Credit union · NCUA insured
True Sky Federal Credit Union Auto Loan Rates
Top CarrotTrue Sky Federal Credit Union auto loans start at 4.49% APR for a new vehicle and 4.49% for a used one. Rates checked October 15, 2026.
How True Sky Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Oklahoma City, OK, where True Sky Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
True Sky Federal Credit Union
4.49%APR
- Terms
- up to 60 months
- Discount
- None included
Auto Loans
Lowest rate
Credit Union One of Oklahoma
4.24%APR
- Terms
- 49–60 months
- Discount
- None included
2nd-lowest rate
Oklahoma's Credit Union
4.24%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
True Sky Federal Credit Union auto loan score
89
Auto loan score
Higher than 89% of U.S. banks and credit unions
- New vehicleNew4.49%
- Used vehicleUsed4.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where True Sky 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.
Auto Loans
Membership required. Loans subject to credit approval. Available for new and used cars or trucks, purchase, or refinancing. No application fee. Biweekly payment options available.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.49% | Rates as low as 4.49% APR. Rate and term determined by credit history, age and type of vehicle, collateral value, and amount financed. Terms available up to 84 months. |
| up to 60 months | 4.49% | Repayment terms up to 60 months. Credit restrictions apply. Rates and terms subject to change at anytime. |
Sources (3)
All captured Oct 5, 2026
Motorcycle or ATV
Membership required. Subject to credit approval. Credit restrictions apply.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 5.95% | Up to 84 months depending on collateral. Credit restrictions apply. Rates and terms subject to change at anytime. |
Sources (1)
- trueskycu.org/rates · captured Oct 5, 2026
Who can join True Sky Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Eligible for membership if an employee of one of True Sky Federal Credit Union's business partners.
Family and household
- Eligible for membership if an immediate family member of a True Sky member.
Other ways
- Eligible for membership by joining the American Consumer Council (ACC).
Membership information collected October 4, 2026.