Auto Loans · Oshkosh, Wisconsin
4 credit unions in Oshkosh report car loan rates to the NCUA. Rates range from 3.99% to 5.80%.
Updated Q1 2026 · NCUA Call Report data
4
CUs Reporting Rates
3.99%
Lowest New Car Rate
5.00%
City Average Rate
4 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | RIPPLE ★ 4.3 · 26 reviews | 3.99% | 4.49% |
| 2 | VERVE, A CREDIT UNION ★ 3.8 · 94 reviews | 4.74% | 4.74% |
| 3 | OSHKOSH COMMUNITY ★ 3.9 · 16 reviews | 5.48% | 7.23% |
| 4 | WINNEBAGO COMMUNITY ★ 3.9 · 30 reviews | 5.80% | 6.82% |
4 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | RIPPLE ★ 4.3 · 26 reviews | 4.49% | 3.99% |
| 2 | VERVE, A CREDIT UNION ★ 3.8 · 94 reviews | 4.74% | 4.74% |
| 3 | WINNEBAGO COMMUNITY ★ 3.9 · 30 reviews | 6.82% | 5.80% |
| 4 | OSHKOSH COMMUNITY ★ 3.9 · 16 reviews | 7.23% | 5.48% |
A pre-approval from a Oshkosh 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 Oshkosh in the same window and take the best offer.
See member reviews, branch locations, and full rate details.