Auto Loans · Tulsa, Oklahoma
14 credit unions in Tulsa report car loan rates to the NCUA. Rates range from 4.34% to 7.39%.
Updated Q1 2026 · NCUA Call Report data
14
CUs Reporting Rates
4.34%
Lowest New Car Rate
5.65%
City Average Rate
14 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | FRATERNAL ORDER OF POLICE ★ 3.7 · 10 reviews | 4.34% | 7.61% |
| 2 | EMPLOYEES ★ 4.3 · 20 reviews | 4.59% | 5.49% |
| 3 | RED CROWN ★ 3.7 · 53 reviews | 4.99% | 4.99% |
| 4 | OK MEMBERS FIRST ★ 4.4 · 19 reviews | 5.05% | 6.52% |
| 5 | SAINT FRANCIS EMPLOYEES ★ 3.4 · 26 reviews | 5.19% | 5.19% |
| 6 | UNITED MEMBERS ★ 4.6 · 5 reviews | 5.36% | 6.25% |
| 7 | ENERGY ONE ★ 3.5 · 24 reviews | 5.43% | 6.21% |
| 8 | MORNING STAR ★ 1.0 · 1 reviews | 5.50% | 7.50% |
| 9 | ENCENTUS ★ 4.6 · 95 reviews | 5.83% | 6.41% |
| 10 | FIRE FIGHTERS ★ 3.4 · 13 reviews | 5.91% | 6.99% |
| 11 | TTCU ★ 2.8 · 122 reviews | 5.99% | 5.99% |
| 12 | DFCU TULSA ★ 4.7 · 150 reviews | 6.24% | 6.90% |
| 13 | WESTREET ★ 2.5 · 222 reviews | 7.24% | 5.74% |
| 14 | OKLAHOMA CENTRAL ★ 4.2 · 83 reviews | 7.39% | 7.39% |
14 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | RED CROWN ★ 3.7 · 53 reviews | 4.99% | 4.99% |
| 2 | SAINT FRANCIS EMPLOYEES ★ 3.4 · 26 reviews | 5.19% | 5.19% |
| 3 | EMPLOYEES ★ 4.3 · 20 reviews | 5.49% | 4.59% |
| 4 | WESTREET ★ 2.5 · 222 reviews | 5.74% | 7.24% |
| 5 | TTCU ★ 2.8 · 122 reviews | 5.99% | 5.99% |
| 6 | ENERGY ONE ★ 3.5 · 24 reviews | 6.21% | 5.43% |
| 7 | UNITED MEMBERS ★ 4.6 · 5 reviews | 6.25% | 5.36% |
| 8 | ENCENTUS ★ 4.6 · 95 reviews | 6.41% | 5.83% |
| 9 | OK MEMBERS FIRST ★ 4.4 · 19 reviews | 6.52% | 5.05% |
| 10 | DFCU TULSA ★ 4.7 · 150 reviews | 6.90% | 6.24% |
| 11 | FIRE FIGHTERS ★ 3.4 · 13 reviews | 6.99% | 5.91% |
| 12 | OKLAHOMA CENTRAL ★ 4.2 · 83 reviews | 7.39% | 7.39% |
| 13 | MORNING STAR ★ 1.0 · 1 reviews | 7.50% | 5.50% |
| 14 | FRATERNAL ORDER OF POLICE ★ 3.7 · 10 reviews | 7.61% | 4.34% |
A pre-approval from a Tulsa 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 Tulsa in the same window and take the best offer.
See member reviews, branch locations, and full rate details.