Auto Loan Rates

Interest rates for our New and Used Auto Loan products.

Vehicle Loans

New Autos

APR**: 3.24% - 12.34%
Max Term*: 84 Months
Amount Financed****: Up to 100% LTV

Used Autos

APR**: 3.24% - 12.79%***
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 2011.
*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 3.24% is for up to 60 months and includes 0.25% discount for Automatic Payments via OCCU Account or Payroll Deductions.
****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 vehicles loans. For commercial vehicles or 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 100% LTV

APR***: 4.990%
Max Term: 60 Months
Amount Financed: up to 100% LTV**

Up to 90% LTV

APR***: 4.990%
Max Term: 60 Months
Amount Financed: up to 90% LTV*

*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 requires 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.

 

Motor Homes, Travel Trailers, Van Conversions

New RV

APR**: 6.99 - 17.99%
Max Term*: 144 Months
Amount Financed***: 80% LTV

Used RV

APR**: 7.49 - 18.49%
Max Term*: 144 Months
Amount Financed***: 80% LTV
Motorcycle Loan Products

New Motorcycle 80% LTV

APR**: 6.99 - 17.24%
Max Term*: 48 Months
Amount Financed***: 80% LTV

New Motorcycle 100% LTV

APR**: 7.49 - 17.74%
Max Term*: 48 Months
Amount Financed***: 100% LTV

Used Motorcycle

APR**: 7.99% - 18.24%
Max Term*: 48 Months
Amount Financed***: 80% LTV
Other Auxiliary Loan Products

New Boats and Yachts

APR**: 6.99 - 17.74%
Max Term*: 120 Months
Amount Financed***: 80% LTV

New All Terrain Vehicles, Personal Watercraft

APR**: 12.75 - 21.00%
Max Term*: 48 Months
Amount Financed***: 80% LTV

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 include 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.