What is the typical credit union auto loan rate in Oklahoma?

The median new auto loan rate Oklahoma credit unions reported on their Q2 2026 call reports was 5.77%, and the median used auto rate was 6.63%. Nationally the medians were 5.46% and 6.32%.

Are these the rates I will get?

No. Each is the rate a credit union entered for that loan type on its call report to NCUA. Your rate depends on your credit, the term, the collateral and the date, and you have to be eligible to join. Use these to see who prices low, then check the credit union's own rate sheet.

Q2 2026 call reports

Credit union loan rates in Oklahoma

Oklahoma credit unions reported a median new auto loan rate of 5.77% on their call reports for the quarter ended June 30, 2026, against 5.46% nationally. Among those with $25 million or more in assets and at least $1 million in auto loans, U. S. Employees O. C. Federal Credit Union reported the lowest, 3.49%.

These are the rates credit unions filed with NCUA, not offers. Your rate depends on credit, term and timing, and you must be eligible to join.

Loan	Oklahoma median	US median
New auto	5.77%	5.46%
Used auto	6.63%	6.32%
Credit card	11.94%	11.50%
Personal	12.22%	11.75%
Mortgage	6.17%	5.75%
Home equity	6.75%	6.75%

Lowest credit card rate reported in Oklahoma: Oklahoma Federal Credit Union, 7.00%. Lowest first mortgage rate: True Sky Federal Credit Union, 3.92%. (Same size rules as the national rankings.)

Every Oklahoma credit union's reported rates

All 52 Oklahoma credit unions that reported at least one loan rate, largest first. A dash means it holds no loans of that type.

Credit union	New auto	Used auto	Credit card	Personal	Mortgage	Home equity
Tinker Federal Credit Union	5.83%	6.86%	13.25%	12.86%	5.75%	10.20%
Ttcu Federal Credit Union	5.74%	5.79%	13.40%	11.24%	6.38%	6.25%
Communication Federal Credit Union	4.99%	5.49%	13.49%	13.24%	6.00%	7.35%
Weokie Federal Credit Union	6.25%	6.85%	–	11.58%	5.94%	6.48%
Truity Federal Credit Union	5.24%	6.99%	12.49%	11.75%	6.38%	7.50%
WeStreet Federal Credit Union	5.99%	5.54%	11.75%	20.00%	6.00%	7.25%
Oklahoma's Federal Credit Union	6.86%	7.46%	14.20%	13.01%	6.38%	6.62%
True Sky Federal Credit Union	4.53%	7.00%	11.88%	12.90%	3.92%	6.50%
Oklahoma Central Credit Union	7.39%	7.39%	–	11.49%	5.88%	8.24%
Fort Sill Federal Credit Union	5.42%	6.95%	11.01%	12.18%	6.25%	6.25%
Allegiance Federal Credit Union	4.49%	6.24%	–	14.24%	6.25%	6.62%
Oklahoma Educators Credit Union	9.99%	9.99%	9.90%	18.00%	3.99%	6.50%
Energy One Federal Credit Union	5.12%	5.93%	–	12.98%	8.87%	7.58%
Red Crown Federal Credit Union	4.99%	4.99%	12.50%	9.99%	4.47%	8.16%
Okunity Federal Credit Union	6.29%	7.89%	–	11.19%	7.00%	6.75%
U. S. Employees O. C. Federal Credit Union	3.49%	3.49%	9.75%	11.24%	5.75%	5.75%
Oklahoma Federal Credit Union	4.99%	4.99%	7.00%	10.24%	6.99%	6.99%
Endurance Federal Credit Union	5.24%	5.24%	12.95%	10.50%	4.00%	–
Municipal Emps CU of Oklahoma City Credit Union	3.94%	5.70%	10.99%	12.10%	4.38%	7.50%
Western Sun Federal Credit Union	6.54%	6.61%	10.00%	13.39%	6.56%	6.59%
Red River Federal Credit Union	5.99%	5.39%	12.25%	17.90%	6.50%	7.62%
The Focus Federal Credit Union	5.89%	6.53%	12.34%	10.03%	4.61%	6.85%
Green Country Federal Credit Union	5.52%	7.18%	9.90%	12.95%	6.06%	6.81%
First Family Federal Credit Union	5.99%	5.99%	9.90%	10.95%	7.00%	–
Southwest Oklahoma Federal Credit Union	6.00%	7.00%	10.90%	9.50%	7.25%	9.25%
Muskogee Federal Credit Union	5.49%	5.49%	7.90%	11.20%	5.88%	6.75%
Cherokee Strip Credit Union	6.06%	8.23%	9.53%	12.40%	8.39%	8.52%
Ou Federal Credit Union	4.24%	5.49%	17.99%	10.74%	6.99%	6.75%
Dfcu Tulsa Federal Credit Union	6.05%	6.58%	11.99%	15.29%	5.84%	6.40%
Fraternal Order of Police Federal Credit Union	4.48%	7.69%	13.56%	9.96%	–	6.65%
Employees Federal Credit Union	4.59%	5.49%	–	9.49%	6.25%	6.75%
Fire Fighters Credit Union	5.78%	6.89%	–	12.26%	–	–
Saint Francis Employees Federal Credit Union	4.35%	4.35%	10.99%	10.99%	–	7.99%
Bison Federal Credit Union	6.99%	7.99%	11.99%	12.99%	–	5.99%
Credit Union One of Oklahoma	4.99%	5.99%	7.99%	9.99%	–	6.49%
Comanche County Federal Credit Union	7.19%	8.74%	13.90%	13.85%	8.24%	–
Ok Federal Credit Union	5.75%	6.45%	–	12.50%	–	6.00%
Energize Credit Union	5.25%	5.25%	–	12.50%	5.50%	–
Department of Public Safety Federal Credit Union	6.69%	8.19%	–	12.19%	–	–
Ok Members First Federal Credit Union	4.86%	6.35%	12.16%	9.06%	6.08%	7.76%
Encentus Federal Credit Union	6.10%	6.82%	10.90%	6.41%	5.03%	7.07%
Integris Federal Credit Union	5.63%	6.46%	13.90%	14.40%	–	–
McAlester Aap Federal Credit Union	5.91%	8.29%	–	13.68%	–	–
Correctional Workers Federal Credit Union	5.90%	6.65%	–	10.09%	3.33%	6.75%
United Members Federal Credit Union	5.36%	6.30%	–	12.35%	8.00%	–
Arbuckle Federal Credit Union	5.49%	6.49%	–	10.00%	7.00%	–
Cooperative Employees Credit Union	8.00%	6.75%	–	16.75%	–	–
Teachers Credit Union	9.76%	11.80%	–	14.50%	–	–
Growing Oaks Federal Credit Union	5.99%	13.25%	–	13.25%	6.50%	–
Otoe-Missouria Federal Credit Union	9.74%	7.49%	–	13.25%	–	–
Velma Federal Credit Union	6.49%	8.49%	–	12.00%	–	–
Morning Star Federal Credit Union	5.64%	12.38%	–	12.67%	–	–

Source: NCUA 5300 Call Report quarterly data, Q2 2026. Not affiliated with NCUA or any credit union. Sort and filter these in the screener · All Oklahoma credit unions · Lowest rates nationally