Auto Loans

Dreaming of purchasing a vehicle or refinancing your current vehicle? Pick One Source, of course! We have great rates, flexible terms, and a friendly staff at your disposal. NO payments for 90 days* available depending on your credit score. Apply online or simply stop by at any of our branches. All rates shown are based on Annual Percentage Rate, term, and are dependent on credit score and credit approval.

*Certain restrictions apply. Offer based on approved credit. Interest continues to accrue on 90 days no payment. See credit union for details.


Learn about Protecting Your Loans

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Through IWS, One Source is offering these amazing new services below:

Premier Mechanical Protection Program - VSA (Vehicle Service Agreement)

  • Up to 50% less than dealer warranties
  • 24/7 Emergency Roadside Assistance
  • Rental Car, Towing & Trip Interruption
  • Increased Vehicle Resale Value
  • Nationwide Protection
  • 60 Day Free Look


Key Guard Emergency Assistance Service

24/7 Emergency Service for:

  • Multiple key replacement
  • Lock out assistance for your vehicle or home
  • Emergency transportation assistance taxi and/or rental
  • Trip interruption
  • Emergency towing and more…


Auto Support- A Complimentary Program

  • Auto Deductible Reimbursement
  • Personal ID restoration consulting
  • Warranty Vault


GAP Coverage - Total Loss & Theft Program

  • GAP pays the difference between the outstanding scheduled principal balance and the vehicle's actual cash value, determined by your primary auto insurance carrier, on your auto loan or lease in the event of total loss or theft. GAP covers up to $1,000 of the borrower's deductible if there is a "GAP" after the primary insurance settlement is paid
  • The Insurance Information Institute estimates that one vehicle is stolen in the United States every 24 seconds
  • Insurance companies report that on an annual basis, they write off 500,00 insured vehicles due to total loss, fire or theft


Loan balance after 1 year                    $15,000

Vehicle's Actual Cash Value (ACV)     $10,000

Member deductible                              $500

Insurance Settlement                          $9,500

The GAP                                             $5,500

GAP Pays                                           $5,500



For over 27 years, IWS Acquisition Corp. (IWS) has protected credit union members with vehicle protection products: Vehicle Service Agreements (VSA), Guaranteed Asset Protection (GAP) Auto Deductible Reimbursement (Auto Support+), and Appearance Protection (RestoraGuard). IWS delivers non-interest income for the credit union, protection for the member and a great member experience. People first. Products that work.

*APR is annual percentage rate. Interest continues to accrue on 90 days no payment. Offer good on approved credit only. Must be a OSFCU member. Certain restrictions apply. See credit union for details. Federally Insured by NCUA.