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Texas Best Auto Loan Rates - September 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Texas. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Texas include BELTONBELTON400 N Wall St, Belton, TX, 76513A5.0 ★Texas Ratio: 9.17% offering New Vehicle Loan at 1.99%, HIGHWAY DISTRICT 21HIGHWAY DISTRICT 21600 W Ferguson St, Pharr, TX, 78577A+5.0 ★Texas Ratio: 1.46% offering RATES ON VEHICLES - 2026/2025/2024 Loan at 2.50%, Southern Federal Credit UnionSouthern Federal Credit Union1414 Enclave Pkwy Ste 250, Houston, TX, 77077 2023A+5.0 ★Texas Ratio: 2.90% offering Auto Loans at 2.50%, IBEW Local 66 Federal Credit UnionIBEW Local 66 Federal Credit Union4345 ALLEN GENOA RD, PASADENA, TX, 77504A+5.0 ★Texas Ratio: 3.48% offering New Automobile Loan at 2.95%, TEXOMA EDUCATORSTEXOMA EDUCATORS506 W Lamar St, Sherman, TX, 75090 5840A+5.0 ★Texas Ratio: 2.15% offering New vehicles Loan at 2.99%. Auto loan rates as of September 21, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare auto loan rates across Texas side-by-side. Texas auto loan rates currently start as low as 1.99% APR from BELTON at 400 N Wall St, Belton, TX, 76513. Rates are continually updated, so we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Texas. Auto Loan Rates Last Updated and Verified: September 21, 2026
Compare Auto Loan Rates Today in Texas
Texas Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
BELTON
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
400 N Wall St, Belton, TX, 76513
New Vehicle Loan
1.99%
1 yr.
▼
APR1.99%
Term1 yr.
Last UpdatedSep 18, 2026
Details
Cars, trucks, RVs or tractors. Pending credit approval.
HIGHWAY DISTRICT 21
Institution Rating:
A+5.0 ★ Texas Ratio: 1.46%
600 W Ferguson St, Pharr, TX, 78577
RATES ON VEHICLES - 2026/2025/2024 Loan
2.50%
36 months
▼
APR2.50%
Term36 months
Last UpdatedSep 18, 2026
Details
Southern Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
1414 Enclave Pkwy Ste 250, Houston, TX, 77077 2023
Auto Loans
2.50%
up to 84 months
▼
APR2.50%
Termup to 84 months
Last UpdatedSep 20, 2026
Details
As low as; Loan terms available up to 84 months. Rates of 2.50% to 14.90% APR available depending on term. Rate assumes discount of up to 1.00%. Vehicle discounts include the purchase of vehicle protection products, setting up direct deposit, automatic payments, and a down payment. Credit subject to approval. Must be a member in good standing. Loan interest will accrue during 90-day payment deferral period.
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.48%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
New Automobile Loan
2.95%
0-36 Months
▼
APR2.95%
Term0-36 Months
Last UpdatedSep 21, 2026
Details
As Low As; *2.95%
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.48%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
New Car, Truck or SUV Loan
2.95%
up to 84 months
▼
APR2.95%
Termup to 84 months
Last UpdatedSep 21, 2026
Details
As Low As; 1.50% length of Membership Incentive Interest Rate Discount
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.48%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
New Vehicles, New Automobile (NA)
2.95%
0-36 Months
▼
APR2.95%
Term0-36 Months
Last UpdatedSep 21, 2026
Details
Credit Score: A+ (800+)
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.48%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
Pre-Owned (Used) Automobile
2.95%
0-36 Months
▼
APR2.95%
Term0-36 Months
Last UpdatedSep 21, 2026
Details
As Low As:
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.48%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
Pre-Owned (Used) Automobile (UA) - A+ (800
2.95%
0-36 Months
▼
APR2.95%
Term0-36 Months
Last UpdatedSep 21, 2026
Details
Credit Score: A+ (800+)
HIGHWAY DISTRICT 21
Institution Rating:
A+5.0 ★ Texas Ratio: 1.46%
600 W Ferguson St, Pharr, TX, 78577
RATES ON VEHICLES - 2024 Loan
2.99%
48 months
▼
APR2.99%
Term48 months
Last UpdatedSep 18, 2026
Details
HIGHWAY DISTRICT 21
Institution Rating:
A+5.0 ★ Texas Ratio: 1.46%
600 W Ferguson St, Pharr, TX, 78577
RATES ON VEHICLES - 2025 Loan
2.99%
48 months
▼
APR2.99%
Term48 months
Last UpdatedSep 18, 2026
Details
HIGHWAY DISTRICT 21
Institution Rating:
A+5.0 ★ Texas Ratio: 1.46%
600 W Ferguson St, Pharr, TX, 78577
RATES ON VEHICLES - 2026 Loan
2.99%
48 months
▼
APR2.99%
Term48 months
Last UpdatedSep 18, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.15%
506 W Lamar St, Sherman, TX, 75090 5840
New vehicles Loan
2.99%
0-36 months
▼
APR2.99%
Term0-36 months
Last UpdatedSep 18, 2026
Details
Rates below are based on a minimum credit score of 700. Please contact our lending team or visit your nearest Texoma Educators branch for more information. Rates are subject to change without notice.
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.87%
5211 E Parkway St, Groves, TX, 77619
New Auto
3.00%
Up to 36 months
▼
APR3.00%
TermUp to 36 months
Last UpdatedSep 20, 2026
Details
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.81%
2302 Church St, Galveston, TX, 77550
Vehicle Loans - 0-36 Months
3.01%
36 Months
▼
APR3.01%
Term36 Months
Last UpdatedSep 21, 2026
Details
Credit Grade: A+
Members Choice Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.67%
18211 Katy Fwy, Houston, TX, 77094 1395
New and Pre-Owned Autos
3.24%
12-36 Months
▼
APR3.24%
Term12-36 Months
Last UpdatedSep 18, 2026
Details
As low as
Members Choice Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.67%
18211 Katy Fwy, Houston, TX, 77094 1395
New Autos
3.24%
12 - 36 months
▼
APR3.24%
Term12 - 36 months
Last UpdatedSep 18, 2026
Details
Rates as low as*
Members Choice Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.67%
18211 Katy Fwy, Houston, TX, 77094 1395
New or Pre-Owned Auto Loan
3.24%
12 Months
▼
APR3.24%
Term12 Months
Last UpdatedSep 18, 2026
Details
As Low As; Other terms available.
Members Choice Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.67%
18211 Katy Fwy, Houston, TX, 77094 1395
Pre-Owned Autos
3.24%
12 - 36 months
▼
APR3.24%
Term12 - 36 months
Last UpdatedSep 18, 2026
Details
Rates as low as*
Lubrizol Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.53%
205 Center St, Deer Park, TX, 77536 2735
New & Used Automobile Loan
3.24%
24 Mo to 60 Mo
▼
APR3.24%
Term24 Mo to 60 Mo
Last UpdatedSep 21, 2026
Details
Published APR range: 3.24% - 14.49%.
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.81%
2302 Church St, Galveston, TX, 77550
Vehicle Loans - 0-36 Months
3.26%
36 Months
▼
APR3.26%
Term36 Months
Last UpdatedSep 21, 2026
Details
Credit Grade: A
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.81%
2302 Church St, Galveston, TX, 77550
Vehicle Loans - 37-48 Months
3.26%
48 Months
▼
APR3.26%
Term48 Months
Last UpdatedSep 21, 2026
Details
Credit Grade: A+
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
American Airlines Credit Union, Fort Worth, TX, 76155
New Auto
3.34%
Up to 36 Months
▼
APR3.34%
TermUp to 36 Months
Last UpdatedSep 21, 2026
Details
As Low As
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
2901 Sens Rd, La Porte, TX, 77571
New & Used Autos
3.39%
Up to 36 Months
▼
APR3.39%
TermUp to 36 Months
Last UpdatedSep 20, 2026
Details
Published APR range: 3.39% - 12.95%. APR = Annual Percentage Rate; All Rates & Terms are subject to change without notice.
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
2901 Sens Rd, La Porte, TX, 77571
Auto Loan
3.39%
65 months
▼
APR3.39%
Term65 months
Last UpdatedSep 20, 2026
Details
Northeast Texas Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.19%
3320 Lamar Ave, Paris, TX, 75460 5024
New Autos
3.40%
60 mos.
▼
APR3.40%
Term60 mos.
Last UpdatedSep 21, 2026
Details
Northeast Texas Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.19%
3320 Lamar Ave, Paris, TX, 75460 5024
Used Vehicle - 2025 Loan
3.40%
60 mos.
▼
APR3.40%
Term60 mos.
Last UpdatedSep 21, 2026
Details
Northeast Texas Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.19%
3320 Lamar Ave, Paris, TX, 75460 5024
Used Vehicle - 2026-2027 Loan
3.40%
60 mos.
▼
APR3.40%
Term60 mos.
Last UpdatedSep 21, 2026
Details
Star Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
10429 Leopard St, Corpus Christi, TX, 78410 1933
Auto Loans
3.43%
Up to 36 months
▼
APR3.43%
TermUp to 36 months
Last UpdatedSep 18, 2026
Details
Term: Up to 36 months - 84 months
Victoria City County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
205 N Bridge St Ste 111, Victoria, TX, 77901
New & Used Auto Loans
3.47%
36 to 72 Months
▼
APR3.47%
Term36 to 72 Months
Last UpdatedSep 21, 2026
Details
Published APR range: 3.47% to 18.00%. Fixed
USE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.14%
400 S Akard St, Dallas, TX, 75202 5324
New & Used Autos
3.49%
Up to 36 months
▼
APR3.49%
TermUp to 36 months
Last UpdatedSep 16, 2026
Details
As Low As; *
Mount Olive Baptist Church Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.54%
514 NL Robinson Dr, Arlington, TX, 76011 7473
Used Vehicles (1 - 2 yrs. Old) & non-purchase collateral
3.49%
Up to 72 months
▼
APR3.49%
Interest Rate3.49%
TermUp to 72 months
Last UpdatedSep 21, 2026
Details
Published rate range: 3.49% - 11.99%**.
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.20%
7034 Alamo Downs Pkwy, San Antonio, TX, 78238
Auto Loans - 2025 & Newer
3.64%
0 - 36 Months
▼
APR3.64%
Interest Rate3.64%
Term0 - 36 Months
Last UpdatedSep 18, 2026
Details
as low as; Loan Term
Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
183 E Price Rd, Brownsville, TX, 78521
New Auto Loan
3.70%
up to 75 Months
▼
APR3.70%
Termup to 75 Months
Last UpdatedSep 16, 2026
Details
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.13%
2900 Decker Dr, Baytown, TX, 77520 2076
New Autos
3.74%
Up to 36 Months
▼
APR3.74%
TermUp to 36 Months
Last UpdatedSep 18, 2026
Details
Fewer than 7,500 miles
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.13%
2900 Decker Dr, Baytown, TX, 77520 2076
Used Autos
3.74%
Up to 36 Months
▼
APR3.74%
TermUp to 36 Months
Last UpdatedSep 18, 2026
Details
Fewer than 100,000 miles
Brazos Star Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
701 Harvey Rd, College Station, TX, 77840
New or used Vehicles up to three years old Loan
3.75%
Up to 36 Months
▼
APR3.75%
TermUp to 36 Months
Last UpdatedSep 18, 2026
Details
As low as; Vehicles up to three years old
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.81%
2302 Church St, Galveston, TX, 77550
Vehicle Loans - 0-36 Months
3.76%
36 Months
▼
APR3.76%
Term36 Months
Last UpdatedSep 21, 2026
Details
Credit Grade: B
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.81%
2302 Church St, Galveston, TX, 77550
Vehicle Loans - 37-48 Months
3.76%
48 Months
▼
APR3.76%
Term48 Months
Last UpdatedSep 21, 2026
Details
Credit Grade: A
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.81%
2302 Church St, Galveston, TX, 77550
Vehicle Loans - 49-60 Months
3.76%
60 Months
▼
APR3.76%
Term60 Months
Last UpdatedSep 21, 2026
Details
Credit Grade: A+
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
American Airlines Credit Union, Fort Worth, TX, 76155
Used Auto
3.84%
Up to 36 Months
▼
APR3.84%
TermUp to 36 Months
Last UpdatedSep 21, 2026
Details
As Low As
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
2901 Sens Rd, La Porte, TX, 77571
New & Used Autos
3.89%
37-48 Months
▼
APR3.89%
Term37-48 Months
Last UpdatedSep 20, 2026
Details
Published APR range: 3.89% - 12.95%. APR = Annual Percentage Rate; All Rates & Terms are subject to change without notice.
Northeast Texas Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.19%
3320 Lamar Ave, Paris, TX, 75460 5024
New Autos
3.90%
72 mos.
▼
APR3.90%
Term72 mos.
Last UpdatedSep 21, 2026
Details
Texas Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.55%
12611 Fuqua St, Houston, TX, 77034
Auto Loans - Used & New
3.94%
0-36 months
▼
APR3.94%
Term0-36 months
Last UpdatedSep 18, 2026
Details
As Low As; *
Texas Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.55%
12611 Fuqua St, Houston, TX, 77034
Auto Loans - Used & New
3.94%
37-48 months
▼
APR3.94%
Term37-48 months
Last UpdatedSep 18, 2026
Details
As Low As; *
Tyler City Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.19%
3711 Frankston Hwy, Tyler, TX, 75701
New & Used Auto 2022 - 2026
3.95%
Up to 60 months
▼
APR3.95%
TermUp to 60 months
Last UpdatedSep 18, 2026
Details
Rates are subject to change without prior notice. Interest rates are APR=Annual Percentage Rate.
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.48%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
New Automobile Loan
3.95%
37-60 Months
▼
APR3.95%
Term37-60 Months
Last UpdatedSep 21, 2026
Details
3.95%
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.48%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
New Vehicles, New Automobile (NA)
3.95%
37-60 Months
▼
APR3.95%
Term37-60 Months
Last UpdatedSep 21, 2026
Details
Credit Score: A+ (800+)
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.48%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
New Vehicles, New Automobile (NA)
3.95%
0-36 Months
▼
APR3.95%
Term0-36 Months
Last UpdatedSep 21, 2026
Details
Credit Score: A (720-799)
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.48%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
Pre-Owned (Used) Automobile
3.95%
37-60 Months
▼
APR3.95%
Term37-60 Months
Last UpdatedSep 21, 2026
Details
As Low As:
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.48%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
Pre-Owned (Used) Automobile (UA) - A (720-799)
3.95%
0-36 Months
▼
APR3.95%
Term0-36 Months
Last UpdatedSep 21, 2026
Details
Credit Score: A (720-799)
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.48%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
Pre-Owned (Used) Automobile (UA) - A+ (800
3.95%
37-60 Months
▼
APR3.95%
Term37-60 Months
Last UpdatedSep 21, 2026
Details
Credit Score: A+ (800+)
Texasgulf Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
2101 N Fulton st, Wharton, TX, 77488
New or used vehicle loan
3.99%
up to 36 months
▼
APR3.99%
Termup to 36 months
Last UpdatedSep 16, 2026
Details
As Low As; New or used vehicle
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
100 N Kimball Ave Ste 103, Southlake, TX, 76092 8024
New and Used Other Vehicle Loans
3.99%
Up to 12 months
▼
APR3.99%
TermUp to 12 months
Last UpdatedSep 18, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
100 N Kimball Ave Ste 103, Southlake, TX, 76092 8024
New and Used Other Vehicle Loans
3.99%
24 months
▼
APR3.99%
Term24 months
Last UpdatedSep 18, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
100 N Kimball Ave Ste 103, Southlake, TX, 76092 8024
New and Used Other Vehicle Loans
3.99%
36 months
▼
APR3.99%
Term36 months
Last UpdatedSep 18, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
100 N Kimball Ave Ste 103, Southlake, TX, 76092 8024
New and Used Other Vehicle Loans
3.99%
48 months
▼
APR3.99%
Term48 months
Last UpdatedSep 18, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
100 N Kimball Ave Ste 103, Southlake, TX, 76092 8024
New and Used Other Vehicle Loans
3.99%
60 months
▼
APR3.99%
Term60 months
Last UpdatedSep 18, 2026
Details
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.39%
24909 Kuykendahl Rd, Tomball, TX, 77375 3295
NEW Autos - Up to 36 Months
3.99%
Up to 36 Months
▼
APR3.99%
TermUp to 36 Months
Last UpdatedSep 18, 2026
Details
As Low As; Rates as low as 3.99% - 13.00%
United Energy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
8790 FM 1960 Bypass Rd W Ste 500A, Humble, TX, 77338 3950
New/Used Auto
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedSep 18, 2026
Details
80% Financing MSRP or NADA Retail (20% down)
Prestige Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.33%
15203 Knoll Trail Dr Ste 101, Dallas, TX, 75248
Vehicle Loans
3.99%
Up to 36 Months
▼
APR3.99%
TermUp to 36 Months
Last UpdatedSep 18, 2026
Details
Prestige Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.33%
15203 Knoll Trail Dr Ste 101, Dallas, TX, 75248
Vehicle Loans
3.99%
Up to 48 Months
▼
APR3.99%
TermUp to 48 Months
Last UpdatedSep 18, 2026
Details
Prestige Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.33%
15203 Knoll Trail Dr Ste 101, Dallas, TX, 75248
Vehicle Loans
3.99%
Up to 60 Months
▼
APR3.99%
TermUp to 60 Months
Last UpdatedSep 18, 2026
Details
Travis County Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.84%
1101 N Interstate 35, Austin, TX, 78702 1901
Motor Vehicle New and Used Loan
3.99%
48 months
▼
APR3.99%
Term48 months
Last UpdatedSep 18, 2026
Details
Max Loan: 110% of price
Travis County Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.84%
1101 N Interstate 35, Austin, TX, 78702 1901
Motor Vehicle New and Used Loan
3.99%
36 months
▼
APR3.99%
Term36 months
Last UpdatedSep 18, 2026
Details
Max Loan: 110% of price
Scott and White Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
2401 S 31st St, Temple, TX, 76508 0001
Auto Loan
3.99%
up to 84 months
▼
APR3.99%
Termup to 84 months
Last UpdatedSep 18, 2026
Details
As Low As; Financing available for new & used cars, trucks, vans, and SUVs. Low, fixed rates, up to 125% financing.
Houston Highway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.41%
8120 Washington Ave, Houston, TX, 77007
New Vehicle Loan
3.99%
24 - 72+ Months
▼
APR3.99%
Interest Rate3.99%
Term24 - 72+ Months
Last UpdatedSep 18, 2026
Details
Houston Highway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.41%
8120 Washington Ave, Houston, TX, 77007
Used Vehicle Loan
3.99%
24 - 72+ Months
▼
APR3.99%
Interest Rate3.99%
Term24 - 72+ Months
Last UpdatedSep 18, 2026
Details
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.00%
13649 Montfort Dr, Dallas, TX, 75240 2521
New Auto Loans
3.99%
54 months or Less
▼
APR3.99%
Term54 months or Less
Last UpdatedSep 18, 2026
Details
As low as; New Auto Loans
Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
11920 Alterra Pkwy, Austin, TX, 78758
Auto Loans
3.99%
up to 36 months
▼
APR3.99%
Termup to 36 months
Last UpdatedSep 18, 2026
Details
As Low As; *
United Heritage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.97%
12208 N Mopac Expy, Austin, TX, 78758
New/Used Auto Loan
3.99%
0 to 36 Months
▼
APR3.99%
Term0 to 36 Months
Last UpdatedSep 18, 2026
Details
As Low As
First Service Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.56%
3923 5th St, Brookshire, TX, 77423
Auto Loan
3.99%
36 - 84 months
▼
APR3.99%
Term36 - 84 months
Last UpdatedSep 18, 2026
Details
As Low As
Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.41%
17 S 1st St, Temple, TX, 76501 7603
New Auto Loan
3.99%
36 months
▼
APR3.99%
Term36 months
Last UpdatedSep 18, 2026
Details
As Low As
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.15%
506 W Lamar St, Sherman, TX, 75090 5840
New vehicles Loan
3.99%
37-48 months
▼
APR3.99%
Term37-48 months
Last UpdatedSep 18, 2026
Details
Rates below are based on a minimum credit score of 700. Please contact our lending team or visit your nearest Texoma Educators branch for more information. Rates are subject to change without notice.
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.56%
8800 US Highway 380, Cross Roads, TX, 76227
Repo Vehicle Loans
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedSep 18, 2026
Details
Fixed Rate
Secured Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.30%
903 W Highway St, Iowa Park, TX, 76367 1180
New Auto Loans
3.99%
Up to 84 months
▼
APR3.99%
TermUp to 84 months
Last UpdatedSep 21, 2026
Details
As Low As; Rates and terms are subject to credit approval and may vary based on credit history, loan term, vehicle year, mileage, loan-to-value, and how/when the vehicle has been titled. Rates are effective as of 1/1/2026 and subject to change without notice.
Secured Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.30%
903 W Highway St, Iowa Park, TX, 76367 1180
Vehicles Loan
3.99%
Up to 84 months
▼
APR3.99%
TermUp to 84 months
Last UpdatedSep 21, 2026
Details
Term: Up to 84 months, Depending on Age; As Low As
Austin Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.30%
1900 Woodward St, Austin, TX, 78741
Used Vehicles Loan
3.99%
48 months
▼
APR3.99%
Term48 months
Last UpdatedSep 21, 2026
Details
Published APR range: 3.99% to 14.55%.
Rockdale Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.24%
1821 W Cameron Ave, Rockdale, TX, 76567
New Vehicles Loan
3.99%
Up to 36 Months
▼
APR3.99%
Interest Rate3.99%
TermUp to 36 Months
Last UpdatedSep 21, 2026
Details
Rate: 5.94% for Up to 84 Months; Rate: 5.49% for Up to 72 Months; Rate: 4.99% for Up to 60 Months; Rate: 4.69% for Up to 48 months; Rate: 3.99% for Up to 36 Months
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
14090 Southwest Fwy Ste 260, Sugar Land, TX, 77478 3678
New Auto Loan
3.99%
36 months
▼
APR3.99%
Term36 months
Last UpdatedSep 21, 2026
Details
As Low As; Qualifying rate - Conditions apply; Loan amount: Up to $250,000
Sweetwater Regional Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
1900 Preston Rd, Sweetwater, TX, 79556
New Titled Vehicle Loan
3.99%
up to 84 months
▼
APR3.99%
Termup to 84 months
Last UpdatedSep 21, 2026
Details
Published APR range: 3.99%-18.00%. As Low As; ** Rate applies to well-qualified borrowers. See credit union for details.
Sweetwater Regional Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
1900 Preston Rd, Sweetwater, TX, 79556
Used Titled Vehicle Loan
3.99%
up to 60 months
▼
APR3.99%
Termup to 60 months
Last UpdatedSep 21, 2026
Details
Published APR range: 3.99%-18.00%. As Low As; ** Rate applies to well-qualified borrowers. See credit union for details.
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
2610 Network Blvd Ste 600, Frisco, TX, 75034 6009
New Cars and Trucks Loan
4.00%
36 Months
▼
APR4.00%
Interest Rate4.00%
Term36 Months
Last UpdatedSep 16, 2026
Details
New Cars and Trucks**
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
16597 Interstate 45 S, Conroe, TX, 77385
New Vehicle Auto Loan
4.00%
24 Months Fixed
▼
APR4.00%
Term24 Months Fixed
Last UpdatedSep 18, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
16597 Interstate 45 S, Conroe, TX, 77385
New Vehicles Loan
4.00%
24 Months
▼
APR4.00%
Term24 Months
Last UpdatedSep 18, 2026
Details
Fixed Rate
Concho Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.66%
1002 S Abe St, San Angelo, TX, 76903 7240
New Auto
4.00%
36 months
▼
APR4.00%
Term36 months
Last UpdatedSep 18, 2026
Details
As low as; Maximum Loan: 100%
Concho Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.66%
1002 S Abe St, San Angelo, TX, 76903 7240
Used Autos
4.00%
24 to 60 months
▼
APR4.00%
Term24 to 60 months
Last UpdatedSep 18, 2026
Details
As low as; Maximum Loan: NADA RETAIL VALUE
Service 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.01%
10001 Jack Finney Blvd, Greenville, TX, 75402
New Vehicle Loan
4.00%
up to 94 months
▼
APR4.00%
Interest Rate4.00%
Termup to 94 months
Last UpdatedSep 18, 2026
Details
Southern Star Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.29%
16035 W Little York Rd, Houston, TX, 77084
New Auto Loans
4.00%
Up to 36 Months
▼
APR4.00%
TermUp to 36 Months
Last UpdatedSep 18, 2026
Details
As Low As
Temple Inland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.47%
109 N Temple Dr, Diboll, TX, 75941
New & Used Auto
4.00%
36-60 months
▼
APR4.00%
Term36-60 months
Last UpdatedSep 18, 2026
Details
Tier 1 750-up
Temple Inland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.47%
109 N Temple Dr, Diboll, TX, 75941
New & Used Auto
4.00%
61-75 months
▼
APR4.00%
Term61-75 months
Last UpdatedSep 18, 2026
Details
Tier 1 750-up
Sabine Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.14%
1939 Strickland Dr, Orange, TX, 77630 2901
New or Used Autos or Harley Davidson Motorcycles
4.00%
36 months or less
▼
APR4.00%
Term36 months or less
Last UpdatedSep 18, 2026
Details
Port Arthur Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
3001 JIMMY JOHNSON BLVD, PORT ARTHUR, TX, 77642
New Car Loan
4.00%
up to 60 month
▼
APR4.00%
Termup to 60 month
Last UpdatedSep 20, 2026
Details
financing available
1st Community Federal Credit Union
Institution Rating:
B4.5 ★ Texas Ratio: 21.41%
3505 Wildewood Dr, San Angelo, TX, 76904
New Automobiles & Light Trucks
4.00%
36 mos.
▼
APR4.00%
Term36 mos.
Last UpdatedSep 20, 2026
Details
1st Community Federal Credit Union
Institution Rating:
B4.5 ★ Texas Ratio: 21.41%
3505 Wildewood Dr, San Angelo, TX, 76904
Used Automobiles & Light Trucks
4.00%
36 mos.
▼
APR4.00%
Term36 mos.
Last UpdatedSep 20, 2026
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
8500 W Bay Rd # 32, Baytown, TX, 77523 8727
New/Used Vehicles - 730+ Score Loan
4.00%
24 Mo.
▼
APR4.00%
Interest Rate4.00%
Term24 Mo.
Last UpdatedSep 21, 2026
Details
Credit Grade: A+
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
8500 W Bay Rd # 32, Baytown, TX, 77523 8727
New/Used Vehicles - 730+ Score Loan
4.00%
36 Mo.
▼
APR4.00%
Interest Rate4.00%
Term36 Mo.
Last UpdatedSep 21, 2026
Details
Credit Grade: A+
Gulf Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
5140 W Parkway St, Groves, TX, 77619
New & Used Autos
4.00%
36 months
▼
APR4.00%
Term36 months
Last UpdatedSep 21, 2026
Details
As Low As
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.14%
100 Dominion Park Dr, Houston, TX, 77090 6716
New & Used Auto Loan
4.05%
Up to 36 Months
▼
APR4.05%
TermUp to 36 Months
Last UpdatedSep 16, 2026
Details
Model Years: 2019-2025; As Low As
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
2501 S State Highway 121 BUS, Lewisville, TX, 75067 4394
Car Loans
4.05%
2 Yrs
▼
APR4.05%
Term2 Yrs
Last UpdatedSep 18, 2026
Details
Model Year: 2011 to 2015
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.81%
2302 Church St, Galveston, TX, 77550
Vehicle Loans - 0-36 Months
4.06%
36 Months
▼
APR4.06%
Term36 Months
Last UpdatedSep 21, 2026
Details
Credit Grade: C
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.81%
2302 Church St, Galveston, TX, 77550
Vehicle Loans - 37-48 Months
4.06%
48 Months
▼
APR4.06%
Term48 Months
Last UpdatedSep 21, 2026
Details
Credit Grade: B
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.81%
2302 Church St, Galveston, TX, 77550
Vehicle Loans - 49-60 Months
4.06%
60 Months
▼
APR4.06%
Term60 Months
Last UpdatedSep 21, 2026
Details
Credit Grade: A
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.81%
2302 Church St, Galveston, TX, 77550
Vehicle Loans - 61-75 Months
4.06%
75 Months
▼
APR4.06%
Term75 Months
Last UpdatedSep 21, 2026
Details
Credit Grade: A+
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
American Airlines Credit Union, Fort Worth, TX, 76155
New Auto
4.09%
Up to 60 months
▼
APR4.09%
TermUp to 60 months
Last UpdatedSep 21, 2026
Details
As Low As
Mesquite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
1510 N Galloway Ave, Mesquite, TX, 75149
New and Used Vehicles Loan
4.10%
Up to 72 Months
▼
APR4.10%
TermUp to 72 Months
Last UpdatedSep 18, 2026
Details
As Low As
Mesquite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
1510 N Galloway Ave, Mesquite, TX, 75149
New and Used Vehicles Loan
4.10%
up to 84 months
▼
APR4.10%
Termup to 84 months
Last UpdatedSep 18, 2026
Details
As Low As; Rate discounts for having Direct Deposit, Automatic payment transfer, and adding GAP coverage, Warranty or Credit Life/Disability Insurance.
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
16597 Interstate 45 S, Conroe, TX, 77385
New Vehicle Auto Loan
4.12%
36 Months Fixed
▼
APR4.12%
Term36 Months Fixed
Last UpdatedSep 18, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
16597 Interstate 45 S, Conroe, TX, 77385
New Vehicles Loan
4.12%
36 Months
▼
APR4.12%
Term36 Months
Last UpdatedSep 18, 2026
Details
Fixed Rate
Memorial Credit Union Houston, TX
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
7789 Southwest fwy Ste 175, Houston, TX, 77074 1831
New Autos
4.14%
Up to 84 Months
▼
APR4.14%
TermUp to 84 Months
Last UpdatedSep 18, 2026
Details
As Low As; (Based On credit score, loan term, and relationship discounts)
Texas Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.55%
12611 Fuqua St, Houston, TX, 77034
Auto Loans - Used & New
4.14%
49-60 months
▼
APR4.14%
Term49-60 months
Last UpdatedSep 18, 2026
Details
As Low As; *
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.20%
7034 Alamo Downs Pkwy, San Antonio, TX, 78238
Auto Loans - 2025 & Newer
4.14%
37 - 75 Months
▼
APR4.14%
Interest Rate4.14%
Term37 - 75 Months
Last UpdatedSep 18, 2026
Details
as low as; Loan Term
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
2501 S State Highway 121 BUS, Lewisville, TX, 75067 4394
Car Loans
4.15%
3 Yrs
▼
APR4.15%
Term3 Yrs
Last UpdatedSep 18, 2026
Details
Model Year: 2016 to 2019
Temple Inland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.47%
109 N Temple Dr, Diboll, TX, 75941
New & Used Auto
4.15%
36-60 months
▼
APR4.15%
Term36-60 months
Last UpdatedSep 18, 2026
Details
Tier 2 700-749
Temple Inland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.47%
109 N Temple Dr, Diboll, TX, 75941
New & Used Auto
4.15%
61-75 months
▼
APR4.15%
Term61-75 months
Last UpdatedSep 18, 2026
Details
Tier 2 700-749
Chocolate Bayou Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.19%
1301 Highway 35 Byp N, Alvin, TX, 77511 2681
Auto Loan
4.17%
Up to 60 Months
▼
APR4.17%
TermUp to 60 Months
Last UpdatedSep 21, 2026
Details
APR as low as
FAA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
16600 John F Kennedy Blvd, Houston, TX, 77032 6514
Auto Loan
4.19%
36 Months
▼
APR4.19%
Interest Rate4.19%
Term36 Months
Last UpdatedSep 20, 2026
Details
Vehicle Year: 2025 & Newer
City Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.95%
901 S LINCOLN ST, AMARILLO, TX, 79101 3637
Vehicle Loan
4.24%
up to 36 months
▼
APR4.24%
Termup to 36 months
Last UpdatedSep 14, 2026
Details
As Low As
United Credit Union Tyler, TX
Institution Rating:
A-4.9 ★ Texas Ratio: 11.20%
4901 Old Jacksonville Hwy, Tyler, TX, 75703 3373
Auto Loan
4.24%
Up to 48 months
▼
APR4.24%
TermUp to 48 months
Last UpdatedSep 18, 2026
Details
Maximum Available Term: Up to 84 months
Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.41%
17 S 1st St, Temple, TX, 76501 7603
New Auto Loan
4.24%
60 months
▼
APR4.24%
Term60 months
Last UpdatedSep 18, 2026
Details
As Low As
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
5953 Fairmont Pkwy, Pasadena, TX, 77505
Auto Loan
4.24%
Up to 48 months
▼
APR4.24%
TermUp to 48 months
Last UpdatedSep 18, 2026
Details
Loan Amount: 0.75%
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.84%
3301 Airport Fwy Ste 175, Bedford, TX, 76021 6123
New and Used Autos
4.24%
24 Months
▼
APR4.24%
Term24 Months
Last UpdatedSep 21, 2026
Details
Up to 120% Financing on Approved Credit
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.84%
3301 Airport Fwy Ste 175, Bedford, TX, 76021 6123
New and Used Autos
4.24%
36 Months
▼
APR4.24%
Term36 Months
Last UpdatedSep 21, 2026
Details
Up to 120% Financing on Approved Credit
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.39%
24909 Kuykendahl Rd, Tomball, TX, 77375 3295
NEW Autos - Up to 48 Months
4.25%
Up to 48 Months
▼
APR4.25%
TermUp to 48 Months
Last UpdatedSep 18, 2026
Details
As Low As; Rates as low as 4.25% - 13.49%
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.39%
24909 Kuykendahl Rd, Tomball, TX, 77375 3295
USED Autos - Up to 36 Months
4.25%
Up to 36 Months
▼
APR4.25%
TermUp to 36 Months
Last UpdatedSep 18, 2026
Details
As Low As; Rates as low as 4.25% - 13.75%
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
16597 Interstate 45 S, Conroe, TX, 77385
New Vehicle Auto Loan
4.25%
48 Months Fixed
▼
APR4.25%
Term48 Months Fixed
Last UpdatedSep 18, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
16597 Interstate 45 S, Conroe, TX, 77385
New Vehicles Loan
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedSep 18, 2026
Details
Fixed Rate
Brazos Star Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
701 Harvey Rd, College Station, TX, 77840
New or used Vehicles up to three years old Loan
4.25%
48 to 59 Months
▼
APR4.25%
Term48 to 59 Months
Last UpdatedSep 18, 2026
Details
As low as; Vehicles up to three years old
Brazos Star Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
701 Harvey Rd, College Station, TX, 77840
Used Vehicles older than 3 years with less than 85k miles Loan
4.25%
Up to 48 Months
▼
APR4.25%
TermUp to 48 Months
Last UpdatedSep 18, 2026
Details
As low as; Used Vehicles older than 3 years with less than 85k miles
LCRA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.08%
104 E State Highway 71 Byp, La Grange, TX, 78945 4445
Vehicle Loans
4.25%
Up to 48 Months
▼
APR4.25%
TermUp to 48 Months
Last UpdatedSep 18, 2026
Details
Tier Levels: A+
Southern Star Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.29%
16035 W Little York Rd, Houston, TX, 77084
New Auto Loans
4.25%
Up to 48 Months
▼
APR4.25%
TermUp to 48 Months
Last UpdatedSep 18, 2026
Details
As Low As
Southern Star Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.29%
16035 W Little York Rd, Houston, TX, 77084
Used Auto Loans
4.25%
Up to 36 Months
▼
APR4.25%
TermUp to 36 Months
Last UpdatedSep 18, 2026
Details
As Low As
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.03%
2736 Nall St, Port Neches, TX, 77651 5204
New Auto Loans
4.25%
0-24 months
▼
APR4.25%
Term0-24 months
Last UpdatedSep 18, 2026
Details
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.03%
2736 Nall St, Port Neches, TX, 77651 5204
New Auto Loans
4.25%
25-36 months
▼
APR4.25%
Term25-36 months
Last UpdatedSep 18, 2026
Details
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.03%
2736 Nall St, Port Neches, TX, 77651 5204
New Auto Loans
4.25%
37-48 months
▼
APR4.25%
Term37-48 months
Last UpdatedSep 18, 2026
Details
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.03%
2736 Nall St, Port Neches, TX, 77651 5204
Used Auto Loans
4.25%
0-24 months
▼
APR4.25%
Term0-24 months
Last UpdatedSep 18, 2026
Details
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.03%
2736 Nall St, Port Neches, TX, 77651 5204
Used Auto Loans
4.25%
25-36 months
▼
APR4.25%
Term25-36 months
Last UpdatedSep 18, 2026
Details
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.03%
2736 Nall St, Port Neches, TX, 77651 5204
Used Auto Loans
4.25%
37-48 months
▼
APR4.25%
Term37-48 months
Last UpdatedSep 18, 2026
Details
DuGood Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
7505 Eastex Fwy Ste B, Beaumont, TX, 77708
New Auto Loan
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedSep 18, 2026
Details
Vehicle Age: Up to 2026
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
2501 S State Highway 121 BUS, Lewisville, TX, 75067 4394
Car Loans
4.25%
4 Yrs
▼
APR4.25%
Term4 Yrs
Last UpdatedSep 18, 2026
Details
Model Year: 2020 to 2024
Temple Inland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.47%
109 N Temple Dr, Diboll, TX, 75941
New & Used Auto
4.25%
78-84 months
▼
APR4.25%
Term78-84 months
Last UpdatedSep 18, 2026
Details
Tier 1 750-up
Sabine Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.14%
1939 Strickland Dr, Orange, TX, 77630 2901
New Auto
4.25%
60 months
▼
APR4.25%
Term60 months
Last UpdatedSep 18, 2026
Details
Monthly payment amount approximately $18.56 on $1,000 for 60 months at 4.25% APR.
Sabine Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.14%
1939 Strickland Dr, Orange, TX, 77630 2901
New or Used Autos or Harley Davidson Motorcycles
4.25%
48 months or less
▼
APR4.25%
Term48 months or less
Last UpdatedSep 18, 2026
Details
Sabine Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.14%
1939 Strickland Dr, Orange, TX, 77630 2901
New or Used Autos or Harley Davidson Motorcycles
4.25%
60 months or less
▼
APR4.25%
Term60 months or less
Last UpdatedSep 18, 2026
Details
Sabine Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.14%
1939 Strickland Dr, Orange, TX, 77630 2901
Used Auto
4.25%
60 months
▼
APR4.25%
Term60 months
Last UpdatedSep 18, 2026
Details
Monthly payment amount approximately $18.56 on $1,000 for 60 months at 4.25% APR.
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
324 N MAIN AVE, DENVER CITY, TX, 79323 3242
New Auto Loan
4.25%
Up to 3 Years
▼
APR4.25%
TermUp to 3 Years
Last UpdatedSep 20, 2026
Details
Term: Up to 3 Years (1-36M); Vehicle Year: 2025 or Newer; Equifax Score: 750+; Loan to Value Max.(MSRP/NADA Retail): 115%; Debt Ratio Maximum: 48%
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
324 N MAIN AVE, DENVER CITY, TX, 79323 3242
New Auto Loan
4.25%
1-36 months
▼
APR4.25%
Term1-36 months
Last UpdatedSep 20, 2026
Details
Vehicle Year: 2025 or Newer; Loan to Value Max.(MSRP/NADA Retail): 115%; Debt Ratio Maximum: 48%
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
324 N MAIN AVE, DENVER CITY, TX, 79323 3242
Vehicle Loan
4.25%
Up to 3 Years
▼
APR4.25%
TermUp to 3 Years
Last UpdatedSep 20, 2026
Details
Term: Up to 3 Years (1-36M); Equifax Score: 750+; Loan to Value Max.(MSRP/NADA Retail): 115%; Debt Ratio Maximum: 48%
Cy-Fair Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.18%
9601 Jones Rd, Houston, TX, 77065
New & Used Auto
4.25%
36 to 84 Months
▼
APR4.25%
Term36 to 84 Months
Last UpdatedSep 21, 2026
Details
As Low As
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
8500 W Bay Rd # 32, Baytown, TX, 77523 8727
New/Used Vehicles - 730+ Score Loan
4.25%
48 Mo.
▼
APR4.25%
Interest Rate4.25%
Term48 Mo.
Last UpdatedSep 21, 2026
Details
Credit Grade: A+
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
16320 Kensington Dr, Sugar Land, TX, 77479 4097
Used Automobile Loan
4.25%
Up to 36 Months
▼
APR4.25%
TermUp to 36 Months
Last UpdatedSep 21, 2026
Details
As Low As; Fixed Rate
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
14090 Southwest Fwy Ste 260, Sugar Land, TX, 77478 3678
New Auto Loan
4.25%
48 months
▼
APR4.25%
Term48 months
Last UpdatedSep 21, 2026
Details
As Low As; Qualifying rate - Conditions apply; Loan amount: Up to $250,000
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
14090 Southwest Fwy Ste 260, Sugar Land, TX, 77478 3678
Used Auto Loan
4.25%
48 months
▼
APR4.25%
Term48 months
Last UpdatedSep 21, 2026
Details
As Low As; Loan amount: Up to $250,000; Vehicle age: Up to 5 Years old / 2021+
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
14090 Southwest Fwy Ste 260, Sugar Land, TX, 77478 3678
Used Auto Loan
4.25%
36 months
▼
APR4.25%
Term36 months
Last UpdatedSep 21, 2026
Details
As Low As; Loan amount: Up to $250,000; Vehicle age: 6-10 Years old / 2015+
Gulf Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
5140 W Parkway St, Groves, TX, 77619
New & Used Autos
4.25%
48 months
▼
APR4.25%
Term48 months
Last UpdatedSep 21, 2026
Details
As Low As
Gulf Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
5140 W Parkway St, Groves, TX, 77619
New & Used Autos
4.25%
60 months
▼
APR4.25%
Term60 months
Last UpdatedSep 21, 2026
Details
As Low As
Texas Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.55%
12611 Fuqua St, Houston, TX, 77034
Auto Loans - Used & New
4.29%
61-72 months
▼
APR4.29%
Term61-72 months
Last UpdatedSep 18, 2026
Details
As Low As; *
Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
11920 Alterra Pkwy, Austin, TX, 78758
Auto Loans
4.29%
up to 48 months
▼
APR4.29%
Termup to 48 months
Last UpdatedSep 18, 2026
Details
As Low As
The Peoples Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
7200 Hillside Rd, Amarillo, TX, 79109 7460
New & Used Vehicles Loan
4.29%
3 yrs*
▼
APR4.29%
Term3 yrs*
Last UpdatedSep 20, 2026
Details
As low as; Rate includes both discounts
The Peoples Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
7200 Hillside Rd, Amarillo, TX, 79109 7460
New & Used Vehicles Loan
4.29%
4 yrs*
▼
APR4.29%
Term4 yrs*
Last UpdatedSep 20, 2026
Details
Rate includes both discounts
First Watch Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1118 Pine St, Abilene, TX, 79601 3529
Used Auto 2023
4.29%
Up to 72 months
▼
APR4.29%
TermUp to 72 months
Last UpdatedSep 21, 2026
Details
Published APR range: 4.29% - 17.99%. Maximum Loan: NADA Value
First Watch Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1118 Pine St, Abilene, TX, 79601 3529
Used Auto 2024
4.29%
Up to 78 months
▼
APR4.29%
TermUp to 78 months
Last UpdatedSep 21, 2026
Details
Published APR range: 4.29% - 17.99%. Maximum Loan: NADA Value
First Watch Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1118 Pine St, Abilene, TX, 79601 3529
Used Auto 2026-2025
4.29%
Up to 84 months
▼
APR4.29%
TermUp to 84 months
Last UpdatedSep 21, 2026
Details
Published APR range: 4.29% -17.99%. Maximum Loan: NADA Value
Methodist Hospital Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.08%
1441 N Beckley Ave, Dallas, TX, 75203 1201
New Vehicles Loan
4.32%
0 - 24 Months
▼
APR4.32%
Term0 - 24 Months
Last UpdatedSep 20, 2026
Details
New and 1 Year Old
Methodist Hospital Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.08%
1441 N Beckley Ave, Dallas, TX, 75203 1201
New Vehicles New and 1 Year Old Loan
4.32%
1 Year
▼
APR4.32%
Term1 Year
Last UpdatedSep 20, 2026
Details
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
2501 S State Highway 121 BUS, Lewisville, TX, 75067 4394
Car Loans
4.35%
5 Yrs
▼
APR4.35%
Term5 Yrs
Last UpdatedSep 18, 2026
Details
Model Year: 2025 to 2027
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
1 Valero Way, San Antonio, TX, 78249 1616
New & Used Vehicles
4.35%
60 months
▼
APR4.35%
Interest Rate4.35%
Term60 months
Last UpdatedSep 21, 2026
Details
As Low As
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
1 Valero Way, San Antonio, TX, 78249 1616
New & Used Vehicles - 60 months Loan
4.35%
60 months
▼
APR4.35%
Term60 months
Last UpdatedSep 21, 2026
Details
As Low As
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
1 Valero Way, San Antonio, TX, 78249 1616
New & Used Vehicles Loan
4.35%
60 months
▼
APR4.35%
Term60 months
Last UpdatedSep 21, 2026
Details
As Low As
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
16597 Interstate 45 S, Conroe, TX, 77385
New Vehicle Auto Loan
4.38%
60 Months Fixed
▼
APR4.38%
Term60 Months Fixed
Last UpdatedSep 18, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
16597 Interstate 45 S, Conroe, TX, 77385
New Vehicles Loan
4.38%
60 Months
▼
APR4.38%
Term60 Months
Last UpdatedSep 18, 2026
Details
Fixed Rate
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
2901 Sens Rd, La Porte, TX, 77571
New & Used Autos
4.39%
49 - 65 Months
▼
APR4.39%
Term49 - 65 Months
Last UpdatedSep 20, 2026
Details
Published APR range: 4.39% -13.14%. APR = Annual Percentage Rate; All Rates & Terms are subject to change without notice.
Southwest Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.55%
1750 Valley View Ln Ste 110, Farmers Branch, TX, 75234 9024
New Auto
4.39%
Up to 72 months
▼
APR4.39%
TermUp to 72 months
Last UpdatedSep 21, 2026
Details
As Low As; *
Southwest Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.55%
1750 Valley View Ln Ste 110, Farmers Branch, TX, 75234 9024
Used Auto
4.39%
Up to 72 months
▼
APR4.39%
TermUp to 72 months
Last UpdatedSep 21, 2026
Details
As Low As; *
Americas Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.94%
2154 FOREST LN, GARLAND, TX, 75042
New and Used Auto Loans
4.40%
60-Months
▼
APR4.40%
Term60-Months
Last UpdatedSep 18, 2026
Details
As Low As
Tyler City Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.19%
3711 Frankston Hwy, Tyler, TX, 75701
New & Used Auto 2022 - 2026
4.40%
60 Month Term
▼
APR4.40%
Term60 Month Term
Last UpdatedSep 18, 2026
Details
Credit scores: 700+
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
2501 S State Highway 121 BUS, Lewisville, TX, 75067 4394
Car Loans
4.40%
2 Yrs
▼
APR4.40%
Term2 Yrs
Last UpdatedSep 18, 2026
Details
Model Year: 2011 to 2015
Chartway Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
9441 FM 1960 Bypass Rd W Ste 100, Humble, TX, 77338 4090
Auto Loan
4.40%
1 to 48 months
▼
APR4.40%
Term1 to 48 months
Last UpdatedSep 18, 2026
Details
Model Year: New 2026 (6,000 miles or less); Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.71%
2421 Westport Pkwy Ste 1300, Fort Worth, TX, 76177 5311
NEW Auto Loan
4.40%
Up to 36 months
▼
APR4.40%
TermUp to 36 months
Last UpdatedSep 21, 2026
Details
Rates as low as:
Chocolate Bayou Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.19%
1301 Highway 35 Byp N, Alvin, TX, 77511 2681
Auto Loan
4.42%
Up to 72 Months
▼
APR4.42%
TermUp to 72 Months
Last UpdatedSep 21, 2026
Details
APR as low as
FAA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
16600 John F Kennedy Blvd, Houston, TX, 77032 6514
Auto Loan
4.44%
48 Months
▼
APR4.44%
Interest Rate4.44%
Term48 Months
Last UpdatedSep 20, 2026
Details
Vehicle Year: 2025 & Newer
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
2501 S State Highway 121 BUS, Lewisville, TX, 75067 4394
Car Loans
4.45%
6 Yrs
▼
APR4.45%
Term6 Yrs
Last UpdatedSep 18, 2026
Details
Model Year: 2025 to 2027
Swemp Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.27%
601 OLIVE ST, TEXARKANA, TX, 75501
New Autos
4.45%
Up to 84 Months
▼
APR4.45%
TermUp to 84 Months
Last UpdatedSep 18, 2026
Details
As Low As; Rates are based on a combination of your credit score, terms and other lending criteria. Each application is evaluated on an individual basis. Rates up to 18%. Stated "rates as low as" apply to well-qualified applicants.
Swemp Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.27%
601 OLIVE ST, TEXARKANA, TX, 75501
Pre-Owned Autos
4.45%
Up to 84 Months
▼
APR4.45%
TermUp to 84 Months
Last UpdatedSep 18, 2026
Details
As Low As; Rates are based on a combination of your credit score, terms and other lending criteria. Each application is evaluated on an individual basis. Rates up to 18%. Stated "rates as low as" apply to well-qualified applicants.
Domino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.13%
9978 FM 3129, Queen City, TX, 75572
Auto Loan
4.45%
up to 48 months
▼
APR4.45%
Termup to 48 months
Last UpdatedSep 21, 2026
Details
As Low As; With approved Credit. Rate and terms are based on the vehicle year model, amount financed, and credit score. Rates and terms subject to change.
City Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.95%
901 S LINCOLN ST, AMARILLO, TX, 79101 3637
Vehicle Loan
4.49%
up to 48 months
▼
APR4.49%
Termup to 48 months
Last UpdatedSep 14, 2026
Details
As Low As
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.58%
4849 N Mesa St, El Paso, TX, 79912
Fuel-Efficient Auto Loan
4.49%
36 months
▼
APR4.49%
Term36 months
Last UpdatedSep 16, 2026
Details
As Low As; Model Year: 2023 and newer
Gulf Shore Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.81%
1306 N Logan St, Texas City, TX, 77590 5046
Autos 2026-2022
4.49%
0-24 months
▼
APR4.49%
Term0-24 months
Last UpdatedSep 16, 2026
Details
As Low As; *
Gulf Shore Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.81%
1306 N Logan St, Texas City, TX, 77590 5046
Autos 2026-2022
4.49%
25-36 months
▼
APR4.49%
Term25-36 months
Last UpdatedSep 16, 2026
Details
As Low As; *
Gulf Shore Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.81%
1306 N Logan St, Texas City, TX, 77590 5046
Autos 2026-2022
4.49%
37-48 months
▼
APR4.49%
Term37-48 months
Last UpdatedSep 16, 2026
Details
As Low As; *
Gulf Shore Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.81%
1306 N Logan St, Texas City, TX, 77590 5046
Autos 2026-2022
4.49%
49-63 months
▼
APR4.49%
Term49-63 months
Last UpdatedSep 16, 2026
Details
As Low As; *
Gulf Shore Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.81%
1306 N Logan St, Texas City, TX, 77590 5046
Autos 2026-2022
4.49%
0-72 months
▼
APR4.49%
Term0-72 months
Last UpdatedSep 16, 2026
Details
As Low As; *
Libertyone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.70%
4050 Alpha Rd Ste 120, Farmers Branch, TX, 75244
New and Used Automobiles
4.49%
24 months
▼
APR4.49%
Interest Rate4.49%
Term24 months
Last UpdatedSep 18, 2026
Details
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
2455 Stringer St, Brenham, TX, 77833
2023-2025 Used Vehicles Loan
4.49%
Up to 48 Months
▼
APR4.49%
TermUp to 48 Months
Last UpdatedSep 18, 2026
Details
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
2455 Stringer St, Brenham, TX, 77833
2026 New Vehicles & Newer Loan
4.49%
Up to 48-54 Months
▼
APR4.49%
TermUp to 48-54 Months
Last UpdatedSep 18, 2026
Details
University Credit Union Los Angeles, CA
Institution Rating:
A5.0 ★ Texas Ratio: 11.88%
701 College Dr, Abilene, TX, 79601
New Auto
4.49%
36 months
▼
APR4.49%
Term36 months
Last UpdatedSep 18, 2026
Details
As Low As; Rates current as of August 24, 2026. Rates are based on an evaluation of credit history and other factors specific to your loan (such as loan term, loan amount, loan-to-value, age of collateral, as applicable) and may be higher than the lowest rates advertised. Lowest rates advertised are based on an established member's loan with a term of 36 months or less, LTV (loan to value) of 90% or less and assumes a UCU Automatic Payment method (Includes an Automatic Payment discount of 0.25% from a UCU Account only.) and includes a 0.25% Repeat Borrower discount. Rates are higher for LTV over 90% and/or terms greater than 36 months.
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
100 N Kimball Ave Ste 103, Southlake, TX, 76092 8024
New and Used Other Vehicle Loans
4.49%
72 months
▼
APR4.49%
Term72 months
Last UpdatedSep 18, 2026
Details
Term: 72 months for $20,000 or more on boats, RVs, aircraft and motorcycle loans only
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.39%
24909 Kuykendahl Rd, Tomball, TX, 77375 3295
NEW Autos - Up to 60 Months
4.49%
Up to 60 Months
▼
APR4.49%
TermUp to 60 Months
Last UpdatedSep 18, 2026
Details
As Low As; Rates as low as 4.49% - 14.00%
Germania Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
PO Box 645, Brenham, TX, 77834 0645
New Vehicle Loan
4.49%
60 months
▼
APR4.49%
Term60 months
Last UpdatedSep 18, 2026
Details
As Low As; Up to 125% of MSRP with approved credit.
Access Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.60%
6401 Bell St, Amarillo, TX, 79109
New Vehicles - 5 years and newer Loan
4.49%
24 to 36 months
▼
APR4.49%
Term24 to 36 months
Last UpdatedSep 18, 2026
Details
Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.78%
4800 GROVER AVE, AUSTIN, TX, 78756
New and Used Vehicles Loan
4.49%
Up to 48 Months
▼
APR4.49%
TermUp to 48 Months
Last UpdatedSep 18, 2026
Details
As Low As*
Powered by
MonitorBankRates
Texas New Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
BELTON
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
400 N Wall St, Belton, TX, 76513
New Vehicle Loan
1.99%
1 yr.
▼
APR1.99%
Term1 yr.
Last UpdatedSep 18, 2026
Details
Cars, trucks, RVs or tractors. Pending credit approval.
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.48%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
New Automobile Loan
2.95%
0-36 Months
▼
APR2.95%
Term0-36 Months
Last UpdatedSep 21, 2026
Details
As Low As; *2.95%
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.48%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
New Car, Truck or SUV Loan
2.95%
up to 84 months
▼
APR2.95%
Termup to 84 months
Last UpdatedSep 21, 2026
Details
As Low As; 1.50% length of Membership Incentive Interest Rate Discount
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.48%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
New Vehicles, New Automobile (NA)
2.95%
0-36 Months
▼
APR2.95%
Term0-36 Months
Last UpdatedSep 21, 2026
Details
Credit Score: A+ (800+)
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.15%
506 W Lamar St, Sherman, TX, 75090 5840
New vehicles Loan
2.99%
0-36 months
▼
APR2.99%
Term0-36 months
Last UpdatedSep 18, 2026
Details
Rates below are based on a minimum credit score of 700. Please contact our lending team or visit your nearest Texoma Educators branch for more information. Rates are subject to change without notice.
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.87%
5211 E Parkway St, Groves, TX, 77619
New Auto
3.00%
Up to 36 months
▼
APR3.00%
TermUp to 36 months
Last UpdatedSep 20, 2026
Details
Members Choice Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.67%
18211 Katy Fwy, Houston, TX, 77094 1395
New and Pre-Owned Autos
3.24%
12-36 Months
▼
APR3.24%
Term12-36 Months
Last UpdatedSep 18, 2026
Details
As low as
Members Choice Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.67%
18211 Katy Fwy, Houston, TX, 77094 1395
New Autos
3.24%
12 - 36 months
▼
APR3.24%
Term12 - 36 months
Last UpdatedSep 18, 2026
Details
Rates as low as*
Members Choice Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.67%
18211 Katy Fwy, Houston, TX, 77094 1395
New or Pre-Owned Auto Loan
3.24%
12 Months
▼
APR3.24%
Term12 Months
Last UpdatedSep 18, 2026
Details
As Low As; Other terms available.
Lubrizol Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.53%
205 Center St, Deer Park, TX, 77536 2735
New & Used Automobile Loan
3.24%
24 Mo to 60 Mo
▼
APR3.24%
Term24 Mo to 60 Mo
Last UpdatedSep 21, 2026
Details
Published APR range: 3.24% - 14.49%.
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
American Airlines Credit Union, Fort Worth, TX, 76155
New Auto
3.34%
Up to 36 Months
▼
APR3.34%
TermUp to 36 Months
Last UpdatedSep 21, 2026
Details
As Low As
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
2901 Sens Rd, La Porte, TX, 77571
New & Used Autos
3.39%
Up to 36 Months
▼
APR3.39%
TermUp to 36 Months
Last UpdatedSep 20, 2026
Details
Published APR range: 3.39% - 12.95%. APR = Annual Percentage Rate; All Rates & Terms are subject to change without notice.
Northeast Texas Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.19%
3320 Lamar Ave, Paris, TX, 75460 5024
New Autos
3.40%
60 mos.
▼
APR3.40%
Term60 mos.
Last UpdatedSep 21, 2026
Details
Victoria City County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
205 N Bridge St Ste 111, Victoria, TX, 77901
New & Used Auto Loans
3.47%
36 to 72 Months
▼
APR3.47%
Term36 to 72 Months
Last UpdatedSep 21, 2026
Details
Published APR range: 3.47% to 18.00%. Fixed
USE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.14%
400 S Akard St, Dallas, TX, 75202 5324
New & Used Autos
3.49%
Up to 36 months
▼
APR3.49%
TermUp to 36 months
Last UpdatedSep 16, 2026
Details
As Low As; *
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.20%
7034 Alamo Downs Pkwy, San Antonio, TX, 78238
Auto Loans - 2025 & Newer
3.64%
0 - 36 Months
▼
APR3.64%
Interest Rate3.64%
Term0 - 36 Months
Last UpdatedSep 18, 2026
Details
as low as; Loan Term
Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
183 E Price Rd, Brownsville, TX, 78521
New Auto Loan
3.70%
up to 75 Months
▼
APR3.70%
Termup to 75 Months
Last UpdatedSep 16, 2026
Details
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.13%
2900 Decker Dr, Baytown, TX, 77520 2076
New Autos
3.74%
Up to 36 Months
▼
APR3.74%
TermUp to 36 Months
Last UpdatedSep 18, 2026
Details
Fewer than 7,500 miles
Brazos Star Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
701 Harvey Rd, College Station, TX, 77840
New or used Vehicles up to three years old Loan
3.75%
Up to 36 Months
▼
APR3.75%
TermUp to 36 Months
Last UpdatedSep 18, 2026
Details
As low as; Vehicles up to three years old
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
2901 Sens Rd, La Porte, TX, 77571
New & Used Autos
3.89%
37-48 Months
▼
APR3.89%
Term37-48 Months
Last UpdatedSep 20, 2026
Details
Published APR range: 3.89% - 12.95%. APR = Annual Percentage Rate; All Rates & Terms are subject to change without notice.
Northeast Texas Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.19%
3320 Lamar Ave, Paris, TX, 75460 5024
New Autos
3.90%
72 mos.
▼
APR3.90%
Term72 mos.
Last UpdatedSep 21, 2026
Details
Texas Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.55%
12611 Fuqua St, Houston, TX, 77034
Auto Loans - Used & New
3.94%
0-36 months
▼
APR3.94%
Term0-36 months
Last UpdatedSep 18, 2026
Details
As Low As; *
Texas Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.55%
12611 Fuqua St, Houston, TX, 77034
Auto Loans - Used & New
3.94%
37-48 months
▼
APR3.94%
Term37-48 months
Last UpdatedSep 18, 2026
Details
As Low As; *
Tyler City Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.19%
3711 Frankston Hwy, Tyler, TX, 75701
New & Used Auto 2022 - 2026
3.95%
Up to 60 months
▼
APR3.95%
TermUp to 60 months
Last UpdatedSep 18, 2026
Details
Rates are subject to change without prior notice. Interest rates are APR=Annual Percentage Rate.
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.48%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
New Automobile Loan
3.95%
37-60 Months
▼
APR3.95%
Term37-60 Months
Last UpdatedSep 21, 2026
Details
3.95%
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.48%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
New Vehicles, New Automobile (NA)
3.95%
37-60 Months
▼
APR3.95%
Term37-60 Months
Last UpdatedSep 21, 2026
Details
Credit Score: A+ (800+)
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.48%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
New Vehicles, New Automobile (NA)
3.95%
0-36 Months
▼
APR3.95%
Term0-36 Months
Last UpdatedSep 21, 2026
Details
Credit Score: A (720-799)
Texasgulf Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
2101 N Fulton st, Wharton, TX, 77488
New or used vehicle loan
3.99%
up to 36 months
▼
APR3.99%
Termup to 36 months
Last UpdatedSep 16, 2026
Details
As Low As; New or used vehicle
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
100 N Kimball Ave Ste 103, Southlake, TX, 76092 8024
New and Used Other Vehicle Loans
3.99%
Up to 12 months
▼
APR3.99%
TermUp to 12 months
Last UpdatedSep 18, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
100 N Kimball Ave Ste 103, Southlake, TX, 76092 8024
New and Used Other Vehicle Loans
3.99%
24 months
▼
APR3.99%
Term24 months
Last UpdatedSep 18, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
100 N Kimball Ave Ste 103, Southlake, TX, 76092 8024
New and Used Other Vehicle Loans
3.99%
36 months
▼
APR3.99%
Term36 months
Last UpdatedSep 18, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
100 N Kimball Ave Ste 103, Southlake, TX, 76092 8024
New and Used Other Vehicle Loans
3.99%
48 months
▼
APR3.99%
Term48 months
Last UpdatedSep 18, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
100 N Kimball Ave Ste 103, Southlake, TX, 76092 8024
New and Used Other Vehicle Loans
3.99%
60 months
▼
APR3.99%
Term60 months
Last UpdatedSep 18, 2026
Details
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.39%
24909 Kuykendahl Rd, Tomball, TX, 77375 3295
NEW Autos - Up to 36 Months
3.99%
Up to 36 Months
▼
APR3.99%
TermUp to 36 Months
Last UpdatedSep 18, 2026
Details
As Low As; Rates as low as 3.99% - 13.00%
United Energy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
8790 FM 1960 Bypass Rd W Ste 500A, Humble, TX, 77338 3950
New/Used Auto
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedSep 18, 2026
Details
80% Financing MSRP or NADA Retail (20% down)
Travis County Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.84%
1101 N Interstate 35, Austin, TX, 78702 1901
Motor Vehicle New and Used Loan
3.99%
48 months
▼
APR3.99%
Term48 months
Last UpdatedSep 18, 2026
Details
Max Loan: 110% of price
Travis County Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.84%
1101 N Interstate 35, Austin, TX, 78702 1901
Motor Vehicle New and Used Loan
3.99%
36 months
▼
APR3.99%
Term36 months
Last UpdatedSep 18, 2026
Details
Max Loan: 110% of price
Houston Highway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.41%
8120 Washington Ave, Houston, TX, 77007
New Vehicle Loan
3.99%
24 - 72+ Months
▼
APR3.99%
Interest Rate3.99%
Term24 - 72+ Months
Last UpdatedSep 18, 2026
Details
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.00%
13649 Montfort Dr, Dallas, TX, 75240 2521
New Auto Loans
3.99%
54 months or Less
▼
APR3.99%
Term54 months or Less
Last UpdatedSep 18, 2026
Details
As low as; New Auto Loans
United Heritage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.97%
12208 N Mopac Expy, Austin, TX, 78758
New/Used Auto Loan
3.99%
0 to 36 Months
▼
APR3.99%
Term0 to 36 Months
Last UpdatedSep 18, 2026
Details
As Low As
Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.41%
17 S 1st St, Temple, TX, 76501 7603
New Auto Loan
3.99%
36 months
▼
APR3.99%
Term36 months
Last UpdatedSep 18, 2026
Details
As Low As
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.15%
506 W Lamar St, Sherman, TX, 75090 5840
New vehicles Loan
3.99%
37-48 months
▼
APR3.99%
Term37-48 months
Last UpdatedSep 18, 2026
Details
Rates below are based on a minimum credit score of 700. Please contact our lending team or visit your nearest Texoma Educators branch for more information. Rates are subject to change without notice.
Secured Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.30%
903 W Highway St, Iowa Park, TX, 76367 1180
New Auto Loans
3.99%
Up to 84 months
▼
APR3.99%
TermUp to 84 months
Last UpdatedSep 21, 2026
Details
As Low As; Rates and terms are subject to credit approval and may vary based on credit history, loan term, vehicle year, mileage, loan-to-value, and how/when the vehicle has been titled. Rates are effective as of 1/1/2026 and subject to change without notice.
Rockdale Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.24%
1821 W Cameron Ave, Rockdale, TX, 76567
New Vehicles Loan
3.99%
Up to 36 Months
▼
APR3.99%
Interest Rate3.99%
TermUp to 36 Months
Last UpdatedSep 21, 2026
Details
Rate: 5.94% for Up to 84 Months; Rate: 5.49% for Up to 72 Months; Rate: 4.99% for Up to 60 Months; Rate: 4.69% for Up to 48 months; Rate: 3.99% for Up to 36 Months
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
14090 Southwest Fwy Ste 260, Sugar Land, TX, 77478 3678
New Auto Loan
3.99%
36 months
▼
APR3.99%
Term36 months
Last UpdatedSep 21, 2026
Details
As Low As; Qualifying rate - Conditions apply; Loan amount: Up to $250,000
Sweetwater Regional Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
1900 Preston Rd, Sweetwater, TX, 79556
New Titled Vehicle Loan
3.99%
up to 84 months
▼
APR3.99%
Termup to 84 months
Last UpdatedSep 21, 2026
Details
Published APR range: 3.99%-18.00%. As Low As; ** Rate applies to well-qualified borrowers. See credit union for details.
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
2610 Network Blvd Ste 600, Frisco, TX, 75034 6009
New Cars and Trucks Loan
4.00%
36 Months
▼
APR4.00%
Interest Rate4.00%
Term36 Months
Last UpdatedSep 16, 2026
Details
New Cars and Trucks**
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
16597 Interstate 45 S, Conroe, TX, 77385
New Vehicle Auto Loan
4.00%
24 Months Fixed
▼
APR4.00%
Term24 Months Fixed
Last UpdatedSep 18, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
16597 Interstate 45 S, Conroe, TX, 77385
New Vehicles Loan
4.00%
24 Months
▼
APR4.00%
Term24 Months
Last UpdatedSep 18, 2026
Details
Fixed Rate
Concho Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.66%
1002 S Abe St, San Angelo, TX, 76903 7240
New Auto
4.00%
36 months
▼
APR4.00%
Term36 months
Last UpdatedSep 18, 2026
Details
As low as; Maximum Loan: 100%
Service 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.01%
10001 Jack Finney Blvd, Greenville, TX, 75402
New Vehicle Loan
4.00%
up to 94 months
▼
APR4.00%
Interest Rate4.00%
Termup to 94 months
Last UpdatedSep 18, 2026
Details
Southern Star Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.29%
16035 W Little York Rd, Houston, TX, 77084
New Auto Loans
4.00%
Up to 36 Months
▼
APR4.00%
TermUp to 36 Months
Last UpdatedSep 18, 2026
Details
As Low As
Temple Inland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.47%
109 N Temple Dr, Diboll, TX, 75941
New & Used Auto
4.00%
36-60 months
▼
APR4.00%
Term36-60 months
Last UpdatedSep 18, 2026
Details
Tier 1 750-up
Temple Inland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.47%
109 N Temple Dr, Diboll, TX, 75941
New & Used Auto
4.00%
61-75 months
▼
APR4.00%
Term61-75 months
Last UpdatedSep 18, 2026
Details
Tier 1 750-up
Sabine Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.14%
1939 Strickland Dr, Orange, TX, 77630 2901
New or Used Autos or Harley Davidson Motorcycles
4.00%
36 months or less
▼
APR4.00%
Term36 months or less
Last UpdatedSep 18, 2026
Details
Port Arthur Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
3001 JIMMY JOHNSON BLVD, PORT ARTHUR, TX, 77642
New Car Loan
4.00%
up to 60 month
▼
APR4.00%
Termup to 60 month
Last UpdatedSep 20, 2026
Details
financing available
1st Community Federal Credit Union
Institution Rating:
B4.5 ★ Texas Ratio: 21.41%
3505 Wildewood Dr, San Angelo, TX, 76904
New Automobiles & Light Trucks
4.00%
36 mos.
▼
APR4.00%
Term36 mos.
Last UpdatedSep 20, 2026
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
8500 W Bay Rd # 32, Baytown, TX, 77523 8727
New/Used Vehicles - 730+ Score Loan
4.00%
24 Mo.
▼
APR4.00%
Interest Rate4.00%
Term24 Mo.
Last UpdatedSep 21, 2026
Details
Credit Grade: A+
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
8500 W Bay Rd # 32, Baytown, TX, 77523 8727
New/Used Vehicles - 730+ Score Loan
4.00%
36 Mo.
▼
APR4.00%
Interest Rate4.00%
Term36 Mo.
Last UpdatedSep 21, 2026
Details
Credit Grade: A+
Gulf Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
5140 W Parkway St, Groves, TX, 77619
New & Used Autos
4.00%
36 months
▼
APR4.00%
Term36 months
Last UpdatedSep 21, 2026
Details
As Low As
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.14%
100 Dominion Park Dr, Houston, TX, 77090 6716
New & Used Auto Loan
4.05%
Up to 36 Months
▼
APR4.05%
TermUp to 36 Months
Last UpdatedSep 16, 2026
Details
Model Years: 2019-2025; As Low As
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
American Airlines Credit Union, Fort Worth, TX, 76155
New Auto
4.09%
Up to 60 months
▼
APR4.09%
TermUp to 60 months
Last UpdatedSep 21, 2026
Details
As Low As
Mesquite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
1510 N Galloway Ave, Mesquite, TX, 75149
New and Used Vehicles Loan
4.10%
Up to 72 Months
▼
APR4.10%
TermUp to 72 Months
Last UpdatedSep 18, 2026
Details
As Low As
Mesquite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
1510 N Galloway Ave, Mesquite, TX, 75149
New and Used Vehicles Loan
4.10%
up to 84 months
▼
APR4.10%
Termup to 84 months
Last UpdatedSep 18, 2026
Details
As Low As; Rate discounts for having Direct Deposit, Automatic payment transfer, and adding GAP coverage, Warranty or Credit Life/Disability Insurance.
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
16597 Interstate 45 S, Conroe, TX, 77385
New Vehicle Auto Loan
4.12%
36 Months Fixed
▼
APR4.12%
Term36 Months Fixed
Last UpdatedSep 18, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
16597 Interstate 45 S, Conroe, TX, 77385
New Vehicles Loan
4.12%
36 Months
▼
APR4.12%
Term36 Months
Last UpdatedSep 18, 2026
Details
Fixed Rate
Memorial Credit Union Houston, TX
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
7789 Southwest fwy Ste 175, Houston, TX, 77074 1831
New Autos
4.14%
Up to 84 Months
▼
APR4.14%
TermUp to 84 Months
Last UpdatedSep 18, 2026
Details
As Low As; (Based On credit score, loan term, and relationship discounts)
Texas Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.55%
12611 Fuqua St, Houston, TX, 77034
Auto Loans - Used & New
4.14%
49-60 months
▼
APR4.14%
Term49-60 months
Last UpdatedSep 18, 2026
Details
As Low As; *
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.20%
7034 Alamo Downs Pkwy, San Antonio, TX, 78238
Auto Loans - 2025 & Newer
4.14%
37 - 75 Months
▼
APR4.14%
Interest Rate4.14%
Term37 - 75 Months
Last UpdatedSep 18, 2026
Details
as low as; Loan Term
Temple Inland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.47%
109 N Temple Dr, Diboll, TX, 75941
New & Used Auto
4.15%
36-60 months
▼
APR4.15%
Term36-60 months
Last UpdatedSep 18, 2026
Details
Tier 2 700-749
Temple Inland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.47%
109 N Temple Dr, Diboll, TX, 75941
New & Used Auto
4.15%
61-75 months
▼
APR4.15%
Term61-75 months
Last UpdatedSep 18, 2026
Details
Tier 2 700-749
Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.41%
17 S 1st St, Temple, TX, 76501 7603
New Auto Loan
4.24%
60 months
▼
APR4.24%
Term60 months
Last UpdatedSep 18, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.84%
3301 Airport Fwy Ste 175, Bedford, TX, 76021 6123
New and Used Autos
4.24%
24 Months
▼
APR4.24%
Term24 Months
Last UpdatedSep 21, 2026
Details
Up to 120% Financing on Approved Credit
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.84%
3301 Airport Fwy Ste 175, Bedford, TX, 76021 6123
New and Used Autos
4.24%
36 Months
▼
APR4.24%
Term36 Months
Last UpdatedSep 21, 2026
Details
Up to 120% Financing on Approved Credit
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.39%
24909 Kuykendahl Rd, Tomball, TX, 77375 3295
NEW Autos - Up to 48 Months
4.25%
Up to 48 Months
▼
APR4.25%
TermUp to 48 Months
Last UpdatedSep 18, 2026
Details
As Low As; Rates as low as 4.25% - 13.49%
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
16597 Interstate 45 S, Conroe, TX, 77385
New Vehicle Auto Loan
4.25%
48 Months Fixed
▼
APR4.25%
Term48 Months Fixed
Last UpdatedSep 18, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
16597 Interstate 45 S, Conroe, TX, 77385
New Vehicles Loan
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedSep 18, 2026
Details
Fixed Rate
Brazos Star Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
701 Harvey Rd, College Station, TX, 77840
New or used Vehicles up to three years old Loan
4.25%
48 to 59 Months
▼
APR4.25%
Term48 to 59 Months
Last UpdatedSep 18, 2026
Details
As low as; Vehicles up to three years old
Southern Star Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.29%
16035 W Little York Rd, Houston, TX, 77084
New Auto Loans
4.25%
Up to 48 Months
▼
APR4.25%
TermUp to 48 Months
Last UpdatedSep 18, 2026
Details
As Low As
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.03%
2736 Nall St, Port Neches, TX, 77651 5204
New Auto Loans
4.25%
0-24 months
▼
APR4.25%
Term0-24 months
Last UpdatedSep 18, 2026
Details
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.03%
2736 Nall St, Port Neches, TX, 77651 5204
New Auto Loans
4.25%
25-36 months
▼
APR4.25%
Term25-36 months
Last UpdatedSep 18, 2026
Details
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.03%
2736 Nall St, Port Neches, TX, 77651 5204
New Auto Loans
4.25%
37-48 months
▼
APR4.25%
Term37-48 months
Last UpdatedSep 18, 2026
Details
DuGood Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
7505 Eastex Fwy Ste B, Beaumont, TX, 77708
New Auto Loan
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedSep 18, 2026
Details
Vehicle Age: Up to 2026
Temple Inland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.47%
109 N Temple Dr, Diboll, TX, 75941
New & Used Auto
4.25%
78-84 months
▼
APR4.25%
Term78-84 months
Last UpdatedSep 18, 2026
Details
Tier 1 750-up
Sabine Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.14%
1939 Strickland Dr, Orange, TX, 77630 2901
New Auto
4.25%
60 months
▼
APR4.25%
Term60 months
Last UpdatedSep 18, 2026
Details
Monthly payment amount approximately $18.56 on $1,000 for 60 months at 4.25% APR.
Sabine Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.14%
1939 Strickland Dr, Orange, TX, 77630 2901
New or Used Autos or Harley Davidson Motorcycles
4.25%
48 months or less
▼
APR4.25%
Term48 months or less
Last UpdatedSep 18, 2026
Details
Sabine Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.14%
1939 Strickland Dr, Orange, TX, 77630 2901
New or Used Autos or Harley Davidson Motorcycles
4.25%
60 months or less
▼
APR4.25%
Term60 months or less
Last UpdatedSep 18, 2026
Details
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
324 N MAIN AVE, DENVER CITY, TX, 79323 3242
New Auto Loan
4.25%
Up to 3 Years
▼
APR4.25%
TermUp to 3 Years
Last UpdatedSep 20, 2026
Details
Term: Up to 3 Years (1-36M); Vehicle Year: 2025 or Newer; Equifax Score: 750+; Loan to Value Max.(MSRP/NADA Retail): 115%; Debt Ratio Maximum: 48%
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
324 N MAIN AVE, DENVER CITY, TX, 79323 3242
New Auto Loan
4.25%
1-36 months
▼
APR4.25%
Term1-36 months
Last UpdatedSep 20, 2026
Details
Vehicle Year: 2025 or Newer; Loan to Value Max.(MSRP/NADA Retail): 115%; Debt Ratio Maximum: 48%
Cy-Fair Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.18%
9601 Jones Rd, Houston, TX, 77065
New & Used Auto
4.25%
36 to 84 Months
▼
APR4.25%
Term36 to 84 Months
Last UpdatedSep 21, 2026
Details
As Low As
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
8500 W Bay Rd # 32, Baytown, TX, 77523 8727
New/Used Vehicles - 730+ Score Loan
4.25%
48 Mo.
▼
APR4.25%
Interest Rate4.25%
Term48 Mo.
Last UpdatedSep 21, 2026
Details
Credit Grade: A+
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
14090 Southwest Fwy Ste 260, Sugar Land, TX, 77478 3678
New Auto Loan
4.25%
48 months
▼
APR4.25%
Term48 months
Last UpdatedSep 21, 2026
Details
As Low As; Qualifying rate - Conditions apply; Loan amount: Up to $250,000
Gulf Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
5140 W Parkway St, Groves, TX, 77619
New & Used Autos
4.25%
48 months
▼
APR4.25%
Term48 months
Last UpdatedSep 21, 2026
Details
As Low As
Gulf Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
5140 W Parkway St, Groves, TX, 77619
New & Used Autos
4.25%
60 months
▼
APR4.25%
Term60 months
Last UpdatedSep 21, 2026
Details
As Low As
Texas Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.55%
12611 Fuqua St, Houston, TX, 77034
Auto Loans - Used & New
4.29%
61-72 months
▼
APR4.29%
Term61-72 months
Last UpdatedSep 18, 2026
Details
As Low As; *
The Peoples Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
7200 Hillside Rd, Amarillo, TX, 79109 7460
New & Used Vehicles Loan
4.29%
3 yrs*
▼
APR4.29%
Term3 yrs*
Last UpdatedSep 20, 2026
Details
As low as; Rate includes both discounts
The Peoples Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
7200 Hillside Rd, Amarillo, TX, 79109 7460
New & Used Vehicles Loan
4.29%
4 yrs*
▼
APR4.29%
Term4 yrs*
Last UpdatedSep 20, 2026
Details
Rate includes both discounts
Methodist Hospital Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.08%
1441 N Beckley Ave, Dallas, TX, 75203 1201
New Vehicles Loan
4.32%
0 - 24 Months
▼
APR4.32%
Term0 - 24 Months
Last UpdatedSep 20, 2026
Details
New and 1 Year Old
Methodist Hospital Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.08%
1441 N Beckley Ave, Dallas, TX, 75203 1201
New Vehicles New and 1 Year Old Loan
4.32%
1 Year
▼
APR4.32%
Term1 Year
Last UpdatedSep 20, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
1 Valero Way, San Antonio, TX, 78249 1616
New & Used Vehicles
4.35%
60 months
▼
APR4.35%
Interest Rate4.35%
Term60 months
Last UpdatedSep 21, 2026
Details
As Low As
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
1 Valero Way, San Antonio, TX, 78249 1616
New & Used Vehicles - 60 months Loan
4.35%
60 months
▼
APR4.35%
Term60 months
Last UpdatedSep 21, 2026
Details
As Low As
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
1 Valero Way, San Antonio, TX, 78249 1616
New & Used Vehicles Loan
4.35%
60 months
▼
APR4.35%
Term60 months
Last UpdatedSep 21, 2026
Details
As Low As
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
16597 Interstate 45 S, Conroe, TX, 77385
New Vehicle Auto Loan
4.38%
60 Months Fixed
▼
APR4.38%
Term60 Months Fixed
Last UpdatedSep 18, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
16597 Interstate 45 S, Conroe, TX, 77385
New Vehicles Loan
4.38%
60 Months
▼
APR4.38%
Term60 Months
Last UpdatedSep 18, 2026
Details
Fixed Rate
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
2901 Sens Rd, La Porte, TX, 77571
New & Used Autos
4.39%
49 - 65 Months
▼
APR4.39%
Term49 - 65 Months
Last UpdatedSep 20, 2026
Details
Published APR range: 4.39% -13.14%. APR = Annual Percentage Rate; All Rates & Terms are subject to change without notice.
Southwest Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.55%
1750 Valley View Ln Ste 110, Farmers Branch, TX, 75234 9024
New Auto
4.39%
Up to 72 months
▼
APR4.39%
TermUp to 72 months
Last UpdatedSep 21, 2026
Details
As Low As; *
Americas Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.94%
2154 FOREST LN, GARLAND, TX, 75042
New and Used Auto Loans
4.40%
60-Months
▼
APR4.40%
Term60-Months
Last UpdatedSep 18, 2026
Details
As Low As
Tyler City Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.19%
3711 Frankston Hwy, Tyler, TX, 75701
New & Used Auto 2022 - 2026
4.40%
60 Month Term
▼
APR4.40%
Term60 Month Term
Last UpdatedSep 18, 2026
Details
Credit scores: 700+
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.71%
2421 Westport Pkwy Ste 1300, Fort Worth, TX, 76177 5311
NEW Auto Loan
4.40%
Up to 36 months
▼
APR4.40%
TermUp to 36 months
Last UpdatedSep 21, 2026
Details
Rates as low as:
Swemp Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.27%
601 OLIVE ST, TEXARKANA, TX, 75501
New Autos
4.45%
Up to 84 Months
▼
APR4.45%
TermUp to 84 Months
Last UpdatedSep 18, 2026
Details
As Low As; Rates are based on a combination of your credit score, terms and other lending criteria. Each application is evaluated on an individual basis. Rates up to 18%. Stated "rates as low as" apply to well-qualified applicants.
Libertyone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.70%
4050 Alpha Rd Ste 120, Farmers Branch, TX, 75244
New and Used Automobiles
4.49%
24 months
▼
APR4.49%
Interest Rate4.49%
Term24 months
Last UpdatedSep 18, 2026
Details
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
2455 Stringer St, Brenham, TX, 77833
2026 New Vehicles & Newer Loan
4.49%
Up to 48-54 Months
▼
APR4.49%
TermUp to 48-54 Months
Last UpdatedSep 18, 2026
Details
University Credit Union Los Angeles, CA
Institution Rating:
A5.0 ★ Texas Ratio: 11.88%
701 College Dr, Abilene, TX, 79601
New Auto
4.49%
36 months
▼
APR4.49%
Term36 months
Last UpdatedSep 18, 2026
Details
As Low As; Rates current as of August 24, 2026. Rates are based on an evaluation of credit history and other factors specific to your loan (such as loan term, loan amount, loan-to-value, age of collateral, as applicable) and may be higher than the lowest rates advertised. Lowest rates advertised are based on an established member's loan with a term of 36 months or less, LTV (loan to value) of 90% or less and assumes a UCU Automatic Payment method (Includes an Automatic Payment discount of 0.25% from a UCU Account only.) and includes a 0.25% Repeat Borrower discount. Rates are higher for LTV over 90% and/or terms greater than 36 months.
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
100 N Kimball Ave Ste 103, Southlake, TX, 76092 8024
New and Used Other Vehicle Loans
4.49%
72 months
▼
APR4.49%
Term72 months
Last UpdatedSep 18, 2026
Details
Term: 72 months for $20,000 or more on boats, RVs, aircraft and motorcycle loans only
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.39%
24909 Kuykendahl Rd, Tomball, TX, 77375 3295
NEW Autos - Up to 60 Months
4.49%
Up to 60 Months
▼
APR4.49%
TermUp to 60 Months
Last UpdatedSep 18, 2026
Details
As Low As; Rates as low as 4.49% - 14.00%
Germania Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
PO Box 645, Brenham, TX, 77834 0645
New Vehicle Loan
4.49%
60 months
▼
APR4.49%
Term60 months
Last UpdatedSep 18, 2026
Details
As Low As; Up to 125% of MSRP with approved credit.
Access Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.60%
6401 Bell St, Amarillo, TX, 79109
New Vehicles - 5 years and newer Loan
4.49%
24 to 36 months
▼
APR4.49%
Term24 to 36 months
Last UpdatedSep 18, 2026
Details
Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.78%
4800 GROVER AVE, AUSTIN, TX, 78756
New and Used Vehicles Loan
4.49%
Up to 48 Months
▼
APR4.49%
TermUp to 48 Months
Last UpdatedSep 18, 2026
Details
As Low As*
Powered by
MonitorBankRates
Texas Used Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.48%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
Pre-Owned (Used) Automobile
2.95%
0-36 Months
▼
APR2.95%
Term0-36 Months
Last UpdatedSep 21, 2026
Details
As Low As:
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.48%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
Pre-Owned (Used) Automobile (UA) - A+ (800
2.95%
0-36 Months
▼
APR2.95%
Term0-36 Months
Last UpdatedSep 21, 2026
Details
Credit Score: A+ (800+)
Members Choice Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.67%
18211 Katy Fwy, Houston, TX, 77094 1395
New and Pre-Owned Autos
3.24%
12-36 Months
▼
APR3.24%
Term12-36 Months
Last UpdatedSep 18, 2026
Details
As low as
Members Choice Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.67%
18211 Katy Fwy, Houston, TX, 77094 1395
New or Pre-Owned Auto Loan
3.24%
12 Months
▼
APR3.24%
Term12 Months
Last UpdatedSep 18, 2026
Details
As Low As; Other terms available.
Members Choice Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.67%
18211 Katy Fwy, Houston, TX, 77094 1395
Pre-Owned Autos
3.24%
12 - 36 months
▼
APR3.24%
Term12 - 36 months
Last UpdatedSep 18, 2026
Details
Rates as low as*
Lubrizol Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.53%
205 Center St, Deer Park, TX, 77536 2735
New & Used Automobile Loan
3.24%
24 Mo to 60 Mo
▼
APR3.24%
Term24 Mo to 60 Mo
Last UpdatedSep 21, 2026
Details
Published APR range: 3.24% - 14.49%.
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
2901 Sens Rd, La Porte, TX, 77571
New & Used Autos
3.39%
Up to 36 Months
▼
APR3.39%
TermUp to 36 Months
Last UpdatedSep 20, 2026
Details
Published APR range: 3.39% - 12.95%. APR = Annual Percentage Rate; All Rates & Terms are subject to change without notice.
Northeast Texas Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.19%
3320 Lamar Ave, Paris, TX, 75460 5024
Used Vehicle - 2025 Loan
3.40%
60 mos.
▼
APR3.40%
Term60 mos.
Last UpdatedSep 21, 2026
Details
Northeast Texas Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.19%
3320 Lamar Ave, Paris, TX, 75460 5024
Used Vehicle - 2026-2027 Loan
3.40%
60 mos.
▼
APR3.40%
Term60 mos.
Last UpdatedSep 21, 2026
Details
Victoria City County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
205 N Bridge St Ste 111, Victoria, TX, 77901
New & Used Auto Loans
3.47%
36 to 72 Months
▼
APR3.47%
Term36 to 72 Months
Last UpdatedSep 21, 2026
Details
Published APR range: 3.47% to 18.00%. Fixed
USE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.14%
400 S Akard St, Dallas, TX, 75202 5324
New & Used Autos
3.49%
Up to 36 months
▼
APR3.49%
TermUp to 36 months
Last UpdatedSep 16, 2026
Details
As Low As; *
Mount Olive Baptist Church Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.54%
514 NL Robinson Dr, Arlington, TX, 76011 7473
Used Vehicles (1 - 2 yrs. Old) & non-purchase collateral
3.49%
Up to 72 months
▼
APR3.49%
Interest Rate3.49%
TermUp to 72 months
Last UpdatedSep 21, 2026
Details
Published rate range: 3.49% - 11.99%**.
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.13%
2900 Decker Dr, Baytown, TX, 77520 2076
Used Autos
3.74%
Up to 36 Months
▼
APR3.74%
TermUp to 36 Months
Last UpdatedSep 18, 2026
Details
Fewer than 100,000 miles
Brazos Star Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
701 Harvey Rd, College Station, TX, 77840
New or used Vehicles up to three years old Loan
3.75%
Up to 36 Months
▼
APR3.75%
TermUp to 36 Months
Last UpdatedSep 18, 2026
Details
As low as; Vehicles up to three years old
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
American Airlines Credit Union, Fort Worth, TX, 76155
Used Auto
3.84%
Up to 36 Months
▼
APR3.84%
TermUp to 36 Months
Last UpdatedSep 21, 2026
Details
As Low As
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
2901 Sens Rd, La Porte, TX, 77571
New & Used Autos
3.89%
37-48 Months
▼
APR3.89%
Term37-48 Months
Last UpdatedSep 20, 2026
Details
Published APR range: 3.89% - 12.95%. APR = Annual Percentage Rate; All Rates & Terms are subject to change without notice.
Texas Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.55%
12611 Fuqua St, Houston, TX, 77034
Auto Loans - Used & New
3.94%
0-36 months
▼
APR3.94%
Term0-36 months
Last UpdatedSep 18, 2026
Details
As Low As; *
Texas Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.55%
12611 Fuqua St, Houston, TX, 77034
Auto Loans - Used & New
3.94%
37-48 months
▼
APR3.94%
Term37-48 months
Last UpdatedSep 18, 2026
Details
As Low As; *
Tyler City Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.19%
3711 Frankston Hwy, Tyler, TX, 75701
New & Used Auto 2022 - 2026
3.95%
Up to 60 months
▼
APR3.95%
TermUp to 60 months
Last UpdatedSep 18, 2026
Details
Rates are subject to change without prior notice. Interest rates are APR=Annual Percentage Rate.
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.48%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
Pre-Owned (Used) Automobile
3.95%
37-60 Months
▼
APR3.95%
Term37-60 Months
Last UpdatedSep 21, 2026
Details
As Low As:
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.48%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
Pre-Owned (Used) Automobile (UA) - A (720-799)
3.95%
0-36 Months
▼
APR3.95%
Term0-36 Months
Last UpdatedSep 21, 2026
Details
Credit Score: A (720-799)
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.48%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
Pre-Owned (Used) Automobile (UA) - A+ (800
3.95%
37-60 Months
▼
APR3.95%
Term37-60 Months
Last UpdatedSep 21, 2026
Details
Credit Score: A+ (800+)
Texasgulf Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
2101 N Fulton st, Wharton, TX, 77488
New or used vehicle loan
3.99%
up to 36 months
▼
APR3.99%
Termup to 36 months
Last UpdatedSep 16, 2026
Details
As Low As; New or used vehicle
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
100 N Kimball Ave Ste 103, Southlake, TX, 76092 8024
New and Used Other Vehicle Loans
3.99%
Up to 12 months
▼
APR3.99%
TermUp to 12 months
Last UpdatedSep 18, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
100 N Kimball Ave Ste 103, Southlake, TX, 76092 8024
New and Used Other Vehicle Loans
3.99%
24 months
▼
APR3.99%
Term24 months
Last UpdatedSep 18, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
100 N Kimball Ave Ste 103, Southlake, TX, 76092 8024
New and Used Other Vehicle Loans
3.99%
36 months
▼
APR3.99%
Term36 months
Last UpdatedSep 18, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
100 N Kimball Ave Ste 103, Southlake, TX, 76092 8024
New and Used Other Vehicle Loans
3.99%
48 months
▼
APR3.99%
Term48 months
Last UpdatedSep 18, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
100 N Kimball Ave Ste 103, Southlake, TX, 76092 8024
New and Used Other Vehicle Loans
3.99%
60 months
▼
APR3.99%
Term60 months
Last UpdatedSep 18, 2026
Details
United Energy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
8790 FM 1960 Bypass Rd W Ste 500A, Humble, TX, 77338 3950
New/Used Auto
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedSep 18, 2026
Details
80% Financing MSRP or NADA Retail (20% down)
Travis County Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.84%
1101 N Interstate 35, Austin, TX, 78702 1901
Motor Vehicle New and Used Loan
3.99%
48 months
▼
APR3.99%
Term48 months
Last UpdatedSep 18, 2026
Details
Max Loan: 110% of price
Travis County Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.84%
1101 N Interstate 35, Austin, TX, 78702 1901
Motor Vehicle New and Used Loan
3.99%
36 months
▼
APR3.99%
Term36 months
Last UpdatedSep 18, 2026
Details
Max Loan: 110% of price
Houston Highway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.41%
8120 Washington Ave, Houston, TX, 77007
Used Vehicle Loan
3.99%
24 - 72+ Months
▼
APR3.99%
Interest Rate3.99%
Term24 - 72+ Months
Last UpdatedSep 18, 2026
Details
United Heritage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.97%
12208 N Mopac Expy, Austin, TX, 78758
New/Used Auto Loan
3.99%
0 to 36 Months
▼
APR3.99%
Term0 to 36 Months
Last UpdatedSep 18, 2026
Details
As Low As
Austin Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.30%
1900 Woodward St, Austin, TX, 78741
Used Vehicles Loan
3.99%
48 months
▼
APR3.99%
Term48 months
Last UpdatedSep 21, 2026
Details
Published APR range: 3.99% to 14.55%.
Sweetwater Regional Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
1900 Preston Rd, Sweetwater, TX, 79556
Used Titled Vehicle Loan
3.99%
up to 60 months
▼
APR3.99%
Termup to 60 months
Last UpdatedSep 21, 2026
Details
Published APR range: 3.99%-18.00%. As Low As; ** Rate applies to well-qualified borrowers. See credit union for details.
Concho Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.66%
1002 S Abe St, San Angelo, TX, 76903 7240
Used Autos
4.00%
24 to 60 months
▼
APR4.00%
Term24 to 60 months
Last UpdatedSep 18, 2026
Details
As low as; Maximum Loan: NADA RETAIL VALUE
Temple Inland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.47%
109 N Temple Dr, Diboll, TX, 75941
New & Used Auto
4.00%
36-60 months
▼
APR4.00%
Term36-60 months
Last UpdatedSep 18, 2026
Details
Tier 1 750-up
Temple Inland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.47%
109 N Temple Dr, Diboll, TX, 75941
New & Used Auto
4.00%
61-75 months
▼
APR4.00%
Term61-75 months
Last UpdatedSep 18, 2026
Details
Tier 1 750-up
Sabine Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.14%
1939 Strickland Dr, Orange, TX, 77630 2901
New or Used Autos or Harley Davidson Motorcycles
4.00%
36 months or less
▼
APR4.00%
Term36 months or less
Last UpdatedSep 18, 2026
Details
1st Community Federal Credit Union
Institution Rating:
B4.5 ★ Texas Ratio: 21.41%
3505 Wildewood Dr, San Angelo, TX, 76904
Used Automobiles & Light Trucks
4.00%
36 mos.
▼
APR4.00%
Term36 mos.
Last UpdatedSep 20, 2026
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
8500 W Bay Rd # 32, Baytown, TX, 77523 8727
New/Used Vehicles - 730+ Score Loan
4.00%
24 Mo.
▼
APR4.00%
Interest Rate4.00%
Term24 Mo.
Last UpdatedSep 21, 2026
Details
Credit Grade: A+
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
8500 W Bay Rd # 32, Baytown, TX, 77523 8727
New/Used Vehicles - 730+ Score Loan
4.00%
36 Mo.
▼
APR4.00%
Interest Rate4.00%
Term36 Mo.
Last UpdatedSep 21, 2026
Details
Credit Grade: A+
Gulf Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
5140 W Parkway St, Groves, TX, 77619
New & Used Autos
4.00%
36 months
▼
APR4.00%
Term36 months
Last UpdatedSep 21, 2026
Details
As Low As
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.14%
100 Dominion Park Dr, Houston, TX, 77090 6716
New & Used Auto Loan
4.05%
Up to 36 Months
▼
APR4.05%
TermUp to 36 Months
Last UpdatedSep 16, 2026
Details
Model Years: 2019-2025; As Low As
Mesquite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
1510 N Galloway Ave, Mesquite, TX, 75149
New and Used Vehicles Loan
4.10%
Up to 72 Months
▼
APR4.10%
TermUp to 72 Months
Last UpdatedSep 18, 2026
Details
As Low As
Mesquite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
1510 N Galloway Ave, Mesquite, TX, 75149
New and Used Vehicles Loan
4.10%
up to 84 months
▼
APR4.10%
Termup to 84 months
Last UpdatedSep 18, 2026
Details
As Low As; Rate discounts for having Direct Deposit, Automatic payment transfer, and adding GAP coverage, Warranty or Credit Life/Disability Insurance.
Texas Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.55%
12611 Fuqua St, Houston, TX, 77034
Auto Loans - Used & New
4.14%
49-60 months
▼
APR4.14%
Term49-60 months
Last UpdatedSep 18, 2026
Details
As Low As; *
Temple Inland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.47%
109 N Temple Dr, Diboll, TX, 75941
New & Used Auto
4.15%
36-60 months
▼
APR4.15%
Term36-60 months
Last UpdatedSep 18, 2026
Details
Tier 2 700-749
Temple Inland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.47%
109 N Temple Dr, Diboll, TX, 75941
New & Used Auto
4.15%
61-75 months
▼
APR4.15%
Term61-75 months
Last UpdatedSep 18, 2026
Details
Tier 2 700-749
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.84%
3301 Airport Fwy Ste 175, Bedford, TX, 76021 6123
New and Used Autos
4.24%
24 Months
▼
APR4.24%
Term24 Months
Last UpdatedSep 21, 2026
Details
Up to 120% Financing on Approved Credit
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.84%
3301 Airport Fwy Ste 175, Bedford, TX, 76021 6123
New and Used Autos
4.24%
36 Months
▼
APR4.24%
Term36 Months
Last UpdatedSep 21, 2026
Details
Up to 120% Financing on Approved Credit
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.39%
24909 Kuykendahl Rd, Tomball, TX, 77375 3295
USED Autos - Up to 36 Months
4.25%
Up to 36 Months
▼
APR4.25%
TermUp to 36 Months
Last UpdatedSep 18, 2026
Details
As Low As; Rates as low as 4.25% - 13.75%
Brazos Star Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
701 Harvey Rd, College Station, TX, 77840
New or used Vehicles up to three years old Loan
4.25%
48 to 59 Months
▼
APR4.25%
Term48 to 59 Months
Last UpdatedSep 18, 2026
Details
As low as; Vehicles up to three years old
Brazos Star Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
701 Harvey Rd, College Station, TX, 77840
Used Vehicles older than 3 years with less than 85k miles Loan
4.25%
Up to 48 Months
▼
APR4.25%
TermUp to 48 Months
Last UpdatedSep 18, 2026
Details
As low as; Used Vehicles older than 3 years with less than 85k miles
Southern Star Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.29%
16035 W Little York Rd, Houston, TX, 77084
Used Auto Loans
4.25%
Up to 36 Months
▼
APR4.25%
TermUp to 36 Months
Last UpdatedSep 18, 2026
Details
As Low As
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.03%
2736 Nall St, Port Neches, TX, 77651 5204
Used Auto Loans
4.25%
0-24 months
▼
APR4.25%
Term0-24 months
Last UpdatedSep 18, 2026
Details
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.03%
2736 Nall St, Port Neches, TX, 77651 5204
Used Auto Loans
4.25%
25-36 months
▼
APR4.25%
Term25-36 months
Last UpdatedSep 18, 2026
Details
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.03%
2736 Nall St, Port Neches, TX, 77651 5204
Used Auto Loans
4.25%
37-48 months
▼
APR4.25%
Term37-48 months
Last UpdatedSep 18, 2026
Details
Temple Inland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.47%
109 N Temple Dr, Diboll, TX, 75941
New & Used Auto
4.25%
78-84 months
▼
APR4.25%
Term78-84 months
Last UpdatedSep 18, 2026
Details
Tier 1 750-up
Sabine Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.14%
1939 Strickland Dr, Orange, TX, 77630 2901
New or Used Autos or Harley Davidson Motorcycles
4.25%
48 months or less
▼
APR4.25%
Term48 months or less
Last UpdatedSep 18, 2026
Details
Sabine Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.14%
1939 Strickland Dr, Orange, TX, 77630 2901
New or Used Autos or Harley Davidson Motorcycles
4.25%
60 months or less
▼
APR4.25%
Term60 months or less
Last UpdatedSep 18, 2026
Details
Sabine Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.14%
1939 Strickland Dr, Orange, TX, 77630 2901
Used Auto
4.25%
60 months
▼
APR4.25%
Term60 months
Last UpdatedSep 18, 2026
Details
Monthly payment amount approximately $18.56 on $1,000 for 60 months at 4.25% APR.
Cy-Fair Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.18%
9601 Jones Rd, Houston, TX, 77065
New & Used Auto
4.25%
36 to 84 Months
▼
APR4.25%
Term36 to 84 Months
Last UpdatedSep 21, 2026
Details
As Low As
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
8500 W Bay Rd # 32, Baytown, TX, 77523 8727
New/Used Vehicles - 730+ Score Loan
4.25%
48 Mo.
▼
APR4.25%
Interest Rate4.25%
Term48 Mo.
Last UpdatedSep 21, 2026
Details
Credit Grade: A+
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
16320 Kensington Dr, Sugar Land, TX, 77479 4097
Used Automobile Loan
4.25%
Up to 36 Months
▼
APR4.25%
TermUp to 36 Months
Last UpdatedSep 21, 2026
Details
As Low As; Fixed Rate
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
14090 Southwest Fwy Ste 260, Sugar Land, TX, 77478 3678
Used Auto Loan
4.25%
48 months
▼
APR4.25%
Term48 months
Last UpdatedSep 21, 2026
Details
As Low As; Loan amount: Up to $250,000; Vehicle age: Up to 5 Years old / 2021+
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
14090 Southwest Fwy Ste 260, Sugar Land, TX, 77478 3678
Used Auto Loan
4.25%
36 months
▼
APR4.25%
Term36 months
Last UpdatedSep 21, 2026
Details
As Low As; Loan amount: Up to $250,000; Vehicle age: 6-10 Years old / 2015+
Gulf Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
5140 W Parkway St, Groves, TX, 77619
New & Used Autos
4.25%
48 months
▼
APR4.25%
Term48 months
Last UpdatedSep 21, 2026
Details
As Low As
Gulf Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
5140 W Parkway St, Groves, TX, 77619
New & Used Autos
4.25%
60 months
▼
APR4.25%
Term60 months
Last UpdatedSep 21, 2026
Details
As Low As
Texas Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.55%
12611 Fuqua St, Houston, TX, 77034
Auto Loans - Used & New
4.29%
61-72 months
▼
APR4.29%
Term61-72 months
Last UpdatedSep 18, 2026
Details
As Low As; *
The Peoples Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
7200 Hillside Rd, Amarillo, TX, 79109 7460
New & Used Vehicles Loan
4.29%
3 yrs*
▼
APR4.29%
Term3 yrs*
Last UpdatedSep 20, 2026
Details
As low as; Rate includes both discounts
The Peoples Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
7200 Hillside Rd, Amarillo, TX, 79109 7460
New & Used Vehicles Loan
4.29%
4 yrs*
▼
APR4.29%
Term4 yrs*
Last UpdatedSep 20, 2026
Details
Rate includes both discounts
First Watch Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1118 Pine St, Abilene, TX, 79601 3529
Used Auto 2023
4.29%
Up to 72 months
▼
APR4.29%
TermUp to 72 months
Last UpdatedSep 21, 2026
Details
Published APR range: 4.29% - 17.99%. Maximum Loan: NADA Value
First Watch Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1118 Pine St, Abilene, TX, 79601 3529
Used Auto 2024
4.29%
Up to 78 months
▼
APR4.29%
TermUp to 78 months
Last UpdatedSep 21, 2026
Details
Published APR range: 4.29% - 17.99%. Maximum Loan: NADA Value
First Watch Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1118 Pine St, Abilene, TX, 79601 3529
Used Auto 2026-2025
4.29%
Up to 84 months
▼
APR4.29%
TermUp to 84 months
Last UpdatedSep 21, 2026
Details
Published APR range: 4.29% -17.99%. Maximum Loan: NADA Value
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
1 Valero Way, San Antonio, TX, 78249 1616
New & Used Vehicles
4.35%
60 months
▼
APR4.35%
Interest Rate4.35%
Term60 months
Last UpdatedSep 21, 2026
Details
As Low As
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
1 Valero Way, San Antonio, TX, 78249 1616
New & Used Vehicles - 60 months Loan
4.35%
60 months
▼
APR4.35%
Term60 months
Last UpdatedSep 21, 2026
Details
As Low As
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
1 Valero Way, San Antonio, TX, 78249 1616
New & Used Vehicles Loan
4.35%
60 months
▼
APR4.35%
Term60 months
Last UpdatedSep 21, 2026
Details
As Low As
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
2901 Sens Rd, La Porte, TX, 77571
New & Used Autos
4.39%
49 - 65 Months
▼
APR4.39%
Term49 - 65 Months
Last UpdatedSep 20, 2026
Details
Published APR range: 4.39% -13.14%. APR = Annual Percentage Rate; All Rates & Terms are subject to change without notice.
Southwest Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.55%
1750 Valley View Ln Ste 110, Farmers Branch, TX, 75234 9024
Used Auto
4.39%
Up to 72 months
▼
APR4.39%
TermUp to 72 months
Last UpdatedSep 21, 2026
Details
As Low As; *
Americas Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.94%
2154 FOREST LN, GARLAND, TX, 75042
New and Used Auto Loans
4.40%
60-Months
▼
APR4.40%
Term60-Months
Last UpdatedSep 18, 2026
Details
As Low As
Tyler City Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.19%
3711 Frankston Hwy, Tyler, TX, 75701
New & Used Auto 2022 - 2026
4.40%
60 Month Term
▼
APR4.40%
Term60 Month Term
Last UpdatedSep 18, 2026
Details
Credit scores: 700+
Swemp Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.27%
601 OLIVE ST, TEXARKANA, TX, 75501
Pre-Owned Autos
4.45%
Up to 84 Months
▼
APR4.45%
TermUp to 84 Months
Last UpdatedSep 18, 2026
Details
As Low As; Rates are based on a combination of your credit score, terms and other lending criteria. Each application is evaluated on an individual basis. Rates up to 18%. Stated "rates as low as" apply to well-qualified applicants.
Libertyone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.70%
4050 Alpha Rd Ste 120, Farmers Branch, TX, 75244
New and Used Automobiles
4.49%
24 months
▼
APR4.49%
Interest Rate4.49%
Term24 months
Last UpdatedSep 18, 2026
Details
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
2455 Stringer St, Brenham, TX, 77833
2023-2025 Used Vehicles Loan
4.49%
Up to 48 Months
▼
APR4.49%
TermUp to 48 Months
Last UpdatedSep 18, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
100 N Kimball Ave Ste 103, Southlake, TX, 76092 8024
New and Used Other Vehicle Loans
4.49%
72 months
▼
APR4.49%
Term72 months
Last UpdatedSep 18, 2026
Details
Term: 72 months for $20,000 or more on boats, RVs, aircraft and motorcycle loans only
Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.78%
4800 GROVER AVE, AUSTIN, TX, 78756
New and Used Vehicles Loan
4.49%
Up to 48 Months
▼
APR4.49%
TermUp to 48 Months
Last UpdatedSep 18, 2026
Details
As Low As*
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MonitorBankRates
Texas Auto Loan Rate Trends
Compare local Texas auto loan rates against the statewide average
Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
New Auto Loan TX Avg
5.785%
▼ 0.220 vs 7 days ago
Texas new auto rates fell 0.220 points over the past 7 days to 5.785% APR.
Used Auto Loan TX Avg
6.095%
▼ 0.249 vs 7 days ago
Texas used auto rates fell 0.249 points over the past 7 days to 6.095% APR.
As of Sep 22, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Texas Auto Loan Rate Forecast, Next 12 Months
Auto loan APRs track lender funding costs, which follow Federal Reserve policy. Our model projects the likely path of new and used auto averages from the current Texas figures.
Current New Auto Avg
5.79%
APR, as of Sep 22, 2026
6-Month Forecast
5.87%
Fed hold assumed
12-Month Forecast
5.94%
Range: 5.59% to 6.14%
Forecast Methodology & Assumptions
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; auto lenders reprice within one to two policy cycles as funding costs move, and credit union pricing tends to lag banks slightly.
Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.
What Would Your Monthly Car Payment Be?
Estimated monthly payments on a standard 60-month auto loan at today’s average Texas APRs. Even a small APR difference adds up over the life of a car loan. Use the calculator below to model your exact loan.
| Loan Amount | New Auto @ 5.78% APR TX average | Used Auto @ 6.09% APR TX average | Monthly Difference |
|---|---|---|---|
| $15,000 | $288.49/mo | $290.65/mo | $2.16/mo |
| $25,000 | $480.82/mo | $484.42/mo | $3.60/mo |
| $35,000 | $673.15/mo | $678.19/mo | $5.04/mo |
| $45,000 | $865.48/mo | $871.96/mo | $6.48/mo |
Principal and interest only, 60-month term, calculated from current average APRs. Taxes, title, registration, and optional add-ons are not included. Your APR depends on credit score, loan term, vehicle age, and lender underwriting.
How to Get the Best Auto Loan Rate in Texas
1
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Texas locks in a real rate before you set foot on a dealer lot. It turns you into a cash buyer, gives you a benchmark to beat, and protects you from dealer financing markups. Dealers can legally add points to the rate a lender actually approved you for.
2
Check Credit Unions First
Credit unions consistently offer some of the lowest auto loan APRs in Texas. Membership is usually easier to get than people expect. Many local credit unions accept anyone who lives, works, or worships in the area, and some let you join with a small donation to a partner charity.
3
Choose the Shortest Term You Can Afford
Shorter terms almost always carry lower APRs, and you pay interest for fewer months. A 72- or 84-month loan lowers the monthly payment but dramatically raises total interest cost and increases the time you spend “underwater”, owing more than the car is worth. Aim for 60 months or less if the payment fits your budget.
4
Mind the New vs. Used Rate Spread
Used car loans typically run 0.5 to 1.5 percentage points above new car rates. If you’re shopping late-model used vehicles, ask about certified pre-owned programs. CPO vehicles sometimes qualify for new-car financing rates, which can offset part of the price difference between the two.
Building a down payment, or is an auto loan not the right fit?
- Saving up for a bigger down payment: park it in a Texas high-yield savings account so it earns while you shop
- Buying from a private seller where auto financing is harder to arrange: compare personal loan rates
- Car fund you won’t need for a set period: Texas CD rates lock in a guaranteed return until you’re ready to buy
Texas Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau
$44,072
Median Individual Earnings
National avg: $47,340
5.2%
Unemployment Rate
National avg: 4.8%
13.8%
Poverty Rate
National avg: 11.1%
$577/mo
Payment on a $30K / 60-mo Loan
At TX new-auto avg 5.78% APR
A $577 monthly car payment works out to roughly 15.7% of the median individual income in Texas. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15–20% of take-home pay.
Auto Financing Options Compared
An auto loan isn’t the only way to finance a vehicle in Texas, but for most borrowers it’s the cheapest. Here’s how the main options stack up.
| Feature | Credit Union Auto Loan | Bank Auto Loan | Dealer Financing | Personal Loan |
|---|---|---|---|---|
| Typical APR Level | ✓ Often lowest | ✓ Competitive | ● Varies, can be marked up | ✗ Highest (unsecured) |
| Rate Locked Before You Shop | ✓ Yes, via preapproval | ✓ Yes, via preapproval | ✗ Arranged at the dealership | ✓ Yes |
| Membership / Relationship Required | ● Membership (usually easy) | ✗ No | ✗ No | ✗ No |
| Works for Private-Party Sales | ✓ Usually | ● Sometimes | ✗ No | ✓ Yes |
| Convenience at Purchase | ● Preapproval step first | ● Preapproval step first | ✓ One-stop at the dealer | ● Funds in 1–3 days |
| Best For | Lowest total cost of borrowing | Existing bank customers & rate discounts | Manufacturer 0% promos on new cars | Older vehicles lenders won’t finance |
General comparison for educational purposes. Manufacturer promotional financing (0–2.9% APR offers) through dealers can beat any bank or credit union rate when you qualify. Always compare the promo against a cash rebate plus outside financing.
Auto Loan Payment Calculator
Estimate your monthly payment on a new or used vehicle in Texas. We’ve prefilled the APR with today’s TX new-auto average, or click any current rate on the right to apply it instantly.
$
$
%
Current Rates: Click to Apply
$0
Estimated Monthly Payment
Loan Amount$0
Total Interest Paid$0
Total of All Payments$0
Total Cost incl. Down Payment$0
Estimates include principal and interest only. Sales tax, title, registration, documentation fees, and optional products (GAP, warranties) are not included and are often financed into the loan. Advertised APRs typically require excellent credit; your rate may differ.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Texas auto loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Auto Loan Rate Data: We aggregate new and used auto loan rates for Texas directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the lenders’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available auto loan products in Texas. We feature a comprehensive mix of lenders, from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in TX.
Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.
Frequently Asked Questions about Auto Loans in Texas
How does my credit score affect my car loan rate in Texas?
Your credit score is the biggest factor determining your auto loan APR. Borrowers in Texas with excellent credit (750+) qualify for the lowest rates, while those with lower scores will see significantly higher interest costs.
Is it better to finance through a dealership or a bank?
It is highly recommended to get pre-approved through a local bank or credit union in Texas *before* visiting a dealership. Dealerships often mark up interest rates to make a profit.
What is the difference between New and Used Auto Loan rates?
Lenders in Texas typically offer lower interest rates for new cars because they are easier to value and represent less risk. Used car loans generally carry slightly higher APRs.
How long should my auto loan term be?
While 72-month and 84-month loans lower your monthly payment, they cost you far more in total interest. The ideal auto loan term is 60 months or less.
Should I get preapproved for an auto loan before visiting a dealer in Texas?
Yes. A preapproval from a bank or credit union serving Texas gives you a real rate to compare against dealer financing and turns you into a cash buyer at the negotiating table. Dealers often mark up the rates they arrange, so walking in with a preapproved offer routinely saves buyers money on the financing side of the deal.
Why are used car loan rates higher than new car rates?
Lenders charge more for used vehicles because they are harder to value, depreciate unpredictably, and carry more repossession risk. The spread between new and used rates is typically 0.5 to 1.5 percentage points. A late-model certified pre-owned vehicle sometimes qualifies for new-car rates, so ask the lender how they classify the vehicle before assuming the used rate applies.
Can I refinance my auto loan if rates drop or my credit improves?
Yes. Auto loan refinancing is usually fast and often fee-free. If your credit score has improved since you bought the vehicle, or you financed at a marked-up dealer rate, refinancing with a bank or credit union serving Texas can lower your monthly payment or shorten your term. It makes the most sense early in the loan, while most of your payments are still going to interest.
What are the best Auto Loan rates in Texas?
Based on our current data, some of the lowest auto loan rates available in Texas include:
- BELTON: 1.99% (New Vehicle Loan)
- HIGHWAY DISTRICT 21: 2.50% (RATES ON VEHICLES - 2026/2025/2024 Loan)
- Southern Federal Credit Union: 2.50% (Auto Loans)
- IBEW Local 66 Federal Credit Union: 2.95% (New Automobile Loan)
- TEXOMA EDUCATORS: 2.99% (New vehicles Loan)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Texas. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: September 21, 2026
Auto Loan Rates by City in Texas
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