Credit union · NCUA insured
OneNebraska Federal Credit Union Auto Loan Rates
OneNebraska Federal Credit Union auto loans start at 4.80% APR for a new vehicle and 5.70% for a used one. Rates checked October 22, 2026.
How OneNebraska Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Columbus, NE, where OneNebraska Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
OneNebraska Federal Credit Union
4.80%APR
- Terms
- up to 60 months
New Auto Loan
Lowest rate
Nebraska Energy Federal Credit Union
4.75%APR
- Terms
- —
OneNebraska Federal Credit Union auto loan score
82
Auto loan score
Higher than 57% of U.S. banks and credit unions
- New vehicleNew4.80%
- Used vehicleUsed5.70%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where OneNebraska 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 Auto Loan
Financing based on 100% Loan to value or less. Rates vary based on credit qualifications, credit rating, age, mileage, or make and model of vehicles. Loan discounts may apply for having an existing loan, existing checking account and/or e-Statements.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.50% | Rates stated as low as, based on best credit score in rate tier. Monthly payment per $1000 borrowed: $29.75. |
| up to 60 months | 4.80% | Rates stated as low as, based on best credit score in rate tier. Monthly payment per $1000 borrowed: $18.78. |
| up to 72 months | 5.20% | Rates stated as low as, based on best credit score in rate tier. Monthly payment per $1000 borrowed: $16.20. |
| up to 84 months | 5.55% | Rates stated as low as, based on best credit score in rate tier. Monthly payment per $1000 borrowed: $14.39. |
Sources (2)
All captured Oct 7, 2026
Older Used Auto Loan (2018 and older)
Applies to model years 2018 and older. Financing based on 100% Loan to value or less. Rates vary based on credit qualifications, credit rating, age, mileage, or make and model of vehicles. Loan discounts may apply for having an existing loan, existing checking account and/or e-Statements.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 8.45% | Rates listed as low as, based on best credit score in rate tier. Monthly payment per $1000 borrowed: $24.62. |
| up to 60 months | 8.95% | Rates listed as low as, based on best credit score in rate tier. Monthly payment per $1000 borrowed: $20.73. |
Sources (2)
All captured Oct 7, 2026
Used Auto Loan (2022-2019)
Applies to model years 2022-2019. Financing based on 100% Loan to value or less. Rates vary based on credit qualifications, credit rating, age, mileage, or make and model of vehicles. Loan discounts may apply for having an existing loan, existing checking account and/or e-Statements.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 6.65% | Rates stated as low as, based on best credit score in rate tier. Monthly payment per $1000 borrowed: $14.92. |
| up to 60 months | 7.20% | Rates stated as low as, based on best credit score in rate tier. Monthly payment per $1000 borrowed: $19.90. |
| up to 72 months | 7.30% | Rates stated as low as, based on best credit score in rate tier. Monthly payment per $1000 borrowed: $17.19. |
Sources (2)
All captured Oct 7, 2026
Used Auto Loan (2025-2023)
Applies to model years 2025-2023. Financing based on 100% Loan to value or less. Rates vary based on credit qualifications, credit rating, age, mileage, or make and model of vehicles. Loan discounts may apply for having an existing loan, existing checking account and/or e-Statements.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.45% | Rates stated as low as, based on best credit score in rate tier. Monthly payment per $1000 borrowed: $30.17. |
| up to 60 months | 5.70% | Rates stated as low as, based on best credit score in rate tier. Monthly payment per $1000 borrowed: $19.19. |
| up to 84 months | 6.20% | Rates stated as low as, based on best credit score in rate tier. Monthly payment per $1000 borrowed: $14.70. |
Sources (2)
All captured Oct 7, 2026
Who can join OneNebraska Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.