Oregon State Credit Union
Oregon State CU — refinance APRs as low as 5.44%, terms up to 96 months.
See your matched lenders and get prequalified. Takes ~3 minutes.
"Not disclosed" means Oregon State Credit Union does not publish this on their public site. "No restriction" means Oregon State Credit Union explicitly states no limit.
Overview
Oregon State Credit Union publishes a dedicated auto refinance offer: as-low-as APRs of 5.44% for loans refinanced from another financial institution, with terms up to 96 months and vehicles up to 15 years old.…
What’s great
- Refinances auto loans from other financial institutions
- As-low-as refinance APRs from 5.44%
- Terms up to 96 months and vehicles up to 15 years old
What to know
- Credit union membership is required; eligibility is tied to 28 Oregon counties plus two Washington counties
- Minimum credit score is not published
Eligibility
| Minimum credit score | Not disclosed |
| APR range | Not disclosed |
| APR floor (as low as) | From 5.44% — minimum only; full range not published |
| Maximum vehicle age | 15 years |
| Maximum mileage | Not disclosed |
| Loan amount range | Not disclosed |
| Term length | Up to 96 months |
| States served | 2 states |
| Membership requirement | You're eligible to join if you live or work in one of these eligible counties (28 Oregon counties plus Clark and Skamania counties in Washington) |
FAQ
See your matched lenders and get prequalified. Takes ~3 minutes.
Sources
Every figure on this page is sourced from Oregon State Credit Union's own published materials. Rates, eligibility, and terms can change — verify directly with Oregon State Credit Union before applying.
- [1]Auto Refinance — Oregon State Credit Unionhttps://www.oregonstatecu.com/auto-loans/refinance/Last checked: October 2026
- [2]Auto Loans — Oregon State Credit Unionhttps://www.oregonstatecu.com/auto-loans/Last checked: October 2026
- [3]Join Us — Oregon State Credit Unionhttps://www.oregonstatecu.com/join-us/Last checked: October 2026