Credit union · NCUA insured
Western Sun Federal Credit Union Auto Loan Rates
Western Sun Federal Credit Union auto loans start at 5.39% APR for a new vehicle and 5.39% for a used one. Rates checked October 7, 2026.
How Western Sun Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Tulsa, OK, where Western Sun Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Western Sun Federal Credit Union
5.39%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- None included
Autos - New
Lowest rate
American Airlines Federal Credit Union
4.09%APR
- Terms
- 37–60 months
- Up to
- 13.14% APR
- Discount
- None included
2nd-lowest rate
Oklahoma's Credit Union
4.24%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- Included in the rate
Western Sun Federal Credit Union auto loan score
76
Auto loan score
Higher than 40% of U.S. banks and credit unions
- New vehicleNew5.39%
- Used vehicleUsed5.39%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Western Sun 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.
Autos - New
Rates and terms subject to market conditions and borrower eligibility.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.39% | — |
| up to 48 months | 5.39% | — |
| up to 60 months | 5.39% | — |
| up to 72 months | 5.39% | — |
| up to 84 months | 6.39% | 1% added to rate if over 50,000 miles. |
Sources (1)
- wsfcu.com/rates/collateral-loans · captured Oct 7, 2026
Autos - Used
Rates and terms subject to market conditions and borrower eligibility.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.39% | — |
| up to 48 months | 5.39% | — |
| up to 60 months | 5.39% | — |
| up to 72 months | 5.39% | — |
| up to 84 months | 6.39% | 1% added to rate if over 50,000 miles. |
Sources (1)
- wsfcu.com/rates/collateral-loans · captured Oct 7, 2026
Who can join Western Sun 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This may be incomplete or out of date, so check with the credit union before you apply.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, volunteer, or attend school in Creek, Okmulgee, Osage, Pawnee, Rogers, Tulsa, or Wagoner counties are eligible to join.
Family and household
- Immediate family members of current members are eligible for membership.
Cost to join
- Membership requires opening a regular savings account with a minimum balance deposit of $5.
Membership information collected October 4, 2026.