Find your new ride at First Rate Autos
Looking for a reliable used car at a great price? Check out the inventory from First Rate Autos! We partner with First Rate Autos to offer high-quality repossessed vehicles, trade-ins, and auction cars - all priced to move fast.
Why Shop First Rate Autos?
- Credit union owned and operated
- Large selection
- Simple, transparent pricing
- Low auto loan rates
Why Buy From First Rate Autos?
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Large Selection: Explore a variety of makes and models through First Rate Autos, including repossessed and trade-in vehicles available right here in Oklahoma City.
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Simple, Transparent Pricing: You’ll always know what you’re paying - just the listed price plus a one-time $250 documentation fee.
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Low Auto Loan Rates: Finance your purchase with a great low rate from USEFCU.
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Local Service You Can Trust: First Rate Autos is credit union owned and operated.
Get Easy Auto Financing with USE Federal Credit Union
Buying a car is even easier with USEFCU auto financing:
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Quick Loan Approvals: Apply online, by phone, or in person - we’ll get you approved fast.
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Flexible Terms: Enjoy up to 100% financing and terms up to 84 months for qualified borrowers.
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Vehicle Protection Options: Add peace of mind with Guaranteed Asset Protection (GAP), Mechanical Breakdown Insurance (MBI), and Payment Protection.
Ready to Save on Your Next Vehicle?
Shop First Rate Autos Apply Now
All loans are subject to credit review and approval. APR = Annual Percentage Rate. Rates, terms, and conditions may change without notice. Contact a USEFCU loan officer for details. USE Federal Credit Union is federally insured by NCUA.
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Use this calculator to determine your projected earnings from our Free Kasasa Cash Checking account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly interest earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term Share Certificates can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total dividends earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Certificates
| Term | Tier | APY |
|---|---|---|
| 6 Months | $500 - $100,000+ | 3.50% |
| 12 Months | $500 - $100,000+ | 3.25% |
| 24 Months | $500 - $100,000+ | 3.15% |
| 36 Months | $500 - $100,000+ | 3.00% |
| 48 Months | $500 - $100,000+ | 3.00% |
All certificate dividends are compounded monthly. Rates shown are APY (Annual Percentage Yield). Unless otherwise indicated, the minimum amount for certificates is $500. The minimum deposit for any CD Specials is $25,000. Rates are effective as of 10/1/2025. Fees may reduce earnings. For all accounts, the amount of the early withdrawal penalty for your accounts is based on the term of your account. The penalty schedule is as follows:
| 6 Month Terms | 90 days' dividends |
| 12/24 Month Terms | 180 days' dividends |
| 36/48 Month Terms | 360 days' dividends |
Home Equity Loans
| Product | Term | Rate | APR |
|---|---|---|---|
| Home Equity | 7 yr. Fixed | 5.75% | 5.95% |
| Home Equity | 10 yr. Fixed | 6.00% | 6.149% |
| Home Equity | 15 yr. Fixed | 6.25% | 6.355% |
| Home Equity | 20 yr. Fixed | 6.50% | 6.585% |
| Home Equity Line of Credit (HELOC) | Contingent on loan amount. $100,000 maximum. | 7.50% |
Rates are current as of 9/24/2025. Rate may vary depending on lien position and credit score.
Home Loans
| Product | Term | Rate | APR |
|---|---|---|---|
| Conventional | 30 Year Fixed | 6.375% | 6.488% |
| Conventional | 15 Year Fixed | 5.875% | 6.146% |
| FHA | 30 Year Fixed | 6.00% | 6.821% |
| FHA | 15 Year Fixed | 5.25% | 6.09% |
| VA | 30 Year Fixed | 6.00% | 6.349% |
| VA | 15 Year Fixed | 5.25% | 5.958% |
| ARM (Adjustable Rate Mortgage) | 30 Year; 5/1 | 5.375% | 6.116% |
| ARM (Adjustable Rate Mortgage) Cash-out | 30 Year; 5/1 | 6.00% | 6.202% |
| ARM (Adjustable Rate Mortgage) | 15 Year; 5/1 | 4.875% | 5.672% |
| ARM (Adjustable Rate Mortgage) Cash-out | 15 Year; 5/1 | 5.625% |
6.031% |
Rates are current as of 9/24/2025. Rates provided are for best rate available and may change without notice. The Annual Percentage Rate (APR) is applicable and will change based on loan amount, examples are based on $200,000 loan amount. For the most up-to-date rates, please contact our mortgage department. Detailed rates and terms will be provided after a completed loan application has been reviewed by a USE Federal Credit Union Mortgage Loan Officer.
IRA Certificates
| Term | Tier | APY |
|---|---|---|
| 6 Months | $500 - $100,000+ | 3.50% |
| 12 Months | $500 - $100,000+ | 3.25% |
| 24 Months | $500 - $100,000+ | 3.15% |
| 36 Months | $500 - $100,000+ | 3.00% |
| 48 Months | $500 - $100,000+ | 3.00% |
All certificate dividends are compounded monthly. Rates shown are APY (Annual Percentage Yield). Unless otherwise indicated, the minimum amount for certificates is $500. The minimum deposit for any CD Specials is $25,000. Rates are effective as of 10/1/2025. Fees may reduce earnings. For all accounts, the amount of the early withdrawal penalty for your accounts is based on the term of your account. The penalty schedule is as follows
| 6 Month Terms | 90 days' dividends |
| 12/24 Month Terms | 180 days' dividends |
| 36/48 Month Terms | 360 days' dividends |
Loans
| Loan | Terms | APR |
|---|---|---|
| New & Used Autos | 2023 and newer up to 72 months; 2020 - 2022 up to 60 months; 2019 and older up to 48 months |
as low as 5.49% |
| Motorcycles | up to 48 months | as low as 8.99% |
| ATVs/UTVs | up to 48 months | as low as 8.99% |
| Express Home Improvement | $10,000 = 10 Year ; $10,001 - $25,000 = 15 Year | 6.99% |
| Share Secured Loans | up to 60 months | 3.50% |
| Share Certificate Loans | Equal to term of certificate | 3.50% above certificate rate |
| Signature Loans | Contingent on loan amount | as low as 11.24% |
*Current loan interest rates are effective 10/1/2025 until further notice. Auto loan rate quoted is our pre-approval rate. The maximum limit on Express Home Improvement is $25,000. All loan rates are quoted using APR (Annual Percentage Rate). Extended terms available with rate pricing adjustment.
Money Market Share Account
| Balance | APY |
|---|---|
| $2,000 - $24,999 | 1.25% |
| $25,000 - $99,999 | 1.25% |
| $100,000+ | 1.25% |
Personal Credit Cards
| Loan | APR | |
|---|---|---|
| Platinum Rewards | 13.25% or 15.25% (variable) | |
| Platinum |
10.50% or 13.50% (variable) |
The above rates for our Platinum and Platinum Rewards credit cards will vary based on the Prime Rate. Rates are subject to change. APR (Annual Percentage Rate) applies.
Share Accounts
| Account | APY |
|---|---|
| Free Checking | 0.00% |
| Savings Account | 0.25% |
