--- title: "Ocean State Credit Union Rates (Nov 2026): Vehicle 20.00%" description: "Ocean State Credit Union rates today: vehicle loans from 20.00% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Ocean State Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/rhode-island/ocean-state" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Ocean State Credit Union Rates (Nov 2026): Vehicle 20.00% ### Auto & vehicle rates 34 offers | Product | Published | Rate | Term / condition | Status | | **Up to 60-Month New Auto Loan** auto_new_60mo | — APR | 6.000% | 60 mo · new | Context only | | **Up to 36-Month New Auto Loan** auto_new_36mo | — APR | 6.250% | 36 mo · new | Context only | | **60-Month Used Auto Loan** auto_used_60mo | — APR | 6.250% | 60 mo · used | Standard | | **60-Month Auto Loan (2025–2026)** auto_any_60mo | — APR | 6.250% | 60 mo | Standard | | **36-Month New Motorcycle Loan** motorcycle_new_36mo | — APR | 6.500% | 36 mo · new | Standard | | **36-Month Motorcycle Loan** motorcycle_any_36mo | — APR | 6.500% | 36 mo | Standard | | **60-Month New Motorcycle Loan** motorcycle_new_60mo | — APR | 6.750% | 60 mo · new | Standard | | **60-Month Motorcycle Loan** motorcycle_any_60mo | — APR | 6.750% | 60 mo | Standard | | **36-Month Used Auto Loan** auto_used_36mo | — APR | 7.000% | 36 mo · used | Standard | | **24-Month Auto Loan (2019–2020)** auto_any_24mo | — APR | 7.000% | 24 mo | Standard | | **36-Month Auto Loan (2021–2022)** auto_any_36mo | — APR | 7.000% | 36 mo | Standard | | **48-Month Auto Loan (2023–2024)** auto_any_48mo | — APR | 7.000% | 48 mo | Standard | | **24-Month Used Auto Loan** auto_used_24mo | — APR | 7.000% | 24 mo · used | Standard | | **48-Month Used Auto Loan** auto_used_48mo | — APR | 7.000% | 48 mo · used | Standard | | **Up to 72-Month New Auto Loan** auto_new_72mo | — APR | 7.250% | 72 mo · new | Context only | | **36-Month Used Motorcycle Loan** motorcycle_used_36mo | — APR | 7.500% | 36 mo · used | Standard | | **Up to 84-Month New Auto Loan** auto_new_84mo | — APR | 7.750% | 84 mo · new | Context only | | **120-Month New Boat Loan** boat_new_120mo | — APR | 8.000% | 120 mo · new | Standard | | **180-Month New Boat Loan** boat_new_180mo | — APR | 8.000% | 180 mo · new | Standard | | **240-Month New Boat Loan** boat_new_240mo | — APR | 8.000% | 240 mo · new | Standard | | **84-Month New Boat Loan** boat_new_84mo | — APR | 8.000% | 84 mo · new | Standard | | **New RV s (includes Motor Homes and Travel Trailers) (180 months)** rv_new_180mo | — APR | 9.750% | 180 mo · new | Standard | | **New RV s (includes Motor Homes and Travel Trailers) (120 months)** rv_new_120mo | — APR | 9.750% | 120 mo · new | Standard | | **New RV s (includes Motor Homes and Travel Trailers) (84 months)** rv_new_84mo | — APR | 9.750% | 84 mo · new | Standard | | **Ask us about the benefits of GAP Coverage (Older Vehicles)** auto_used_24mo | — APR | 10.000% | 24 mo · used | Standard | | **Used RV s (includes Motor Homes and Travel Trailers) (120 Months)** rv_used_120mo | — APR | 10.000% | 120 mo · used | Standard | | **Used RV s (includes Motor Homes and Travel Trailers) (84 Months)** rv_used_84mo | — APR | 10.000% | 84 mo · used | Standard | | **$50,001 and Higher** auto_any_120mo | 20.000% APR | 10.000% | 120 mo | Standard | | **120-Month Used Boat Loan** boat_used_120mo | 20.000% APR | 8.000% | 120 mo · used | Standard | | **180-Month Used Boat Loan** boat_used_180mo | 20.000% APR | 8.000% | 180 mo · used | Standard | | **84-Month Used Boat Loan** boat_used_84mo | 20.000% APR | 8.000% | 84 mo · used | Standard | | **Pre-Owned Recreational Vehicles (84 Months)** rv_used_84mo | 20.000% APR | 10.000% | 84 mo · used | Standard | | **Pre-Owned Recreational Vehicles (120 Months)** rv_used_120mo | 20.000% APR | 10.000% | 120 mo · used | Standard | | **$25,000 And Less** auto_any_84mo | 20.000% APR | 10.000% | 84 mo | Standard | Ocean State Credit Union auto & vehicle rates as of November 13, 2026 ### HELOC rates 12 offers | Product | Published | Rate | Term / condition | Status | | **5-Year Home Equity Loan (Fixed)** heloc_fixed | — APR | 6.750% | — | Context only | | **Equity Loans (Closed End) (60 months)** heloc | — APR | 6.750% | — | Standard | | **10-Year Home Equity Loan (Fixed)** heloc_fixed | — APR | 7.000% | — | Context only | | **Equity Loans (Closed End) (120 months)** heloc | — APR | 7.000% | — | Standard | | **15-Year Home Equity Loan (Fixed)** heloc_fixed | — APR | 7.250% | — | Context only | | **Equity Loans (Closed End) (180 months)** heloc | — APR | 7.250% | — | Standard | | **Equity Loans (Closed End) (240 months)** heloc | — APR | 7.500% | — | Standard | | **20-Year Home Equity Loan (Fixed)** heloc_fixed | — APR | 7.500% | — | Context only | | **Home Equity PLUS Loans (60 months)** heloc | — APR | 7.750% | — | Standard | | **Home Equity PLUS Loans (120 months)** heloc | — APR | 8.000% | — | Standard | | **Home Equity PLUS Loans (180 months)** heloc | — APR | 8.250% | — | Standard | | **Home Equity PLUS Loans (240 months)** heloc | — APR | 8.500% | — | Standard | Ocean State Credit Union heloc rates as of November 13, 2026 ### Personal loan rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Up to 60-Month Unsecured Personal Loan** personal_unsecured_60mo | — APR | 15.750% | 60 mo | Standard | Ocean State Credit Union personal loan rates as of November 13, 2026 ### Other rates 24 offers | Product | Published | Rate | Term / condition | Status | | **Ask us about the benefits of GAP Coverage (Up to 60 months)** other | — % | 6.000% | — | Standard | | **Ask us about the benefits of GAP Coverage (60 Months)** other | — % | 6.250% | — | Standard | | **Ask us about the benefits of GAP Coverage (Up to 36 Months)** other | — % | 6.250% | — | Standard | | **Ask us about the benefits of GAP Coverage (Model Year 2025-2026)** other | — % | 6.250% | — | Standard | | **Ask us about the benefits of GAP Coverage (New)** other | — % | 6.500% | — | Standard | | **Ask us about the benefits of GAP Coverage (60 months)** other | — % | 6.750% | — | Standard | | **80% Maximum Loan to Value** other | — % | 6.750% | — | Standard | | **Ask us about the benefits of GAP Coverage (36 Months)** other | — % | 7.000% | — | Standard | | **Ask us about the benefits of GAP Coverage (Model Year 2023-2024)** other | — % | 7.000% | — | Standard | | **Ask us about the benefits of GAP Coverage (Model Year 2021-2022)** other | — % | 7.000% | — | Standard | | **Ask us about the benefits of GAP Coverage (Model Year 2019-2020)** other | — % | 7.000% | — | Standard | | **Ask us about the benefits of GAP Coverage (48 Months)** other | — % | 7.000% | — | Standard | | **Ask us about the benefits of GAP Coverage (24 Months)** other | — % | 7.000% | — | Standard | | **Ask us about the benefits of GAP Coverage (Up to 72 months)** other | — % | 7.250% | — | Standard | | **Ask us about the benefits of GAP Coverage (36 months)** other | — % | 7.500% | — | Standard | | **Ask us about the benefits of GAP Coverage (Used)** other | — % | 7.500% | — | Standard | | **100% Maximum Loan to Value** other | — % | 7.750% | — | Standard | | **Ask us about the benefits of GAP Coverage (Up to 84 months)** other | — % | 7.750% | — | Standard | | **Ask us about the benefits of GAP Coverage (180 months)** other | — % | 8.000% | — | Standard | | **Ask us about the benefits of GAP Coverage (240 months*)** other | — % | 8.000% | — | Standard | | **Ask us about the benefits of GAP Coverage (120 months)** other | — % | 8.000% | — | Standard | | **Ask us about the benefits of GAP Coverage (84 months)** other | — % | 8.000% | — | Standard | | **Ask us about the benefits of GAP Coverage (24 months)** other | — % | 10.000% | — | Standard | | **Open** other | — % | 15.000% | — | Standard | Ocean State Credit Union other rates as of November 13, 2026 Vehicle loans available from 20% APR for 120 months. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/rhode-island/ocean-state) , verified from [Ocean State Credit Union's official website](https://www.oceanstatecu.org/) Loading branch locator… ## About Ocean State Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 22.1K Assets $351.3M Founded 1950 Locations reported 7 NCUA charter 66595 Charter type Federally insured state-chartered credit union ### Services and member support - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - First-time homebuyer program - Student scholarships Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Westerly Community** Coventry Branch · Coventry · RI · 02816 Branch in the same ZIP](https://rateapi.dev/credit-unions/rhode-island/westerly-community) [**Navigant** Coventry Crossing · East Greenwich · RI · 02818 About 4.7 miles away](https://rateapi.dev/credit-unions/rhode-island/navigant) [**Natco Employees** Corporate Office · West Warwick · RI · 02893 About 5.1 miles away](https://rateapi.dev/credit-unions/rhode-island/natco-employees) [**Cranston Municipal Employees** Oaklawn Branch · Cranston · RI · 02920 About 8.0 miles away](https://rateapi.dev/credit-unions/rhode-island/cranston-municipal-employees) [**Wave** Corporate Office · Warwick · RI · 02886-1606 About 8.2 miles away](https://rateapi.dev/credit-unions/rhode-island/wave) [**Coastal1** Post Road Branch · Warwick · RI · 02886-7145 About 8.4 miles away](https://rateapi.dev/credit-unions/rhode-island/coastal1) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Ocean State Credit Union Membership eligibility from Ocean State Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Ocean State Credit Union's website. Check the membership page below to confirm whether you qualify. **Cost to join:** About $5. Verified from [Ocean State Credit Union's membership page](https://www.oceanstatecu.org/resources/about-ocean-state-credit-union/) . Final membership determination is always made by the credit union. ## Work at Ocean State Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Ocean State Credit Union ranks against Rhode Island peers. - See which AI assistants fetched Ocean State Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Rhode Island - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=ocean-state&state=rhode-island&code=RI&name=Ocean%20State%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Ocean State Credit Union offer? Ocean State Credit Union currently offers vehicle loan, HELOC, and personal loan rates. The rates shown on this page were last verified November 13, 2026 directly from the credit union's official website. ### How often are Ocean State Credit Union rates updated? RateAPI verifies Ocean State Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 13, 2026. ### Where does RateAPI get Ocean State Credit Union's rate data? Rate data is collected directly from Ocean State Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What are Ocean State Credit Union's auto, rv, boat & motorcycle loan rates? As of November 13, 2026, Ocean State Credit Union offers vehicle loans from 20% APR. ### Who can join Ocean State Credit Union? Ocean State Credit Union publishes its membership criteria on its own website. ## Related Rate Data Compare Ocean State Credit Union's rates against national credit-union benchmarks. [More Rhode Island credit unions](https://rateapi.dev/credit-unions/rhode-island) [Rhode Island auto loan rate leaders](https://rateapi.dev/auto-loan-rates/rhode-island) [Rhode Island HELOC rate leaders](https://rateapi.dev/heloc-rates/rhode-island) [Rhode Island personal loan leaders](https://rateapi.dev/personal-loan-rates/rhode-island) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.oceanstatecu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Ocean State Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Rhode Island credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Ocean State Credit Union curl "https://api.rateapi.dev/credit-unions/rhode-island /ocean-state " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Ocean State Credit Union locations Search, filter, and browse all 7 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/rhode-island/ocean-state Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp