Stop Overpaying. Get Paid to Switch.
Refinance your auto loan, save $1,000+ in interest1, and earn up to $200 cash back2.
Less to the Bank. More to You.
The less you pay on your auto loan, the more you keep for everything else. Find out if you're overpaying and see how much further your money can go with an OMNI auto loan.
- Low Rates: Save more every month with competitive rates.
- Flexible Terms: Choose from flexible terms and down payment options that fit your life.
- Easy Application: Apply in minutes with a friendly local team by your side.
Why Choose OMNI?
Most people don’t know they’re overpaying until they talk to us. With OMNI Community Credit Union, your membership comes with:
- $1,000+ in interest savings when you refinance1
- Up to $200 cash back just for switching2
- Year-end cashback rebates that keep saving you money3
- A friendly local team dedicated to your success
What Our Members Are Saying
"I have been a member from the beginning when it started in a house. Now there are many OMNI CUs in the towns around me. I would not go to a bank. OMNI people are so helpful and I have one a few miles from me. Just GREAT service and perks, like Cash Back, several ways to earn great interest. Love OMNI!!!!"
"The process to get the loan at a good rate was very easy and we have trusted them for a number of years for our car loans and banking needs. We love the banking app to keep us informed on our accounts in real time even when out of town."
Five Minutes Could Save You $1,000+
Wondering how much you’re overpaying on your auto loan? Contact us today to find out.
1. Estimated interest savings are based on a $25,000 used auto loan with a 60-month term. Example comparison assumes a 5.49% Annual Percentage Rate (APR) from OMNI versus a national average of 7.70% APR. Rates are effective as of May 4, 2026, and are subject to change. Actual savings will vary based on creditworthiness, loan amount, term, and other factors. Source: U.S. News & World Report — Average Auto Loan Interest Rates.
2. Cashback Offer Details: Offer valid only for loans refinanced from another lender; existing OMNI loans are not eligible. Eligible collateral includes titled automobiles, RVs, boats, and motorcycles. Offer valid on applications submitted from 7/1/2026 through 9/30/2026. Earn cashback based on loan amount financed: $100.00 cashback for loans from $2,500.00–$19,999.99 and $200.00 cashback for loans of $20,000.00 or more. The total amount financed may include proceeds from loan protection coverage. Cashback will be deposited into the member’s savings account within 14 business days after OMNI perfects its lien on the collateral. Cash back may be considered taxable income and may be reported on IRS Form 1099-MISC. Please consult your tax advisor. Subject to credit approval and membership eligibility requirements.
3. OMNI’s Cashback Rebate: While it is the intent of the OMNI Community Credit Union Board of Directors to pay the Cashback Rebate each year, payment of the Cashback Rebate and/or the amount of the Cashback Rebate is not guaranteed. OMNI Community Credit Union reserves the right to change the Cashback Rebate eligibility criteria.