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Credit union · NCUA insured

Tinker Federal Credit Union Auto Loan Rates

Tinker Federal Credit Union auto loans start at 5.99% APR for a new vehicle and 6.24% for a used one. Rates checked October 15, 2026.

How Tinker Federal Credit Union’s auto loan rates compare

Compared with banks and credit unions near Oklahoma City, OK, where Tinker Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.

  • This credit union’s lowest

    Tinker Federal Credit Union

    5.99%APR

    Terms
    67–72 months
    Discount
    None included

    New Car Loans

  • Top Carrot, Carrot Score 87

    Lowest rate

    Credit Union One of Oklahoma

    4.24%APR

    Terms
    49–60 months
    Discount
    None included

    Credit Union One of Oklahoma rates

  • Top Carrot, Carrot Score 88

    2nd-lowest rate

    Oklahoma's Credit Union

    4.24%APR

    Terms
    up to 60 months
    Discount
    Included in the rate

    Oklahoma's Credit Union rates

Compare auto loan rates near you →

Tinker Federal Credit Union auto loan score

65

Auto loan score

Higher than 14% of U.S. banks and credit unions

By vehicle
  • New vehicleNew5.99%
  • Used vehicleUsed6.24%

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 Tinker Federal Credit Union ranks

By auto loan score, in each area where it has branches

And 3 more areas →

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 Tinker 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This may be incomplete or out of date, so check with the credit union before you apply.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

  • Individuals who live, work, worship, or attend school in eligible areas are eligible to join.

Employers and groups

  • Members of qualifying large associations are eligible to join.
  • Employees of any of the 3,600 TFCU Partner companies and organizations are eligible to join.

Military, government and schools

  • U.S. Armed Forces active, retired, dependent, or dependent survivor receiving benefits or services from Tinker AFB, Vance AFB, an Army National Guard facility, or an Oklahoma Armed Forces Reserve Center are eligible.
  • City or county employees of eligible areas qualify for membership.
  • Students, faculty, and employees of qualifying colleges, technology centers, and universities are eligible.
8 more ways to join

Military, government and schools

  • Students, faculty, and employees of qualifying K-12 schools are eligible.
  • Military personnel, civilian personnel, contractors, or US Government employees assigned to or working at Tinker AFB, Vance AFB, an Army National Guard facility, or an Oklahoma Armed Forces Reserve Center are eligible.

Family and household

  • Immediate family members (spouse, child, sibling, parent, grandchild, stepparent, stepchild, stepsibling, or adoptive family member) of an existing member or eligible person qualify for membership.
  • Permanent members of the household of an existing member or eligible person qualify for membership.
  • Surviving spouses of TFCU members qualify for membership.

Other ways

  • Residents of Texas and other areas can join via membership in the Cornerstone Foundation for a one-time fee of $15.00.
  • Oklahoma residents can join via membership in the Oklahoma Jump$tart Coalition for a one-time fee of $10.00.
  • Citizens, members, and employees of qualifying Tribal Nations are eligible to join.

Cost to join

  • Opening a share (savings) account requires a $5 deposit and balance.

Membership information collected October 4, 2026.

Check membership requirements ↗Branches and institution details
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