Credit Union of Ohio lists new and used auto loans up to 72 months at a 5.45% APR, effective 11-01-2026, with that APR built on a $225 processing fee. Its rates page does not set a CARFAX rule, so ask what underwriting needs first.
I read Credit Union of Ohio's loan-rates page and about page for this November 5, 2026 guide. The auto table is labelled Effective 11-01-2026. Look, this page shows a fixed rate and an APR side by side, which is useful. The gap between them is the fee at work.
Read the fixed rate and the APR together
The table lists up to 72 months for new and used at a 5.19% fixed rate and 5.45% APR. Up to 84 months is for new vehicles only at 6.19% and 6.45% APR. Cars 2018 and older are limited to 48 months at 7.19% and 7.46% APR. Pick the row that fits your VIN before you compare payments.
Factor in the processing fee
A footnote says the APRs are based on a $30,000 loan at the maximum term with a $225 processing fee. On a smaller loan the fee weighs more. Ask for the APR on your actual amount. Our loan-to-value explainer explains how the book value affects how much they lend.
Ask whether a report is required
The rates page I reviewed does not name a required CARFAX or AutoCheck product, report age or purchaser. Ask whether the credit union orders its own history or needs title papers before funding. Our credit-union branded-title checklist gives you the questions. A seller printout is not independent proof.
Know the former name
The official history page says Credit Union of Ohio was organized in 1967 to serve State of Ohio employees as State Employees Credit Union, and members voted for the new name on July 1, 2003. Other state-employee credit unions are separate lenders. Use cuofohio.org when you apply.
Plan collateral and payoff steps
For a private sale with a lien on the title, ask how Credit Union of Ohio sends the payoff and when the title reaches the lender. Our lien-payoff steps and private-seller lien guide walk through the order of steps so nobody hands over money before the paperwork is lined up. Keep GAP, service contracts and other optional products on separate lines, because they change the amount financed and the real cost. Ask for the payoff letter in writing and check that the VIN on it matches the car.
Compare the same car at two or three lenders
A posted floor rate from Credit Union of Ohio is only useful next to another quote for the same VIN, amount and term. Ask each lender for the APR, any fees and the payment on that exact loan. Small fee differences add up on a short loan. If one lender limits the term on an older car, your payment can move more than the rate does. Write each offer down with the date you got it, since posted rates on these pages can change without notice.
Keep the car checks separate from approval
A loan approval does not certify the car's condition or the seller's ownership story. The NYC consumer-agency used-car guidance tells buyers to get a history report and an independent mechanic, and the federal Buyers Guide rule describes dealer disclosures rather than any credit-union CARFAX mandate. Private sales follow a different disclosure setting. Use our inspection checklist to define the mechanical work before you release funds.
Before you authorize funding
Ask Credit Union of Ohio to confirm the row, the fee on your loan amount and any history-document rule for the car. So, ask for a dated written approval tied to the actual VIN, amount financed and term. Keep the rate quote, collateral answer, purchase agreement and any payoff instructions together. The CFPB auto-loan resources explain how to shop and compare offers; they do not set this lender's underwriting policy.
We are a licensed CARFAX and AutoCheck reseller, not affiliated with CARFAX, AutoCheck or Experian. Guest reports have been about $5.50, member reports about $4.50 and a two-report bundle about $6.75; confirm the price at checkout because it can change. A report can miss unreported work, so keep the inspection appointment even when the history looks quiet.
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