Credit union · NCUA insured
OUCU Financial Auto Loan Rates
OUCU Financial auto loans start at 5.49% APR for a new vehicle and 5.99% for a used one. Rates checked October 16, 2026.
How OUCU Financial’s auto loan rates compare
Compared with banks and credit unions near Columbus, OH, where OUCU Financial has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
OUCU Financial
5.49%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- None included
New Auto Loans
Lowest rate
Homeland Credit Union
4.19%APR
- Terms
- up to 66 months
- Up to
- 16.99% APR
- Discount
- None included
2nd-lowest rate
Abbott Laboratories Employees Credit Union
4.24%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- Included in the rate
OUCU Financial auto loan score
69
Auto loan score
Higher than 24% of U.S. banks and credit unions
- New vehicleNew5.49%
- 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 OUCU Financial 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.
Low-Interest Auto Refinance Loans
Membership required. Available to individuals who live, work, worship, or go to school in specified counties or affiliated with Ohio University/Hocking College. Subject to credit approval. Rates apply to new loans only and are for current model year or prior model year with fewer than 15,000 miles. Minimum loan amount for 72 months is $20,000 and for 84 months $30,000. No closing fees or prepayment penalties. Rates accurate as of 10/1/26.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 5.49% | New Vehicles (2025 or newer). Maximum term 24 months. $150 Cash Rebate and no payments for 90 days (promo code Auto150). Limited-time offer ends December 21, 2026. |
| up to 36 months | 5.49% | New Vehicles (2025 or newer). Maximum term 36 months. $150 Cash Rebate and no payments for 90 days (promo code Auto150). Limited-time offer ends December 21, 2026. |
| up to 48 months | 5.49% | New Vehicles (2025 or newer). Maximum term 48 months. $150 Cash Rebate and no payments for 90 days (promo code Auto150). Limited-time offer ends December 21, 2026. |
| up to 60 months | 5.49% | New Vehicles (2025 or newer). Maximum term 60 months. $150 Cash Rebate and no payments for 90 days (promo code Auto150). Limited-time offer ends December 21, 2026. |
| up to 72 months | 5.74% | New Vehicles (2025 or newer). Maximum term 72 months. Minimum loan amount is $20,000. $150 Cash Rebate and no payments for 90 days (promo code Auto150). Limited-time offer ends December 21, 2026. |
| up to 84 months | 5.99% | New Vehicles (2025 or newer). Maximum term 84 months. Minimum loan amount is $30,000. $150 Cash Rebate and no payments for 90 days (promo code Auto150). Limited-time offer ends December 21, 2026. |
| up to 24 months | 5.99% | Used Vehicles (2024 - 2021). Maximum term 24 months. |
| up to 36 months | 5.99% | Used Vehicles (2024 - 2021). Maximum term 36 months. |
| up to 48 months | 5.99% | Used Vehicles (2024 - 2021). Maximum term 48 months. |
| up to 60 months | 5.99% | Used Vehicles (2024 - 2021). Maximum term 60 months. |
| up to 72 months | 6.24% | Used Vehicles (2024 - 2021). Maximum term 72 months. Minimum loan amount is $20,000. |
| up to 24 months | 6.24% | Used Vehicles (2020 or older). Maximum term 24 months. |
| up to 36 months | 6.24% | Used Vehicles (2020 or older). Maximum term 36 months. |
| up to 48 months | 6.24% | Used Vehicles (2020 or older). Maximum term 48 months. |
| up to 60 months | 6.24% | Used Vehicles (2020 or older). Maximum term 60 months. |
| up to 72 months | 6.49% | Used Vehicles (2020 or older). Maximum term 72 months. Minimum loan amount is $20,000. |
Sources (2)
All captured Oct 16, 2026
New Auto Loans
Membership required ($10 minimum balance in active savings account). Available to individuals who live, work, worship, or attend school in Athens, Hocking, Fairfield, Perry, Morgan, Washington, Vinton, or Meigs County, OH, or affiliated with Ohio University / Hocking College, or eligible family members. Subject to credit approval. Rates quoted as low as. Rate applies to new loans only and is for current model year or prior model year with fewer than 15,000 miles. Minimum loan amount for 72 months is $20,000 and for 84 months is $30,000. No closing fees or prepayment penalties.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 5.49% | New Vehicles (2025 or newer). Maximum term 24 months. |
| up to 36 months | 5.49% | New Vehicles (2025 or newer). Maximum term 36 months. |
| up to 48 months | 5.49% | New Vehicles (2025 or newer). Maximum term 48 months. |
| up to 60 months | 5.49% | New Vehicles (2025 or newer). Maximum term 60 months. |
| up to 72 months | 5.74% | New Vehicles (2025 or newer). Maximum term 72 months. Minimum loan amount is $20,000. |
| up to 84 months | 5.99% | New Vehicles (2025 or newer). Maximum term 84 months. Minimum loan amount is $30,000. |
Sources (4)
- oucu.org/borrow/vehicle-loans
- oucu.org/borrow/vehicle-loans/auto-loans
- oucu.org/borrow/vehicle-loans/auto-loans/new-auto-loans
- oucu.org/rates
All captured Oct 16, 2026
Used Auto Loans
Membership required ($10 minimum balance in active savings account). Available to individuals who live, work, worship, or attend school in Athens, Hocking, Fairfield, Perry, Morgan, Washington, Vinton, or Meigs County, OH, or affiliated with Ohio University / Hocking College, or eligible family members. Subject to credit approval. Credit score of 650 preferred. Rates quoted as low as. Rates apply to new loans only. Minimum loan amount for 72 months is $20,000. No closing fees or prepayment penalties.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 5.99% | Used Vehicles (2024 - 2021). Maximum term 24 months. |
| up to 36 months | 5.99% | Used Vehicles (2024 - 2021). Maximum term 36 months. |
| up to 48 months | 5.99% | Used Vehicles (2024 - 2021). Maximum term 48 months. |
| up to 60 months | 5.99% | Used Vehicles (2024 - 2021). Maximum term 60 months. |
| up to 72 months | 6.24% | Used Vehicles (2024 - 2021). Maximum term 72 months. Minimum loan amount is $20,000. |
| up to 24 months | 6.24% | Used Vehicles (2020 or older). Maximum term 24 months. |
| up to 36 months | 6.24% | Used Vehicles (2020 or older). Maximum term 36 months. |
| up to 48 months | 6.24% | Used Vehicles (2020 or older). Maximum term 48 months. |
| up to 60 months | 6.24% | Used Vehicles (2020 or older). Maximum term 60 months. |
| up to 72 months | 6.49% | Used Vehicles (2020 or older). Maximum term 72 months. Minimum loan amount is $20,000. |
Sources (4)
- oucu.org/borrow/vehicle-loans
- oucu.org/borrow/vehicle-loans/auto-loans
- oucu.org/borrow/vehicle-loans/auto-loans/used-auto-loans
- oucu.org/rates
All captured Oct 16, 2026
Who can join OUCU Financial
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Ohio residents outside the primary counties qualify for membership by joining the American Consumer Council at no cost.
Where you live or work
- Individuals who live, work, worship, or attend school in Athens, Fairfield, Hocking, Meigs, Morgan, Perry, Vinton, or Washington County are eligible for membership.
Employers and groups
- Individuals belonging to one of the qualifying association groups qualify for membership.
- Employees working for a select partner company qualify for membership.
Military, government and schools
- Active and retired employees, students, or alumni of Ohio University or Hocking College are eligible for membership.
Family and household
- Individuals who have a family member eligible for membership qualify to join.
Cost to join
- Membership in the American Consumer Council is free with no cost to join.
Membership information collected October 5, 2026.