Credit union · NCUA insured
Oxford Federal Credit Union Auto Loan Rates
Top CarrotOxford Federal Credit Union auto loans start at 5.65% APR for a new vehicle and 5.85% for a used one. Rates checked October 22, 2026.
How Oxford Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Tampa, FL, where Oxford Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Oxford Federal Credit Union
5.65%APR
- Terms
- 60–83 months
New Auto Loans
Lowest rate
Florida West Coast CU
3.99%APR
- Terms
- —
2nd-lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
Oxford Federal Credit Union auto loan score
68
Auto loan score
Higher than 22% of U.S. banks and credit unions
- New vehicleNew5.65%
- Used vehicleUsed5.85%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Oxford 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 Loans
New Autos = 2026 and 2025, or 2024 with less than 10,000 miles. Fixed interest rates. Rates determined by credit assessment. Open to OFCU members (living, working, worshiping, or attending school in eligible Maine counties, or immediate family/household members).
| Terms | APR | Conditions |
|---|---|---|
| up to 35 months | 4.75% | — |
| 36–59 months | 5.15% | — |
| 60–83 months | 5.65% | Secured loans 72-83 months require a loan amount minimum of $15k. |
Used Auto Loans
Used Autos = 2015 or Newer. Fixed interest rates. Rates determined by credit assessment. Open to OFCU members (living, working, worshiping, or attending school in eligible Maine counties, or immediate family/household members).
| Terms | APR | Conditions |
|---|---|---|
| up to 35 months | 4.95% | — |
| 36–59 months | 5.35% | — |
| 60–83 months | 5.85% | Secured loans 72-83 months require a loan amount minimum of $15k. |
Who can join Oxford Federal 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This may be incomplete or out of date, so check with the credit union before you apply.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, works, worships, or goes to school in Androscoggin, Cumberland, Franklin, Kennebec, Knox, Lincoln, Oxford, Sagadahoc, Somerset, or York County in Maine.
Family and household
- Eligible if you are an immediate family member of someone who is already an OFCU member.
- Eligible if you share a residence with someone who is already an OFCU member.
Cost to join
- A $5 minimum deposit is required to open a Share Savings account.
Membership information collected October 4, 2026.