Auto Loan Rates

Vehicle Loans
New Autos
APR**: 2.49% - 11.64%
Max Term*: 84 Months
Amount Financed****: Up to 100% LTV
Used Autos
APR**: 2.49% - 10.99%***
Max Term*: 72 Months
Amount Financed****: Up to 100% LTV

Vehicles with more than 5,000 miles will be classified as used auto. Minimum vehicle year is 2009.
*Maximum term not available on all loan amounts. Contact Orange County's Credit Union for details.
**APR=Annual Percentage Rate and is determined by your credit qualifications. The APR of 2.49% is for up to 60 months and includes 0.25% discount for Automatic Payments via OCCU Account or Payroll Deductions.
***Mileage that exceeds 100,000 may cause an increase in interest rate (certain restrictions apply).
****We may finance up to 100% of purchase price including tax, license and warranty. If Amount Financed exceeds vehicle value it may cause an increase in interest rate (certain restrictions apply). We use M.S.R.P. (Manufacturer Suggested Retail Price) value for new vehicles and Retail Kelley Blue Book value for used vehicles. The Credit Union reserves the right to limit loan to value (LTV) on all vehicles based on individual credit worthiness.

No Salvaged, Classic, Gray Market or Lemon Law Buy Back vehicles. Please contact Credit Union for details.
There's a $50.00 fee for an OCCU Auto Refinance. There's a $25.00 fee for all Private Party Transactions. These fees are included in the APR calculation.
NOTE: The rates listed above are for personal vehicle loans. For vehicles financed for business use or under a business name, please contact us for pricing, (888), 354-6228 ext. 7437.

 

First Time Auto Buyer
Up to 90% LTV
Amount Financed: up to 90% LTV*
APR: 4.24%
Max Term: 60
up to 100% LTV
Amount Financed: up to 100% LTV**
APR: 4.24%
Max Term: 60

*Max loan amount equal to 75% of annual income not to exceed $20,000.
**Max loan amount equal to 50% of annual income not to exceed $20,000.
We use M.S.R.P. (Manufacturer Suggested Retail Price) value for new vehicles and Retail Kelley Blue Book value for used vehicles. The Credit Union reserves the right to limit loan to value (LTV) on all vehicles based on individual credit worthiness.
***APR is determined by your credit qualifications and includes 0.25% discount for Automatic Payments via OCCU Account or Payroll Deductions. APR=Annual Percentage Rate

This program requires automatic payments, proof of insurance and proof of income before funding.
Minimum 1 year employment and 1 year residency required to qualify; other underwriting guidelines apply. 

 

Motor Homes, Travel Trailers, Van Conversions
New
APR**: 6.99 - 17.99%
Amount Financed***: 80% LTV
Max Term*: 144 months
Used
APR**: 7.49 - 18.49%
Amount Financed***: 80% LTV
Max Term*: 144 months
Motorcycle Loan Products
New Motorcycle 80% LTV
APR**: 6.99 - 17.24%
Amount Financed***: 80% LTV
Max Term*: 48 months
New Motorcycle 100% LTV
APR**: 7.49 - 17.74%
Amount Financed***: 100% LTV
Max Term*: 48 months
Used Motorcycle
APR**: 7.99% - 18.24%
Amount Financed***: 80% LVD
Max Term*: 48 months
Other Auxiliary Loan Products
New Boats and Yachts
APR**: 6.99 - 17.74%
Amount Financed***: 80% LTV
Max Term*: 120 months
New All Terrain Vehicles, Personal Watercraft
APR**: 12.75 - 21.00%
Amount Financed***: 80% LTV
Max Term*: 48 months

Motorcycle includes Cruiser, Touring, Sport Touring and Standard. 

New as indicated on purchase order from dealer / Used all other purchases.
*Maximum term not available on all loan amounts. Contact Orange County's Credit Union for details.
**APR is determined by your credit qualifications and includes 0.25% discount for Automatic Payments via OCCU Account or Payroll Deductions. APR=Annual Percentage Rate
***We may finance up to 100% of purchase price including tax, license and warranty. If Amount Financed exceeds vehicle value it may cause an increase in interest rate (certain restrictions apply). We use M.S.R.P. (Manufacturer Suggested Retail Price) value for new vehicles and Retail Kelley Blue Book value for used vehicles. The Credit Union reserves the right to limit loan to value (LTV) on all vehicles based on individual credit worthiness.

There's a $50.00 fee for an OCCU vehicle refinance. There's a $25.00 fee for all Private Party Transactions. These fees are included in the APR calculation.

NO CASH OUT!

All rates incldue a discount of 0.25% for Platinum status Member. Platinum Member rates require a combined household Credit Union balance of $50,000 + for loans and deposits or has been a Member for 20 years.