Credit union · NCUA insured
Old Ocean Federal Credit Union Auto Loan Rates
Top CarrotOld Ocean Federal Credit Union auto loans start at 4.25% APR for a new vehicle and 4.25% for a used one. Rates checked October 16, 2026.
How Old Ocean Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Houston, TX, where Old Ocean Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Old Ocean Federal Credit Union
4.25%APR
- Terms
- up to 72 months
- Up to
- —
- Discount
- None included
New and Used Auto Loans
Lowest rate
Lubrizol Employees' Credit Union
3.24%APR
- Terms
- 24–60 months
- Up to
- 14.49% APR
- Discount
- Included in the rate
2nd-lowest rate
CommonCents CU
3.50%APR
- Terms
- —
- Up to
- —
- Discount
- None included
Old Ocean Federal Credit Union auto loan score
92
Auto loan score
Higher than 93% of U.S. banks and credit unions
- New vehicleNew4.25%
- Used vehicleUsed4.25%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Old Ocean 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 and Used Auto Loans
Available to members throughout Brazoria County, Texas. Offers up to 100% financing for qualified buyers and financing terms up to 72 months for new and used vehicles.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 4.25% | As low as 4.25%. Up to 72 months financing, 100% financing for qualified buyers. |
Who can join Old Ocean Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is available to Texas residents who live, work, or worship in Brazoria County.
Membership information collected October 5, 2026.