Credit union · NCUA insured
Omaha Federal Credit Union Auto Loan Rates
Omaha Federal Credit Union auto loans start at 4.99% APR for a new vehicle and 5.99% for a used one. Rates checked October 22, 2026.
How Omaha Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Omaha, NE-IA, where Omaha Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Omaha Federal Credit Union
4.99%APR
- Terms
- up to 60 months
New Auto – 2024 – 2026 Model Yrs
Lowest rate
Kellogg Credit Union
3.24%APR
- Terms
- up to 60 months
2nd-lowest rate
PenFed Credit Union
3.84%APR
- Terms
- up to 60 months
Omaha Federal Credit Union auto loan score
78
Auto loan score
Higher than 47% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed5.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Omaha 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 & Used Motorcycle Loan
Omaha FCU will finance up to 100% of the purchase price (tax and license excluded) of a new motorcycle, or 100% of current NADA Used Motorcycle Guide for a used motorcycle. Maximum term up to 72 months (new) or 84 months (used). A 1/4% discount for payroll direct deposit and automatic repayment may be available. No penalty for early payoff.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 6.24% | Starting at 6.24% APR. Maximum term 72 Months for New Motorcycle (2024 and Newer) – New and Used. A 1/4% discount for payroll direct deposit and automatic repayment may be available. |
| up to 84 months | 6.99% | Starting at 6.99% APR. Maximum term 84 Months for Used Motorcycle (2023 & Older). A 1/4% discount for payroll direct deposit and automatic repayment may be available. |
New Auto – 2024 – 2026 Model Yrs
Omaha FCU will finance up to 100% of the cost of a new car, truck or van (excluding tax and license; loan page notes may finance up to 110%). Rates starting at stated APRs; actual rates vary by creditworthiness, loan term and security. A 1/4% discount for payroll direct deposit and automatic repayment may be available (not eligible on indirect loans). No penalty for early payoff.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.49% | Starting at 4.49% APR for 36 Months term on 2024 – 2026 Model Yrs. Rates vary by creditworthiness, loan term, and security. A 1/4% discount for payroll direct deposit and automatic repayment may be available. |
| up to 48 months | 4.74% | Starting at 4.74% APR for 48 Months term on 2024 – 2026 Model Yrs. Rates vary by creditworthiness, loan term, and security. A 1/4% discount for payroll direct deposit and automatic repayment may be available. |
| up to 60 months | 4.99% | Starting at 4.99% APR for 60 Months term on 2024 – 2026 Model Yrs. Rates vary by creditworthiness, loan term, and security. A 1/4% discount for payroll direct deposit and automatic repayment may be available. |
| up to 72 months | 5.49% | Starting at 5.49% APR for 72 Months term on 2024 – 2026 Model Yrs. Rates vary by creditworthiness, loan term, and security. A 1/4% discount for payroll direct deposit and automatic repayment may be available. |
| up to 84 months | 5.99% | Starting at 5.99% APR for 84 Months term on 2024 – 2026 Model Yrs. Rates vary by creditworthiness, loan term, and security. A 1/4% discount for payroll direct deposit and automatic repayment may be available. |
Used Auto
Omaha FCU will finance up to 100% of current NADA value (excluding tax and license; loan page notes up to 110%). Rates starting at stated APRs; actual rates vary by creditworthiness, loan term and security. Terms up to 72 months available. A 1/4% discount for payroll direct deposit and automatic repayment may be available (not eligible on indirect loans). No penalty for early payoff.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.74% | Starting at 5.74% APR for terms < 48 Months. Rates vary by creditworthiness, loan term, and security. A 1/4% discount for payroll direct deposit and automatic repayment may be available. |
| up to 60 months | 5.99% | Starting at 5.99% APR for 60 Months term. Rates vary by creditworthiness, loan term, and security. A 1/4% discount for payroll direct deposit and automatic repayment may be available. |
| up to 72 months | 6.49% | Starting at 6.49% APR for 72 Months term. Rates vary by creditworthiness, loan term, and security. A 1/4% discount for payroll direct deposit and automatic repayment may be available. |
Who can join Omaha 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 open to anyone living, working, worshipping, or attending school in Douglas, Sarpy, or Washington counties in Nebraska, or Pottawattamie or Harrison counties in Iowa.
Cost to join
- Opening an account requires an initial deposit of as little as $5.00.
Membership information collected October 4, 2026.