Credit union · NCUA insured
Oklahoma's Credit Union Auto Loan Rates
Top CarrotOklahoma's Credit Union auto loans start at 4.24% APR for a new vehicle and 4.24% for a used one. Rates checked October 15, 2026.
How Oklahoma's Credit Union’s auto loan rates compare
Compared with banks and credit unions near Oklahoma City, OK, where Oklahoma's Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Oklahoma's Credit Union
4.24%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Auto Loans
Lowest rate
Credit Union One of Oklahoma
4.24%APR
- Terms
- 49–60 months
- Discount
- None included
3rd-lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
- Discount
- None included
Oklahoma's Credit Union auto loan score
89
Auto loan score
Higher than 89% of U.S. banks and credit unions
- New vehicleNew4.24%
- Used vehicleUsed4.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Oklahoma's 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 Loans
Vantage Score of 740+. Requires automatic payments and OKCU checking account with monthly direct deposit of at least $2,000. Rates subject to change. Normal lending policies apply.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.74% | Vantage Score of 740+. Requires automatic payments and OKCU checking account with monthly direct deposit of at least $2,000. Estimated payment $29.41 per $1,000 borrowed for 36 months. |
| up to 60 months | 4.24% | Vantage Score of 740+. Requires automatic payments and OKCU checking account with monthly direct deposit of at least $2,000. Estimated payment $18.53 per $1,000 borrowed for 60 months. |
| up to 75 months | 4.99% | Vantage Score of 740+. Requires automatic payments and OKCU checking account with monthly direct deposit of at least $2,000. Estimated payment $15.55 per $1,000 borrowed for 75 months. |
| up to 84 months | 5.24% | Vantage Score of 740+. Requires automatic payments and OKCU checking account with monthly direct deposit of at least $2,000. Estimated payment $14.25 per $1,000 borrowed for 84 months. |
| up to 36 months | 3.74% | 740+ Vantage Score. Requires automatic payments and OKCU checking account with monthly direct deposit of at least $2,000. Limited time offer. Normal lending policies apply. Excludes existing OKCU loans. Estimated payment $29.41 per $1,000 borrowed for 36 months. Borrower may defer initial auto loan payment up to 90 days; interest will accrue from date of advance. |
Who can join Oklahoma's Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals qualify for membership if they live, work, worship, attend school in, or do business in an OKC metro or Tulsa metro qualifying area.
Employers and groups
- Employees of OKCU's partner organizations and employee partner groups qualify for membership.
Family and household
- Individuals qualify for membership if they are a spouse, domestic partner, child, sibling, parent, grandparent, or grandchild of someone who is eligible to be an OKCU member.
Other ways
- Residents of Oklahoma can qualify for membership by joining the Oklahoma Historical Society, with OKCU paying the one-time membership fee.
Membership information collected October 4, 2026.