Credit union · NCUA insured
Southwest Oklahoma Federal Credit Union Auto Loan Rates
Southwest Oklahoma Federal Credit Union auto loans start at 4.50% APR for a new vehicle and 5.50% for a used one. Rates checked October 15, 2026.
How Southwest Oklahoma Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Lawton, OK, where Southwest Oklahoma Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Southwest Oklahoma Federal Credit Union
4.50%APR
- Terms
- up to 60 months
- Up to
- 10.50% APR
New Auto Loans
Lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
- Up to
- —
3rd-lowest rate
Comanche County FCU
5.09%APR
- Terms
- 37–60 months
- Up to
- 15.34% APR
Southwest Oklahoma Federal Credit Union auto loan score
85
Auto loan score
Higher than 71% of U.S. banks and credit unions
- New vehicleNew4.50%
- Used vehicleUsed5.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Southwest Oklahoma 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
For vehicles 3 years old or newer. Rates are risk-based and determined by creditworthiness. Rates do not apply to existing credit union loans.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 5.50%–11.50% | 3 years old or newer. Risk-based pricing based on creditworthiness; does not apply to existing credit union loans. |
| up to 72 months | 5.00%–11.00% | 3 years old or newer. Risk-based pricing based on creditworthiness; does not apply to existing credit union loans. |
| up to 60 months | 4.50%–10.50% | 3 years old or newer. Risk-based pricing based on creditworthiness; does not apply to existing credit union loans. |
| up to 48 months | 4.25%–10.25% | 3 years old or newer. Risk-based pricing based on creditworthiness; does not apply to existing credit union loans. |
| up to 36 months | 4.00%–10.00% | 3 years old or newer. Risk-based pricing based on creditworthiness; does not apply to existing credit union loans. |
| up to 24 months | 3.75%–9.75% | 3 years old or newer. Risk-based pricing based on creditworthiness; does not apply to existing credit union loans. |
Sources (1)
- swofcu.com/auto-loans · captured Oct 7, 2026
Used Auto Loans
For used vehicles 4 years old and older. Rates are risk-based and determined by creditworthiness. Rates do not apply to existing credit union loans.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 6.50%–12.50% | 4 years old to 8 years old. Risk-based pricing based on creditworthiness; does not apply to existing credit union loans. |
| up to 72 months | 6.00%–12.00% | 4 years old to 8 years old. Risk-based pricing based on creditworthiness; does not apply to existing credit union loans. |
| up to 60 months | 5.50%–11.50% | 4 years old to 8 years old. Risk-based pricing based on creditworthiness; does not apply to existing credit union loans. |
| up to 48 months | 5.25%–11.25% | 4 years old to 8 years old. Risk-based pricing based on creditworthiness; does not apply to existing credit union loans. |
| up to 36 months | 5.00%–11.00% | 4 years old to 8 years old. Risk-based pricing based on creditworthiness; does not apply to existing credit union loans. |
| up to 24 months | 4.75%–10.75% | 4 years old to 8 years old. Risk-based pricing based on creditworthiness; does not apply to existing credit union loans. |
| up to 60 months | 7.00%–12.75% | Other vehicles 9 to 12 years old (up to 60 months). Risk-based pricing based on creditworthiness; does not apply to existing credit union loans. |
| — | 9.25%–15.00% | All other vehicles; term depends on vehicle condition. Risk-based pricing based on creditworthiness; does not apply to existing credit union loans. |
Sources (1)
- swofcu.com/auto-loans · captured Oct 7, 2026
Who can join Southwest Oklahoma 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 attends school in Caddo, Comanche, Cotton, Kiowa, Tillman, or Stephens County.
Family and household
- Membership is open to family members of existing account holders.
Cost to join
- Opening membership requires opening a Share Savings account with as little as $5.
Membership information collected October 4, 2026.