Credit union · NCUA insured
One Source Federal Credit Union Auto Loan Rates
One Source Federal Credit Union auto loans start at 5.09% APR for a new vehicle and 5.09% for a used one. Rates checked October 16, 2026.
How One Source Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near El Paso, TX, where One Source Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
One Source Federal Credit Union
5.09%APR
- Terms
- 49–72 months
- Up to
- 17.99% APR
New and Used Autos
Lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
- Up to
- —
2nd-lowest rate
evolve Federal Credit Union
4.74%APR
- Terms
- 48–72 months
- Up to
- —
One Source Federal Credit Union auto loan score
81
Auto loan score
Higher than 56% of U.S. banks and credit unions
- New vehicleNew5.09%
- Used vehicleUsed5.09%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where One Source 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 Autos
Must be an OSFCU member. Offer based on approved credit. Annual Percentage Rate determined by evaluation of credit score and term. All loans quoted at 80% Loan to Value; up to 100% financing available for qualifying members. Qualifying collateral must be listed in current NADA value guide. Optional 90 days no payment available depending on credit score (interest continues to accrue). Additional 0.25% discount and 6 months term extension available when selecting Credit Life and/or Credit Disability; additional 0.25% discount and 6 months term extension available when selecting both GAP Advantage and Major Mechanical Protection (MMP).
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.59%–17.99% | Term up to 48 months. Quoted at 80% Loan to Value. |
| 49–72 months | 5.09%–17.99% | Term 49 - 72 months. Quoted at 80% Loan to Value. |
| 73–78 months | 5.29%–17.99% | Term 73 - 78 months. Minimum financed amount = $20,000. Quoted at 80% Loan to Value. |
| 79–84 months | 5.49%–17.99% | Term 79 - 84 months. Minimum financed amount = $30,000. Quoted at 80% Loan to Value. |
New and Used Motorcycle
Must be an OSFCU member. Offer based on approved credit. Annual Percentage Rate determined by evaluation of credit and term. Actual rate may vary. Final annual percentage rate determined by One Source FCU Lending Policy. Up to 100% financing available for qualifying members. Qualifying collateral must be listed in current NADA value guide. All rates quoted are with approved credit.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 7.59%–13.04% | Up to 48 Months. |
| 49–60 months | 8.59%–14.04% | 49 - 60 Months. |
Sources (1)
- onesourcefcu.org/rates/loan-rates · captured Oct 6, 2026
Who can join One Source Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.