credit Union
3.84%APR
- Terms
- up to 60 months
2nd-lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
Okaloosa County Teachers FCU auto loan score
87
Auto loan score
Higher than 80% of U.S. banks and credit unions
- New vehicleNew4.74%
- Used vehicleUsed4.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Okaloosa County Teachers FCU 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.
Vehicle Loans
Rate based on creditworthiness and term of loan. Financing up to 120% LTV, terms up to 84 months. New or pre-owned vehicles. Guaranteed Asset Protection (GAP Insurance) and Mechanical Repair Coverage (MRC Warranty) available.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.74% | Rate based on creditworthiness and term of loan. Financing up to 120% LTV. |
Who can join Okaloosa County Teachers FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, work, worship, or attend school in, and businesses and other legal entities located in Okaloosa County, Florida, are eligible for membership.
- Persons who live, work, worship, or attend school in, and businesses and other legal entities located in the prescribed underserved community bounded by Hollywood Blvd, Jonquil Ave, Sullivan St, and Wright Pkwy in Ft. Walton Beach, FL, are eligible for membership.
- Persons who live, work, worship, or attend school in, and businesses and other legal entities located in the prescribed underserved community in Ft. Walton Beach, Florida defined from Hollywood Blvd and Elm Ave SE to Santa Rosa Sound shoreline, St. Mary Ave, Coral Dr, and Robinwood Dr, are eligible for membership.
Employers and groups
- Employees of the credit union, volunteers in the community, and organizations of such persons are eligible for membership.
Family and household
- Members of the immediate family or household of eligible persons, spouses of persons who died while within the field of membership, and organizations of such persons are eligible for membership.
Other ways
- Members of record of Okaloosa County Teachers Federal Credit Union as of September 8, 2005, are eligible for membership.
Membership information collected October 5, 2026.