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Credit union · NCUA insured

Red Oak Credit Union Auto Loan Rates

Top Carrot, Carrot Score 87Top Carrot

Red Oak Credit Union auto loans start at 6.75% APR for a new vehicle and 10.25% for a used one. Rates checked October 22, 2026.

How Red Oak Credit Union’s auto loan rates compare

Compared with banks and credit unions near Tuscaloosa, AL, where Red Oak Credit Union has the most branches. New vehicle, lowest advertised APR first.

  • Top Carrot, Carrot Score 87

    This credit union’s lowest

    Red Oak Credit Union

    6.75%APR

    Terms
    up to 84 months
    Up to
    15.45% APR

    New Auto 2025 - 2026

  • Top Carrot, Carrot Score 89

    Lowest rate

    Nucor Employee's Credit Union

    4.49%APR

    Terms
    —
    Up to
    5.49% APR

    Nucor Employee's Credit Union rates

  • Top Carrot, Carrot Score 89

    2nd-lowest rate

    Southern Energy Credit Union

    4.60%APR

    Terms
    up to 63 months
    Up to
    —

    Southern Energy Credit Union rates

Compare auto loan rates near you →

Red Oak Credit Union auto loan score

61

Auto loan score

Higher than 5% of U.S. banks and credit unions

By vehicle
  • New vehicleNew6.75%
  • Used vehicleUsed10.25%

Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.

How the score works →

Where Red Oak 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.

Who can join Red Oak Credit Union

We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.

Visit institution website ↗Branches and institution details
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