Credit union · NCUA insured
Ozark Federal Credit Union Auto Loan Rates
Ozark Federal Credit Union auto loans start at 5.55% APR for a new vehicle and 5.71% for a used one. Rates checked October 16, 2026.
How Ozark Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Poplar Bluff, MO, where Ozark Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Ozark Federal Credit Union
5.31%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
New Auto Loans
Ozark Federal Credit Union auto loan score
67
Auto loan score
Higher than 19% of U.S. banks and credit unions
By vehicle
- New vehicleNew5.55%
- Used vehicleUsed5.71%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Ozark 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
Membership eligibility required. Rate based on credit history, model year, term, and loan amount. Current Model Year with less than 15,000 miles qualifies for the 'New Vehicle' rate. Term is based on vehicle value and amount financed. Rates are determined by individual credit scores. Subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.35% | Advertised 'as low as' annual percentage rate (APR) assumes excellent borrower credit history. Term: 36 Months. |
| up to 36 months | 4.85% | Loyalty/PFI Rate (-.50% reduction) for 36 Months: requires automatic transfer and OFCU as borrower's primary financial institution (defined as: checking account with debit card, existing direct deposit from employer or retirement, recurring monthly transactions and one current loan with CU). Assumes excellent borrower credit history. |
| up to 48 months | 5.58% | Advertised 'as low as' annual percentage rate (APR) assumes excellent borrower credit history. Term: 48 Months. |
| up to 48 months | 5.08% | Loyalty/PFI Rate (-.50% reduction) for 48 Months: requires automatic transfer and OFCU as borrower's primary financial institution (defined as: checking account with debit card, existing direct deposit from employer or retirement, recurring monthly transactions and one current loan with CU). Assumes excellent borrower credit history. |
| up to 60 months | 5.81% | Advertised 'as low as' annual percentage rate (APR) assumes excellent borrower credit history. Term: 60 Months. |
| up to 60 months | 5.31% | Loyalty/PFI Rate (-.50% reduction) for 60 Months: requires automatic transfer and OFCU as borrower's primary financial institution (defined as: checking account with debit card, existing direct deposit from employer or retirement, recurring monthly transactions and one current loan with CU). Assumes excellent borrower credit history. |
| up to 72 months | 6.06% | Advertised 'as low as' annual percentage rate (APR) assumes excellent borrower credit history. Term: 72 Months. |
| up to 72 months | 5.55% | Loyalty/PFI Rate (-.50% reduction) for 72 Months: requires automatic transfer and OFCU as borrower's primary financial institution (defined as: checking account with debit card, existing direct deposit from employer or retirement, recurring monthly transactions and one current loan with CU). Assumes excellent borrower credit history. |
| up to 84 months | 6.80% | Advertised 'as low as' annual percentage rate (APR) assumes excellent borrower credit history. Term: 84 Months. |
| up to 84 months | 6.30% | Loyalty/PFI Rate (-.50% reduction) for 84 Months: requires automatic transfer and OFCU as borrower's primary financial institution (defined as: checking account with debit card, existing direct deposit from employer or retirement, recurring monthly transactions and one current loan with CU). Assumes excellent borrower credit history. |
Used Auto Loans
Membership eligibility required. Repayment terms up to 84 months. No hidden fees or prepayment penalties. Term is based on vehicle value and amount financed. Rates are determined by individual credit scores. Subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.84% | Advertised 'as low as' annual percentage rate (APR) assumes excellent borrower credit history. Term: 36 Months. |
| up to 36 months | 5.34% | Loyalty Rate (-.50% reduction) for 36 Months: requires automatic transfer and OFCU as borrower's primary financial institution (defined as: checking account with debit card, existing direct deposit from employer or retirement, recurring monthly transactions and one current loan with CU). Assumes excellent borrower credit history. |
| up to 48 months | 6.01% | Advertised 'as low as' annual percentage rate (APR) assumes excellent borrower credit history. Term: 48 Months. |
| up to 48 months | 5.51% | Loyalty Rate (-.50% reduction) for 48 Months: requires automatic transfer and OFCU as borrower's primary financial institution (defined as: checking account with debit card, existing direct deposit from employer or retirement, recurring monthly transactions and one current loan with CU). Assumes excellent borrower credit history. |
| up to 60 months | 6.21% | Advertised 'as low as' annual percentage rate (APR) assumes excellent borrower credit history. Term: 60 Months. |
| up to 60 months | 5.71% | Loyalty Rate (-.50% reduction) for 60 Months: requires automatic transfer and OFCU as borrower's primary financial institution (defined as: checking account with debit card, existing direct deposit from employer or retirement, recurring monthly transactions and one current loan with CU). Assumes excellent borrower credit history. |
| up to 72 months | 6.43% | Advertised 'as low as' annual percentage rate (APR) assumes excellent borrower credit history. Term: 72 Months. |
| up to 72 months | 5.93% | Loyalty Rate (-.50% reduction) for 72 Months: requires automatic transfer and OFCU as borrower's primary financial institution (defined as: checking account with debit card, existing direct deposit from employer or retirement, recurring monthly transactions and one current loan with CU). Assumes excellent borrower credit history. |
| up to 84 months | 7.16% | Advertised 'as low as' annual percentage rate (APR) assumes excellent borrower credit history. Term: 84 Months. |
| up to 84 months | 6.66% | Loyalty Rate (-.50% reduction) for 84 Months: requires automatic transfer and OFCU as borrower's primary financial institution (defined as: checking account with debit card, existing direct deposit from employer or retirement, recurring monthly transactions and one current loan with CU). Assumes excellent borrower credit history. |
Who can join Ozark 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
- Open to anyone who lives, works, worships, or attends school in Bollinger, Butler, Cape Girardeau, Carter, Dent, Douglas, Dunklin, Howell, Iron, Madison, Mississippi, New Madrid, Oregon, Ozark, Pemiscot, Perry, Reynolds, Ripley, Scott, Shannon, St. Francois, St. Genevieve, Stoddard, Texas, or Wayne counties in Missouri.
Employers and groups
- Employees of the credit union are eligible for membership.
Family and household
- Members of the immediate families or household of eligible persons/employees are eligible for membership.
- Spouses of persons who died while within the field of membership of this credit union are eligible for membership.
Other ways
- Organizations of such eligible persons are eligible for membership.
Cost to join
- A $25 initial deposit into a savings account is required to open an account and get started.
Membership information collected October 4, 2026.