Auto Loan Rates in Texas (TX) for July 2026
Content reviewed by
Brian McKay
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Editorial Disclosure
Brian McKay
Brian McKay
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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 Southern Federal Credit UnionSouthern Federal Credit Union1414 Enclave Pkwy Ste 250, Houston, TX, 77077 2023A+5.0 ★Texas Ratio: 3.11% 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: 1.92% offering New Vehicles, New Automobile (NA) A+ (800 at 2.95%, TEXOMA EDUCATORSTEXOMA EDUCATORS506 W Lamar St, Sherman, TX, 75090 5840A+5.0 ★Texas Ratio: 2.34% offering New vehicles Loan at 2.99%, Members Choice Credit UnionMembers Choice Credit Union18211 Katy Fwy, Houston, TX, 77094 1395A5.0 ★Texas Ratio: 7.88% offering New and Pre-Owned Autos at 3.24%, Lubrizol Employees Credit UnionLubrizol Employees Credit Union205 Center St, Deer Park, TX, 77536 2735A+5.0 ★Texas Ratio: 1.17% offering New & Used Automobile at 3.24%. Auto loan rates as of July 15, 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 2.50% APR from Southern Federal Credit Union at 1414 Enclave Pkwy Ste 250, Houston, TX, 77077 2023. Rates are continually updated — 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: July 15, 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
Southern Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
1414 Enclave Pkwy Ste 250, Houston, TX, 77077 2023
Auto Loans
2.50%
84 months
▼
APR2.50%
Term84 months
Last UpdatedJul 15, 2026
Details
As low as; 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 terms available up to 84 months. Rates of 2.50% to 14.90% APR available depending on term.
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
New Vehicles, New Automobile (NA) A+ (800
2.95%
0-36 Months
▼
APR2.95%
Term0-36 Months
Last UpdatedJul 15, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
Pre-Owned (Used) Vehicles A+ (800 Loan
2.95%
0-36 Months
▼
APR2.95%
Term0-36 Months
Last UpdatedJul 15, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
506 W Lamar St, Sherman, TX, 75090 5840
New vehicles Loan
2.99%
0-36 months
▼
APR2.99%
Term0-36 months
Last UpdatedJul 14, 2026
Details
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
18211 Katy Fwy, Houston, TX, 77094 1395
New and Pre-Owned Autos
3.24%
12-36 Months
▼
APR3.24%
Term12-36 Months
Last UpdatedJul 7, 2026
Details
As low as 3.24% APR*, plus free GAP! APR=Annual Percentage Rate. Terms and conditions apply. Click for full details.
Lubrizol Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.17%
205 Center St, Deer Park, TX, 77536 2735
New & Used Automobile
3.24%
24 Mo to 60 Mo
▼
APR3.24%
Term24 Mo to 60 Mo
Last UpdatedJul 10, 2026
Details
Rates are variable and subject to change. See loan officer for details.
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
American Airlines Credit Union, Fort Worth, TX, 76155
New Auto
3.34%
Up to 36 Months
▼
APR3.34%
TermUp to 36 Months
Last UpdatedJul 15, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
2901 Sens Rd, La Porte, TX, 77571
Auto Loan
3.39%
65 months
▼
APR3.39%
Term65 months
Last UpdatedJul 15, 2026
Details
As Low As
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
2901 Sens Rd, La Porte, TX, 77571
New & Used Autos
3.39%
Up to 36 Months
▼
APR3.39%
TermUp to 36 Months
Last UpdatedJul 15, 2026
Details
APR = Annual Percentage Rate. All Rates & Terms are subject to change without notice.
USE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.86%
400 S Akard St, Dallas, TX, 75202 5324
New & Used Autos
3.49%
2025 and newer up to 72 months; 2022 - 2024 up to 60 months; 2021 and older up t
▼
APR3.49%
Term2025 and newer up to 72 months; 2022 - 2024 up to 60 months; 2021 and older up t
Last UpdatedJul 6, 2026
Details
As Low As; *
InvesTex Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
905 Aldine Bender Rd, Houston, TX, 77032
New and Used Auto Loan
3.49%
Up to 36 Months
▼
APR3.49%
TermUp to 36 Months
Last UpdatedJul 14, 2026
Details
Star Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.66%
10429 Leopard St, Corpus Christi, TX, 78410 1933
Auto Loans
3.57%
18 - 84 months
▼
APR3.57%
Term18 - 84 months
Last UpdatedJul 11, 2026
Details
InvesTex Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
905 Aldine Bender Rd, Houston, TX, 77032
New and Used Auto Loan
3.69%
Up to 48 Months
▼
APR3.69%
TermUp to 48 Months
Last UpdatedJul 14, 2026
Details
Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
183 E Price Rd, Brownsville, TX, 78521
New Auto Loan
3.70%
up to 75 Months
▼
APR3.70%
Termup to 75 Months
Last UpdatedJul 12, 2026
Details
Victoria City County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
205 N Bridge St Ste 111, Victoria, TX, 77901
New & Used Auto Loans
3.72%
36 to 72 Months
▼
APR3.72%
Term36 to 72 Months
Last UpdatedJul 15, 2026
Details
APR Type: Fixed
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
2900 Decker Dr, Baytown, TX, 77520 2076
New Autos
3.74%
Up to 36 Months
▼
APR3.74%
TermUp to 36 Months
Last UpdatedJul 11, 2026
Details
As Low As; Fewer than 7,500 miles
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
2900 Decker Dr, Baytown, TX, 77520 2076
Used Autos
3.74%
Up to 36 Months
▼
APR3.74%
TermUp to 36 Months
Last UpdatedJul 11, 2026
Details
As Low As; Fewer than 100,000 miles
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
American Airlines Credit Union, Fort Worth, TX, 76155
Used Auto
3.84%
Up to 36 Months
▼
APR3.84%
TermUp to 36 Months
Last UpdatedJul 15, 2026
Details
Everman Parkway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
1216 Everman Pkwy, Fort Worth, TX, 76140 5002
Auto Loans
3.89%
36 months
▼
APR3.89%
Term36 months
Last UpdatedJul 7, 2026
Details
Fixed-Rate up to 36 months as low as 3.89% APR
Americas Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
2154 FOREST LN, GARLAND, TX, 75042
Auto Loans
3.89%
36 months
▼
APR3.89%
Term36 months
Last UpdatedJul 7, 2026
Details
Fixed-Rate up to 36 months as low as 3.89% APR
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
2901 Sens Rd, La Porte, TX, 77571
New & Used Autos
3.89%
37-48 Months
▼
APR3.89%
Term37-48 Months
Last UpdatedJul 15, 2026
Details
APR = Annual Percentage Rate. All Rates & Terms are subject to change without notice.
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
12611 Fuqua St, Houston, TX, 77034
Used & New Auto Loans
3.94%
0-36 months
▼
APR3.94%
Term0-36 months
Last UpdatedJul 7, 2026
Details
As Low As; *
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
2801 N 6th St, Abilene, TX, 79603
New Auto Loans - Cars and Light Trucks
3.95%
1 - 84 months
▼
APR3.95%
Term1 - 84 months
Last UpdatedJul 15, 2026
Details
Model Year(s): 2026
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
2801 N 6th St, Abilene, TX, 79603
Used Auto Loans - Cars and Light Trucks 2024
3.95%
1 - 84 months
▼
APR3.95%
Term1 - 84 months
Last UpdatedJul 15, 2026
Details
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
2801 N 6th St, Abilene, TX, 79603
Used Auto Loans - Cars and Light Trucks 2025
3.95%
1 - 84 months
▼
APR3.95%
Term1 - 84 months
Last UpdatedJul 15, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
New Vehicles, New Automobile (NA) A (720-799)
3.95%
0-36 Months
▼
APR3.95%
Term0-36 Months
Last UpdatedJul 15, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
New Vehicles, New Automobile (NA) A+ (800
3.95%
37-60 Months
▼
APR3.95%
Term37-60 Months
Last UpdatedJul 15, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
Pre-Owned (Used) Vehicles A (720-799) Loan
3.95%
0-36 Months
▼
APR3.95%
Term0-36 Months
Last UpdatedJul 15, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
Pre-Owned (Used) Vehicles A+ (800 Loan
3.95%
37-60 Months
▼
APR3.95%
Term37-60 Months
Last UpdatedJul 15, 2026
Details
Texasgulf Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
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 UpdatedJul 6, 2026
Details
As Low As; New or used vehicle up to 36 months.
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
13649 Montfort Dr, Dallas, TX, 75240 2521
New Auto Loans
3.99%
54 months or Less
▼
APR3.99%
Term54 months or Less
Last UpdatedJul 7, 2026
Details
As Low As; New Auto Loans
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
13649 Montfort Dr, Dallas, TX, 75240 2521
Vehicle Loans
3.99%
54 Months
▼
APR3.99%
Term54 Months
Last UpdatedJul 7, 2026
Details
As low as; Finance a new or used vehicle or refinance from another lender.
Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
11920 Alterra Pkwy, Austin, TX, 78758
Auto Loan
3.99%
up to 36 months
▼
APR3.99%
Termup to 36 months
Last UpdatedJul 11, 2026
Details
As Low As; *
Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
11920 Alterra Pkwy, Austin, TX, 78758
Auto Loans
3.99%
up to 36 months
▼
APR3.99%
Termup to 36 months
Last UpdatedJul 11, 2026
Details
As Low As; *
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedJul 11, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto Loan
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedJul 11, 2026
Details
United Heritage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.17%
12208 N Mopac Expy, Austin, TX, 78758
New/Used Auto Loan
3.99%
0 to 36 Months
▼
APR3.99%
Term0 to 36 Months
Last UpdatedJul 11, 2026
Details
As Low As
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
8800 US Highway 380, Cross Roads, TX, 76227
Repo Vehicle Loans
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedJul 11, 2026
Details
Fixed Rate
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
24909 Kuykendahl Rd, Tomball, TX, 77375 3295
NEW Autos Up to 36 Months
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedJul 13, 2026
Details
As Low As; Rates range from 3.99% to 13.00%
InvesTex Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
905 Aldine Bender Rd, Houston, TX, 77032
New and Used Auto Loan
3.99%
Up to 60 Months
▼
APR3.99%
TermUp to 60 Months
Last UpdatedJul 14, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
506 W Lamar St, Sherman, TX, 75090 5840
New vehicles Loan
3.99%
37-48 months
▼
APR3.99%
Term37-48 months
Last UpdatedJul 14, 2026
Details
Rockdale Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
1821 W Cameron Ave, Rockdale, TX, 76567
New Vehicles Loan
3.99%
Up to 84 Months
▼
APR3.99%
TermUp to 84 Months
Last UpdatedJul 15, 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
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2610 Network Blvd Ste 600, Frisco, TX, 75034 6009
New Cars and Trucks Loan
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedJul 6, 2026
Details
Concho Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
1002 S Abe St, San Angelo, TX, 76903 7240
New Auto
4.00%
36 months
▼
APR4.00%
Term36 months
Last UpdatedJul 7, 2026
Details
As Low As; Maximum Loan: 100%
Concho Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
1002 S Abe St, San Angelo, TX, 76903 7240
Used Autos
4.00%
24 to 60 months
▼
APR4.00%
Term24 to 60 months
Last UpdatedJul 7, 2026
Details
As Low As; Maximum Loan: NADA RETAIL VALUE
Service 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
10001 Jack Finney Blvd, Greenville, TX, 75402
New Vehicle Loan
4.00%
up to 94 months
▼
APR4.00%
Termup to 94 months
Last UpdatedJul 7, 2026
Details
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
5211 E Parkway St, Groves, TX, 77619
New & Used Auto
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedJul 15, 2026
Details
As Low As
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.62%
3505 Wildewood Dr, San Angelo, TX, 76904
New Automobiles & Light Trucks
4.00%
36 mos.
▼
APR4.00%
Term36 mos.
Last UpdatedJul 15, 2026
Details
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.62%
3505 Wildewood Dr, San Angelo, TX, 76904
Used Automobiles & Light Trucks
4.00%
36 mos.
▼
APR4.00%
Term36 mos.
Last UpdatedJul 15, 2026
Details
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
100 Dominion Park Dr, Houston, TX, 77090 6716
Auto Loans (New & Used)
4.05%
Up to 36 Months
▼
APR4.05%
TermUp to 36 Months
Last UpdatedJul 6, 2026
Details
As Low As; Model Years: 2019-2025
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
100 Dominion Park Dr, Houston, TX, 77090 6716
New & Used Auto Loans
4.05%
Up to 36 Months
▼
APR4.05%
TermUp to 36 Months
Last UpdatedJul 6, 2026
Details
As Low As; Model Years: 2019-2025
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
American Airlines Credit Union, Fort Worth, TX, 76155
New Auto
4.09%
Up to 60 months
▼
APR4.09%
TermUp to 60 months
Last UpdatedJul 15, 2026
Details
Mesquite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
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 UpdatedJul 7, 2026
Details
As Low As
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
12611 Fuqua St, Houston, TX, 77034
Used & New Auto Loans
4.14%
49-60 months
▼
APR4.14%
Term49-60 months
Last UpdatedJul 7, 2026
Details
As Low As; *
Chocolate Bayou Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
1301 Highway 35 Byp N, Alvin, TX, 77511 2681
Auto Loan
4.17%
Up to 60 Months
▼
APR4.17%
TermUp to 60 Months
Last UpdatedJul 15, 2026
Details
As Low As; APR
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
2801 N 6th St, Abilene, TX, 79603
Used Auto Loans - Cars and Light Trucks 2023
4.20%
1 - 78 months
▼
APR4.20%
Term1 - 78 months
Last UpdatedJul 15, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
3301 Airport Fwy Ste 175, Bedford, TX, 76021 6123
New & Used Autos
4.24%
24 Mos.
▼
APR4.24%
Term24 Mos.
Last UpdatedJul 10, 2026
Details
As Low As
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
24909 Kuykendahl Rd, Tomball, TX, 77375 3295
NEW Autos Up to 48 Months
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedJul 13, 2026
Details
As Low As; Rates range from 4.25% to 13.49%
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
24909 Kuykendahl Rd, Tomball, TX, 77375 3295
USED Autos Up to 36 Months
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedJul 13, 2026
Details
As Low As; Rates range from 4.25% to 13.75%
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
2736 Nall St, Port Neches, TX, 77651 5204
New Auto Loans
4.25%
0-24 months
▼
APR4.25%
Term0-24 months
Last UpdatedJul 14, 2026
Details
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
2736 Nall St, Port Neches, TX, 77651 5204
Used Auto Loans
4.25%
0-24 months
▼
APR4.25%
Term0-24 months
Last UpdatedJul 14, 2026
Details
DuGood Federal Credit Union
Institution Rating:
F2.8 ★ Texas Ratio: 0.47%
7505 Eastex Fwy Ste B, Beaumont, TX, 77708
New & Used Auto Loan
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedJul 14, 2026
Details
Vehicle Age: Up to 2026
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
324 N MAIN AVE, DENVER CITY, TX, 79323 3242
Vehicle Loan
4.25%
Up to 3 Years (1-36M)
▼
APR4.25%
TermUp to 3 Years (1-36M)
Last UpdatedJul 15, 2026
Details
Equifax Score: 750+; Loan to Value Max.(MSRP/NADA Retail): 115%; Debt Ratio Maximum: 48%
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
16320 Kensington Dr, Sugar Land, TX, 77479 4097
Used Automobile Loan
4.25%
Up to 36 Months
▼
APR4.25%
TermUp to 36 Months
Last UpdatedJul 15, 2026
Details
As Low As; Fixed Rate
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
12611 Fuqua St, Houston, TX, 77034
Used & New Auto Loans
4.29%
61-72 months
▼
APR4.29%
Term61-72 months
Last UpdatedJul 7, 2026
Details
As Low As; *
Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
11920 Alterra Pkwy, Austin, TX, 78758
Auto Loan
4.29%
up to 48 months
▼
APR4.29%
Termup to 48 months
Last UpdatedJul 11, 2026
Details
As Low As
Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
11920 Alterra Pkwy, Austin, TX, 78758
Auto Loans
4.29%
up to 48 months
▼
APR4.29%
Termup to 48 months
Last UpdatedJul 11, 2026
Details
As Low As
InvesTex Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
905 Aldine Bender Rd, Houston, TX, 77032
New and Used Auto Loan
4.29%
Up to 72 Months
▼
APR4.29%
TermUp to 72 Months
Last UpdatedJul 14, 2026
Details
The Peoples Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.36%
7200 Hillside Rd, Amarillo, TX, 79109 7460
New & Used Vehicles Loan
4.29%
3 yrs*
▼
APR4.29%
Term3 yrs*
Last UpdatedJul 15, 2026
Details
As low as; Rate includes both discounts
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
2801 N 6th St, Abilene, TX, 79603
Used Auto Loans - Cars and Light Trucks 2022
4.30%
1 - 72 months
▼
APR4.30%
Term1 - 72 months
Last UpdatedJul 15, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
1 Valero Way, San Antonio, TX, 78249 1616
New & Used Vehicles - 60 months Loan
4.35%
60 months
▼
APR4.35%
Term60 months
Last UpdatedJul 15, 2026
Details
As Low As
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
2901 Sens Rd, La Porte, TX, 77571
New & Used Autos
4.39%
49 - 65 Months
▼
APR4.39%
Term49 - 65 Months
Last UpdatedJul 15, 2026
Details
APR = Annual Percentage Rate. All Rates & Terms are subject to change without notice.
Southwest Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.85%
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 UpdatedJul 15, 2026
Details
As Low As; *
Southwest Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.85%
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 UpdatedJul 15, 2026
Details
As Low As; *
Americas Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
2154 FOREST LN, GARLAND, TX, 75042
New and Used Auto Loans
4.40%
60-Months
▼
APR4.40%
Term60-Months
Last UpdatedJul 7, 2026
Details
As Low As; See Auto Loan Rates
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
2801 N 6th St, Abilene, TX, 79603
Used Auto Loans - Cars and Light Trucks 2021
4.40%
1 - 66 months
▼
APR4.40%
Term1 - 66 months
Last UpdatedJul 15, 2026
Details
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.77%
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 UpdatedJul 15, 2026
Details
As Low As
Chocolate Bayou Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
1301 Highway 35 Byp N, Alvin, TX, 77511 2681
Auto Loan
4.42%
Up to 72 Months
▼
APR4.42%
TermUp to 72 Months
Last UpdatedJul 15, 2026
Details
As Low As; APR
Cherokee County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.79%
145 FM 2972 W, RUSK, TX, 75785
New Car Loan
4.45%
84 months
▼
APR4.45%
Term84 months
Last UpdatedJul 8, 2026
Details
Rates as low as 4.35%.
Lubbock Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2802 York Ave Unit D, LUBBOCK, TX, 79407 2632
New Auto Loan
4.49%
Up to 48 mo.
▼
APR4.49%
TermUp to 48 mo.
Last UpdatedJul 6, 2026
Details
Rates effective 9/1/2025. All rates presented are APR (Annual Percentage Rate). Fixed rates. Rates shown are based on excellent credit history, underwriting criteria, and account qualification. Rates subject to change. New Vehicles: 2025-2026 model years.
Gulf Shore Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.68%
1306 N Logan St, Texas City, TX, 77590 5046
Autos 2026-2022: 0-24 months
4.49%
24 Months
▼
APR4.49%
Term24 Months
Last UpdatedJul 6, 2026
Details
As Low As; *
Gulf Shore Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.68%
1306 N Logan St, Texas City, TX, 77590 5046
Autos 2026-2022: 0-72 months
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedJul 6, 2026
Details
As Low As; *
Gulf Shore Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.68%
1306 N Logan St, Texas City, TX, 77590 5046
Autos 2026-2022: 25-36 months
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedJul 6, 2026
Details
As Low As; *
Gulf Shore Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.68%
1306 N Logan St, Texas City, TX, 77590 5046
Autos 2026-2022: 37-48 months
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedJul 6, 2026
Details
As Low As; *
Gulf Shore Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.68%
1306 N Logan St, Texas City, TX, 77590 5046
Autos 2026-2022: 49-63 months
4.49%
63 Months
▼
APR4.49%
Term63 Months
Last UpdatedJul 6, 2026
Details
As Low As; *
Access Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.08%
6401 Bell St, Amarillo, TX, 79109
Auto Loans - New Vehicles - 5 years and newer
4.49%
24 to 36 months
▼
APR4.49%
Term24 to 36 months
Last UpdatedJul 7, 2026
Details
Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.57%
4800 GROVER AVE, AUSTIN, TX, 78756
New and Used Vehicles Loan
4.49%
Up to 48 Months
▼
APR4.49%
TermUp to 48 Months
Last UpdatedJul 7, 2026
Details
City Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
7474 Ferguson Rd, Dallas, TX, 75228
New or Used Auto Loans
4.49%
24 months
▼
APR4.49%
Term24 months
Last UpdatedJul 7, 2026
Details
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
13649 Montfort Dr, Dallas, TX, 75240 2521
Auto Loans Used
4.49%
54 months or Less
▼
APR4.49%
Term54 months or Less
Last UpdatedJul 7, 2026
Details
As Low As; Auto Loans Used
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
13649 Montfort Dr, Dallas, TX, 75240 2521
New Auto Loans
4.49%
72 months
▼
APR4.49%
Term72 months
Last UpdatedJul 7, 2026
Details
As Low As; New Auto Loans
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
3301 Airport Fwy Ste 175, Bedford, TX, 76021 6123
New & Used Autos
4.49%
48 Mos.
▼
APR4.49%
Term48 Mos.
Last UpdatedJul 10, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
3301 Airport Fwy Ste 175, Bedford, TX, 76021 6123
New and Used Auto Loans
4.49%
60 months
▼
APR4.49%
Term60 months
Last UpdatedJul 10, 2026
Details
As Low As; APR = Annual Percentage Rate
Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
11920 Alterra Pkwy, Austin, TX, 78758
Auto Loan
4.49%
up to 60 months
▼
APR4.49%
Termup to 60 months
Last UpdatedJul 11, 2026
Details
As Low As
Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
11920 Alterra Pkwy, Austin, TX, 78758
Auto Loans
4.49%
up to 60 months
▼
APR4.49%
Termup to 60 months
Last UpdatedJul 11, 2026
Details
As Low As
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto
4.49%
Up to 48 months
▼
APR4.49%
TermUp to 48 months
Last UpdatedJul 11, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto Loan
4.49%
Up to 48 months
▼
APR4.49%
TermUp to 48 months
Last UpdatedJul 11, 2026
Details
Unity One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.61%
6701 Burlington Blvd, Fort Worth, TX, 76131
Auto Loan
4.49%
Up to 36 Months
▼
APR4.49%
TermUp to 36 Months
Last UpdatedJul 11, 2026
Details
New and Used Models 2020 and Newer;*
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
24909 Kuykendahl Rd, Tomball, TX, 77375 3295
NEW Autos Up to 60 Months
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedJul 13, 2026
Details
As Low As; Rates range from 4.49% to 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 UpdatedJul 13, 2026
Details
As Low As; Up to 125% of MSRP with approved credit.
TEXAS TECH
Institution Rating:
A5.0 ★ Texas Ratio: 3.51%
1802 Texas Tech Parkway, Lubbock, TX, 79409
New Auto Loan
4.49%
Up to 48 mo.
▼
APR4.49%
TermUp to 48 mo.
Last UpdatedJul 14, 2026
Details
Fixed rates. Rates shown are based on excellent credit history, underwriting criteria, and account qualification. New Vehicles: 2025-2026 model years.
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
2105 W Grande Blvd, Tyler, TX, 75703 0551
Used Vehicle Loan
4.49%
Up to 48 Months
▼
APR4.49%
TermUp to 48 Months
Last UpdatedJul 15, 2026
Details
Border Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
2211 N BEDELL AVE, Del Rio, TX, 78840
Summer Drive Auto Loan Promotion - New Vehicles
4.49%
up to 72 months
▼
APR4.49%
Termup to 72 months
Last UpdatedJul 15, 2026
Details
As Low As; Promotional rate tiered by credit grade. Credit Grade A+: 720 and above. Discount of 0.50% may apply for Direct Deposit and Automatic Loan Payments. Discount of 0.25% may apply if borrower utilizes two additional Border FCU services.
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2610 Network Blvd Ste 600, Frisco, TX, 75034 6009
New Cars and Trucks Loan
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedJul 6, 2026
Details
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2610 Network Blvd Ste 600, Frisco, TX, 75034 6009
Used Cars and Trucks Loan
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedJul 6, 2026
Details
Concho Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
1002 S Abe St, San Angelo, TX, 76903 7240
New Auto
4.50%
48 months
▼
APR4.50%
Term48 months
Last UpdatedJul 7, 2026
Details
As Low As; Maximum Loan: 100%
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
24909 Kuykendahl Rd, Tomball, TX, 77375 3295
USED Autos Up to 48 Months
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedJul 13, 2026
Details
As Low As; Rates range from 4.50% to 14.00%
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
2736 Nall St, Port Neches, TX, 77651 5204
New Auto Loans
4.50%
49-60 months
▼
APR4.50%
Term49-60 months
Last UpdatedJul 14, 2026
Details
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
2736 Nall St, Port Neches, TX, 77651 5204
Used Auto Loans
4.50%
49-60 months
▼
APR4.50%
Term49-60 months
Last UpdatedJul 14, 2026
Details
DuGood Federal Credit Union
Institution Rating:
F2.8 ★ Texas Ratio: 0.47%
7505 Eastex Fwy Ste B, Beaumont, TX, 77708
New & Used Auto Loan
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedJul 14, 2026
Details
Vehicle Age: 2022-2026
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
2801 N 6th St, Abilene, TX, 79603
Used Auto Loans - Cars and Light Trucks 2020
4.50%
1 - 60 months
▼
APR4.50%
Term1 - 60 months
Last UpdatedJul 15, 2026
Details
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
5211 E Parkway St, Groves, TX, 77619
New & Used Auto
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedJul 15, 2026
Details
As Low As
Port Arthur Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
3001 JIMMY JOHNSON BLVD, PORT ARTHUR, TX, 77642
New Car Loan
4.50%
up to 60 month
▼
APR4.50%
Termup to 60 month
Last UpdatedJul 15, 2026
Details
As Low As; financing available
Common Cents Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.31%
8109 Smith Rd, Beaumont, TX, 77705 6108
Auto Loan
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedJul 15, 2026
Details
As Low As
Starr County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
1322 E San Benito St, Rio Grande City, TX, 78582
Auto Purchases
4.50%
84 Months
▼
APR4.50%
Term84 Months
Last UpdatedJul 15, 2026
Details
APR as low as*
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
16320 Kensington Dr, Sugar Land, TX, 77479 4097
Used Automobile Loan
4.50%
37 - 48 Months
▼
APR4.50%
Term37 - 48 Months
Last UpdatedJul 15, 2026
Details
As Low As; Fixed Rate
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto(Max Term 72m)/Used Auto(Max Term 60m)
4.50%
36mm
▼
APR4.50%
Term36mm
Last UpdatedJul 15, 2026
Details
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
2900 Decker Dr, Baytown, TX, 77520 2076
New Autos
4.54%
48 Months
▼
APR4.54%
Term48 Months
Last UpdatedJul 11, 2026
Details
As Low As; Fewer than 7,500 miles
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
2900 Decker Dr, Baytown, TX, 77520 2076
Used Autos
4.54%
48 Months
▼
APR4.54%
Term48 Months
Last UpdatedJul 11, 2026
Details
As Low As; Fewer than 100,000 miles
One Source Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
8870 Gazelle Dr, El Paso, TX, 79925
New and Used Autos - Up to 48 Months
4.59%
Up to 48 Months
▼
APR4.59%
TermUp to 48 Months
Last UpdatedJul 6, 2026
Details
All loans quoted at 80% Loan to Value
Centex Citizens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
1404 E Milam St, Mexia, TX, 76667 2500
New Vehicles 22025 and Newer Loan
4.59%
Up to 36 months
▼
APR4.59%
TermUp to 36 months
Last UpdatedJul 7, 2026
Details
As Low As
Keystone Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.20%
11877 County Road 492, Tyler, TX, 75706
New Vehicle Loan
4.59%
Up to 60 Months
▼
APR4.59%
TermUp to 60 Months
Last UpdatedJul 7, 2026
Details
As Low As
GECU Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.28%
7227 Viscount Blvd, El Paso, TX, 79925
Auto Loan
4.59%
66 Months
▼
APR4.59%
Term66 Months
Last UpdatedJul 10, 2026
Details
As Low As; Now-September 8
The Peoples Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.36%
7200 Hillside Rd, Amarillo, TX, 79109 7460
New & Used Vehicles Loan
4.59%
5 yrs*
▼
APR4.59%
Term5 yrs*
Last UpdatedJul 15, 2026
Details
*Rate includes both discounts
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
American Airlines Credit Union, Fort Worth, TX, 76155
Used Auto
4.59%
Up to 60 months
▼
APR4.59%
TermUp to 60 months
Last UpdatedJul 15, 2026
Details
DuGood Federal Credit Union
Institution Rating:
F2.8 ★ Texas Ratio: 0.47%
7505 Eastex Fwy Ste B, Beaumont, TX, 77708
New & Used Auto Loan
4.60%
66 Months
▼
APR4.60%
Term66 Months
Last UpdatedJul 14, 2026
Details
Vehicle Age: 2023-2026
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
2801 N 6th St, Abilene, TX, 79603
Used Auto Loans - Cars and Light Trucks 2019
4.60%
1 - 54 months
▼
APR4.60%
Term1 - 54 months
Last UpdatedJul 15, 2026
Details
Centex Citizens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
1404 E Milam St, Mexia, TX, 76667 2500
New Vehicles 22025-2027 Loan
4.64%
Up to 75 months
▼
APR4.64%
TermUp to 75 months
Last UpdatedJul 7, 2026
Details
As Low As
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
2105 W Grande Blvd, Tyler, TX, 75703 0551
Used Vehicle Loan
4.64%
Up to 60 Months
▼
APR4.64%
TermUp to 60 Months
Last UpdatedJul 15, 2026
Details
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
2300 Texas Ave, Texas City, TX, 77590
New And Used Autos
4.69%
Up to 36 Months
▼
APR4.69%
TermUp to 36 Months
Last UpdatedJul 6, 2026
Details
Maximum APR: 15.44%
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
1 Justice Park Dr, Houston, TX, 77092
Auto Loan
4.69%
up to 96 Months
▼
APR4.69%
Termup to 96 Months
Last UpdatedJul 12, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
1 Justice Park Dr, Houston, TX, 77092
Vehicle Loans
4.69%
Up to 24 months
▼
APR4.69%
TermUp to 24 months
Last UpdatedJul 12, 2026
Details
Loan Amount: $2,500+
Cherokee County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.79%
145 FM 2972 W, RUSK, TX, 75785
Used Car Loan
4.70%
72 months
▼
APR4.70%
Term72 months
Last UpdatedJul 8, 2026
Details
Rates as low as 4.60%.
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
2801 N 6th St, Abilene, TX, 79603
Used Auto Loans - Cars and Light Trucks 2018
4.70%
1 - 48 months
▼
APR4.70%
Term1 - 48 months
Last UpdatedJul 15, 2026
Details
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.33%
4849 N Mesa St, El Paso, TX, 79912
Used Auto Loan
4.74%
36 months
▼
APR4.74%
Term36 months
Last UpdatedJul 6, 2026
Details
As Low As; Qualified buyers: Take 90 days to make your first payment.
Lubbock Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2802 York Ave Unit D, LUBBOCK, TX, 79407 2632
New Auto Loan
4.74%
60 mo.
▼
APR4.74%
Term60 mo.
Last UpdatedJul 6, 2026
Details
Rates effective 9/1/2025. All rates presented are APR (Annual Percentage Rate). Fixed rates. Rates shown are based on excellent credit history, underwriting criteria, and account qualification. Rates subject to change. New Vehicles: 2025-2026 model years.
Lubbock Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2802 York Ave Unit D, LUBBOCK, TX, 79407 2632
Used Auto Loan
4.74%
Up to 48 mo.
▼
APR4.74%
TermUp to 48 mo.
Last UpdatedJul 6, 2026
Details
Rates effective 9/1/2025. All rates presented are APR (Annual Percentage Rate). Fixed rates. Rates shown are based on excellent credit history, underwriting criteria, and account qualification. Rates subject to change. Used Vehicles: 2023-2024 model years.
Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.57%
4800 GROVER AVE, AUSTIN, TX, 78756
New and Used Vehicles Loan
4.74%
49 to 66 Months
▼
APR4.74%
Term49 to 66 Months
Last UpdatedJul 7, 2026
Details
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
13649 Montfort Dr, Dallas, TX, 75240 2521
Auto Loans Used
4.74%
72 months
▼
APR4.74%
Term72 months
Last UpdatedJul 7, 2026
Details
As Low As; Auto Loans Used
Keystone Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.20%
11877 County Road 492, Tyler, TX, 75706
New Vehicle Loan
4.74%
Up to 78 Months
▼
APR4.74%
TermUp to 78 Months
Last UpdatedJul 7, 2026
Details
As Low As
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX, 77073 5114
New Auto Loan Up to 36 Months
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedJul 11, 2026
Details
As Low As; Minimum Amount $2,000
TEXAS TECH
Institution Rating:
A5.0 ★ Texas Ratio: 3.51%
1802 Texas Tech Parkway, Lubbock, TX, 79409
New Auto Loan
4.74%
60 mo.
▼
APR4.74%
Term60 mo.
Last UpdatedJul 14, 2026
Details
Fixed rates. Rates shown are based on excellent credit history, underwriting criteria, and account qualification. New Vehicles: 2025-2026 model years.
TEXAS TECH
Institution Rating:
A5.0 ★ Texas Ratio: 3.51%
1802 Texas Tech Parkway, Lubbock, TX, 79409
Used Auto Loan
4.74%
Up to 48 mo.
▼
APR4.74%
TermUp to 48 mo.
Last UpdatedJul 14, 2026
Details
Fixed rates. Rates shown are based on excellent credit history, underwriting criteria, and account qualification. Used Vehicles: 2023-2024 model years.
Concho Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
1002 S Abe St, San Angelo, TX, 76903 7240
New Auto
4.75%
60 months
▼
APR4.75%
Term60 months
Last UpdatedJul 7, 2026
Details
As Low As; Maximum Loan: 100%
Eastman Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.27%
304 Central Avenue, Longview, TX, 75602
New Auto
4.75%
36 - 120 months
▼
APR4.75%
Term36 - 120 months
Last UpdatedJul 11, 2026
Details
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
24909 Kuykendahl Rd, Tomball, TX, 77375 3295
NEW Autos Up to 72 Months
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedJul 13, 2026
Details
As Low As; Rates range from 4.75% to 14.75%
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
24909 Kuykendahl Rd, Tomball, TX, 77375 3295
USED Autos Up to 60 Months
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedJul 13, 2026
Details
As Low As; Rates range from 4.75% to 14.75%
Healthcare Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
2601 Network Blvd, Frisco, TX, 75034
New Autos: 2025 - 2026, Demos < 10,000 Miles
4.75%
Up to 48 months
▼
APR4.75%
TermUp to 48 months
Last UpdatedJul 15, 2026
Details
Healthcare Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
2601 Network Blvd, Frisco, TX, 75034
Used Autos: 2017 - 2025
4.75%
Up to 48 months
▼
APR4.75%
TermUp to 48 months
Last UpdatedJul 15, 2026
Details
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
5211 E Parkway St, Groves, TX, 77619
New & Used Auto
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedJul 15, 2026
Details
As Low As
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
324 N MAIN AVE, DENVER CITY, TX, 79323 3242
Vehicle Loan
4.75%
4 - 5 Years (37-64M)
▼
APR4.75%
Term4 - 5 Years (37-64M)
Last UpdatedJul 15, 2026
Details
Equifax Score: 750+; Loan to Value Max.(MSRP/NADA Retail): 115%; Debt Ratio Maximum: 48%
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.62%
3505 Wildewood Dr, San Angelo, TX, 76904
New Automobiles & Light Trucks
4.75%
60 mos.
▼
APR4.75%
Term60 mos.
Last UpdatedJul 15, 2026
Details
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.62%
3505 Wildewood Dr, San Angelo, TX, 76904
Used Automobiles & Light Trucks
4.75%
60 mos.
▼
APR4.75%
Term60 mos.
Last UpdatedJul 15, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
1 Valero Way, San Antonio, TX, 78249 1616
New & Used Vehicles - 72 months Loan
4.75%
72 months
▼
APR4.75%
Term72 months
Last UpdatedJul 15, 2026
Details
As Low As
East Texas Professional Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
409 E Loop 281, Longview, TX, 75605 7916
New Vehicles 2027-2025 Models Loan
4.79%
Please call for information
▼
APR4.79%
TermPlease call for information
Last UpdatedJul 7, 2026
Details
base rate
Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
11920 Alterra Pkwy, Austin, TX, 78758
Auto Loan
4.79%
up to 66 months
▼
APR4.79%
Termup to 66 months
Last UpdatedJul 11, 2026
Details
As Low As
Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
11920 Alterra Pkwy, Austin, TX, 78758
Auto Loans
4.79%
up to 66 months
▼
APR4.79%
Termup to 66 months
Last UpdatedJul 11, 2026
Details
As Low As
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
2900 Decker Dr, Baytown, TX, 77520 2076
New Autos
4.79%
71 Months
▼
APR4.79%
Term71 Months
Last UpdatedJul 11, 2026
Details
As Low As; Fewer than 7,500 miles
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
2900 Decker Dr, Baytown, TX, 77520 2076
Used Autos
4.79%
71 Months
▼
APR4.79%
Term71 Months
Last UpdatedJul 11, 2026
Details
As Low As; Fewer than 100,000 miles
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 15.58%
1200 Belleview St, Dallas, TX, 75215 1837
New and Used Auto Loans
4.79%
36 months or less
▼
APR4.79%
Term36 months or less
Last UpdatedJul 11, 2026
Details
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of July 11, 2026. Rates are subject to change without notice.
Amplify Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
2800 Esperanza Xing Bldg 2, Austin, TX, 78758 3772
Auto Loan (New/Used)
4.80%
0 - 48 Months
▼
APR4.80%
Term0 - 48 Months
Last UpdatedJul 11, 2026
Details
As Low As
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
2801 N 6th St, Abilene, TX, 79603
Used Auto Loans - Cars and Light Trucks 2017
4.80%
1 - 42 months
▼
APR4.80%
Term1 - 42 months
Last UpdatedJul 15, 2026
Details
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
2300 Texas Ave, Texas City, TX, 77590
New And Used Autos
4.84%
49 - 60 Months
▼
APR4.84%
Term49 - 60 Months
Last UpdatedJul 6, 2026
Details
Maximum APR: 16.34%
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 15.58%
1200 Belleview St, Dallas, TX, 75215 1837
New and Used Auto Loans
4.84%
37 - 48 months
▼
APR4.84%
Term37 - 48 months
Last UpdatedJul 11, 2026
Details
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of July 11, 2026. Rates are subject to change without notice.
Members Choice of Central Texas Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
4631 W Waco Dr, Waco, TX, 76710
Vehicle Loan
4.84%
Up to 60 months
▼
APR4.84%
TermUp to 60 months
Last UpdatedJul 12, 2026
Details
As Low As
BELTON
Institution Rating:
A-5.0 ★ Texas Ratio: 1.55%
400 N Wall St, Belton, TX, 76513
New Vehicle 2025 and newer Loan
4.85%
48 months
▼
APR4.85%
Term48 months
Last UpdatedJul 14, 2026
Details
As Low As; rates are set according to credit rating
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 15.58%
1200 Belleview St, Dallas, TX, 75215 1837
New and Used Auto Loans
4.89%
49 - 60 months
▼
APR4.89%
Term49 - 60 months
Last UpdatedJul 11, 2026
Details
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of July 11, 2026. Rates are subject to change without notice.
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
1 Justice Park Dr, Houston, TX, 77092
Vehicle Loans
4.89%
36 months
▼
APR4.89%
Term36 months
Last UpdatedJul 12, 2026
Details
Loan Amount: $2,500+
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
2901 Sens Rd, La Porte, TX, 77571
New & Used Autos
4.89%
66 - 74 Months
▼
APR4.89%
Term66 - 74 Months
Last UpdatedJul 15, 2026
Details
APR = Annual Percentage Rate. All Rates & Terms are subject to change without notice.
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
2105 W Grande Blvd, Tyler, TX, 75703 0551
Used Vehicle Loan
4.89%
Up to 72 Months
▼
APR4.89%
TermUp to 72 Months
Last UpdatedJul 15, 2026
Details
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.33%
4849 N Mesa St, El Paso, TX, 79912
Used Auto Loan
4.90%
48 months
▼
APR4.90%
Term48 months
Last UpdatedJul 6, 2026
Details
As Low As; Qualified buyers: Take 90 days to make your first payment.
BELTON
Institution Rating:
A-5.0 ★ Texas Ratio: 1.55%
400 N Wall St, Belton, TX, 76513
New Vehicle 2025 and newer Loan
4.90%
60 months
▼
APR4.90%
Term60 months
Last UpdatedJul 14, 2026
Details
As Low As; rates are set according to credit rating
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
2801 N 6th St, Abilene, TX, 79603
Used Auto Loans - Cars and Light Trucks 2016
4.90%
1 - 36 months
▼
APR4.90%
Term1 - 36 months
Last UpdatedJul 15, 2026
Details
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto(Max Term 72m)/Used Auto(Max Term 60m)
4.90%
48m
▼
APR4.90%
Term48m
Last UpdatedJul 15, 2026
Details
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
2300 Texas Ave, Texas City, TX, 77590
New And Used Autos
4.94%
37 - 48 Months
▼
APR4.94%
Term37 - 48 Months
Last UpdatedJul 6, 2026
Details
Maximum APR: 15.69%
Keystone Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.20%
11877 County Road 492, Tyler, TX, 75706
Used Vehicle Loan
4.94%
Up to 60 Months
▼
APR4.94%
TermUp to 60 Months
Last UpdatedJul 7, 2026
Details
As Low As
Neiman Marcus Group Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
1618 Main St, Dallas, TX, 75201 4720
New Cars Loan
4.95%
Up to 60 Months
▼
APR4.95%
TermUp to 60 Months
Last UpdatedJul 15, 2026
Details
As Low As
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
New Vehicles, New Automobile (NA) A (720-799)
4.95%
37-60 Months
▼
APR4.95%
Term37-60 Months
Last UpdatedJul 15, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
New Vehicles, New Automobile (NA) A+ (800
4.95%
61-72 Months
▼
APR4.95%
Term61-72 Months
Last UpdatedJul 15, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
New Vehicles, New Automobile (NA) B (680-719)
4.95%
0-36 Months
▼
APR4.95%
Term0-36 Months
Last UpdatedJul 15, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
Pre-Owned (Used) Vehicles A (720-799) Loan
4.95%
37-60 Months
▼
APR4.95%
Term37-60 Months
Last UpdatedJul 15, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
Pre-Owned (Used) Vehicles A+ (800 Loan
4.95%
61-72 Months
▼
APR4.95%
Term61-72 Months
Last UpdatedJul 15, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
Pre-Owned (Used) Vehicles B (680-719) Loan
4.95%
0-36 Months
▼
APR4.95%
Term0-36 Months
Last UpdatedJul 15, 2026
Details
Domino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
9978 FM 3129, Queen City, TX, 75572
New and Used Autos
4.95%
Up to 72 Months
▼
APR4.95%
TermUp to 72 Months
Last UpdatedJul 15, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
16320 Kensington Dr, Sugar Land, TX, 77479 4097
Used Automobile Loan
4.95%
49 - 60 Months
▼
APR4.95%
Term49 - 60 Months
Last UpdatedJul 15, 2026
Details
As Low As; Fixed Rate
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
16320 Kensington Dr, Sugar Land, TX, 77479 4097
Vehicle Loans
4.95%
60 months
▼
APR4.95%
Term60 months
Last UpdatedJul 15, 2026
Details
As Low As; $250 cash back. Terms and Conditions Apply.
Lubbock Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2802 York Ave Unit D, LUBBOCK, TX, 79407 2632
New Auto Loan
4.99%
72 mo.
▼
APR4.99%
Term72 mo.
Last UpdatedJul 6, 2026
Details
Rates effective 9/1/2025. All rates presented are APR (Annual Percentage Rate). Fixed rates. Rates shown are based on excellent credit history, underwriting criteria, and account qualification. Rates subject to change. New Vehicles: 2025-2026 model years.
Lubbock Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2802 York Ave Unit D, LUBBOCK, TX, 79407 2632
Used Auto Loan
4.99%
60 mo.
▼
APR4.99%
Term60 mo.
Last UpdatedJul 6, 2026
Details
Rates effective 9/1/2025. All rates presented are APR (Annual Percentage Rate). Fixed rates. Rates shown are based on excellent credit history, underwriting criteria, and account qualification. Rates subject to change. Used Vehicles: 2023-2024 model years.
Texan Sky Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
515 S Bliss Ave, Dumas, TX, 79029
New and Used autos up to 9 years old
4.99%
Up to 72 months
▼
APR4.99%
TermUp to 72 months
Last UpdatedJul 6, 2026
Details
APR*
Access Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.08%
6401 Bell St, Amarillo, TX, 79109
Auto Loans - New Vehicles - 5 years and newer
4.99%
37 to 72 months
▼
APR4.99%
Term37 to 72 months
Last UpdatedJul 7, 2026
Details
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
306 E 10th St, Austin, TX, 78701
New and Used Autos - 2025 and Newer
4.99%
Up to 36 Months
▼
APR4.99%
TermUp to 36 Months
Last UpdatedJul 7, 2026
Details
As Low As; *
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
306 E 10th St, Austin, TX, 78701
New and Used Autos 2025 and Newer
4.99%
Up to 36 Months
▼
APR4.99%
TermUp to 36 Months
Last UpdatedJul 7, 2026
Details
As Low As; *
Linkage Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
4527 SPEIGHT AVE, WACO, TX, 76711
New Auto Loans
4.99%
72 months
▼
APR4.99%
Term72 months
Last UpdatedJul 7, 2026
Details
As Low As; Subject to credit approval.
City Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
7474 Ferguson Rd, Dallas, TX, 75228
New or Used Auto Loans
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedJul 7, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
3301 Airport Fwy Ste 175, Bedford, TX, 76021 6123
New & Used Autos
4.99%
72 Mos.
▼
APR4.99%
Term72 Mos.
Last UpdatedJul 10, 2026
Details
As Low As
Lubrizol Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.17%
205 Center St, Deer Park, TX, 77536 2735
New & Used Automobile
4.99%
61 Mo to 72 Mo
▼
APR4.99%
Term61 Mo to 72 Mo
Last UpdatedJul 10, 2026
Details
financing over $30K. Rates are variable and subject to change. See loan officer for details.
Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
11920 Alterra Pkwy, Austin, TX, 78758
Auto Loan
4.99%
up to 72 months
▼
APR4.99%
Termup to 72 months
Last UpdatedJul 11, 2026
Details
As Low As
Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
11920 Alterra Pkwy, Austin, TX, 78758
Auto Loans
4.99%
up to 72 months
▼
APR4.99%
Termup to 72 months
Last UpdatedJul 11, 2026
Details
As Low As
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedJul 11, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto Loan
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedJul 11, 2026
Details
United Heritage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.17%
12208 N Mopac Expy, Austin, TX, 78758
New/Used Auto Loan
4.99%
37 to 48 Months
▼
APR4.99%
Term37 to 48 Months
Last UpdatedJul 11, 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
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
New Vehicles, New Automobile (NA) A+ (800
2.95%
0-36 Months
▼
APR2.95%
Term0-36 Months
Last UpdatedJul 15, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
506 W Lamar St, Sherman, TX, 75090 5840
New vehicles Loan
2.99%
0-36 months
▼
APR2.99%
Term0-36 months
Last UpdatedJul 14, 2026
Details
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
18211 Katy Fwy, Houston, TX, 77094 1395
New and Pre-Owned Autos
3.24%
12-36 Months
▼
APR3.24%
Term12-36 Months
Last UpdatedJul 7, 2026
Details
As low as 3.24% APR*, plus free GAP! APR=Annual Percentage Rate. Terms and conditions apply. Click for full details.
Lubrizol Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.17%
205 Center St, Deer Park, TX, 77536 2735
New & Used Automobile
3.24%
24 Mo to 60 Mo
▼
APR3.24%
Term24 Mo to 60 Mo
Last UpdatedJul 10, 2026
Details
Rates are variable and subject to change. See loan officer for details.
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
American Airlines Credit Union, Fort Worth, TX, 76155
New Auto
3.34%
Up to 36 Months
▼
APR3.34%
TermUp to 36 Months
Last UpdatedJul 15, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
2901 Sens Rd, La Porte, TX, 77571
New & Used Autos
3.39%
Up to 36 Months
▼
APR3.39%
TermUp to 36 Months
Last UpdatedJul 15, 2026
Details
APR = Annual Percentage Rate. All Rates & Terms are subject to change without notice.
USE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.86%
400 S Akard St, Dallas, TX, 75202 5324
New & Used Autos
3.49%
2025 and newer up to 72 months; 2022 - 2024 up to 60 months; 2021 and older up t
▼
APR3.49%
Term2025 and newer up to 72 months; 2022 - 2024 up to 60 months; 2021 and older up t
Last UpdatedJul 6, 2026
Details
As Low As; *
InvesTex Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
905 Aldine Bender Rd, Houston, TX, 77032
New and Used Auto Loan
3.49%
Up to 36 Months
▼
APR3.49%
TermUp to 36 Months
Last UpdatedJul 14, 2026
Details
InvesTex Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
905 Aldine Bender Rd, Houston, TX, 77032
New and Used Auto Loan
3.69%
Up to 48 Months
▼
APR3.69%
TermUp to 48 Months
Last UpdatedJul 14, 2026
Details
Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
183 E Price Rd, Brownsville, TX, 78521
New Auto Loan
3.70%
up to 75 Months
▼
APR3.70%
Termup to 75 Months
Last UpdatedJul 12, 2026
Details
Victoria City County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
205 N Bridge St Ste 111, Victoria, TX, 77901
New & Used Auto Loans
3.72%
36 to 72 Months
▼
APR3.72%
Term36 to 72 Months
Last UpdatedJul 15, 2026
Details
APR Type: Fixed
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
2900 Decker Dr, Baytown, TX, 77520 2076
New Autos
3.74%
Up to 36 Months
▼
APR3.74%
TermUp to 36 Months
Last UpdatedJul 11, 2026
Details
As Low As; Fewer than 7,500 miles
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
2901 Sens Rd, La Porte, TX, 77571
New & Used Autos
3.89%
37-48 Months
▼
APR3.89%
Term37-48 Months
Last UpdatedJul 15, 2026
Details
APR = Annual Percentage Rate. All Rates & Terms are subject to change without notice.
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
12611 Fuqua St, Houston, TX, 77034
Used & New Auto Loans
3.94%
0-36 months
▼
APR3.94%
Term0-36 months
Last UpdatedJul 7, 2026
Details
As Low As; *
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
2801 N 6th St, Abilene, TX, 79603
New Auto Loans - Cars and Light Trucks
3.95%
1 - 84 months
▼
APR3.95%
Term1 - 84 months
Last UpdatedJul 15, 2026
Details
Model Year(s): 2026
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
New Vehicles, New Automobile (NA) A (720-799)
3.95%
0-36 Months
▼
APR3.95%
Term0-36 Months
Last UpdatedJul 15, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
New Vehicles, New Automobile (NA) A+ (800
3.95%
37-60 Months
▼
APR3.95%
Term37-60 Months
Last UpdatedJul 15, 2026
Details
Texasgulf Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
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 UpdatedJul 6, 2026
Details
As Low As; New or used vehicle up to 36 months.
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
13649 Montfort Dr, Dallas, TX, 75240 2521
New Auto Loans
3.99%
54 months or Less
▼
APR3.99%
Term54 months or Less
Last UpdatedJul 7, 2026
Details
As Low As; New Auto Loans
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedJul 11, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto Loan
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedJul 11, 2026
Details
United Heritage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.17%
12208 N Mopac Expy, Austin, TX, 78758
New/Used Auto Loan
3.99%
0 to 36 Months
▼
APR3.99%
Term0 to 36 Months
Last UpdatedJul 11, 2026
Details
As Low As
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
24909 Kuykendahl Rd, Tomball, TX, 77375 3295
NEW Autos Up to 36 Months
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedJul 13, 2026
Details
As Low As; Rates range from 3.99% to 13.00%
InvesTex Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
905 Aldine Bender Rd, Houston, TX, 77032
New and Used Auto Loan
3.99%
Up to 60 Months
▼
APR3.99%
TermUp to 60 Months
Last UpdatedJul 14, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
506 W Lamar St, Sherman, TX, 75090 5840
New vehicles Loan
3.99%
37-48 months
▼
APR3.99%
Term37-48 months
Last UpdatedJul 14, 2026
Details
Rockdale Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
1821 W Cameron Ave, Rockdale, TX, 76567
New Vehicles Loan
3.99%
Up to 84 Months
▼
APR3.99%
TermUp to 84 Months
Last UpdatedJul 15, 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
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2610 Network Blvd Ste 600, Frisco, TX, 75034 6009
New Cars and Trucks Loan
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedJul 6, 2026
Details
Concho Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
1002 S Abe St, San Angelo, TX, 76903 7240
New Auto
4.00%
36 months
▼
APR4.00%
Term36 months
Last UpdatedJul 7, 2026
Details
As Low As; Maximum Loan: 100%
Service 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
10001 Jack Finney Blvd, Greenville, TX, 75402
New Vehicle Loan
4.00%
up to 94 months
▼
APR4.00%
Termup to 94 months
Last UpdatedJul 7, 2026
Details
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
5211 E Parkway St, Groves, TX, 77619
New & Used Auto
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedJul 15, 2026
Details
As Low As
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.62%
3505 Wildewood Dr, San Angelo, TX, 76904
New Automobiles & Light Trucks
4.00%
36 mos.
▼
APR4.00%
Term36 mos.
Last UpdatedJul 15, 2026
Details
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
100 Dominion Park Dr, Houston, TX, 77090 6716
Auto Loans (New & Used)
4.05%
Up to 36 Months
▼
APR4.05%
TermUp to 36 Months
Last UpdatedJul 6, 2026
Details
As Low As; Model Years: 2019-2025
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
100 Dominion Park Dr, Houston, TX, 77090 6716
New & Used Auto Loans
4.05%
Up to 36 Months
▼
APR4.05%
TermUp to 36 Months
Last UpdatedJul 6, 2026
Details
As Low As; Model Years: 2019-2025
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
American Airlines Credit Union, Fort Worth, TX, 76155
New Auto
4.09%
Up to 60 months
▼
APR4.09%
TermUp to 60 months
Last UpdatedJul 15, 2026
Details
Mesquite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
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 UpdatedJul 7, 2026
Details
As Low As
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
12611 Fuqua St, Houston, TX, 77034
Used & New Auto Loans
4.14%
49-60 months
▼
APR4.14%
Term49-60 months
Last UpdatedJul 7, 2026
Details
As Low As; *
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
3301 Airport Fwy Ste 175, Bedford, TX, 76021 6123
New & Used Autos
4.24%
24 Mos.
▼
APR4.24%
Term24 Mos.
Last UpdatedJul 10, 2026
Details
As Low As
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
24909 Kuykendahl Rd, Tomball, TX, 77375 3295
NEW Autos Up to 48 Months
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedJul 13, 2026
Details
As Low As; Rates range from 4.25% to 13.49%
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
2736 Nall St, Port Neches, TX, 77651 5204
New Auto Loans
4.25%
0-24 months
▼
APR4.25%
Term0-24 months
Last UpdatedJul 14, 2026
Details
DuGood Federal Credit Union
Institution Rating:
F2.8 ★ Texas Ratio: 0.47%
7505 Eastex Fwy Ste B, Beaumont, TX, 77708
New & Used Auto Loan
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedJul 14, 2026
Details
Vehicle Age: Up to 2026
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
12611 Fuqua St, Houston, TX, 77034
Used & New Auto Loans
4.29%
61-72 months
▼
APR4.29%
Term61-72 months
Last UpdatedJul 7, 2026
Details
As Low As; *
InvesTex Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
905 Aldine Bender Rd, Houston, TX, 77032
New and Used Auto Loan
4.29%
Up to 72 Months
▼
APR4.29%
TermUp to 72 Months
Last UpdatedJul 14, 2026
Details
The Peoples Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.36%
7200 Hillside Rd, Amarillo, TX, 79109 7460
New & Used Vehicles Loan
4.29%
3 yrs*
▼
APR4.29%
Term3 yrs*
Last UpdatedJul 15, 2026
Details
As low as; Rate includes both discounts
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
1 Valero Way, San Antonio, TX, 78249 1616
New & Used Vehicles - 60 months Loan
4.35%
60 months
▼
APR4.35%
Term60 months
Last UpdatedJul 15, 2026
Details
As Low As
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
2901 Sens Rd, La Porte, TX, 77571
New & Used Autos
4.39%
49 - 65 Months
▼
APR4.39%
Term49 - 65 Months
Last UpdatedJul 15, 2026
Details
APR = Annual Percentage Rate. All Rates & Terms are subject to change without notice.
Southwest Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.85%
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 UpdatedJul 15, 2026
Details
As Low As; *
Americas Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
2154 FOREST LN, GARLAND, TX, 75042
New and Used Auto Loans
4.40%
60-Months
▼
APR4.40%
Term60-Months
Last UpdatedJul 7, 2026
Details
As Low As; See Auto Loan Rates
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.77%
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 UpdatedJul 15, 2026
Details
As Low As
Cherokee County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.79%
145 FM 2972 W, RUSK, TX, 75785
New Car Loan
4.45%
84 months
▼
APR4.45%
Term84 months
Last UpdatedJul 8, 2026
Details
Rates as low as 4.35%.
Lubbock Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2802 York Ave Unit D, LUBBOCK, TX, 79407 2632
New Auto Loan
4.49%
Up to 48 mo.
▼
APR4.49%
TermUp to 48 mo.
Last UpdatedJul 6, 2026
Details
Rates effective 9/1/2025. All rates presented are APR (Annual Percentage Rate). Fixed rates. Rates shown are based on excellent credit history, underwriting criteria, and account qualification. Rates subject to change. New Vehicles: 2025-2026 model years.
Access Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.08%
6401 Bell St, Amarillo, TX, 79109
Auto Loans - New Vehicles - 5 years and newer
4.49%
24 to 36 months
▼
APR4.49%
Term24 to 36 months
Last UpdatedJul 7, 2026
Details
Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.57%
4800 GROVER AVE, AUSTIN, TX, 78756
New and Used Vehicles Loan
4.49%
Up to 48 Months
▼
APR4.49%
TermUp to 48 Months
Last UpdatedJul 7, 2026
Details
City Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
7474 Ferguson Rd, Dallas, TX, 75228
New or Used Auto Loans
4.49%
24 months
▼
APR4.49%
Term24 months
Last UpdatedJul 7, 2026
Details
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
13649 Montfort Dr, Dallas, TX, 75240 2521
New Auto Loans
4.49%
72 months
▼
APR4.49%
Term72 months
Last UpdatedJul 7, 2026
Details
As Low As; New Auto Loans
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
3301 Airport Fwy Ste 175, Bedford, TX, 76021 6123
New & Used Autos
4.49%
48 Mos.
▼
APR4.49%
Term48 Mos.
Last UpdatedJul 10, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
3301 Airport Fwy Ste 175, Bedford, TX, 76021 6123
New and Used Auto Loans
4.49%
60 months
▼
APR4.49%
Term60 months
Last UpdatedJul 10, 2026
Details
As Low As; APR = Annual Percentage Rate
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto
4.49%
Up to 48 months
▼
APR4.49%
TermUp to 48 months
Last UpdatedJul 11, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto Loan
4.49%
Up to 48 months
▼
APR4.49%
TermUp to 48 months
Last UpdatedJul 11, 2026
Details
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
24909 Kuykendahl Rd, Tomball, TX, 77375 3295
NEW Autos Up to 60 Months
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedJul 13, 2026
Details
As Low As; Rates range from 4.49% to 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 UpdatedJul 13, 2026
Details
As Low As; Up to 125% of MSRP with approved credit.
TEXAS TECH
Institution Rating:
A5.0 ★ Texas Ratio: 3.51%
1802 Texas Tech Parkway, Lubbock, TX, 79409
New Auto Loan
4.49%
Up to 48 mo.
▼
APR4.49%
TermUp to 48 mo.
Last UpdatedJul 14, 2026
Details
Fixed rates. Rates shown are based on excellent credit history, underwriting criteria, and account qualification. New Vehicles: 2025-2026 model years.
Border Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
2211 N BEDELL AVE, Del Rio, TX, 78840
Summer Drive Auto Loan Promotion - New Vehicles
4.49%
up to 72 months
▼
APR4.49%
Termup to 72 months
Last UpdatedJul 15, 2026
Details
As Low As; Promotional rate tiered by credit grade. Credit Grade A+: 720 and above. Discount of 0.50% may apply for Direct Deposit and Automatic Loan Payments. Discount of 0.25% may apply if borrower utilizes two additional Border FCU services.
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2610 Network Blvd Ste 600, Frisco, TX, 75034 6009
New Cars and Trucks Loan
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedJul 6, 2026
Details
Concho Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
1002 S Abe St, San Angelo, TX, 76903 7240
New Auto
4.50%
48 months
▼
APR4.50%
Term48 months
Last UpdatedJul 7, 2026
Details
As Low As; Maximum Loan: 100%
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
2736 Nall St, Port Neches, TX, 77651 5204
New Auto Loans
4.50%
49-60 months
▼
APR4.50%
Term49-60 months
Last UpdatedJul 14, 2026
Details
DuGood Federal Credit Union
Institution Rating:
F2.8 ★ Texas Ratio: 0.47%
7505 Eastex Fwy Ste B, Beaumont, TX, 77708
New & Used Auto Loan
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedJul 14, 2026
Details
Vehicle Age: 2022-2026
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
5211 E Parkway St, Groves, TX, 77619
New & Used Auto
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedJul 15, 2026
Details
As Low As
Port Arthur Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
3001 JIMMY JOHNSON BLVD, PORT ARTHUR, TX, 77642
New Car Loan
4.50%
up to 60 month
▼
APR4.50%
Termup to 60 month
Last UpdatedJul 15, 2026
Details
As Low As; financing available
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto(Max Term 72m)/Used Auto(Max Term 60m)
4.50%
36mm
▼
APR4.50%
Term36mm
Last UpdatedJul 15, 2026
Details
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
2900 Decker Dr, Baytown, TX, 77520 2076
New Autos
4.54%
48 Months
▼
APR4.54%
Term48 Months
Last UpdatedJul 11, 2026
Details
As Low As; Fewer than 7,500 miles
One Source Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
8870 Gazelle Dr, El Paso, TX, 79925
New and Used Autos - Up to 48 Months
4.59%
Up to 48 Months
▼
APR4.59%
TermUp to 48 Months
Last UpdatedJul 6, 2026
Details
All loans quoted at 80% Loan to Value
Centex Citizens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
1404 E Milam St, Mexia, TX, 76667 2500
New Vehicles 22025 and Newer Loan
4.59%
Up to 36 months
▼
APR4.59%
TermUp to 36 months
Last UpdatedJul 7, 2026
Details
As Low As
Keystone Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.20%
11877 County Road 492, Tyler, TX, 75706
New Vehicle Loan
4.59%
Up to 60 Months
▼
APR4.59%
TermUp to 60 Months
Last UpdatedJul 7, 2026
Details
As Low As
The Peoples Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.36%
7200 Hillside Rd, Amarillo, TX, 79109 7460
New & Used Vehicles Loan
4.59%
5 yrs*
▼
APR4.59%
Term5 yrs*
Last UpdatedJul 15, 2026
Details
*Rate includes both discounts
DuGood Federal Credit Union
Institution Rating:
F2.8 ★ Texas Ratio: 0.47%
7505 Eastex Fwy Ste B, Beaumont, TX, 77708
New & Used Auto Loan
4.60%
66 Months
▼
APR4.60%
Term66 Months
Last UpdatedJul 14, 2026
Details
Vehicle Age: 2023-2026
Centex Citizens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
1404 E Milam St, Mexia, TX, 76667 2500
New Vehicles 22025-2027 Loan
4.64%
Up to 75 months
▼
APR4.64%
TermUp to 75 months
Last UpdatedJul 7, 2026
Details
As Low As
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
2300 Texas Ave, Texas City, TX, 77590
New And Used Autos
4.69%
Up to 36 Months
▼
APR4.69%
TermUp to 36 Months
Last UpdatedJul 6, 2026
Details
Maximum APR: 15.44%
Lubbock Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2802 York Ave Unit D, LUBBOCK, TX, 79407 2632
New Auto Loan
4.74%
60 mo.
▼
APR4.74%
Term60 mo.
Last UpdatedJul 6, 2026
Details
Rates effective 9/1/2025. All rates presented are APR (Annual Percentage Rate). Fixed rates. Rates shown are based on excellent credit history, underwriting criteria, and account qualification. Rates subject to change. New Vehicles: 2025-2026 model years.
Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.57%
4800 GROVER AVE, AUSTIN, TX, 78756
New and Used Vehicles Loan
4.74%
49 to 66 Months
▼
APR4.74%
Term49 to 66 Months
Last UpdatedJul 7, 2026
Details
Keystone Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.20%
11877 County Road 492, Tyler, TX, 75706
New Vehicle Loan
4.74%
Up to 78 Months
▼
APR4.74%
TermUp to 78 Months
Last UpdatedJul 7, 2026
Details
As Low As
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX, 77073 5114
New Auto Loan Up to 36 Months
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedJul 11, 2026
Details
As Low As; Minimum Amount $2,000
TEXAS TECH
Institution Rating:
A5.0 ★ Texas Ratio: 3.51%
1802 Texas Tech Parkway, Lubbock, TX, 79409
New Auto Loan
4.74%
60 mo.
▼
APR4.74%
Term60 mo.
Last UpdatedJul 14, 2026
Details
Fixed rates. Rates shown are based on excellent credit history, underwriting criteria, and account qualification. New Vehicles: 2025-2026 model years.
Concho Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
1002 S Abe St, San Angelo, TX, 76903 7240
New Auto
4.75%
60 months
▼
APR4.75%
Term60 months
Last UpdatedJul 7, 2026
Details
As Low As; Maximum Loan: 100%
Eastman Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.27%
304 Central Avenue, Longview, TX, 75602
New Auto
4.75%
36 - 120 months
▼
APR4.75%
Term36 - 120 months
Last UpdatedJul 11, 2026
Details
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
24909 Kuykendahl Rd, Tomball, TX, 77375 3295
NEW Autos Up to 72 Months
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedJul 13, 2026
Details
As Low As; Rates range from 4.75% to 14.75%
Healthcare Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
2601 Network Blvd, Frisco, TX, 75034
New Autos: 2025 - 2026, Demos < 10,000 Miles
4.75%
Up to 48 months
▼
APR4.75%
TermUp to 48 months
Last UpdatedJul 15, 2026
Details
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
5211 E Parkway St, Groves, TX, 77619
New & Used Auto
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedJul 15, 2026
Details
As Low As
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.62%
3505 Wildewood Dr, San Angelo, TX, 76904
New Automobiles & Light Trucks
4.75%
60 mos.
▼
APR4.75%
Term60 mos.
Last UpdatedJul 15, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
1 Valero Way, San Antonio, TX, 78249 1616
New & Used Vehicles - 72 months Loan
4.75%
72 months
▼
APR4.75%
Term72 months
Last UpdatedJul 15, 2026
Details
As Low As
East Texas Professional Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
409 E Loop 281, Longview, TX, 75605 7916
New Vehicles 2027-2025 Models Loan
4.79%
Please call for information
▼
APR4.79%
TermPlease call for information
Last UpdatedJul 7, 2026
Details
base rate
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
2900 Decker Dr, Baytown, TX, 77520 2076
New Autos
4.79%
71 Months
▼
APR4.79%
Term71 Months
Last UpdatedJul 11, 2026
Details
As Low As; Fewer than 7,500 miles
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 15.58%
1200 Belleview St, Dallas, TX, 75215 1837
New and Used Auto Loans
4.79%
36 months or less
▼
APR4.79%
Term36 months or less
Last UpdatedJul 11, 2026
Details
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of July 11, 2026. Rates are subject to change without notice.
Amplify Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
2800 Esperanza Xing Bldg 2, Austin, TX, 78758 3772
Auto Loan (New/Used)
4.80%
0 - 48 Months
▼
APR4.80%
Term0 - 48 Months
Last UpdatedJul 11, 2026
Details
As Low As
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
2300 Texas Ave, Texas City, TX, 77590
New And Used Autos
4.84%
49 - 60 Months
▼
APR4.84%
Term49 - 60 Months
Last UpdatedJul 6, 2026
Details
Maximum APR: 16.34%
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 15.58%
1200 Belleview St, Dallas, TX, 75215 1837
New and Used Auto Loans
4.84%
37 - 48 months
▼
APR4.84%
Term37 - 48 months
Last UpdatedJul 11, 2026
Details
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of July 11, 2026. Rates are subject to change without notice.
BELTON
Institution Rating:
A-5.0 ★ Texas Ratio: 1.55%
400 N Wall St, Belton, TX, 76513
New Vehicle 2025 and newer Loan
4.85%
48 months
▼
APR4.85%
Term48 months
Last UpdatedJul 14, 2026
Details
As Low As; rates are set according to credit rating
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 15.58%
1200 Belleview St, Dallas, TX, 75215 1837
New and Used Auto Loans
4.89%
49 - 60 months
▼
APR4.89%
Term49 - 60 months
Last UpdatedJul 11, 2026
Details
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of July 11, 2026. Rates are subject to change without notice.
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
2901 Sens Rd, La Porte, TX, 77571
New & Used Autos
4.89%
66 - 74 Months
▼
APR4.89%
Term66 - 74 Months
Last UpdatedJul 15, 2026
Details
APR = Annual Percentage Rate. All Rates & Terms are subject to change without notice.
BELTON
Institution Rating:
A-5.0 ★ Texas Ratio: 1.55%
400 N Wall St, Belton, TX, 76513
New Vehicle 2025 and newer Loan
4.90%
60 months
▼
APR4.90%
Term60 months
Last UpdatedJul 14, 2026
Details
As Low As; rates are set according to credit rating
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto(Max Term 72m)/Used Auto(Max Term 60m)
4.90%
48m
▼
APR4.90%
Term48m
Last UpdatedJul 15, 2026
Details
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
2300 Texas Ave, Texas City, TX, 77590
New And Used Autos
4.94%
37 - 48 Months
▼
APR4.94%
Term37 - 48 Months
Last UpdatedJul 6, 2026
Details
Maximum APR: 15.69%
Neiman Marcus Group Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
1618 Main St, Dallas, TX, 75201 4720
New Cars Loan
4.95%
Up to 60 Months
▼
APR4.95%
TermUp to 60 Months
Last UpdatedJul 15, 2026
Details
As Low As
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
New Vehicles, New Automobile (NA) A (720-799)
4.95%
37-60 Months
▼
APR4.95%
Term37-60 Months
Last UpdatedJul 15, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
New Vehicles, New Automobile (NA) A+ (800
4.95%
61-72 Months
▼
APR4.95%
Term61-72 Months
Last UpdatedJul 15, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
New Vehicles, New Automobile (NA) B (680-719)
4.95%
0-36 Months
▼
APR4.95%
Term0-36 Months
Last UpdatedJul 15, 2026
Details
Domino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
9978 FM 3129, Queen City, TX, 75572
New and Used Autos
4.95%
Up to 72 Months
▼
APR4.95%
TermUp to 72 Months
Last UpdatedJul 15, 2026
Details
Lubbock Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2802 York Ave Unit D, LUBBOCK, TX, 79407 2632
New Auto Loan
4.99%
72 mo.
▼
APR4.99%
Term72 mo.
Last UpdatedJul 6, 2026
Details
Rates effective 9/1/2025. All rates presented are APR (Annual Percentage Rate). Fixed rates. Rates shown are based on excellent credit history, underwriting criteria, and account qualification. Rates subject to change. New Vehicles: 2025-2026 model years.
Texan Sky Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
515 S Bliss Ave, Dumas, TX, 79029
New and Used autos up to 9 years old
4.99%
Up to 72 months
▼
APR4.99%
TermUp to 72 months
Last UpdatedJul 6, 2026
Details
APR*
Access Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.08%
6401 Bell St, Amarillo, TX, 79109
Auto Loans - New Vehicles - 5 years and newer
4.99%
37 to 72 months
▼
APR4.99%
Term37 to 72 months
Last UpdatedJul 7, 2026
Details
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
306 E 10th St, Austin, TX, 78701
New and Used Autos - 2025 and Newer
4.99%
Up to 36 Months
▼
APR4.99%
TermUp to 36 Months
Last UpdatedJul 7, 2026
Details
As Low As; *
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
306 E 10th St, Austin, TX, 78701
New and Used Autos 2025 and Newer
4.99%
Up to 36 Months
▼
APR4.99%
TermUp to 36 Months
Last UpdatedJul 7, 2026
Details
As Low As; *
Linkage Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
4527 SPEIGHT AVE, WACO, TX, 76711
New Auto Loans
4.99%
72 months
▼
APR4.99%
Term72 months
Last UpdatedJul 7, 2026
Details
As Low As; Subject to credit approval.
City Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
7474 Ferguson Rd, Dallas, TX, 75228
New or Used Auto Loans
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedJul 7, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
3301 Airport Fwy Ste 175, Bedford, TX, 76021 6123
New & Used Autos
4.99%
72 Mos.
▼
APR4.99%
Term72 Mos.
Last UpdatedJul 10, 2026
Details
As Low As
Lubrizol Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.17%
205 Center St, Deer Park, TX, 77536 2735
New & Used Automobile
4.99%
61 Mo to 72 Mo
▼
APR4.99%
Term61 Mo to 72 Mo
Last UpdatedJul 10, 2026
Details
financing over $30K. Rates are variable and subject to change. See loan officer for details.
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedJul 11, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto Loan
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedJul 11, 2026
Details
United Heritage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.17%
12208 N Mopac Expy, Austin, TX, 78758
New/Used Auto Loan
4.99%
37 to 48 Months
▼
APR4.99%
Term37 to 48 Months
Last UpdatedJul 11, 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: 1.92%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
Pre-Owned (Used) Vehicles A+ (800 Loan
2.95%
0-36 Months
▼
APR2.95%
Term0-36 Months
Last UpdatedJul 15, 2026
Details
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
18211 Katy Fwy, Houston, TX, 77094 1395
New and Pre-Owned Autos
3.24%
12-36 Months
▼
APR3.24%
Term12-36 Months
Last UpdatedJul 7, 2026
Details
As low as 3.24% APR*, plus free GAP! APR=Annual Percentage Rate. Terms and conditions apply. Click for full details.
Lubrizol Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.17%
205 Center St, Deer Park, TX, 77536 2735
New & Used Automobile
3.24%
24 Mo to 60 Mo
▼
APR3.24%
Term24 Mo to 60 Mo
Last UpdatedJul 10, 2026
Details
Rates are variable and subject to change. See loan officer for details.
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
2901 Sens Rd, La Porte, TX, 77571
New & Used Autos
3.39%
Up to 36 Months
▼
APR3.39%
TermUp to 36 Months
Last UpdatedJul 15, 2026
Details
APR = Annual Percentage Rate. All Rates & Terms are subject to change without notice.
USE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.86%
400 S Akard St, Dallas, TX, 75202 5324
New & Used Autos
3.49%
2025 and newer up to 72 months; 2022 - 2024 up to 60 months; 2021 and older up t
▼
APR3.49%
Term2025 and newer up to 72 months; 2022 - 2024 up to 60 months; 2021 and older up t
Last UpdatedJul 6, 2026
Details
As Low As; *
InvesTex Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
905 Aldine Bender Rd, Houston, TX, 77032
New and Used Auto Loan
3.49%
Up to 36 Months
▼
APR3.49%
TermUp to 36 Months
Last UpdatedJul 14, 2026
Details
InvesTex Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
905 Aldine Bender Rd, Houston, TX, 77032
New and Used Auto Loan
3.69%
Up to 48 Months
▼
APR3.69%
TermUp to 48 Months
Last UpdatedJul 14, 2026
Details
Victoria City County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
205 N Bridge St Ste 111, Victoria, TX, 77901
New & Used Auto Loans
3.72%
36 to 72 Months
▼
APR3.72%
Term36 to 72 Months
Last UpdatedJul 15, 2026
Details
APR Type: Fixed
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
2900 Decker Dr, Baytown, TX, 77520 2076
Used Autos
3.74%
Up to 36 Months
▼
APR3.74%
TermUp to 36 Months
Last UpdatedJul 11, 2026
Details
As Low As; Fewer than 100,000 miles
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
American Airlines Credit Union, Fort Worth, TX, 76155
Used Auto
3.84%
Up to 36 Months
▼
APR3.84%
TermUp to 36 Months
Last UpdatedJul 15, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
2901 Sens Rd, La Porte, TX, 77571
New & Used Autos
3.89%
37-48 Months
▼
APR3.89%
Term37-48 Months
Last UpdatedJul 15, 2026
Details
APR = Annual Percentage Rate. All Rates & Terms are subject to change without notice.
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
12611 Fuqua St, Houston, TX, 77034
Used & New Auto Loans
3.94%
0-36 months
▼
APR3.94%
Term0-36 months
Last UpdatedJul 7, 2026
Details
As Low As; *
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
2801 N 6th St, Abilene, TX, 79603
Used Auto Loans - Cars and Light Trucks 2024
3.95%
1 - 84 months
▼
APR3.95%
Term1 - 84 months
Last UpdatedJul 15, 2026
Details
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
2801 N 6th St, Abilene, TX, 79603
Used Auto Loans - Cars and Light Trucks 2025
3.95%
1 - 84 months
▼
APR3.95%
Term1 - 84 months
Last UpdatedJul 15, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
Pre-Owned (Used) Vehicles A (720-799) Loan
3.95%
0-36 Months
▼
APR3.95%
Term0-36 Months
Last UpdatedJul 15, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
Pre-Owned (Used) Vehicles A+ (800 Loan
3.95%
37-60 Months
▼
APR3.95%
Term37-60 Months
Last UpdatedJul 15, 2026
Details
Texasgulf Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
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 UpdatedJul 6, 2026
Details
As Low As; New or used vehicle up to 36 months.
United Heritage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.17%
12208 N Mopac Expy, Austin, TX, 78758
New/Used Auto Loan
3.99%
0 to 36 Months
▼
APR3.99%
Term0 to 36 Months
Last UpdatedJul 11, 2026
Details
As Low As
InvesTex Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
905 Aldine Bender Rd, Houston, TX, 77032
New and Used Auto Loan
3.99%
Up to 60 Months
▼
APR3.99%
TermUp to 60 Months
Last UpdatedJul 14, 2026
Details
Concho Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
1002 S Abe St, San Angelo, TX, 76903 7240
Used Autos
4.00%
24 to 60 months
▼
APR4.00%
Term24 to 60 months
Last UpdatedJul 7, 2026
Details
As Low As; Maximum Loan: NADA RETAIL VALUE
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
5211 E Parkway St, Groves, TX, 77619
New & Used Auto
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedJul 15, 2026
Details
As Low As
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.62%
3505 Wildewood Dr, San Angelo, TX, 76904
Used Automobiles & Light Trucks
4.00%
36 mos.
▼
APR4.00%
Term36 mos.
Last UpdatedJul 15, 2026
Details
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
100 Dominion Park Dr, Houston, TX, 77090 6716
Auto Loans (New & Used)
4.05%
Up to 36 Months
▼
APR4.05%
TermUp to 36 Months
Last UpdatedJul 6, 2026
Details
As Low As; Model Years: 2019-2025
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
100 Dominion Park Dr, Houston, TX, 77090 6716
New & Used Auto Loans
4.05%
Up to 36 Months
▼
APR4.05%
TermUp to 36 Months
Last UpdatedJul 6, 2026
Details
As Low As; Model Years: 2019-2025
Mesquite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
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 UpdatedJul 7, 2026
Details
As Low As
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
12611 Fuqua St, Houston, TX, 77034
Used & New Auto Loans
4.14%
49-60 months
▼
APR4.14%
Term49-60 months
Last UpdatedJul 7, 2026
Details
As Low As; *
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
2801 N 6th St, Abilene, TX, 79603
Used Auto Loans - Cars and Light Trucks 2023
4.20%
1 - 78 months
▼
APR4.20%
Term1 - 78 months
Last UpdatedJul 15, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
3301 Airport Fwy Ste 175, Bedford, TX, 76021 6123
New & Used Autos
4.24%
24 Mos.
▼
APR4.24%
Term24 Mos.
Last UpdatedJul 10, 2026
Details
As Low As
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
24909 Kuykendahl Rd, Tomball, TX, 77375 3295
USED Autos Up to 36 Months
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedJul 13, 2026
Details
As Low As; Rates range from 4.25% to 13.75%
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
2736 Nall St, Port Neches, TX, 77651 5204
Used Auto Loans
4.25%
0-24 months
▼
APR4.25%
Term0-24 months
Last UpdatedJul 14, 2026
Details
DuGood Federal Credit Union
Institution Rating:
F2.8 ★ Texas Ratio: 0.47%
7505 Eastex Fwy Ste B, Beaumont, TX, 77708
New & Used Auto Loan
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedJul 14, 2026
Details
Vehicle Age: Up to 2026
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
16320 Kensington Dr, Sugar Land, TX, 77479 4097
Used Automobile Loan
4.25%
Up to 36 Months
▼
APR4.25%
TermUp to 36 Months
Last UpdatedJul 15, 2026
Details
As Low As; Fixed Rate
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
12611 Fuqua St, Houston, TX, 77034
Used & New Auto Loans
4.29%
61-72 months
▼
APR4.29%
Term61-72 months
Last UpdatedJul 7, 2026
Details
As Low As; *
InvesTex Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
905 Aldine Bender Rd, Houston, TX, 77032
New and Used Auto Loan
4.29%
Up to 72 Months
▼
APR4.29%
TermUp to 72 Months
Last UpdatedJul 14, 2026
Details
The Peoples Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.36%
7200 Hillside Rd, Amarillo, TX, 79109 7460
New & Used Vehicles Loan
4.29%
3 yrs*
▼
APR4.29%
Term3 yrs*
Last UpdatedJul 15, 2026
Details
As low as; Rate includes both discounts
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
2801 N 6th St, Abilene, TX, 79603
Used Auto Loans - Cars and Light Trucks 2022
4.30%
1 - 72 months
▼
APR4.30%
Term1 - 72 months
Last UpdatedJul 15, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
1 Valero Way, San Antonio, TX, 78249 1616
New & Used Vehicles - 60 months Loan
4.35%
60 months
▼
APR4.35%
Term60 months
Last UpdatedJul 15, 2026
Details
As Low As
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
2901 Sens Rd, La Porte, TX, 77571
New & Used Autos
4.39%
49 - 65 Months
▼
APR4.39%
Term49 - 65 Months
Last UpdatedJul 15, 2026
Details
APR = Annual Percentage Rate. All Rates & Terms are subject to change without notice.
Southwest Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.85%
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 UpdatedJul 15, 2026
Details
As Low As; *
Americas Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
2154 FOREST LN, GARLAND, TX, 75042
New and Used Auto Loans
4.40%
60-Months
▼
APR4.40%
Term60-Months
Last UpdatedJul 7, 2026
Details
As Low As; See Auto Loan Rates
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
2801 N 6th St, Abilene, TX, 79603
Used Auto Loans - Cars and Light Trucks 2021
4.40%
1 - 66 months
▼
APR4.40%
Term1 - 66 months
Last UpdatedJul 15, 2026
Details
Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.57%
4800 GROVER AVE, AUSTIN, TX, 78756
New and Used Vehicles Loan
4.49%
Up to 48 Months
▼
APR4.49%
TermUp to 48 Months
Last UpdatedJul 7, 2026
Details
City Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
7474 Ferguson Rd, Dallas, TX, 75228
New or Used Auto Loans
4.49%
24 months
▼
APR4.49%
Term24 months
Last UpdatedJul 7, 2026
Details
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
13649 Montfort Dr, Dallas, TX, 75240 2521
Auto Loans Used
4.49%
54 months or Less
▼
APR4.49%
Term54 months or Less
Last UpdatedJul 7, 2026
Details
As Low As; Auto Loans Used
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
3301 Airport Fwy Ste 175, Bedford, TX, 76021 6123
New & Used Autos
4.49%
48 Mos.
▼
APR4.49%
Term48 Mos.
Last UpdatedJul 10, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
3301 Airport Fwy Ste 175, Bedford, TX, 76021 6123
New and Used Auto Loans
4.49%
60 months
▼
APR4.49%
Term60 months
Last UpdatedJul 10, 2026
Details
As Low As; APR = Annual Percentage Rate
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
2105 W Grande Blvd, Tyler, TX, 75703 0551
Used Vehicle Loan
4.49%
Up to 48 Months
▼
APR4.49%
TermUp to 48 Months
Last UpdatedJul 15, 2026
Details
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2610 Network Blvd Ste 600, Frisco, TX, 75034 6009
Used Cars and Trucks Loan
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedJul 6, 2026
Details
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
24909 Kuykendahl Rd, Tomball, TX, 77375 3295
USED Autos Up to 48 Months
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedJul 13, 2026
Details
As Low As; Rates range from 4.50% to 14.00%
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
2736 Nall St, Port Neches, TX, 77651 5204
Used Auto Loans
4.50%
49-60 months
▼
APR4.50%
Term49-60 months
Last UpdatedJul 14, 2026
Details
DuGood Federal Credit Union
Institution Rating:
F2.8 ★ Texas Ratio: 0.47%
7505 Eastex Fwy Ste B, Beaumont, TX, 77708
New & Used Auto Loan
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedJul 14, 2026
Details
Vehicle Age: 2022-2026
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
2801 N 6th St, Abilene, TX, 79603
Used Auto Loans - Cars and Light Trucks 2020
4.50%
1 - 60 months
▼
APR4.50%
Term1 - 60 months
Last UpdatedJul 15, 2026
Details
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
5211 E Parkway St, Groves, TX, 77619
New & Used Auto
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedJul 15, 2026
Details
As Low As
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
16320 Kensington Dr, Sugar Land, TX, 77479 4097
Used Automobile Loan
4.50%
37 - 48 Months
▼
APR4.50%
Term37 - 48 Months
Last UpdatedJul 15, 2026
Details
As Low As; Fixed Rate
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto(Max Term 72m)/Used Auto(Max Term 60m)
4.50%
36mm
▼
APR4.50%
Term36mm
Last UpdatedJul 15, 2026
Details
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
2900 Decker Dr, Baytown, TX, 77520 2076
Used Autos
4.54%
48 Months
▼
APR4.54%
Term48 Months
Last UpdatedJul 11, 2026
Details
As Low As; Fewer than 100,000 miles
One Source Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
8870 Gazelle Dr, El Paso, TX, 79925
New and Used Autos - Up to 48 Months
4.59%
Up to 48 Months
▼
APR4.59%
TermUp to 48 Months
Last UpdatedJul 6, 2026
Details
All loans quoted at 80% Loan to Value
The Peoples Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.36%
7200 Hillside Rd, Amarillo, TX, 79109 7460
New & Used Vehicles Loan
4.59%
5 yrs*
▼
APR4.59%
Term5 yrs*
Last UpdatedJul 15, 2026
Details
*Rate includes both discounts
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
American Airlines Credit Union, Fort Worth, TX, 76155
Used Auto
4.59%
Up to 60 months
▼
APR4.59%
TermUp to 60 months
Last UpdatedJul 15, 2026
Details
DuGood Federal Credit Union
Institution Rating:
F2.8 ★ Texas Ratio: 0.47%
7505 Eastex Fwy Ste B, Beaumont, TX, 77708
New & Used Auto Loan
4.60%
66 Months
▼
APR4.60%
Term66 Months
Last UpdatedJul 14, 2026
Details
Vehicle Age: 2023-2026
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
2801 N 6th St, Abilene, TX, 79603
Used Auto Loans - Cars and Light Trucks 2019
4.60%
1 - 54 months
▼
APR4.60%
Term1 - 54 months
Last UpdatedJul 15, 2026
Details
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
2105 W Grande Blvd, Tyler, TX, 75703 0551
Used Vehicle Loan
4.64%
Up to 60 Months
▼
APR4.64%
TermUp to 60 Months
Last UpdatedJul 15, 2026
Details
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
2300 Texas Ave, Texas City, TX, 77590
New And Used Autos
4.69%
Up to 36 Months
▼
APR4.69%
TermUp to 36 Months
Last UpdatedJul 6, 2026
Details
Maximum APR: 15.44%
Cherokee County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.79%
145 FM 2972 W, RUSK, TX, 75785
Used Car Loan
4.70%
72 months
▼
APR4.70%
Term72 months
Last UpdatedJul 8, 2026
Details
Rates as low as 4.60%.
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
2801 N 6th St, Abilene, TX, 79603
Used Auto Loans - Cars and Light Trucks 2018
4.70%
1 - 48 months
▼
APR4.70%
Term1 - 48 months
Last UpdatedJul 15, 2026
Details
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.33%
4849 N Mesa St, El Paso, TX, 79912
Used Auto Loan
4.74%
36 months
▼
APR4.74%
Term36 months
Last UpdatedJul 6, 2026
Details
As Low As; Qualified buyers: Take 90 days to make your first payment.
Lubbock Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2802 York Ave Unit D, LUBBOCK, TX, 79407 2632
Used Auto Loan
4.74%
Up to 48 mo.
▼
APR4.74%
TermUp to 48 mo.
Last UpdatedJul 6, 2026
Details
Rates effective 9/1/2025. All rates presented are APR (Annual Percentage Rate). Fixed rates. Rates shown are based on excellent credit history, underwriting criteria, and account qualification. Rates subject to change. Used Vehicles: 2023-2024 model years.
Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.57%
4800 GROVER AVE, AUSTIN, TX, 78756
New and Used Vehicles Loan
4.74%
49 to 66 Months
▼
APR4.74%
Term49 to 66 Months
Last UpdatedJul 7, 2026
Details
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
13649 Montfort Dr, Dallas, TX, 75240 2521
Auto Loans Used
4.74%
72 months
▼
APR4.74%
Term72 months
Last UpdatedJul 7, 2026
Details
As Low As; Auto Loans Used
TEXAS TECH
Institution Rating:
A5.0 ★ Texas Ratio: 3.51%
1802 Texas Tech Parkway, Lubbock, TX, 79409
Used Auto Loan
4.74%
Up to 48 mo.
▼
APR4.74%
TermUp to 48 mo.
Last UpdatedJul 14, 2026
Details
Fixed rates. Rates shown are based on excellent credit history, underwriting criteria, and account qualification. Used Vehicles: 2023-2024 model years.
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
24909 Kuykendahl Rd, Tomball, TX, 77375 3295
USED Autos Up to 60 Months
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedJul 13, 2026
Details
As Low As; Rates range from 4.75% to 14.75%
Healthcare Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
2601 Network Blvd, Frisco, TX, 75034
Used Autos: 2017 - 2025
4.75%
Up to 48 months
▼
APR4.75%
TermUp to 48 months
Last UpdatedJul 15, 2026
Details
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
5211 E Parkway St, Groves, TX, 77619
New & Used Auto
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedJul 15, 2026
Details
As Low As
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.62%
3505 Wildewood Dr, San Angelo, TX, 76904
Used Automobiles & Light Trucks
4.75%
60 mos.
▼
APR4.75%
Term60 mos.
Last UpdatedJul 15, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
1 Valero Way, San Antonio, TX, 78249 1616
New & Used Vehicles - 72 months Loan
4.75%
72 months
▼
APR4.75%
Term72 months
Last UpdatedJul 15, 2026
Details
As Low As
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
2900 Decker Dr, Baytown, TX, 77520 2076
Used Autos
4.79%
71 Months
▼
APR4.79%
Term71 Months
Last UpdatedJul 11, 2026
Details
As Low As; Fewer than 100,000 miles
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 15.58%
1200 Belleview St, Dallas, TX, 75215 1837
New and Used Auto Loans
4.79%
36 months or less
▼
APR4.79%
Term36 months or less
Last UpdatedJul 11, 2026
Details
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of July 11, 2026. Rates are subject to change without notice.
Amplify Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
2800 Esperanza Xing Bldg 2, Austin, TX, 78758 3772
Auto Loan (New/Used)
4.80%
0 - 48 Months
▼
APR4.80%
Term0 - 48 Months
Last UpdatedJul 11, 2026
Details
As Low As
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
2801 N 6th St, Abilene, TX, 79603
Used Auto Loans - Cars and Light Trucks 2017
4.80%
1 - 42 months
▼
APR4.80%
Term1 - 42 months
Last UpdatedJul 15, 2026
Details
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
2300 Texas Ave, Texas City, TX, 77590
New And Used Autos
4.84%
49 - 60 Months
▼
APR4.84%
Term49 - 60 Months
Last UpdatedJul 6, 2026
Details
Maximum APR: 16.34%
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 15.58%
1200 Belleview St, Dallas, TX, 75215 1837
New and Used Auto Loans
4.84%
37 - 48 months
▼
APR4.84%
Term37 - 48 months
Last UpdatedJul 11, 2026
Details
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of July 11, 2026. Rates are subject to change without notice.
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 15.58%
1200 Belleview St, Dallas, TX, 75215 1837
New and Used Auto Loans
4.89%
49 - 60 months
▼
APR4.89%
Term49 - 60 months
Last UpdatedJul 11, 2026
Details
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of July 11, 2026. Rates are subject to change without notice.
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
2901 Sens Rd, La Porte, TX, 77571
New & Used Autos
4.89%
66 - 74 Months
▼
APR4.89%
Term66 - 74 Months
Last UpdatedJul 15, 2026
Details
APR = Annual Percentage Rate. All Rates & Terms are subject to change without notice.
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
2105 W Grande Blvd, Tyler, TX, 75703 0551
Used Vehicle Loan
4.89%
Up to 72 Months
▼
APR4.89%
TermUp to 72 Months
Last UpdatedJul 15, 2026
Details
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.33%
4849 N Mesa St, El Paso, TX, 79912
Used Auto Loan
4.90%
48 months
▼
APR4.90%
Term48 months
Last UpdatedJul 6, 2026
Details
As Low As; Qualified buyers: Take 90 days to make your first payment.
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
2801 N 6th St, Abilene, TX, 79603
Used Auto Loans - Cars and Light Trucks 2016
4.90%
1 - 36 months
▼
APR4.90%
Term1 - 36 months
Last UpdatedJul 15, 2026
Details
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto(Max Term 72m)/Used Auto(Max Term 60m)
4.90%
48m
▼
APR4.90%
Term48m
Last UpdatedJul 15, 2026
Details
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
2300 Texas Ave, Texas City, TX, 77590
New And Used Autos
4.94%
37 - 48 Months
▼
APR4.94%
Term37 - 48 Months
Last UpdatedJul 6, 2026
Details
Maximum APR: 15.69%
Keystone Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.20%
11877 County Road 492, Tyler, TX, 75706
Used Vehicle Loan
4.94%
Up to 60 Months
▼
APR4.94%
TermUp to 60 Months
Last UpdatedJul 7, 2026
Details
As Low As
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
Pre-Owned (Used) Vehicles A (720-799) Loan
4.95%
37-60 Months
▼
APR4.95%
Term37-60 Months
Last UpdatedJul 15, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
Pre-Owned (Used) Vehicles A+ (800 Loan
4.95%
61-72 Months
▼
APR4.95%
Term61-72 Months
Last UpdatedJul 15, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
Pre-Owned (Used) Vehicles B (680-719) Loan
4.95%
0-36 Months
▼
APR4.95%
Term0-36 Months
Last UpdatedJul 15, 2026
Details
Domino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
9978 FM 3129, Queen City, TX, 75572
New and Used Autos
4.95%
Up to 72 Months
▼
APR4.95%
TermUp to 72 Months
Last UpdatedJul 15, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
16320 Kensington Dr, Sugar Land, TX, 77479 4097
Used Automobile Loan
4.95%
49 - 60 Months
▼
APR4.95%
Term49 - 60 Months
Last UpdatedJul 15, 2026
Details
As Low As; Fixed Rate
Lubbock Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2802 York Ave Unit D, LUBBOCK, TX, 79407 2632
Used Auto Loan
4.99%
60 mo.
▼
APR4.99%
Term60 mo.
Last UpdatedJul 6, 2026
Details
Rates effective 9/1/2025. All rates presented are APR (Annual Percentage Rate). Fixed rates. Rates shown are based on excellent credit history, underwriting criteria, and account qualification. Rates subject to change. Used Vehicles: 2023-2024 model years.
Texan Sky Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
515 S Bliss Ave, Dumas, TX, 79029
New and Used autos up to 9 years old
4.99%
Up to 72 months
▼
APR4.99%
TermUp to 72 months
Last UpdatedJul 6, 2026
Details
APR*
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
306 E 10th St, Austin, TX, 78701
New and Used Autos - 2025 and Newer
4.99%
Up to 36 Months
▼
APR4.99%
TermUp to 36 Months
Last UpdatedJul 7, 2026
Details
As Low As; *
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
306 E 10th St, Austin, TX, 78701
New and Used Autos 2025 and Newer
4.99%
Up to 36 Months
▼
APR4.99%
TermUp to 36 Months
Last UpdatedJul 7, 2026
Details
As Low As; *
City Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
7474 Ferguson Rd, Dallas, TX, 75228
New or Used Auto Loans
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedJul 7, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
3301 Airport Fwy Ste 175, Bedford, TX, 76021 6123
New & Used Autos
4.99%
72 Mos.
▼
APR4.99%
Term72 Mos.
Last UpdatedJul 10, 2026
Details
As Low As
Lubrizol Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.17%
205 Center St, Deer Park, TX, 77536 2735
New & Used Automobile
4.99%
61 Mo to 72 Mo
▼
APR4.99%
Term61 Mo to 72 Mo
Last UpdatedJul 10, 2026
Details
financing over $30K. Rates are variable and subject to change. See loan officer for details.
United Heritage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.17%
12208 N Mopac Expy, Austin, TX, 78758
New/Used Auto Loan
4.99%
37 to 48 Months
▼
APR4.99%
Term37 to 48 Months
Last UpdatedJul 11, 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
6.109%
▲ 0.484 vs 7 days ago
Texas new auto rates rose 0.484 points over the past 7 days to 6.109% APR.
Used Auto Loan — TX Avg
5.879%
▲ 0.207 vs 7 days ago
Texas used auto rates rose 0.207 points over the past 7 days to 5.879% APR.
As of Jul 16, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
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.
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:
- Southern Federal Credit Union: 2.50% (Auto Loans)
- IBEW Local 66 Federal Credit Union: 2.95% (New Vehicles, New Automobile (NA) A+ (800)
- TEXOMA EDUCATORS: 2.99% (New vehicles Loan)
- Members Choice Credit Union: 3.24% (New and Pre-Owned Autos)
- Lubrizol Employees Credit Union: 3.24% (New & Used Automobile)
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: July 15, 2026
Auto Loan Rates by City in Texas
Rate Assistant
MonitorBankRates.com · Live Data
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