Can I delay my first payment when I refinance with Orange County's Credit Union?

Yes, you can delay payments for the first 30, 60, or 90 days if you are a qualified member.

How do I qualify for the lowest refinance rate?

You can qualify for the lowest rates by setting up and receiving a minimum direct deposit to the credit union.

All lenders

Best for: Borrowers nationwide seeking low starting rates and flexible terms up to 7 years

Orange County's Credit Union

Orange County's Credit Union — refinance rates as low as 4.49% APR with terms up to 84 months.

Min credit

Not disclosed

APR

4.49%–14.64%

Max vehicle age

Not disclosed

Max mileage

Not disclosed

See your matched lenders and get prequalified. Takes ~3 minutes.

Get matched to lenders and prequalify on banks.com

"Not disclosed" means Orange County's Credit Union does not publish this on their public site. "No restriction" means Orange County's Credit Union explicitly states no limit.

Overview

Orange County's Credit Union offers you competitive auto refinancing with terms up to 84 months and rates starting as low as 4.49% APR. You can choose from various options for new and used vehicles, as well as first-time buyer programs.…

What’s great

Low starting APR floor of 4.49% for you with direct deposit discount
Flexible terms available to you up to 84 months
Nationwide eligibility for you via free American Consumer Council membership

What to know

Lowest advertised rates require you to set up a 0.75% direct deposit discount
Maximum APR can reach 14.64% for your extended terms

Eligibility

Minimum credit score	Not disclosed
APR range	4.49% – 14.64%
Maximum vehicle age	Not disclosed
Maximum mileage	Not disclosed
Loan amount range	Not disclosed
Term length	Up to 84 months
States served	50 states
Membership requirement	Membership is open to you if you reside in Southern California (Orange, Los Angeles, Riverside, or San Bernardino Counties) and nationwide via a free membership in the American Consumer Council.

FAQ

See your matched lenders and get prequalified. Takes ~3 minutes.

Get matched to lenders and prequalify on banks.com

Sources

Every figure on this page is sourced from Orange County's Credit Union's own published materials. Rates, eligibility, and terms can change — verify directly with Orange County's Credit Union before applying.

[1]Auto Loan Interest Rates — Orange County's Credit Union
https://www.orangecountyscu.org/rates/
Last checked: October 2026
[2]Refinance a Car Loan — Orange County's Credit Union
https://www.orangecountyscu.org/products/auto-loans/refinance-a-car-loan/
Last checked: October 2026
[3]Low-Rate Auto Loans — Orange County's Credit Union
https://openaccount.orangecountyscu.org/auto-lp1/
Last checked: October 2026
[4]Membership Eligibility — Orange County's Credit Union
https://www.orangecountyscu.org/eligibility/
Last checked: October 2026