Credit union · NCUA insured
Oklahoma Central Credit Union Auto Loan Rates
Oklahoma Central Credit Union auto loans start at 4.99% APR for a new vehicle and 4.99% for a used one. Rates checked October 15, 2026.
How Oklahoma Central Credit Union’s auto loan rates compare
Compared with banks and credit unions near Tulsa, OK, where Oklahoma Central Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Oklahoma Central Credit Union
4.99%APR
- Terms
- —
- Up to
- —
- Discount
- None included
Auto Loans
Lowest rate
American Airlines Federal Credit Union
4.09%APR
- Terms
- 37–60 months
- Up to
- 13.14% APR
- Discount
- None included
2nd-lowest rate
Oklahoma's Credit Union
4.24%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- Included in the rate
Oklahoma Central Credit Union auto loan score
83
Auto loan score
Higher than 62% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed4.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Oklahoma Central 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.
Auto Loan Refinancing
Refinance auto loan from another lender. Rates quoted as of 10/01/26 and 10/02/26 for 60-month financing. Subject to credit approval. Loan fees apply. Other rates and terms available.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.99% | Vehicle model years 2025-2027. Rate quoted as of 10/02/26 and 60-month financing. Subject to credit approval. Other rates and terms available. |
| — | 5.69% | Vehicle model years 2021-2022. Rate quoted as of 10/01/26 and 60-month financing. Subject to credit approval. Other rates and terms available. |
| — | 7.99% | Vehicle model years 2017-2020. Rate quoted as of 10/01/26 and 60-month financing. Subject to credit approval. Other rates and terms available. |
| — | 9.99% | Vehicle model years 2016 & older. Rate quoted as of 10/01/26 and 60-month financing. Subject to credit approval. Other rates and terms available. |
Sources (1)
- oklahomacentral.creditunion/auto-loans/auto-refinance · captured Oct 5, 2026
Auto Loans
Rates quoted as of 10/01/26 and 10/02/26 for 60-month financing. Rate subject to credit approval. Loan fees apply. Payments and APR vary based on loan amount, terms, and fees. Other rates and terms available.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.99% | Vehicle model years 2025-2027. Rate quoted as of 10/02/26 and 60-month financing. Subject to credit approval. Other rates and terms available. |
| — | 5.69% | Vehicle model years 2021-2022. Rate quoted as of 10/01/26 and 60-month financing. Subject to credit approval. Other rates and terms available. |
| — | 7.99% | Vehicle model years 2017-2020. Rate quoted as of 10/01/26 and 60-month financing. Subject to credit approval. Other rates and terms available. |
| — | 9.99% | Vehicle model years 2016 & older. Rate quoted as of 10/01/26 and 60-month financing. Subject to credit approval. Other rates and terms available. |
Sources (3)
All captured Oct 5, 2026
Who can join Oklahoma Central Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees and retirees of one of OCCU's more than 1,100 partner companies are eligible to join.
Family and household
- Family members of current Oklahoma Central Credit Union members are eligible to join.
Other ways
- Individuals affiliated with another credit union may be eligible to join.
Cost to join
- There is no cost to become a member of Oklahoma Central Credit Union.
Membership information collected October 4, 2026.