Auto Loans · Oklahoma
53 credit unions in Oklahoma report car loan rates to the NCUA. Rates range from 2.24% to 12.54%.
Updated Q1 2026 · NCUA Call Report data
53
CUs Reporting Rates
2.24%
Lowest New Car Rate
6.13%
State Average Rate
25
Cities Covered
53 credit unions with reported rates, sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | OU NORMAN | 2.24% | 6.49% |
| 2 | U. S. EMPLOYEES O. C. OKLAHOMA CITY | 3.49% | 3.49% |
| 3 | MUNICIPAL EMPS CU OF OKLAHOMA CITY OKLAHOMA CITY | 3.85% | 5.72% |
| 4 | FRATERNAL ORDER OF POLICE Tulsa | 4.34% | 7.61% |
| 5 | ALLEGIANCE Oklahoma City | 4.49% | 6.24% |
| 6 | TRUE SKY Oklahoma City | 4.53% | 7.02% |
| 7 | EMPLOYEES TULSA | 4.59% | 5.49% |
| 8 | OKLAHOMA OKLAHOMA CITY | 4.99% | 4.99% |
| 9 | RED CROWN Tulsa | 4.99% | 4.99% |
| 10 | OK MEMBERS FIRST TULSA | 5.05% | 6.52% |
| 11 | SAINT FRANCIS EMPLOYEES Tulsa | 5.19% | 5.19% |
| 12 | CREDIT UNION ONE OF OKLAHOMA Oklahoma City | 5.24% | 5.99% |
| 13 | ENERGIZE OKLAHOMA CITY | 5.25% | 5.25% |
| 14 | GREEN COUNTRY Sand Springs | 5.32% | 7.11% |
| 15 | UNITED MEMBERS TULSA | 5.36% | 6.25% |
| 16 | ENERGY ONE Tulsa | 5.43% | 6.21% |
| 17 | MUSKOGEE Muskogee | 5.49% | 5.49% |
| 18 | ARBUCKLE ADA | 5.49% | 6.49% |
| 19 | MORNING STAR Tulsa | 5.50% | 7.50% |
| 20 | INTEGRIS Oklahoma City | 5.55% | 6.37% |
| 21 | TRUITY Bartlesville | 5.74% | 7.74% |
| 22 | OK Bartlesville | 5.75% | 6.50% |
| 23 | WESTERN SUN Broken Arrow | 5.80% | 6.87% |
| 24 | ENCENTUS Tulsa | 5.83% | 6.41% |
| 25 | MCALESTER AAP MCALESTER | 5.88% | 8.37% |
| 26 | RED RIVER Altus | 5.89% | 5.29% |
| 27 | CORRECTIONAL WORKERS EL RENO | 5.90% | 6.63% |
| 28 | FIRE FIGHTERS TULSA | 5.91% | 6.99% |
| 29 | FORT SILL Lawton | 5.99% | 7.92% |
| 30 | GROWING OAKS Goldsby | 5.99% | 13.25% |
| 31 | TTCU Tulsa | 5.99% | 5.99% |
| 32 | FIRST FAMILY Henryetta | 5.99% | 5.99% |
| 33 | COMMUNICATION OKLAHOMA CITY | 5.99% | 7.24% |
| 34 | SOUTHWEST OKLAHOMA Lawton | 6.00% | 7.00% |
| 35 | THE FOCUS Oklahoma City | 6.04% | 6.68% |
| 36 | DFCU TULSA TULSA | 6.24% | 6.90% |
| 37 | TINKER Oklahoma City | 6.27% | 6.81% |
| 38 | VELMA Velma | 6.49% | 8.49% |
| 39 | DEPARTMENT OF PUBLIC SAFETY OKLAHOMA CITY | 6.69% | 8.19% |
| 40 | WEOKIE Oklahoma City | 6.75% | 7.35% |
| 41 | CHEROKEE STRIP Ponca City | 6.84% | 7.24% |
| 42 | OKLAHOMA'S OKLAHOMA CITY | 6.85% | 7.40% |
| 43 | BISON Shawnee | 6.99% | 7.99% |
| 44 | FIRST OKLAHOMA Glenpool | 7.14% | 8.05% |
| 45 | COMANCHE COUNTY Lawton | 7.19% | 8.74% |
| 46 | WESTREET Tulsa | 7.24% | 5.74% |
| 47 | OKLAHOMA CENTRAL Tulsa | 7.39% | 7.39% |
| 48 | OKUNITY Stillwater | 7.59% | 7.89% |
| 49 | COOPERATIVE EMPLOYEES ANADARKO | 8.00% | 6.75% |
| 50 | TEACHERS Oklahoma CIty | 9.74% | 11.68% |
| 51 | OTOE-MISSOURIA Red Rock | 9.74% | 7.49% |
| 52 | OKLAHOMA EDUCATORS OKLAHOMA CITY | 9.99% | 9.99% |
| 53 | ENDURANCE Duncan | 12.54% | 13.54% |
53 credit unions with reported rates, sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | U. S. EMPLOYEES O. C. OKLAHOMA CITY | 3.49% | 3.49% |
| 2 | OKLAHOMA OKLAHOMA CITY | 4.99% | 4.99% |
| 3 | RED CROWN Tulsa | 4.99% | 4.99% |
| 4 | SAINT FRANCIS EMPLOYEES Tulsa | 5.19% | 5.19% |
| 5 | ENERGIZE OKLAHOMA CITY | 5.25% | 5.25% |
| 6 | RED RIVER Altus | 5.29% | 5.89% |
| 7 | EMPLOYEES TULSA | 5.49% | 4.59% |
| 8 | MUSKOGEE Muskogee | 5.49% | 5.49% |
| 9 | MUNICIPAL EMPS CU OF OKLAHOMA CITY OKLAHOMA CITY | 5.72% | 3.85% |
| 10 | WESTREET Tulsa | 5.74% | 7.24% |
| 11 | CREDIT UNION ONE OF OKLAHOMA Oklahoma City | 5.99% | 5.24% |
| 12 | TTCU Tulsa | 5.99% | 5.99% |
| 13 | FIRST FAMILY Henryetta | 5.99% | 5.99% |
| 14 | ENERGY ONE Tulsa | 6.21% | 5.43% |
| 15 | ALLEGIANCE Oklahoma City | 6.24% | 4.49% |
| 16 | UNITED MEMBERS TULSA | 6.25% | 5.36% |
| 17 | INTEGRIS Oklahoma City | 6.37% | 5.55% |
| 18 | ENCENTUS Tulsa | 6.41% | 5.83% |
| 19 | OU NORMAN | 6.49% | 2.24% |
| 20 | ARBUCKLE ADA | 6.49% | 5.49% |
| 21 | OK Bartlesville | 6.50% | 5.75% |
| 22 | OK MEMBERS FIRST TULSA | 6.52% | 5.05% |
| 23 | CORRECTIONAL WORKERS EL RENO | 6.63% | 5.90% |
| 24 | THE FOCUS Oklahoma City | 6.68% | 6.04% |
| 25 | COOPERATIVE EMPLOYEES ANADARKO | 6.75% | 8.00% |
| 26 | TINKER Oklahoma City | 6.81% | 6.27% |
| 27 | WESTERN SUN Broken Arrow | 6.87% | 5.80% |
| 28 | DFCU TULSA TULSA | 6.90% | 6.24% |
| 29 | FIRE FIGHTERS TULSA | 6.99% | 5.91% |
| 30 | SOUTHWEST OKLAHOMA Lawton | 7.00% | 6.00% |
| 31 | TRUE SKY Oklahoma City | 7.02% | 4.53% |
| 32 | GREEN COUNTRY Sand Springs | 7.11% | 5.32% |
| 33 | COMMUNICATION OKLAHOMA CITY | 7.24% | 5.99% |
| 34 | CHEROKEE STRIP Ponca City | 7.24% | 6.84% |
| 35 | WEOKIE Oklahoma City | 7.35% | 6.75% |
| 36 | OKLAHOMA CENTRAL Tulsa | 7.39% | 7.39% |
| 37 | OKLAHOMA'S OKLAHOMA CITY | 7.40% | 6.85% |
| 38 | OTOE-MISSOURIA Red Rock | 7.49% | 9.74% |
| 39 | MORNING STAR Tulsa | 7.50% | 5.50% |
| 40 | FRATERNAL ORDER OF POLICE Tulsa | 7.61% | 4.34% |
| 41 | TRUITY Bartlesville | 7.74% | 5.74% |
| 42 | OKUNITY Stillwater | 7.89% | 7.59% |
| 43 | FORT SILL Lawton | 7.92% | 5.99% |
| 44 | BISON Shawnee | 7.99% | 6.99% |
| 45 | FIRST OKLAHOMA Glenpool | 8.05% | 7.14% |
| 46 | DEPARTMENT OF PUBLIC SAFETY OKLAHOMA CITY | 8.19% | 6.69% |
| 47 | MCALESTER AAP MCALESTER | 8.37% | 5.88% |
| 48 | VELMA Velma | 8.49% | 6.49% |
| 49 | COMANCHE COUNTY Lawton | 8.74% | 7.19% |
| 50 | OKLAHOMA EDUCATORS OKLAHOMA CITY | 9.99% | 9.99% |
| 51 | TEACHERS Oklahoma CIty | 11.68% | 9.74% |
| 52 | GROWING OAKS Goldsby | 13.25% | 5.99% |
| 53 | ENDURANCE Duncan | 13.54% | 12.54% |
Most community credit unions in Oklahoma accept anyone who lives, works, or worships in their service area. Some are employer-based with open membership through small donations to an affiliated organization. Check each credit union's profile for eligibility details.
Credit unions are nonprofits, so they return earnings to members in the form of lower loan rates and higher savings rates. On a $25,000 car loan over 60 months, even a 1% rate difference saves over $600 in interest.
These rates come directly from NCUA Call Report (5300) filings — the same quarterly financial data credit unions are required to submit to their federal regulator. They reflect each CU's reported weighted-average rate, not a promotional floor. Your actual rate will depend on credit score, term length, and vehicle age.
A pre-approval from a credit union lets you negotiate on price, not payment. The dealer can try to beat the rate — but you're in control either way.
Multiple auto loan applications within 14–45 days count as a single hard inquiry. Apply at several credit unions in the same two-week window and take the best offer.
See all credit unions by city, filter by rates, and check Google ratings.