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As Low As 3.49% APR
Enjoy auto loan rates as low as 3.49% APR for 36 months, plus make no payments for 90 days. 
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Auto Loan Rates

Finding the right rate for your next car or truck can make a big difference on your monthly payment. 

Auto Loan Rates
Effective Date: February 10, 2026
Term APR*
36 Mo.3.49%
60 Mo.3.99%
75 Mo.4.49%
84 Mo.4.49%
Term APR*
36 Mo.3.49%
60 Mo.3.99%
75 Mo.4.49%
84 Mo.4.49%
Auto Loan Monthly Payment
Effective Date: February 10, 2026
Loan Amount 36 Mo.1 60 Mo.2 75 Mo.3 84 Mo.4
$20,000$586$368$306$278
$30,000$879$552$459$417
$40,000$1,172$736$613$556

1 Max term 36 months. Estimated payment $29.30 per $1,000 borrowed for 36 months. 2 Max term 60 months. Estimated payment $18.41 per $1,000 borrowed for 60 months. 3 Max term 75 months. Estimated payment $15.32 per $1,000 borrowed for 75 months. 4 Max term 84 months. Estimated payment $13.90 per $1,000 borrowed for 84 months. 

1 Max term 36 months. Estimated payment $29.30 per $1,000 borrowed for 36 months. 2 Max term 60 months. Estimated payment $18.41 per $1,000 borrowed for 60 months. 3 Max term 75 months. Estimated payment $15.32 per $1,000 borrowed for 75 months. 4 Max term 84 months. Estimated payment $13.90 per $1,000 borrowed for 84 months. 

Loan Amount 36 Mo.1 60 Mo.2 75 Mo.3 84 Mo.4
$20,000$586$368$306$278
$30,000$879$552$459$417
$40,000$1,172$736$613$556

1 Max term 36 months. Estimated payment $29.30 per $1,000 borrowed for 36 months. 2 Max term 60 months. Estimated payment $18.41 per $1,000 borrowed for 60 months. 3 Max term 75 months. Estimated payment $15.32 per $1,000 borrowed for 75 months. 4 Max term 84 months. Estimated payment $13.90 per $1,000 borrowed for 84 months. 

*

Annual Percentage Rate. Monthly rate and payment examples above are for a Vantage Score of 740+. Requires automatic payments and OKCU checking account with direct deposit. Rates subject to change. Normal lending policies apply.

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