Refinancing
Already have an Auto Loan with another financial institution or dealership? Take advantage of our low rates and flexible terms by refinancing your vehicle at OTIS FCU. Refinancing with us is always hassle-free and is available at no extra cost to you. Why not see how much you could start saving today?
Loan terms and interest rates vary depending on credit score. Add 3% to the interest rate for vehicles with over 100,000 miles.
Auto Loan Rates
Cars, Trucks & SUVsRates effective 5/12/2025
| Loan Term | Annual Percentage Rate | Loan Calculator |
|---|---|---|
| 1 year as low as | 4.30% APR | Calculate Your Payment |
| 2 years as low as | 4.35% APR | Calculate Your Payment |
| 3 years as low as | 4.40% APR | Calculate Your Payment |
| 4 years as low as | 4.80% APR | Calculate Your Payment |
| 5 years as low as | 5.10% APR | Calculate Your Payment |
| 6 years as low as | 5.45% APR | Calculate Your Payment |
| 7 years as low as | 6.00% APR | Calculate Your Payment |
