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Our vehicle rates

Fixed rate auto loan special

APR* TermType of vehicle
3.99%Up to 4 yearsNew & Used (3 Years Old - 2021 or newer)
4.74%Up to 6 yearsNew & Used (3 Years Old - 2021 or newer)
3.74%Up to 4 yearsNew & Used (3 Years Old - 2021 or newer) Hybrid/Electric cars only
4.49%Up to 6 yearsNew & Used (3 Years Old - 2021 or newer) Hybrid/Electric cars only

This fixed interest rate loan special is available for the purchase of new and used vehicles up to 3 years old.

*APR means annual percentage rate. This is a limited time offer. Based on the results of your credit evaluation and the analysis of your repayment ability, your rate will be within this range, and/or you might be approved for a smaller loan than you requested; your loan might also be denied.

Used Vehicles

APR*TermLoan Amount
6.00% - 16.00% Up to 5 yearsAny, if approved
6.50% - 17.00%Between 6 and 7 years Over $35,000

* APR means annual percentage rate. This is a variable indexed rate based on the Prime Rate published by The Wall Street Journal. Using that rate as reference and, as it fluctuates, your loan rate may change on any of the following dates: the last day of March, June or September or December. An increase in rate might affect your payment amount. OAS FCU lists rate ranges that are applied during loan evaluation. Based on the results of your credit evaluation and the analysis of your repayment ability, you might be approved for a smaller loan than you requested; your loan might also be denied.