Credit union · NCUA insured
Ontario Public Employees FCU Auto Loan Rates
Ontario Public Employees FCU auto loans start at 4.99% APR for a new vehicle and 5.99% for a used one. Rates checked October 16, 2026.
How Ontario Public Employees FCU’s auto loan rates compare
Compared with banks and credit unions near Riverside, CA, where Ontario Public Employees FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Ontario Public Employees FCU
4.99%APR
- Terms
- up to 60 months
Special Loan Rates, New Autos (Credit Score 780 Or Higher)
Lowest rate
Thinkwise Credit Union
3.49%APR
- Terms
- up to 60 months
2nd-lowest rate
Collegedale Credit Union
3.89%APR
- Terms
- —
Ontario Public Employees FCU 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 Ontario Public Employees FCU 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 Automobile Loans
We will finance up to 100% of the purchase price, including tax, license and mechanical breakdown insurance and documentation fees. Purchase order required.
| Terms | APR | Conditions |
|---|---|---|
| 36–60 months | 6.25%–17.50% | 100% Financing of Purchase Price |
| up to 72 months | 6.75%–9.99% | 6 Years - Loans $15,000 or greater; 100% Financing of Purchase Price |
| up to 84 months | 7.25%–9.99% | 7 Years - Loans $30,000 or greater; 100% Financing of Purchase Price |
Special Loan Rates, New Autos (Credit Score 780 Or Higher)
New Vehicles, 100% Financing for borrowers with a FICO score of 780 or higher. No Additional Discounts.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.99% | Credit Score of 780 Or Higher; New Vehicles, 100% Financing for borrowers with a FICO score of 780 or higher; Maximum Term 5 Years; No Additional Discounts |
| up to 72 months | 5.49% | Credit Score of 780 Or Higher; New Vehicles, 100% Financing for borrowers with a FICO score of 780 or higher; Maximum Term 6 Years; No Additional Discounts |
| up to 84 months | 6.49% | Credit Score of 780 Or Higher; New Vehicles, 100% Financing for borrowers with a FICO score of 780 or higher; Maximum Term 7 Years; No Additional Discounts |
Sources (1)
- opefcu.org/rates.php · captured Oct 16, 2026
Special Loan Rates, Used Autos (Credit Score 780 Or Higher)
Used vehicles 5 years old or less, 100% of Kelley BlueBook High Value for 5 Years Old or Less. Credit Score 780 Or Higher. No Additional Discounts.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.99% | Credit Score 780 Or Higher; Maximum Term 5 Years; Used Vehicles, 100% of Kelley BlueBook High Value for 5 Years Old or Less; No Additional Discounts |
| up to 72 months | 6.49% | Credit Score 780 Or Higher; Maximum Term 6 Years; Used Vehicles, 100% of Kelley BlueBook High Value for 5 Years Old or Less; No Additional Discounts |
| up to 84 months | 7.24% | Credit Score 780 Or Higher; Maximum Term 7 Years; Used Vehicles, 100% of Kelley BlueBook High Value for 5 Years Old or Less; No Additional Discounts |
Sources (1)
- opefcu.org/rates.php · captured Oct 16, 2026
Used Autos, More Than Five Years Old to 10 Years
Vehicles more than 5 years old (to 10 years). We will finance up to 100% of wholesale (low) Kelley Blue Book price.
| Terms | APR | Conditions |
|---|---|---|
| 36–60 months | 8.75%–17.99% | Loans of $11,000 or greater |
Used Vehicle Loans (Five Years Old or Less)
Vehicles five years old or less, 100% of retail (high) Kelley Blue Book price financing.
| Terms | APR | Conditions |
|---|---|---|
| 36–48 months | 7.00%–17.75% | Loans less than $11,000; 100% of retail value financing |
| up to 60 months | 7.25%–17.75% | Loans $11,000 or greater; 100% of retail value financing |
| up to 72 months | 8.00%–10.49% | Loans $15,000 or greater; 100% of retail value financing |
| up to 84 months | 8.25%–10.49% | Loans $30,000 or greater; 100% of retail value financing |
Who can join Ontario Public Employees FCU
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.