OCCU (Oregon Community Credit Union)
OCCU — Competitive rates and fast local decision-making for residents of Oregon and Washington.
See your matched lenders and get prequalified. Takes ~3 minutes.
"Not disclosed" means OCCU (Oregon Community Credit Union) does not publish this on their public site. "No restriction" means OCCU (Oregon Community Credit Union) explicitly states no limit.
Overview
OCCU, also known as Oregon Community Credit Union, offers auto refinancing with rates as low as 5.99% APR as of October 1, 2026. You can benefit from quick online approvals and a range of repayment terms that can extend up to 84 months for both new and used vehicles.…
What’s great
- Quick online approvals for purchase or refinance
- Optional rate reduction for automatic payments
- Access to AutoSMART tool for vehicle comparisons
What to know
- Membership restricted to specific regions in the PNW
- Detailed fee schedules may vary by dealership agreement
Eligibility
| Minimum credit score | Not disclosed |
| APR range | Not disclosed |
| APR floor (as low as) | From 5.99% — minimum only; full range not published |
| Maximum vehicle age | Not disclosed |
| Maximum mileage | Not disclosed |
| Loan amount range | Not disclosed |
| Term length | Up to 84 months |
| States served | Not disclosed |
| Membership requirement | Residents of 70 counties in Oregon and Washington, or immediate family members of existing members. |
FAQ
See your matched lenders and get prequalified. Takes ~3 minutes.
Sources
Every figure on this page is sourced from OCCU (Oregon Community Credit Union)'s own published materials. Rates, eligibility, and terms can change — verify directly with OCCU (Oregon Community Credit Union) before applying.
- [1]Auto Loans | OCCU — rates starting at 5.99% APR — OCCUhttps://myoccu.org/personal/loan/auto-loansLast checked: October 2026
- [2]Rates | OCCU — auto loan rates effective 10/01/2026 — OCCUhttps://myoccu.org/ratesLast checked: October 2026