Vehicle Loans
Rates effective as of June 20, 2025.
Vehicle Loans
Vehicle Loans
New & Used Cars, Trucks, and Passenger Vans
| Vehicle Year | Term | APR as low as |
|---|---|---|
| 2022 – 2026 | 12 – 48 months | 4.99% |
| 2022 – 2026 | 49 – 60 months | 5.49% |
| 2022 – 2026 | 61 – 75 months | 5.99% |
| 2022 – 2026 | 76 – 84 months | 6.49% |
| 2015 – 2021 | 12 – 48 months | 5.49% |
| 2015 – 2021 | 49 – 60 months | 5.99% |
| 2015 – 2021 | 61 – 75 months | 6.49% |
| 2015 – 2021 | 76 – 84 months | 6.99% |
| 2014 & Older | 12 – 48 months | 6.99% |
| 2014 & Older | 49 – 60 months | 7.49% |
Rates are subject to change. The rates and terms listed apply to members with excellent credit histories. Other members may qualify but rates and terms may vary. Contact a loan officer at any branch for more details.
Example: You could pay $363 per month for a $20,000 loan on approved credit 5.99% Annual Percentage Rate for 65 months. Lower rates available for 48 month and 60 month terms.
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Powersports
New & Used Motorcycles, ATVs, Jet Skis, and Snowmobiles
| Type | Term | APR as low as |
|---|---|---|
| New | 12 – 60 months | 8.00% |
| New | 61 – 75 months | 8.50% |
| Used | 12 – 60 months | 9.00% |
| Used | 61 – 75 months | 9.50% |
Rates are subject to change. The rates and terms listed apply to members with excellent credit histories. Other members may qualify but rates and terms may vary. Contact a loan officer at any branch for more details.
Example: You could pay $306 per month for a $15,000 loan on approved credit 8.00% Annual Percentage Rate for 60 months.
Apply for a Vehicle Loan Online
Recreational Vehicles
New Travel Trailers, Camping Trailers, Fifth Wheels, Motor Homes
| Type | Term | APR as low as |
|---|---|---|
| New | 12 – 72 months | 7.50% |
| New | 73 – 84 months | 7.75% |
| New | 85 – 120 months | 8.00% |
| New | 121 – 144 months | 8.50% |
| Used | 12 – 72 months | 8.00% |
| Used | 73 – 84 months | 8.25% |
| Used | 85 – 120 months | 8.50% |
| Used | 121 – 144 months | 9.00% |
Rates are subject to change. The rates and terms listed apply to members with excellent credit histories. Other members may qualify but rates and terms may vary. Contact a loan officer at any branch for more details.
Example: You could pay $1,062 per month for a $95,000 loan on approved credit 8.50% Annual Percentage Rate for 144 months.
Apply for a Vehicle Loan Online
Boats
New & Used Boats, Motors and Trailers
| Type | Term | APR as low as |
|---|---|---|
| New | 12 – 60 months | 7.50% |
| New | 61 – 72 months | 8.50% |
| New | 73 – 120 months | 9.50% |
| Used | 12 – 60 months | 8.50% |
| Used | 61 – 72 months | 9.50% |
| Used | 73 – 120 months | 10.50% |
Rates are subject to change. The rates and terms listed apply to members with excellent credit histories. Other members may qualify but rates and terms may vary. Contact a loan officer at any branch for more details.
Example: You could pay $521 per month for a $40,000 loan on approved credit 9.50% Annual Percentage Rate for 120 months.
Apply for a Vehicle Loan Online
Horse & Utility Trailers
| Type | Term | APR as low as |
|---|---|---|
| New/Used | 12 – 60 months | 9.00% |
Rates are subject to change. The rates and terms listed apply to members with excellent credit histories. Other members may qualify but rates and terms may vary. Contact a loan officer at any branch for more details.
Example: You could pay $209 per month for a $10,000 loan on approved credit 9.00% Annual Percentage Rate for 60 months.
Apply for a Vehicle Loan Online
Repossessed Vehicles
| Term | APR as low as |
|---|---|
| 12 – 75 months | 1.99% |
Rates are subject to change. Contact a loan officer at any branch for more details.
Example: You could pay $213 per month for a $15,000 loan on approved credit 1.99% Annual Percentage Rate for 75 months.
Make an offer by submitting bid-sheets directly to the Collections Dept.
For additional information, contact: OFCU Collection Department at:
575-434-8527 or 575-434-8542. Toll Free: 1-800-376-9000.
Apply for a Vehicle Loan Online
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