OUCU Financial Credit Union, Inc.
Verified rate book
Current OUCU Financial Credit Union, Inc. rates
32 published offers verified as of August 4, 2026.
Auto & vehicle rates
11 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| New Auto Loan (2025 and Newer)auto_new | 5.490% APR | 5.490% | new | Standard |
| New vehicles 2025 and newer (current model year or prior model year with fewer than 15,000 miles)auto_new_72mo | 5.740% APR | 5.740% | 72 mo · new | Standard |
| 72-Month New Auto Loan (2025 and Newer)auto_new_72mo | 5.740% APR | 5.740% | 72 mo · new | Standard |
| Used Auto Loan (2021–2024)auto_used | 5.990% APR | 5.990% | used | Standard |
| New vehicles 2025 and newer (current model year or prior model year with fewer than 15,000 miles)auto_new_84mo | 5.990% APR | 5.990% | 84 mo · new | Standard |
| 84-Month New Auto Loan (2025 and Newer)auto_new_84mo | 5.990% APR | 5.990% | 84 mo · new | Standard |
| 72-Month Used Auto Loan (2021–2024)auto_used_72mo | 6.240% APR | 6.240% | 72 mo · used | Standard |
| Used Auto Loan (2020 and Older)auto_used | 6.240% APR | 6.240% | used | Standard |
| 72-Month Used Auto Loan (2020 and Older)auto_used_72mo | 6.490% APR | 6.490% | 72 mo · used | Standard |
| New Securedauto_new | 7.490% APR | 7.490% | new | Standard |
| Used Securedauto_used | 7.740% APR | 7.740% | used | Standard |
HELOC rates
4 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| HELOC (Up to 80% LTV) Interest Onlyheloc_variable | 6.250% APR | 6.250% | — | Standard |
| Home Equity Loan (Fixed)heloc_fixed | 6.750% APR | 6.750% | — | Standard |
| HELOC (81-90% LTV)heloc_variable | 7.750% APR | 7.750% | — | Standard |
| HELOC (91-95% LTV)heloc_variable | 8.750% APR | 8.750% | — | Standard |
Personal loan rates
3 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Share or Certificate Securedpersonal_secured | 3.000% APR | 3.000% | — | Standard |
| Signature Loanpersonal_unsecured | 10.990% APR | 10.990% | — | Standard |
| Personal Line of Creditploc_variable | 10.990% APR | 10.990% | — | Standard |
Credit card rates
5 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Computer Loancredit_card | 10.240% APR | 10.240% | — | Standard |
| Platinum Credit Cardcredit_card_platinum | 11.750% APR | 11.750% | — | Standard |
| Visa Platinum Rewardscredit_card_rewards | 14.750% APR | 14.750% | — | Standard |
| Visa Business Platinum Rewardscredit_card_business | 14.750% APR | 14.750% | — | Standard |
| Visa Signature Unlimited Cash Backcredit_card_cash_back | 15.740% APR | 15.740% | — | Standard |
Savings & CD rates
9 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Money Max Savings (Monthly)savings | 0.50% APY | 0.50% | — | Standard |
| IRA High Yield Savings (Monthly)ira | 0.55% APY | 0.55% | — | Standard |
| 48-Month Certificatecd_48mo | 3.00% APY | 3.00% | 48 mo | Standard |
| 36-Month Certificatecd_36mo | 3.00% APY | 3.00% | 36 mo | Standard |
| 60-Month Certificatecd_60mo | 3.00% APY | 3.00% | 60 mo | Standard |
| 24-Month Certificatecd_24mo | 3.25% APY | 3.25% | 24 mo | Standard |
| 12-Month Certificatecd_12mo | 3.45% APY | 3.45% | 12 mo | Standard |
| 12-Month Certificatecd_12mo | 4.00% APY | 3.94% | 12 mo | Standard |
| 25-Month Certificatecd_25mo | 4.10% APY | 4.10% | 25 mo | Standard |
Auto loans available from 5.49% APR. HELOC rates from 6.25% APR. Personal loan rates from 3% APR. Credit card rates from 10.24% APR. Savings and certificate yields up to 4.10% APY.
Source: RateAPI.dev, verified from OUCU Financial Credit Union, Inc.'s official website
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About OUCU Financial Credit Union, Inc.
Institution facts reported to the National Credit Union Administration for Invalid Date.
- Members
- 26.3K
- Assets
- $520.9M
- Founded
- 1955
- Locations reported
- 5
- NCUA charter
- 61048
- Charter type
- Federally insured state-chartered credit union
Services and member support
- Online membership application
- Online loan application
- Open an account online
- Electronic statements
- Mobile check deposit
- Financial counseling
- Financial education
- First-time homebuyer program
- Student scholarships
Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.
Other credit unions with branches nearby
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Who Can Join OUCU Financial Credit Union, Inc.
Membership eligibility from OUCU Financial Credit Union, Inc.'s own published criteria. How we verify this.
Membership criteria are published on OUCU Financial Credit Union, Inc.'s website. Check the membership page below to confirm whether you qualify.
Verified from OUCU Financial Credit Union, Inc.'s membership page. Final membership determination is always made by the credit union.
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Frequently Asked Questions
What rates does OUCU Financial Credit Union, Inc. offer?
OUCU Financial Credit Union, Inc. currently offers Auto loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.
How often are OUCU Financial Credit Union, Inc. rates updated?
RateAPI verifies OUCU Financial Credit Union, Inc.'s rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.
Where does RateAPI get OUCU Financial Credit Union, Inc.'s rate data?
Rate data is collected directly from OUCU Financial Credit Union, Inc.'s official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.
What are OUCU Financial Credit Union, Inc.'s auto loan rates?
As of August 4, 2026, OUCU Financial Credit Union, Inc. offers auto loans from 5.49% APR.
What is OUCU Financial Credit Union, Inc.'s HELOC rate?
As of August 4, 2026, OUCU Financial Credit Union, Inc. offers home equity lines of credit from 6.25% APR.
What is OUCU Financial Credit Union, Inc.'s personal loan rate?
As of August 4, 2026, OUCU Financial Credit Union, Inc. offers personal loans from 3% APR.
What is OUCU Financial Credit Union, Inc.'s best CD rate?
As of August 4, 2026, OUCU Financial Credit Union, Inc. offers savings and certificate (CD) yields up to 4.10% APY.
Related Rate Data
Compare OUCU Financial Credit Union, Inc.'s rates against national credit-union benchmarks.
Source Information
Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.
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