Auto Loans · Oklahoma City, Oklahoma
16 credit unions in Oklahoma City report car loan rates to the NCUA. Rates range from 3.49% to 9.99%.
Updated Q1 2026 · NCUA Call Report data
16
CUs Reporting Rates
3.49%
Lowest New Car Rate
5.98%
City Average Rate
16 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | U. S. EMPLOYEES O. C. ★ 4.5 · 169 reviews | 3.49% | 3.49% |
| 2 | MUNICIPAL EMPS CU OF OKLAHOMA CITY ★ 3.0 · 21 reviews | 3.85% | 5.72% |
| 3 | ALLEGIANCE ★ 4.5 · 274 reviews | 4.49% | 6.24% |
| 4 | TRUE SKY ★ 3.7 · 166 reviews | 4.53% | 7.02% |
| 5 | OKLAHOMA ★ 4.5 · 274 reviews | 4.99% | 4.99% |
| 6 | CREDIT UNION ONE OF OKLAHOMA ★ 3.5 · 94 reviews | 5.24% | 5.99% |
| 7 | ENERGIZE ★ 5.0 · 1 reviews | 5.25% | 5.25% |
| 8 | INTEGRIS ★ 4.0 · 10 reviews | 5.55% | 6.37% |
| 9 | COMMUNICATION ★ 4.0 · 162 reviews | 5.99% | 7.24% |
| 10 | THE FOCUS ★ 4.8 · 466 reviews | 6.04% | 6.68% |
| 11 | TINKER ★ 3.7 · 76 reviews | 6.27% | 6.81% |
| 12 | DEPARTMENT OF PUBLIC SAFETY ★ 4.2 · 11 reviews | 6.69% | 8.19% |
| 13 | WEOKIE ★ 3.7 · 32 reviews | 6.75% | 7.35% |
| 14 | OKLAHOMA'S ★ 4.5 · 274 reviews | 6.85% | 7.40% |
| 15 | TEACHERS ★ 4.7 · 12 reviews | 9.74% | 11.68% |
| 16 | OKLAHOMA EDUCATORS ★ 3.5 · 221 reviews | 9.99% | 9.99% |
16 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | U. S. EMPLOYEES O. C. ★ 4.5 · 169 reviews | 3.49% | 3.49% |
| 2 | OKLAHOMA ★ 4.5 · 274 reviews | 4.99% | 4.99% |
| 3 | ENERGIZE ★ 5.0 · 1 reviews | 5.25% | 5.25% |
| 4 | MUNICIPAL EMPS CU OF OKLAHOMA CITY ★ 3.0 · 21 reviews | 5.72% | 3.85% |
| 5 | CREDIT UNION ONE OF OKLAHOMA ★ 3.5 · 94 reviews | 5.99% | 5.24% |
| 6 | ALLEGIANCE ★ 4.5 · 274 reviews | 6.24% | 4.49% |
| 7 | INTEGRIS ★ 4.0 · 10 reviews | 6.37% | 5.55% |
| 8 | THE FOCUS ★ 4.8 · 466 reviews | 6.68% | 6.04% |
| 9 | TINKER ★ 3.7 · 76 reviews | 6.81% | 6.27% |
| 10 | TRUE SKY ★ 3.7 · 166 reviews | 7.02% | 4.53% |
| 11 | COMMUNICATION ★ 4.0 · 162 reviews | 7.24% | 5.99% |
| 12 | WEOKIE ★ 3.7 · 32 reviews | 7.35% | 6.75% |
| 13 | OKLAHOMA'S ★ 4.5 · 274 reviews | 7.40% | 6.85% |
| 14 | DEPARTMENT OF PUBLIC SAFETY ★ 4.2 · 11 reviews | 8.19% | 6.69% |
| 15 | OKLAHOMA EDUCATORS ★ 3.5 · 221 reviews | 9.99% | 9.99% |
| 16 | TEACHERS ★ 4.7 · 12 reviews | 11.68% | 9.74% |
A pre-approval from a Oklahoma City 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 Oklahoma City in the same window and take the best offer.
See member reviews, branch locations, and full rate details.