Credit union · NCUA insured
Orange County's Federal Credit Union Auto Loan Rates
Orange County's Federal Credit Union auto loans start at 4.99% APR for a new vehicle and 5.24% for a used one. Rates checked October 16, 2026.
How Orange County's Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Los Angeles, CA, where Orange County's Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Orange County's Federal Credit Union
4.99%APR
- Terms
- up to 60 months
- Up to
- 13.24% APR
- Discount
- None included
New Auto Loan
Lowest rate
Downey Federal Credit Union
3.49%APR
- Terms
- —
- Up to
- —
- Discount
- None included
2nd-lowest rate
United Catholics Federal CU
3.75%APR
- Terms
- up to 84 months
- Up to
- —
- Discount
- Included in the rate
Orange County's Federal Credit Union auto loan score
81
Auto loan score
Higher than 54% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed5.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Orange County's 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.
First-Time Auto Buyer Loan
Available for new and used vehicles, including private-party sales. Loan amounts up to $25,000. Terms up to 72 months. Maximum financing up to 100% MSRP (new) / Kelley Retail Blue Book (used). Requires automatic payments, proof of insurance, and proof of income before funding. Quoted rates include a 0.75% discount for borrowers who set up and receive a minimum combined direct deposit of $500 per month; otherwise APR will be 0.75% higher. $25 fee for private party transactions.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 7.49% | Estimated payment is $20.04 per $1,000 borrowed. Includes 0.75% direct deposit discount ($500/month min). Max loan amount $25,000. |
| up to 72 months | 7.74% | Estimated payment is $17.41 per $1,000 borrowed. Includes 0.75% direct deposit discount ($500/month min). Max loan amount $25,000. |
Sources (2)
All captured Oct 6, 2026
Motorcycle Loan
Motorcycle includes Cruiser, Touring, Sport Touring and Standard. New as indicated on purchase order from dealer. All other purchases are classified as Used. Quoted rates include a 0.25% discount for borrowers who set up and receive a minimum direct deposit of $500 per month; otherwise APR will be 0.25% higher. Maximum term not available on all loan amounts. Up to 100% financing of purchase price including tax, license and warranty. $50 fee for vehicle refinance; $25 fee for private party transactions. Cash out is not available.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 7.49%–17.74% | New Motorcycle 100% LTV. Approximate payment per $1,000 on a 48-month term at 7.49% APR is $24.17. Includes 0.25% direct deposit discount. |
| up to 48 months | 6.99%–17.24% | New Motorcycle 80% LTV. Includes 0.25% direct deposit discount. |
| up to 48 months | 7.99%–17.99% | Used Motorcycle 80% LTV. Includes 0.25% direct deposit discount. |
Sources (1)
- orangecountyscu.org/rates · captured Oct 6, 2026
New Auto Loan
Quoted rates include a 0.75% discount for borrowers who set up and receive a minimum combined direct deposit of $500 per month; otherwise APR will be 0.75% higher. Minimum vehicle year is 2018. Vehicles with more than 5,000 miles classified as used. Up to 100% financing of purchase price including tax, license, and warranty. Terms up to 84 months for new vehicles. No payments for up to 90 days available for qualified borrowers (finance charges begin accruing upon funding). Excludes salvaged, classic, gray market, or lemon law buyback vehicles. $50 fee for OCFCU Auto Refinance; $25 fee for private party transactions.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.49%–12.74% | Estimated payment is $22.81 - $26.72 per $1,000 borrowed. Includes 0.75% direct deposit discount ($500/month min). |
| up to 60 months | 4.99%–13.24% | Estimated payment is $18.88 - $22.89 per $1,000 borrowed. Includes 0.75% direct deposit discount ($500/month min). |
| up to 72 months | 5.49%–13.74% | Estimated payment is $16.34 - $20.48 per $1,000 borrowed. Includes 0.75% direct deposit discount ($500/month min). |
| up to 84 months | 6.39%–14.64% | Estimated payment is $14.81 - $19.11 per $1,000 borrowed. Includes 0.75% direct deposit discount ($500/month min). |
Sources (2)
All captured Oct 6, 2026
Used Auto Loan
Quoted rates include a 0.75% discount for borrowers who set up and receive a minimum combined direct deposit of $500 per month; otherwise APR will be 0.75% higher. Minimum vehicle year is 2018. Vehicles with more than 5,000 miles classified as used. Up to 100% financing of purchase price including tax, license, and warranty based on Retail Kelley Blue Book value. Terms up to 72 months for used vehicles. No payments for up to 90 days available for qualified borrowers. Excludes salvaged, classic, gray market, or lemon law buyback vehicles. $50 fee for OCFCU Auto Refinance; $25 fee for private party transactions.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.74%–12.99% | Estimated payment is $22.82 - $26.83 per $1,000 borrowed. Includes 0.75% direct deposit discount ($500/month min). |
| up to 60 months | 5.24%–13.49% | Estimated payment is $18.93 - $23.01 per $1,000 borrowed. Includes 0.75% direct deposit discount ($500/month min). |
| up to 72 months | 5.74%–13.99% | Estimated payment is $16.40 - $20.61 per $1,000 borrowed. Includes 0.75% direct deposit discount ($500/month min). |
Sources (2)
All captured Oct 6, 2026
Who can join Orange County's Federal Credit Union
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