Credit union · NCUA insured
Oshkosh Community Credit Union Auto Loan Rates
Top CarrotOshkosh Community Credit Union auto loans start at 3.98% APR for a new vehicle and 3.98% for a used one. Rates checked October 16, 2026.
How Oshkosh Community Credit Union’s auto loan rates compare
Compared with banks and credit unions near Oshkosh, WI, where Oshkosh Community Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Oshkosh Community Credit Union
3.98%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Auto 2020 and Newer
Lowest rate
Community First Credit Union
3.50%APR
- Terms
- up to 66 months
- Discount
- None included
3rd-lowest rate
Winnebago Community Credit Union
3.99%APR
- Terms
- up to 72 months
- Discount
- None included
Oshkosh Community Credit Union auto loan score
93
Auto loan score
Higher than 95% of U.S. banks and credit unions
- New vehicleNew3.98%
- Used vehicleUsed3.98%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Oshkosh Community 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.
Auto 2011 - 2015
Up to 100% NADA Retail Value or asking price on Contract + Taxes and Fees. Merit-based system where rates are based on creditworthiness and term of loan. Rates are subject to change at any time. Discount of .25% with active autopay. Additional discount of .25% with direct deposit & active autopay.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 6.71% | Base Rate. Monthly payment of $44.65 per $1,000. 2011 - 2015. |
| up to 24 months | 6.21% | With Direct Deposit & Autopay. 2011 - 2015. |
| up to 36 months | 6.96% | Base Rate. Monthly payment of $30.87 per $1,000. 2011 - 2015. |
| up to 36 months | 6.46% | With Direct Deposit & Autopay. 2011 - 2015. |
Sources (1)
- oshkoshcommunitycu.com/rates · captured Oct 5, 2026
Auto 2016-2019
Up to 100% NADA Retail Value or asking price on Contract + Taxes and Fees. Merit-based system where rates are based on creditworthiness and term of loan. Rates are subject to change at any time. Discount of .25% with active autopay. Additional discount of .25% with direct deposit & active autopay.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 5.48% | Base Rate. Monthly payment of $44.10 per $1,000. 2016 - 2019. |
| up to 24 months | 4.98% | With Direct Deposit & Autopay. 2016 - 2019. |
| up to 36 months | 5.73% | Base Rate. Monthly payment of $30.31 per $1,000. 2016 - 2019. |
| up to 36 months | 5.23% | With Direct Deposit & Autopay. 2016 - 2019. |
| up to 48 months | 5.98% | Base Rate. Monthly payment of $23.49 per $1,000. 2016 - 2019. |
| up to 48 months | 5.48% | With Direct Deposit & Autopay. 2016 - 2019. |
Sources (1)
- oshkoshcommunitycu.com/rates · captured Oct 5, 2026
Auto 2020 and Newer
Up to 100% of Purchase Price + Taxes & Fees. Merit-based system where rates are based on creditworthiness and term of loan. Rates are subject to change at any time. Discount of .25% with active autopay. Additional discount of .25% with direct deposit & active autopay.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.23% | Base Rate. Monthly payment of $29.63 per $1,000. 2020 & Newer. |
| up to 36 months | 3.73% | With Direct Deposit & Autopay. Monthly payment with discount. 2020 & Newer. |
| up to 48 months | 4.23% | Base Rate. Monthly payment of $22.69 per $1,000. 2020 & Newer. |
| up to 48 months | 3.73% | With Direct Deposit & Autopay. 2020 & Newer. |
| up to 60 months | 4.48% | Base Rate. Monthly payment of $18.64 per $1,000. 2020 & Newer. |
| up to 60 months | 3.98% | With Direct Deposit & Autopay. 2020 & Newer. |
| up to 72 months | 4.98% | Base Rate. Monthly payment of $16.10 per $1,000. 2020 & Newer. |
| up to 72 months | 4.48% | With Direct Deposit & Autopay. 2020 & Newer. |
| up to 84 months | 5.98% | Base Rate. Monthly payment of $14.61 per $1,000. 2020 & Newer. |
| up to 84 months | 5.48% | With Direct Deposit & Autopay. 2020 & Newer. |
Sources (1)
- oshkoshcommunitycu.com/rates · captured Oct 5, 2026
Who can join Oshkosh Community 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 who lives or works in Winnebago, Calumet, Fond Du Lac, Green Lake, Outagamie, Waupaca, or Waushara County.
Family and household
- Membership is open to immediate family members of eligible individuals.
Cost to join
- A $5 deposit is required to open and maintain a share account.
Membership information collected October 5, 2026.