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Auto Loan Rates in Cedar Park, Texas (TX) for May 2026

Content reviewed by
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| i Editorial Disclosure
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 Cedar Park, Texas. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
| ✓Fact Checked | Auto Loan Rates — Last Updated and Verified: May 12, 2026

Current auto loan rates in Cedar Park, Texas include Texell Credit UnionTexell Credit Union875 W Whitestone Blvd, Cedar Park, TX, 78613A+5.0 ★Texas Ratio: 3.58% offering New Auto at 3.99%, Amplify Credit UnionAmplify Credit Union5001 183A Toll Rd Ste 500, Cedar Park, TX, 78613 7903A+5.0 ★Texas Ratio: 2.63% offering Auto Loan (New/Used) at 4.80%, University Federal Credit UnionUniversity Federal Credit Union3200 E Whitestone Blvd, Cedar Park, TX, 78613A5.0 ★Texas Ratio: 8.47% offering Auto Loan at 4.99%, Velocity Credit UnionVelocity Credit Union1230 E New Hope Dr, Cedar Park, TX, 78613A+5.0 ★Texas Ratio: 3.01% offering New Autos with Member Rewards at 5.04%, GREATER TEXASGREATER TEXAS1600 N Bell Blvd, Cedar Park, TX, 78613 7082A5.0 ★Texas Ratio: 11.76% offering Auto Loans (2024 and Newer) at 5.51%. Auto loan rates as of May 12, 2026 according to verified data from MonitorBankRates.

Cedar Park has 5 local institutions in our database, with auto loan rates as low as 3.99% APR from Texell Credit Union at 875 W Whitestone Blvd, Cedar Park, TX, 78613. Use the tabs below to compare new and used auto loan rates. Rates are continually updated — we recommend checking back frequently.

Auto loan rates reflect recent market quotes and representative offers available to borrowers in Cedar Park, Texas. Auto Loan Rates Last Updated and Verified: May 12, 2026

Compare Auto Loan Rates Today in Cedar Park, Texas & Surrounding Area

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
875 W Whitestone Blvd, Cedar Park, TX, 78613
New Auto
3.99%
36-month
View
▼
APR3.99%
Term36-month
Last UpdatedMay 12, 2026
Details

As Low As

Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
875 W Whitestone Blvd, Cedar Park, TX, 78613
New Auto
4.24%
60-month
View
▼
APR4.24%
Term60-month
Last UpdatedMay 12, 2026
Details

As Low As

Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
875 W Whitestone Blvd, Cedar Park, TX, 78613
New Auto
4.49%
72-month
View
▼
APR4.49%
Term72-month
Last UpdatedMay 12, 2026
Details

As Low As

Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
875 W Whitestone Blvd, Cedar Park, TX, 78613
Pre-Owned Auto
4.49%
36-month
View
▼
APR4.49%
Term36-month
Last UpdatedMay 12, 2026
Details

As Low As

Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
875 W Whitestone Blvd, Cedar Park, TX, 78613
Pre-Owned Auto
4.74%
60-month
View
▼
APR4.74%
Term60-month
Last UpdatedMay 12, 2026
Details

As Low As

Amplify Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
5001 183A Toll Rd Ste 500, Cedar Park, TX, 78613 7903
Auto Loan (New/Used)
4.80%
0 - 48 Months
View
▼
APR4.80%
Term0 - 48 Months
Last UpdatedMay 12, 2026
Details

As Low As

University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
3200 E Whitestone Blvd, Cedar Park, TX, 78613
Auto Loan
4.99%
1 to 48
View
▼
APR4.99%
Term1 to 48
Last UpdatedMay 4, 2026
Details

University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
3200 E Whitestone Blvd, Cedar Park, TX, 78613
Auto Loans
4.99%
1 to 48 Months
View
▼
APR4.99%
Term1 to 48 Months
Last UpdatedMay 4, 2026
Details

Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
875 W Whitestone Blvd, Cedar Park, TX, 78613
Pre-Owned Auto
4.99%
72-month
View
▼
APR4.99%
Term72-month
Last UpdatedMay 12, 2026
Details

As Low As

Amplify Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
5001 183A Toll Rd Ste 500, Cedar Park, TX, 78613 7903
Auto Loan (New/Used)
5.00%
49 - 66 Months
View
▼
APR5.00%
Term49 - 66 Months
Last UpdatedMay 12, 2026
Details

As Low As

Velocity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.01%
1230 E New Hope Dr, Cedar Park, TX, 78613
New Autos with Member Rewards
5.04%
Up to 66 months
View
▼
APR5.04%
TermUp to 66 months
Last UpdatedMay 12, 2026
Details

As Low As

Velocity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.01%
1230 E New Hope Dr, Cedar Park, TX, 78613
Used Autos
5.04%
66 Months
View
▼
APR5.04%
Term66 Months
Last UpdatedMay 12, 2026
Details

As Low As; with Member Rewards†

Amplify Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
5001 183A Toll Rd Ste 500, Cedar Park, TX, 78613 7903
Auto Loan (New/Used)
5.20%
67 - 75 Months
View
▼
APR5.20%
Term67 - 75 Months
Last UpdatedMay 12, 2026
Details

As Low As

Velocity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.01%
1230 E New Hope Dr, Cedar Park, TX, 78613
New Autos with Member Rewards
5.24%
Over 67 to 75 months
View
▼
APR5.24%
TermOver 67 to 75 months
Last UpdatedMay 12, 2026
Details

As Low As

Velocity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.01%
1230 E New Hope Dr, Cedar Park, TX, 78613
Used Autos
5.24%
75 Months
View
▼
APR5.24%
Term75 Months
Last UpdatedMay 12, 2026
Details

As Low As; with Member Rewards†

Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
875 W Whitestone Blvd, Cedar Park, TX, 78613
New Auto
5.49%
84-month
View
▼
APR5.49%
Term84-month
Last UpdatedMay 12, 2026
Details

As Low As

GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 11.76%
1600 N Bell Blvd, Cedar Park, TX, 78613 7082
Auto Loans (2024 and Newer)
5.51%
36 Months
View
▼
APR5.51%
Term36 Months
Last UpdatedMay 12, 2026
Details

As Low As

University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
3200 E Whitestone Blvd, Cedar Park, TX, 78613
Auto Loan
5.64%
49 to 66
View
▼
APR5.64%
Term49 to 66
Last UpdatedMay 4, 2026
Details

GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 11.76%
1600 N Bell Blvd, Cedar Park, TX, 78613 7082
Auto Loans (2020 - 2023)
5.76%
36 Months
View
▼
APR5.76%
Term36 Months
Last UpdatedMay 12, 2026
Details

As Low As

GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 11.76%
1600 N Bell Blvd, Cedar Park, TX, 78613 7082
Auto Loans (2024 and Newer)
5.79%
66 Months
View
▼
APR5.79%
Term66 Months
Last UpdatedMay 12, 2026
Details

As Low As

University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
3200 E Whitestone Blvd, Cedar Park, TX, 78613
Auto Loan
5.89%
67 Plus
View
▼
APR5.89%
Term67 Plus
Last UpdatedMay 4, 2026
Details

GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 11.76%
1600 N Bell Blvd, Cedar Park, TX, 78613 7082
Auto Loans (2024 and Newer)
5.99%
75 Months
View
▼
APR5.99%
Term75 Months
Last UpdatedMay 12, 2026
Details

As Low As

Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
875 W Whitestone Blvd, Cedar Park, TX, 78613
Pre-Owned Auto
5.99%
84-month
View
▼
APR5.99%
Term84-month
Last UpdatedMay 12, 2026
Details

As Low As

Amplify Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
5001 183A Toll Rd Ste 500, Cedar Park, TX, 78613 7903
Auto Loan (New/Used)
6.00%
76 - 84 Months
View
▼
APR6.00%
Term76 - 84 Months
Last UpdatedMay 12, 2026
Details

As Low As

Velocity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.01%
1230 E New Hope Dr, Cedar Park, TX, 78613
New Autos with Member Rewards
6.09%
Over 76 to 84 months
View
▼
APR6.09%
TermOver 76 to 84 months
Last UpdatedMay 12, 2026
Details

As Low As

Velocity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.01%
1230 E New Hope Dr, Cedar Park, TX, 78613
Used Autos
6.09%
84 Months
View
▼
APR6.09%
Term84 Months
Last UpdatedMay 12, 2026
Details

As Low As; with Member Rewards†

University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
3200 E Whitestone Blvd, Cedar Park, TX, 78613
Auto Loan
6.24%
1 to 48
View
▼
APR6.24%
Term1 to 48
Last UpdatedMay 4, 2026
Details

University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
3200 E Whitestone Blvd, Cedar Park, TX, 78613
Business Auto Loans
6.25%
12 to 48
View
▼
APR6.25%
Term12 to 48
Last UpdatedMay 4, 2026
Details

A loan documentation fee of $175 will be assessed at closing.; Term restrictions may apply.

GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 11.76%
1600 N Bell Blvd, Cedar Park, TX, 78613 7082
Auto Loans (2020 - 2023)
6.29%
66 Months
View
▼
APR6.29%
Term66 Months
Last UpdatedMay 12, 2026
Details

As Low As

GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 11.76%
1600 N Bell Blvd, Cedar Park, TX, 78613 7082
Auto Loans (2016 - 2019)
6.47%
48 Months
View
▼
APR6.47%
Term48 Months
Last UpdatedMay 12, 2026
Details

As Low As

GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 11.76%
1600 N Bell Blvd, Cedar Park, TX, 78613 7082
Auto Loans (2020 - 2023)
6.49%
75 Months
View
▼
APR6.49%
Term75 Months
Last UpdatedMay 12, 2026
Details

As Low As

University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
3200 E Whitestone Blvd, Cedar Park, TX, 78613
Auto Loan
6.64%
49 to 66
View
▼
APR6.64%
Term49 to 66
Last UpdatedMay 4, 2026
Details

University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
3200 E Whitestone Blvd, Cedar Park, TX, 78613
Business Auto Loans
6.75%
49 to 66
View
▼
APR6.75%
Term49 to 66
Last UpdatedMay 4, 2026
Details

A loan documentation fee of $175 will be assessed at closing.; Term restrictions may apply.

GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 11.76%
1600 N Bell Blvd, Cedar Park, TX, 78613 7082
Auto Loans (2024 and Newer)
6.79%
84 Months
View
▼
APR6.79%
Term84 Months
Last UpdatedMay 12, 2026
Details

As Low As

University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
3200 E Whitestone Blvd, Cedar Park, TX, 78613
Auto Loan
6.89%
67 Plus
View
▼
APR6.89%
Term67 Plus
Last UpdatedMay 4, 2026
Details

GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 11.76%
1600 N Bell Blvd, Cedar Park, TX, 78613 7082
Auto Loans (2016 - 2019)
6.95%
66 Months
View
▼
APR6.95%
Term66 Months
Last UpdatedMay 12, 2026
Details

As Low As

University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
3200 E Whitestone Blvd, Cedar Park, TX, 78613
Business Auto Loans
7.00%
12 to 48
View
▼
APR7.00%
Term12 to 48
Last UpdatedMay 4, 2026
Details

A loan documentation fee of $175 will be assessed at closing.; Term restrictions may apply.

University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
3200 E Whitestone Blvd, Cedar Park, TX, 78613
Auto Loan
7.49%
1 to 48
View
▼
APR7.49%
Term1 to 48
Last UpdatedMay 4, 2026
Details

University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
3200 E Whitestone Blvd, Cedar Park, TX, 78613
Business Auto Loans
7.50%
49 to 66
View
▼
APR7.50%
Term49 to 66
Last UpdatedMay 4, 2026
Details

A loan documentation fee of $175 will be assessed at closing.; Term restrictions may apply.

University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
3200 E Whitestone Blvd, Cedar Park, TX, 78613
Auto Loan
7.89%
49 to 66
View
▼
APR7.89%
Term49 to 66
Last UpdatedMay 4, 2026
Details

University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
3200 E Whitestone Blvd, Cedar Park, TX, 78613
Business Auto Loans
8.00%
12 to 48
View
▼
APR8.00%
Term12 to 48
Last UpdatedMay 4, 2026
Details

A loan documentation fee of $175 will be assessed at closing.; Term restrictions may apply.

University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
3200 E Whitestone Blvd, Cedar Park, TX, 78613
Auto Loan
8.14%
67 Plus
View
▼
APR8.14%
Term67 Plus
Last UpdatedMay 4, 2026
Details

University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
3200 E Whitestone Blvd, Cedar Park, TX, 78613
Business Auto Loans
8.25%
12 to 36 Months
View
▼
APR8.25%
Term12 to 36 Months
Last UpdatedMay 4, 2026
Details

A loan documentation fee of $175 will be assessed at closing. Term restrictions may apply.

University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
3200 E Whitestone Blvd, Cedar Park, TX, 78613
Business Auto Loans
8.50%
49 to 66
View
▼
APR8.50%
Term49 to 66
Last UpdatedMay 4, 2026
Details

A loan documentation fee of $175 will be assessed at closing.; Term restrictions may apply.

University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
3200 E Whitestone Blvd, Cedar Park, TX, 78613
Business Auto Loans
8.75%
37 to 60 Months
View
▼
APR8.75%
Term37 to 60 Months
Last UpdatedMay 4, 2026
Details

A loan documentation fee of $175 will be assessed at closing. Term restrictions may apply.

University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
3200 E Whitestone Blvd, Cedar Park, TX, 78613
Business Auto Loans
9.00%
12 to 36 Months
View
▼
APR9.00%
Term12 to 36 Months
Last UpdatedMay 4, 2026
Details

A loan documentation fee of $175 will be assessed at closing. Term restrictions may apply.

University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
3200 E Whitestone Blvd, Cedar Park, TX, 78613
Auto Loan
9.39%
1 to 48
View
▼
APR9.39%
Term1 to 48
Last UpdatedMay 4, 2026
Details

University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
3200 E Whitestone Blvd, Cedar Park, TX, 78613
Business Auto Loans
9.50%
37 to 60 Months
View
▼
APR9.50%
Term37 to 60 Months
Last UpdatedMay 4, 2026
Details

A loan documentation fee of $175 will be assessed at closing. Term restrictions may apply.

University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
3200 E Whitestone Blvd, Cedar Park, TX, 78613
Auto Loan
9.64%
49 to 66
View
▼
APR9.64%
Term49 to 66
Last UpdatedMay 4, 2026
Details

University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
3200 E Whitestone Blvd, Cedar Park, TX, 78613
Auto Loan
9.89%
67 Plus
View
▼
APR9.89%
Term67 Plus
Last UpdatedMay 4, 2026
Details

University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
3200 E Whitestone Blvd, Cedar Park, TX, 78613
Business Auto Loans
10.00%
12 to 36 Months
View
▼
APR10.00%
Term12 to 36 Months
Last UpdatedMay 4, 2026
Details

A loan documentation fee of $175 will be assessed at closing. Term restrictions may apply.

University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
3200 E Whitestone Blvd, Cedar Park, TX, 78613
Business Auto Loans
10.50%
37 to 60 Months
View
▼
APR10.50%
Term37 to 60 Months
Last UpdatedMay 4, 2026
Details

A loan documentation fee of $175 will be assessed at closing. Term restrictions may apply.

University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
3200 E Whitestone Blvd, Cedar Park, TX, 78613
Auto Loan
14.65%
1 to 48
View
▼
APR14.65%
Term1 to 48
Last UpdatedMay 4, 2026
Details

University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
3200 E Whitestone Blvd, Cedar Park, TX, 78613
Auto Loan
15.10%
49 to 66
View
▼
APR15.10%
Term49 to 66
Last UpdatedMay 4, 2026
Details

University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
3200 E Whitestone Blvd, Cedar Park, TX, 78613
Auto Loan
15.35%
67 Plus
View
▼
APR15.35%
Term67 Plus
Last UpdatedMay 4, 2026
Details

University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
3200 E Whitestone Blvd, Cedar Park, TX, 78613
Auto Loan
17.25%
1 to 48
View
▼
APR17.25%
Term1 to 48
Last UpdatedMay 4, 2026
Details

University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
3200 E Whitestone Blvd, Cedar Park, TX, 78613
Auto Loan
17.70%
49 to 66
View
▼
APR17.70%
Term49 to 66
Last UpdatedMay 4, 2026
Details

University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
3200 E Whitestone Blvd, Cedar Park, TX, 78613
Auto Loan
17.90%
67 Plus
View
▼
APR17.90%
Term67 Plus
Last UpdatedMay 4, 2026
Details

IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
New Automobile (NA)
2.95%
0-36
View
▼
APR2.95%
Term0-36
Last UpdatedMay 7, 2026
Details

Grade: A+ (800+)

IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
Pre-Owned (Used) Automobile (UA)
2.95%
0-36
View
▼
APR2.95%
Term0-36
Last UpdatedMay 7, 2026
Details

Grade: A+ (800+)

TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New vehicles
2.99%
0-36
View
▼
APR2.99%
Term0-36
Last UpdatedMay 12, 2026
Details

TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New vehicles: 0-36 months
2.99%
36 Months
View
▼
APR2.99%
Term36 Months
Last UpdatedMay 12, 2026
Details

Lubrizol Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
New & Used Automobile
3.24%
24 Months
View
▼
APR3.24%
Term24 Months
Last UpdatedMay 10, 2026
Details

Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
New and Pre-Owned Autos
3.24%
12-36
View
▼
APR3.24%
Term12-36
Last UpdatedMay 12, 2026
Details

As Low As

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
3.24%
Auto Buying Service
View
▼
APR3.24%
TermAuto Buying Service
Last UpdatedMay 12, 2026
Details

As Low As; APR - 2026 & Newer

Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New & Used Autos
3.39%
Up to 36 Months
View
▼
APR3.39%
TermUp to 36 Months
Last UpdatedMay 6, 2026
Details

As Low As

Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
New Autos
3.49%
36 Months
View
▼
APR3.49%
Term36 Months
Last UpdatedMay 12, 2026
Details

As Low As; Fewer than 7,500 miles

Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
Used Autos
3.49%
36 Months
View
▼
APR3.49%
Term36 Months
Last UpdatedMay 12, 2026
Details

As Low As; Fewer than 100,000 miles

Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
New Auto Loan
3.50%
36 Months
View
▼
APR3.50%
Term36 Months
Last UpdatedMay 6, 2026
Details

As Low As

Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
Used Auto Loan
3.50%
36 Months
View
▼
APR3.50%
Term36 Months
Last UpdatedMay 6, 2026
Details

As Low As; All model years, Up to 36 months

Star Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.08%
Auto Loans
3.53%
18 Months
View
▼
APR3.53%
Term18 Months
Last UpdatedMay 12, 2026
Details

Victoria City County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.81%
New & Used Auto Loans
3.58%
36 to 72 Months
View
▼
APR3.58%
Term36 to 72 Months
Last UpdatedMay 7, 2026
Details

Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
New Auto Loan
3.70%
75 Months
View
▼
APR3.70%
Term75 Months
Last UpdatedMay 6, 2026
Details

MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
New & Used - Automobiles Year Models - 2020 & Newer
3.73%
Up to 36 Months
View
▼
APR3.73%
TermUp to 36 Months
Last UpdatedMay 12, 2026
Details

As Low As

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
3.74%
Up to 36 Months
View
▼
APR3.74%
TermUp to 36 Months
Last UpdatedMay 7, 2026
Details

As Low As

Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
New Auto Loan
3.75%
48 Months
View
▼
APR3.75%
Term48 Months
Last UpdatedMay 6, 2026
Details

As Low As

Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
Used Auto Loan
3.75%
48 Months
View
▼
APR3.75%
Term48 Months
Last UpdatedMay 6, 2026
Details

As Low As; All model years, Up to 48 months

MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
New & Used - Automobiles Year Models - 2021 & Newer
3.80%
37 - 48 Months
View
▼
APR3.80%
Term37 - 48 Months
Last UpdatedMay 12, 2026
Details

As Low As

MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
New & Used - Automobiles Year Models - 2022 & Newer
3.86%
49 - 60 Months
View
▼
APR3.86%
Term49 - 60 Months
Last UpdatedMay 12, 2026
Details

As Low As

Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New & Used Autos
3.89%
37-48 Months
View
▼
APR3.89%
Term37-48 Months
Last UpdatedMay 6, 2026
Details

As Low As

Americas Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.51%
Auto Loans
3.89%
36 months
View
▼
APR3.89%
Term36 months
Last UpdatedMay 12, 2026
Details

As Low As; Fixed-Rate

MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
New & Used - Automobiles Year Models - 2023 & Newer
3.92%
61 - 72 Months
View
▼
APR3.92%
Term61 - 72 Months
Last UpdatedMay 12, 2026
Details

As Low As

Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
Auto Loans - Used & New
3.94%
0-36
View
▼
APR3.94%
Term0-36
Last UpdatedMay 12, 2026
Details

As Low As

IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
New Automobile (NA)
3.95%
37-60
View
▼
APR3.95%
Term37-60
Last UpdatedMay 7, 2026
Details

Grade: A+ (800+)

IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
Pre-Owned (Used) Automobile (UA)
3.95%
37-60
View
▼
APR3.95%
Term37-60
Last UpdatedMay 7, 2026
Details

Grade: A+ (800+)

Domino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New and Used Autos
3.95%
36 Months
View
▼
APR3.95%
Term36 Months
Last UpdatedMay 7, 2026
Details

MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
New & Used - Automobiles Year Models - 2025 & Newer
3.98%
73 - 84 Months
View
▼
APR3.98%
Term73 - 84 Months
Last UpdatedMay 12, 2026
Details

As Low As

Tinker Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
Repo Vehicle Loans
3.99%
60 Months
View
▼
APR3.99%
Term60 Months
Last UpdatedMay 4, 2026
Details

City of Deer Park Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
Auto Loan A+
3.99%
0-48
View
▼
APR3.99%
Term0-48
Last UpdatedMay 7, 2026
Details

TruGrocer Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.15%
Vehicle Loan
3.99%
24 Months
View
▼
APR3.99%
Term24 Months
Last UpdatedMay 7, 2026
Details

As Low As; 24 month to 84 month terms

Rockdale Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
New Vehicles
3.99%
36 Months
View
▼
APR3.99%
Term36 Months
Last UpdatedMay 7, 2026
Details

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
New Auto Loan
3.99%
36 Months
View
▼
APR3.99%
Term36 Months
Last UpdatedMay 7, 2026
Details

As Low As; Qualifying rate - Conditions apply

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
Used Auto Loan
3.99%
36 Months
View
▼
APR3.99%
Term36 Months
Last UpdatedMay 7, 2026
Details

As Low As; (Up to 5 Years old / 2021+)

US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
NEW Autos Up to 36 Months
3.99%
36 Months
View
▼
APR3.99%
Term36 Months
Last UpdatedMay 10, 2026
Details

As Low As

The State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
New Automotive
3.99%
36 Months
View
▼
APR3.99%
Term36 Months
Last UpdatedMay 10, 2026
Details

Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.73%
New Auto Loans
3.99%
54 Months
View
▼
APR3.99%
Term54 Months
Last UpdatedMay 12, 2026
Details

As Low As

Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
Car Loans
3.99%
36 Months
View
▼
APR3.99%
Term36 Months
Last UpdatedMay 12, 2026
Details

As Low As

Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
New Auto
3.99%
Up to 36 months
View
▼
APR3.99%
TermUp to 36 months
Last UpdatedMay 12, 2026
Details

Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
Used or Refinanced Car Loans
3.99%
36 Months
View
▼
APR3.99%
Term36 Months
Last UpdatedMay 12, 2026
Details

As Low As

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
3.99%
0 - 75 Months
View
▼
APR3.99%
Term0 - 75 Months
Last UpdatedMay 12, 2026
Details

As Low As; APR - 2026 & Newer

TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New vehicles
3.99%
37-48
View
▼
APR3.99%
Term37-48
Last UpdatedMay 12, 2026
Details

TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New vehicles: 37-48 months
3.99%
48 Months
View
▼
APR3.99%
Term48 Months
Last UpdatedMay 12, 2026
Details

First Service Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.02%
Auto Loan
3.99%
36 - 84
View
▼
APR3.99%
Term36 - 84
Last UpdatedMay 12, 2026
Details

As Low As

Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Cars and Trucks
4.00%
36 Months
View
▼
APR4.00%
Term36 Months
Last UpdatedMay 6, 2026
Details

Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
New Auto Loan
4.00%
60 Months
View
▼
APR4.00%
Term60 Months
Last UpdatedMay 6, 2026
Details

As Low As

Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
Used Auto Loan
4.00%
60 Months
View
▼
APR4.00%
Term60 Months
Last UpdatedMay 6, 2026
Details

As Low As; 2020 & newer, Up to 60 months

Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
New & Used Auto
4.00%
36 Months
View
▼
APR4.00%
Term36 Months
Last UpdatedMay 6, 2026
Details

As Low As

1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.28%
New Automobiles & Light Trucks
4.00%
36 Months
View
▼
APR4.00%
Term36 Months
Last UpdatedMay 6, 2026
Details

As Low As

1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.28%
Used Automobiles & Light Trucks
4.00%
36 Months
View
▼
APR4.00%
Term36 Months
Last UpdatedMay 6, 2026
Details

As Low As

Starr County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
Auto Purchases
4.00%
84 Months
View
▼
APR4.00%
Term84 Months
Last UpdatedMay 7, 2026
Details

As Low As

ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
Auto Loan - New Vehicles
4.00%
24 Months
View
▼
APR4.00%
Term24 Months
Last UpdatedMay 10, 2026
Details

Concho Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.64%
New Auto
4.00%
36 Months
View
▼
APR4.00%
Term36 Months
Last UpdatedMay 12, 2026
Details

As Low As; Maximum Loan: 100%

Concho Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.64%
Used Autos
4.00%
24 Months
View
▼
APR4.00%
Term24 Months
Last UpdatedMay 12, 2026
Details

As Low As; Maximum Loan: NADA RETAIL VALUE

Service 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
New Vehicle
4.00%
94 Months
View
▼
APR4.00%
Term94 Months
Last UpdatedMay 12, 2026
Details

PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.71%
Auto Loans (New & Used)
4.05%
36 Months
View
▼
APR4.05%
Term36 Months
Last UpdatedMay 6, 2026
Details

As Low As; 2019-2025 Model Years

Mesquite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.76%
New and Used Vehicles
4.10%
Up to 72 Months
View
▼
APR4.10%
TermUp to 72 Months
Last UpdatedMay 12, 2026
Details

As Low As

ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
Auto Loan - New Vehicles
4.12%
36 Months
View
▼
APR4.12%
Term36 Months
Last UpdatedMay 10, 2026
Details

Memorial Credit Union Houston, TX
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
New Autos
4.14%
84 Months
View
▼
APR4.14%
Term84 Months
Last UpdatedMay 10, 2026
Details

Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
Auto Loans - Used & New
4.14%
49-60
View
▼
APR4.14%
Term49-60
Last UpdatedMay 12, 2026
Details

As Low As

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Used Auto
4.24%
Up to 36 Months
View
▼
APR4.24%
TermUp to 36 Months
Last UpdatedMay 7, 2026
Details

As Low As

Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.59%
2023-2025 Used Vehicles
4.24%
Up to 48 Months
View
▼
APR4.24%
TermUp to 48 Months
Last UpdatedMay 10, 2026
Details

Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
New Automobile Loan
4.25%
Up to 36
View
▼
APR4.25%
TermUp to 36
Last UpdatedMay 7, 2026
Details

As Low As

Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
Used Automobile Loan
4.25%
Up to 36
View
▼
APR4.25%
TermUp to 36
Last UpdatedMay 7, 2026
Details

As Low As

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
New Auto Loan
4.25%
48 Months
View
▼
APR4.25%
Term48 Months
Last UpdatedMay 7, 2026
Details

As Low As; Qualifying rate - Conditions apply

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
Used Auto Loan
4.25%
48 Months
View
▼
APR4.25%
Term48 Months
Last UpdatedMay 7, 2026
Details

As Low As; (Up to 5 Years old / 2021+)

US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
NEW Autos Up to 48 Months
4.25%
48 Months
View
▼
APR4.25%
Term48 Months
Last UpdatedMay 10, 2026
Details

As Low As

US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
USED Autos Up to 36 Months
4.25%
36 Months
View
▼
APR4.25%
Term36 Months
Last UpdatedMay 10, 2026
Details

As Low As

ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
Auto Loan - New Vehicles
4.25%
48 Months
View
▼
APR4.25%
Term48 Months
Last UpdatedMay 10, 2026
Details

MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
New Auto Loans
4.25%
0-24
View
▼
APR4.25%
Term0-24
Last UpdatedMay 12, 2026
Details

MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
Used Auto Loans
4.25%
0-24
View
▼
APR4.25%
Term0-24
Last UpdatedMay 12, 2026
Details

Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
Auto Loans - Used & New
4.29%
61-72
View
▼
APR4.29%
Term61-72
Last UpdatedMay 12, 2026
Details

As Low As

Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
Auto Loan
4.29%
48 Months
View
▼
APR4.29%
Term48 Months
Last UpdatedMay 12, 2026
Details

As Low As

Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
Auto Loans
4.29%
48 Months
View
▼
APR4.29%
Term48 Months
Last UpdatedMay 12, 2026
Details

As Low As

Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
New Autos
4.29%
48 Months
View
▼
APR4.29%
Term48 Months
Last UpdatedMay 12, 2026
Details

As Low As; Fewer than 7,500 miles

Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
Used Autos
4.29%
48 Months
View
▼
APR4.29%
Term48 Months
Last UpdatedMay 12, 2026
Details

As Low As; Fewer than 100,000 miles

Cherokee County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.87%
New Car Loan
4.35%
84 Months
View
▼
APR4.35%
Term84 Months
Last UpdatedMay 6, 2026
Details

Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
New & Used Vehicles
4.35%
60 Months
View
▼
APR4.35%
Term60 Months
Last UpdatedMay 7, 2026
Details

As Low As

Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
Vehicle Loans
4.35%
60 months
View
▼
APR4.35%
Term60 months
Last UpdatedMay 7, 2026
Details

As Low As

ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
Auto Loan - New Vehicles
4.38%
60 Months
View
▼
APR4.38%
Term60 Months
Last UpdatedMay 10, 2026
Details

Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.48%
New And Used Autos
4.39%
Up to 36
View
▼
APR4.39%
TermUp to 36
Last UpdatedMay 6, 2026
Details

As Low As

Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New & Used Autos
4.39%
49 - 65 Months
View
▼
APR4.39%
Term49 - 65 Months
Last UpdatedMay 6, 2026
Details

As Low As

Southwest Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.40%
New Auto
4.39%
72 Months
View
▼
APR4.39%
Term72 Months
Last UpdatedMay 7, 2026
Details

As Low As

Southwest Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.40%
Used Auto
4.39%
72 Months
View
▼
APR4.39%
Term72 Months
Last UpdatedMay 7, 2026
Details

As Low As

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
NEW Auto Loan
4.40%
36 Months
View
▼
APR4.40%
Term36 Months
Last UpdatedMay 7, 2026
Details

As Low As

Swemp Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
New Autos
4.45%
84 Months
View
▼
APR4.45%
Term84 Months
Last UpdatedMay 6, 2026
Details

As Low As; * As Low As (Based On Credit Score And Loan Term)

Swemp Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
Pre-Owned Autos
4.45%
84 Months
View
▼
APR4.45%
Term84 Months
Last UpdatedMay 6, 2026
Details

As Low As; * As Low As (Based On Credit Score And Loan Term)

Texasgulf Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.70%
New or used vehicle
4.49%
36 Months
View
▼
APR4.49%
Term36 Months
Last UpdatedMay 6, 2026
Details

As Low As

Gulf Shore Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.87%
Autos 2026-2022
4.49%
0-24
View
▼
APR4.49%
Term0-24
Last UpdatedMay 6, 2026
Details

As Low As

Lubbock Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Auto Loan
4.49%
48 Months
View
▼
APR4.49%
Term48 Months
Last UpdatedMay 6, 2026
Details

Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
New Vehicle
4.49%
Up to 48 Months
View
▼
APR4.49%
TermUp to 48 Months
Last UpdatedMay 7, 2026
Details

Domino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New and Used Autos
4.49%
72 Months
View
▼
APR4.49%
Term72 Months
Last UpdatedMay 7, 2026
Details

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
4.49%
Up to 60 months
View
▼
APR4.49%
TermUp to 60 months
Last UpdatedMay 7, 2026
Details

As Low As

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
4.49%
24 Months
View
▼
APR4.49%
Term24 Months
Last UpdatedMay 10, 2026
Details

As Low As

Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.59%
2023-2025 Used Vehicles
4.49%
Up to 72 Months
View
▼
APR4.49%
TermUp to 72 Months
Last UpdatedMay 10, 2026
Details

Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.59%
2026 New Vehicles & Newer
4.49%
Up to 48-54 Months
View
▼
APR4.49%
TermUp to 48-54 Months
Last UpdatedMay 10, 2026
Details

US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
NEW Autos Up to 60 Months
4.49%
60 Months
View
▼
APR4.49%
Term60 Months
Last UpdatedMay 10, 2026
Details

As Low As

Access Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.15%
New Vehicles - 5 years and newer**
4.49%
24 to 36
View
▼
APR4.49%
Term24 to 36
Last UpdatedMay 10, 2026
Details

Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.83%
New and Used Vehicles
4.49%
48 Months
View
▼
APR4.49%
Term48 Months
Last UpdatedMay 12, 2026
Details

As Low As; Up to 48 Months

City Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.07%
New or Used Auto Loans
4.49%
24 Months
View
▼
APR4.49%
Term24 Months
Last UpdatedMay 12, 2026
Details

Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.73%
Auto Loans Used
4.49%
54 Months
View
▼
APR4.49%
Term54 Months
Last UpdatedMay 12, 2026
Details

As Low As

Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.73%
New Auto Loans
4.49%
72 Months
View
▼
APR4.49%
Term72 Months
Last UpdatedMay 12, 2026
Details

As Low As

Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
Auto Loan
4.49%
60 Months
View
▼
APR4.49%
Term60 Months
Last UpdatedMay 12, 2026
Details

As Low As

Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
Auto Loans
4.49%
60 Months
View
▼
APR4.49%
Term60 Months
Last UpdatedMay 12, 2026
Details

As Low As

Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
Car Loans
4.49%
48 Months
View
▼
APR4.49%
Term48 Months
Last UpdatedMay 12, 2026
Details

As Low As

Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
New Auto
4.49%
Up to 48 months
View
▼
APR4.49%
TermUp to 48 months
Last UpdatedMay 12, 2026
Details

Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
Used or Refinanced Car Loans
4.49%
48 Months
View
▼
APR4.49%
Term48 Months
Last UpdatedMay 12, 2026
Details

As Low As

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
4.49%
Auto Buying Service
View
▼
APR4.49%
TermAuto Buying Service
Last UpdatedMay 12, 2026
Details

As Low As; APR - 2023 - 2025*

TEXAS TECH
Institution Rating:
A5.0 ★ Texas Ratio: 8.53%
New Auto Loan
4.49%
48 Months
View
▼
APR4.49%
Term48 Months
Last UpdatedMay 12, 2026
Details

Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Cars and Trucks
4.50%
48 Months
View
▼
APR4.50%
Term48 Months
Last UpdatedMay 6, 2026
Details

Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Cars and Trucks
4.50%
36 Months
View
▼
APR4.50%
Term36 Months
Last UpdatedMay 6, 2026
Details

Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
New Auto Loan
4.50%
72 Months
View
▼
APR4.50%
Term72 Months
Last UpdatedMay 6, 2026
Details

As Low As

Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
Used Auto Loan
4.50%
72 Months
View
▼
APR4.50%
Term72 Months
Last UpdatedMay 6, 2026
Details

As Low As; 2022 & newer, Up to 72 months

Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
New & Used Auto
4.50%
48 Months
View
▼
APR4.50%
Term48 Months
Last UpdatedMay 6, 2026
Details

As Low As

Port Arthur Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
New Car
4.50%
60 Months
View
▼
APR4.50%
Term60 Months
Last UpdatedMay 6, 2026
Details

up to 60 month financing available

Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
New Automobile Loan
4.50%
37 - 48
View
▼
APR4.50%
Term37 - 48
Last UpdatedMay 7, 2026
Details

As Low As

Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
Used Automobile Loan
4.50%
37 - 48 Months
View
▼
APR4.50%
Term37 - 48 Months
Last UpdatedMay 7, 2026
Details

As Low As

Common Cents Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.15%
Auto Loan
4.50%
36 Months
View
▼
APR4.50%
Term36 Months
Last UpdatedMay 7, 2026
Details

As Low As

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
New Auto Loan
4.50%
60 Months
View
▼
APR4.50%
Term60 Months
Last UpdatedMay 7, 2026
Details

As Low As; Qualifying rate - Conditions apply

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
Used Auto Loan
4.50%
60 Months
View
▼
APR4.50%
Term60 Months
Last UpdatedMay 7, 2026
Details

As Low As; (Up to 5 Years old / 2021+)

US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
USED Autos Up to 48 Months
4.50%
48 Months
View
▼
APR4.50%
Term48 Months
Last UpdatedMay 10, 2026
Details

As Low As

Concho Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.64%
New Auto
4.50%
48 Months
View
▼
APR4.50%
Term48 Months
Last UpdatedMay 12, 2026
Details

As Low As; Maximum Loan: 100%

MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
New Auto Loans
4.50%
49-60
View
▼
APR4.50%
Term49-60
Last UpdatedMay 12, 2026
Details

MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
Used Auto Loans
4.50%
49-60
View
▼
APR4.50%
Term49-60
Last UpdatedMay 12, 2026
Details

Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.48%
New And Used Autos
4.54%
49 - 60
View
▼
APR4.54%
Term49 - 60
Last UpdatedMay 6, 2026
Details

As Low As

Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
New Autos
4.54%
71 Months
View
▼
APR4.54%
Term71 Months
Last UpdatedMay 12, 2026
Details

As Low As; Fewer than 7,500 miles

Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
Used Autos
4.54%
71 Months
View
▼
APR4.54%
Term71 Months
Last UpdatedMay 12, 2026
Details

As Low As; Fewer than 100,000 miles

Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
Car Loans
4.55%
2 Months
View
▼
APR4.55%
Term2 Months
Last UpdatedMay 6, 2026
Details

2011 to 2015 Model Year

Libertyone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.98%
New and Used Automobiles
4.55%
24 months
View
▼
APR4.55%
Term24 months
Last UpdatedMay 10, 2026
Details

White Sands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.21%
Used Auto Loan
4.59%
72 Months
View
▼
APR4.59%
Term72 Months
Last UpdatedMay 6, 2026
Details

As Low As; Loyalty Plus & Online Application Discount

Centex Citizens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.76%
New Vehicles 22025 and Newer
4.59%
36 Months
View
▼
APR4.59%
Term36 Months
Last UpdatedMay 10, 2026
Details

As Low As

Keystone Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.48%
New Vehicle
4.59%
60 Months
View
▼
APR4.59%
Term60 Months
Last UpdatedMay 12, 2026
Details

Cherokee County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.87%
Used Car Loan
4.60%
72 Months
View
▼
APR4.60%
Term72 Months
Last UpdatedMay 6, 2026
Details

Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.48%
New And Used Autos
4.64%
37 - 48
View
▼
APR4.64%
Term37 - 48
Last UpdatedMay 6, 2026
Details

As Low As

Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New & Used Autos
4.64%
66 - 74 Months
View
▼
APR4.64%
Term66 - 74 Months
Last UpdatedMay 6, 2026
Details

As Low As

Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
New Vehicle
4.64%
Up to 60 Months
View
▼
APR4.64%
TermUp to 60 Months
Last UpdatedMay 7, 2026
Details

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
New Auto
4.64%
Up to 63 Months
View
▼
APR4.64%
TermUp to 63 Months
Last UpdatedMay 10, 2026
Details

Centex Citizens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.76%
New Vehicles 22025-2027
4.64%
75 Months
View
▼
APR4.64%
Term75 Months
Last UpdatedMay 10, 2026
Details

As Low As

Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.73%
Auto Loans Refinance
4.64%
54 Months
View
▼
APR4.64%
Term54 Months
Last UpdatedMay 12, 2026
Details

As Low As

Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
Car Loans
4.65%
3 Months
View
▼
APR4.65%
Term3 Months
Last UpdatedMay 6, 2026
Details

2016 to 2019 Model Year

Chocolate Bayou Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.27%
Auto Loans Up to 60 Months
4.67%
60 Months
View
▼
APR4.67%
Term60 Months
Last UpdatedMay 7, 2026
Details

As Low As

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
875 W Whitestone Blvd, Cedar Park, TX, 78613
New Auto
3.99%
36-month
View
▼
APR3.99%
Term36-month
Last UpdatedMay 12, 2026
Details

As Low As

Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
875 W Whitestone Blvd, Cedar Park, TX, 78613
New Auto
4.24%
60-month
View
▼
APR4.24%
Term60-month
Last UpdatedMay 12, 2026
Details

As Low As

Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
875 W Whitestone Blvd, Cedar Park, TX, 78613
New Auto
4.49%
72-month
View
▼
APR4.49%
Term72-month
Last UpdatedMay 12, 2026
Details

As Low As

Amplify Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
5001 183A Toll Rd Ste 500, Cedar Park, TX, 78613 7903
Auto Loan (New/Used)
4.80%
0 - 48 Months
View
▼
APR4.80%
Term0 - 48 Months
Last UpdatedMay 12, 2026
Details

As Low As

Amplify Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
5001 183A Toll Rd Ste 500, Cedar Park, TX, 78613 7903
Auto Loan (New/Used)
5.00%
49 - 66 Months
View
▼
APR5.00%
Term49 - 66 Months
Last UpdatedMay 12, 2026
Details

As Low As

Velocity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.01%
1230 E New Hope Dr, Cedar Park, TX, 78613
New Autos with Member Rewards
5.04%
Up to 66 months
View
▼
APR5.04%
TermUp to 66 months
Last UpdatedMay 12, 2026
Details

As Low As

Amplify Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
5001 183A Toll Rd Ste 500, Cedar Park, TX, 78613 7903
Auto Loan (New/Used)
5.20%
67 - 75 Months
View
▼
APR5.20%
Term67 - 75 Months
Last UpdatedMay 12, 2026
Details

As Low As

Velocity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.01%
1230 E New Hope Dr, Cedar Park, TX, 78613
New Autos with Member Rewards
5.24%
Over 67 to 75 months
View
▼
APR5.24%
TermOver 67 to 75 months
Last UpdatedMay 12, 2026
Details

As Low As

Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
875 W Whitestone Blvd, Cedar Park, TX, 78613
New Auto
5.49%
84-month
View
▼
APR5.49%
Term84-month
Last UpdatedMay 12, 2026
Details

As Low As

GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 11.76%
1600 N Bell Blvd, Cedar Park, TX, 78613 7082
Auto Loans (2024 and Newer)
5.51%
36 Months
View
▼
APR5.51%
Term36 Months
Last UpdatedMay 12, 2026
Details

As Low As

GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 11.76%
1600 N Bell Blvd, Cedar Park, TX, 78613 7082
Auto Loans (2024 and Newer)
5.79%
66 Months
View
▼
APR5.79%
Term66 Months
Last UpdatedMay 12, 2026
Details

As Low As

GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 11.76%
1600 N Bell Blvd, Cedar Park, TX, 78613 7082
Auto Loans (2024 and Newer)
5.99%
75 Months
View
▼
APR5.99%
Term75 Months
Last UpdatedMay 12, 2026
Details

As Low As

Amplify Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
5001 183A Toll Rd Ste 500, Cedar Park, TX, 78613 7903
Auto Loan (New/Used)
6.00%
76 - 84 Months
View
▼
APR6.00%
Term76 - 84 Months
Last UpdatedMay 12, 2026
Details

As Low As

Velocity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.01%
1230 E New Hope Dr, Cedar Park, TX, 78613
New Autos with Member Rewards
6.09%
Over 76 to 84 months
View
▼
APR6.09%
TermOver 76 to 84 months
Last UpdatedMay 12, 2026
Details

As Low As

GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 11.76%
1600 N Bell Blvd, Cedar Park, TX, 78613 7082
Auto Loans (2024 and Newer)
6.79%
84 Months
View
▼
APR6.79%
Term84 Months
Last UpdatedMay 12, 2026
Details

As Low As

IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
New Automobile (NA)
2.95%
0-36
View
▼
APR2.95%
Term0-36
Last UpdatedMay 7, 2026
Details

Grade: A+ (800+)

TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New vehicles
2.99%
0-36
View
▼
APR2.99%
Term0-36
Last UpdatedMay 12, 2026
Details

TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New vehicles: 0-36 months
2.99%
36 Months
View
▼
APR2.99%
Term36 Months
Last UpdatedMay 12, 2026
Details

Lubrizol Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
New & Used Automobile
3.24%
24 Months
View
▼
APR3.24%
Term24 Months
Last UpdatedMay 10, 2026
Details

Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
New and Pre-Owned Autos
3.24%
12-36
View
▼
APR3.24%
Term12-36
Last UpdatedMay 12, 2026
Details

As Low As

Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New & Used Autos
3.39%
Up to 36 Months
View
▼
APR3.39%
TermUp to 36 Months
Last UpdatedMay 6, 2026
Details

As Low As

Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
New Autos
3.49%
36 Months
View
▼
APR3.49%
Term36 Months
Last UpdatedMay 12, 2026
Details

As Low As; Fewer than 7,500 miles

Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
New Auto Loan
3.50%
36 Months
View
▼
APR3.50%
Term36 Months
Last UpdatedMay 6, 2026
Details

As Low As

Victoria City County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.81%
New & Used Auto Loans
3.58%
36 to 72 Months
View
▼
APR3.58%
Term36 to 72 Months
Last UpdatedMay 7, 2026
Details

Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
New Auto Loan
3.70%
75 Months
View
▼
APR3.70%
Term75 Months
Last UpdatedMay 6, 2026
Details

MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
New & Used - Automobiles Year Models - 2020 & Newer
3.73%
Up to 36 Months
View
▼
APR3.73%
TermUp to 36 Months
Last UpdatedMay 12, 2026
Details

As Low As

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
3.74%
Up to 36 Months
View
▼
APR3.74%
TermUp to 36 Months
Last UpdatedMay 7, 2026
Details

As Low As

Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
New Auto Loan
3.75%
48 Months
View
▼
APR3.75%
Term48 Months
Last UpdatedMay 6, 2026
Details

As Low As

MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
New & Used - Automobiles Year Models - 2021 & Newer
3.80%
37 - 48 Months
View
▼
APR3.80%
Term37 - 48 Months
Last UpdatedMay 12, 2026
Details

As Low As

MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
New & Used - Automobiles Year Models - 2022 & Newer
3.86%
49 - 60 Months
View
▼
APR3.86%
Term49 - 60 Months
Last UpdatedMay 12, 2026
Details

As Low As

Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New & Used Autos
3.89%
37-48 Months
View
▼
APR3.89%
Term37-48 Months
Last UpdatedMay 6, 2026
Details

As Low As

MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
New & Used - Automobiles Year Models - 2023 & Newer
3.92%
61 - 72 Months
View
▼
APR3.92%
Term61 - 72 Months
Last UpdatedMay 12, 2026
Details

As Low As

Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
Auto Loans - Used & New
3.94%
0-36
View
▼
APR3.94%
Term0-36
Last UpdatedMay 12, 2026
Details

As Low As

IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
New Automobile (NA)
3.95%
37-60
View
▼
APR3.95%
Term37-60
Last UpdatedMay 7, 2026
Details

Grade: A+ (800+)

Domino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New and Used Autos
3.95%
36 Months
View
▼
APR3.95%
Term36 Months
Last UpdatedMay 7, 2026
Details

MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
New & Used - Automobiles Year Models - 2025 & Newer
3.98%
73 - 84 Months
View
▼
APR3.98%
Term73 - 84 Months
Last UpdatedMay 12, 2026
Details

As Low As

Rockdale Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
New Vehicles
3.99%
36 Months
View
▼
APR3.99%
Term36 Months
Last UpdatedMay 7, 2026
Details

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
New Auto Loan
3.99%
36 Months
View
▼
APR3.99%
Term36 Months
Last UpdatedMay 7, 2026
Details

As Low As; Qualifying rate - Conditions apply

US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
NEW Autos Up to 36 Months
3.99%
36 Months
View
▼
APR3.99%
Term36 Months
Last UpdatedMay 10, 2026
Details

As Low As

The State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
New Automotive
3.99%
36 Months
View
▼
APR3.99%
Term36 Months
Last UpdatedMay 10, 2026
Details

Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.73%
New Auto Loans
3.99%
54 Months
View
▼
APR3.99%
Term54 Months
Last UpdatedMay 12, 2026
Details

As Low As

Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
New Auto
3.99%
Up to 36 months
View
▼
APR3.99%
TermUp to 36 months
Last UpdatedMay 12, 2026
Details

TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New vehicles
3.99%
37-48
View
▼
APR3.99%
Term37-48
Last UpdatedMay 12, 2026
Details

TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New vehicles: 37-48 months
3.99%
48 Months
View
▼
APR3.99%
Term48 Months
Last UpdatedMay 12, 2026
Details

Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Cars and Trucks
4.00%
36 Months
View
▼
APR4.00%
Term36 Months
Last UpdatedMay 6, 2026
Details

Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
New Auto Loan
4.00%
60 Months
View
▼
APR4.00%
Term60 Months
Last UpdatedMay 6, 2026
Details

As Low As

Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
New & Used Auto
4.00%
36 Months
View
▼
APR4.00%
Term36 Months
Last UpdatedMay 6, 2026
Details

As Low As

1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.28%
New Automobiles & Light Trucks
4.00%
36 Months
View
▼
APR4.00%
Term36 Months
Last UpdatedMay 6, 2026
Details

As Low As

ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
Auto Loan - New Vehicles
4.00%
24 Months
View
▼
APR4.00%
Term24 Months
Last UpdatedMay 10, 2026
Details

Concho Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.64%
New Auto
4.00%
36 Months
View
▼
APR4.00%
Term36 Months
Last UpdatedMay 12, 2026
Details

As Low As; Maximum Loan: 100%

Service 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
New Vehicle
4.00%
94 Months
View
▼
APR4.00%
Term94 Months
Last UpdatedMay 12, 2026
Details

PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.71%
Auto Loans (New & Used)
4.05%
36 Months
View
▼
APR4.05%
Term36 Months
Last UpdatedMay 6, 2026
Details

As Low As; 2019-2025 Model Years

Mesquite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.76%
New and Used Vehicles
4.10%
Up to 72 Months
View
▼
APR4.10%
TermUp to 72 Months
Last UpdatedMay 12, 2026
Details

As Low As

ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
Auto Loan - New Vehicles
4.12%
36 Months
View
▼
APR4.12%
Term36 Months
Last UpdatedMay 10, 2026
Details

Memorial Credit Union Houston, TX
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
New Autos
4.14%
84 Months
View
▼
APR4.14%
Term84 Months
Last UpdatedMay 10, 2026
Details

Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
Auto Loans - Used & New
4.14%
49-60
View
▼
APR4.14%
Term49-60
Last UpdatedMay 12, 2026
Details

As Low As

Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
New Automobile Loan
4.25%
Up to 36
View
▼
APR4.25%
TermUp to 36
Last UpdatedMay 7, 2026
Details

As Low As

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
New Auto Loan
4.25%
48 Months
View
▼
APR4.25%
Term48 Months
Last UpdatedMay 7, 2026
Details

As Low As; Qualifying rate - Conditions apply

US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
NEW Autos Up to 48 Months
4.25%
48 Months
View
▼
APR4.25%
Term48 Months
Last UpdatedMay 10, 2026
Details

As Low As

ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
Auto Loan - New Vehicles
4.25%
48 Months
View
▼
APR4.25%
Term48 Months
Last UpdatedMay 10, 2026
Details

MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
New Auto Loans
4.25%
0-24
View
▼
APR4.25%
Term0-24
Last UpdatedMay 12, 2026
Details

Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
Auto Loans - Used & New
4.29%
61-72
View
▼
APR4.29%
Term61-72
Last UpdatedMay 12, 2026
Details

As Low As

Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
New Autos
4.29%
48 Months
View
▼
APR4.29%
Term48 Months
Last UpdatedMay 12, 2026
Details

As Low As; Fewer than 7,500 miles

Cherokee County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.87%
New Car Loan
4.35%
84 Months
View
▼
APR4.35%
Term84 Months
Last UpdatedMay 6, 2026
Details

Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
New & Used Vehicles
4.35%
60 Months
View
▼
APR4.35%
Term60 Months
Last UpdatedMay 7, 2026
Details

As Low As

ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
Auto Loan - New Vehicles
4.38%
60 Months
View
▼
APR4.38%
Term60 Months
Last UpdatedMay 10, 2026
Details

Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.48%
New And Used Autos
4.39%
Up to 36
View
▼
APR4.39%
TermUp to 36
Last UpdatedMay 6, 2026
Details

As Low As

Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New & Used Autos
4.39%
49 - 65 Months
View
▼
APR4.39%
Term49 - 65 Months
Last UpdatedMay 6, 2026
Details

As Low As

Southwest Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.40%
New Auto
4.39%
72 Months
View
▼
APR4.39%
Term72 Months
Last UpdatedMay 7, 2026
Details

As Low As

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
NEW Auto Loan
4.40%
36 Months
View
▼
APR4.40%
Term36 Months
Last UpdatedMay 7, 2026
Details

As Low As

Swemp Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
New Autos
4.45%
84 Months
View
▼
APR4.45%
Term84 Months
Last UpdatedMay 6, 2026
Details

As Low As; * As Low As (Based On Credit Score And Loan Term)

Texasgulf Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.70%
New or used vehicle
4.49%
36 Months
View
▼
APR4.49%
Term36 Months
Last UpdatedMay 6, 2026
Details

As Low As

Lubbock Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Auto Loan
4.49%
48 Months
View
▼
APR4.49%
Term48 Months
Last UpdatedMay 6, 2026
Details

Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
New Vehicle
4.49%
Up to 48 Months
View
▼
APR4.49%
TermUp to 48 Months
Last UpdatedMay 7, 2026
Details

Domino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New and Used Autos
4.49%
72 Months
View
▼
APR4.49%
Term72 Months
Last UpdatedMay 7, 2026
Details

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
4.49%
Up to 60 months
View
▼
APR4.49%
TermUp to 60 months
Last UpdatedMay 7, 2026
Details

As Low As

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
4.49%
24 Months
View
▼
APR4.49%
Term24 Months
Last UpdatedMay 10, 2026
Details

As Low As

Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.59%
2026 New Vehicles & Newer
4.49%
Up to 48-54 Months
View
▼
APR4.49%
TermUp to 48-54 Months
Last UpdatedMay 10, 2026
Details

US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
NEW Autos Up to 60 Months
4.49%
60 Months
View
▼
APR4.49%
Term60 Months
Last UpdatedMay 10, 2026
Details

As Low As

Access Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.15%
New Vehicles - 5 years and newer**
4.49%
24 to 36
View
▼
APR4.49%
Term24 to 36
Last UpdatedMay 10, 2026
Details

Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.83%
New and Used Vehicles
4.49%
48 Months
View
▼
APR4.49%
Term48 Months
Last UpdatedMay 12, 2026
Details

As Low As; Up to 48 Months

City Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.07%
New or Used Auto Loans
4.49%
24 Months
View
▼
APR4.49%
Term24 Months
Last UpdatedMay 12, 2026
Details

Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.73%
New Auto Loans
4.49%
72 Months
View
▼
APR4.49%
Term72 Months
Last UpdatedMay 12, 2026
Details

As Low As

Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
New Auto
4.49%
Up to 48 months
View
▼
APR4.49%
TermUp to 48 months
Last UpdatedMay 12, 2026
Details

TEXAS TECH
Institution Rating:
A5.0 ★ Texas Ratio: 8.53%
New Auto Loan
4.49%
48 Months
View
▼
APR4.49%
Term48 Months
Last UpdatedMay 12, 2026
Details

Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Cars and Trucks
4.50%
48 Months
View
▼
APR4.50%
Term48 Months
Last UpdatedMay 6, 2026
Details

Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
New Auto Loan
4.50%
72 Months
View
▼
APR4.50%
Term72 Months
Last UpdatedMay 6, 2026
Details

As Low As

Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
New & Used Auto
4.50%
48 Months
View
▼
APR4.50%
Term48 Months
Last UpdatedMay 6, 2026
Details

As Low As

Port Arthur Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
New Car
4.50%
60 Months
View
▼
APR4.50%
Term60 Months
Last UpdatedMay 6, 2026
Details

up to 60 month financing available

Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
New Automobile Loan
4.50%
37 - 48
View
▼
APR4.50%
Term37 - 48
Last UpdatedMay 7, 2026
Details

As Low As

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
New Auto Loan
4.50%
60 Months
View
▼
APR4.50%
Term60 Months
Last UpdatedMay 7, 2026
Details

As Low As; Qualifying rate - Conditions apply

Concho Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.64%
New Auto
4.50%
48 Months
View
▼
APR4.50%
Term48 Months
Last UpdatedMay 12, 2026
Details

As Low As; Maximum Loan: 100%

MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
New Auto Loans
4.50%
49-60
View
▼
APR4.50%
Term49-60
Last UpdatedMay 12, 2026
Details

Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.48%
New And Used Autos
4.54%
49 - 60
View
▼
APR4.54%
Term49 - 60
Last UpdatedMay 6, 2026
Details

As Low As

Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
New Autos
4.54%
71 Months
View
▼
APR4.54%
Term71 Months
Last UpdatedMay 12, 2026
Details

As Low As; Fewer than 7,500 miles

Libertyone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.98%
New and Used Automobiles
4.55%
24 months
View
▼
APR4.55%
Term24 months
Last UpdatedMay 10, 2026
Details

Centex Citizens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.76%
New Vehicles 22025 and Newer
4.59%
36 Months
View
▼
APR4.59%
Term36 Months
Last UpdatedMay 10, 2026
Details

As Low As

Keystone Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.48%
New Vehicle
4.59%
60 Months
View
▼
APR4.59%
Term60 Months
Last UpdatedMay 12, 2026
Details

Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.48%
New And Used Autos
4.64%
37 - 48
View
▼
APR4.64%
Term37 - 48
Last UpdatedMay 6, 2026
Details

As Low As

Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New & Used Autos
4.64%
66 - 74 Months
View
▼
APR4.64%
Term66 - 74 Months
Last UpdatedMay 6, 2026
Details

As Low As

Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
New Vehicle
4.64%
Up to 60 Months
View
▼
APR4.64%
TermUp to 60 Months
Last UpdatedMay 7, 2026
Details

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
New Auto
4.64%
Up to 63 Months
View
▼
APR4.64%
TermUp to 63 Months
Last UpdatedMay 10, 2026
Details

Centex Citizens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.76%
New Vehicles 22025-2027
4.64%
75 Months
View
▼
APR4.64%
Term75 Months
Last UpdatedMay 10, 2026
Details

As Low As

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
875 W Whitestone Blvd, Cedar Park, TX, 78613
Pre-Owned Auto
4.49%
36-month
View
▼
APR4.49%
Term36-month
Last UpdatedMay 12, 2026
Details

As Low As

Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
875 W Whitestone Blvd, Cedar Park, TX, 78613
Pre-Owned Auto
4.74%
60-month
View
▼
APR4.74%
Term60-month
Last UpdatedMay 12, 2026
Details

As Low As

Amplify Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
5001 183A Toll Rd Ste 500, Cedar Park, TX, 78613 7903
Auto Loan (New/Used)
4.80%
0 - 48 Months
View
▼
APR4.80%
Term0 - 48 Months
Last UpdatedMay 12, 2026
Details

As Low As

Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
875 W Whitestone Blvd, Cedar Park, TX, 78613
Pre-Owned Auto
4.99%
72-month
View
▼
APR4.99%
Term72-month
Last UpdatedMay 12, 2026
Details

As Low As

Amplify Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
5001 183A Toll Rd Ste 500, Cedar Park, TX, 78613 7903
Auto Loan (New/Used)
5.00%
49 - 66 Months
View
▼
APR5.00%
Term49 - 66 Months
Last UpdatedMay 12, 2026
Details

As Low As

Velocity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.01%
1230 E New Hope Dr, Cedar Park, TX, 78613
Used Autos
5.04%
66 Months
View
▼
APR5.04%
Term66 Months
Last UpdatedMay 12, 2026
Details

As Low As; with Member Rewards†

Amplify Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
5001 183A Toll Rd Ste 500, Cedar Park, TX, 78613 7903
Auto Loan (New/Used)
5.20%
67 - 75 Months
View
▼
APR5.20%
Term67 - 75 Months
Last UpdatedMay 12, 2026
Details

As Low As

Velocity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.01%
1230 E New Hope Dr, Cedar Park, TX, 78613
Used Autos
5.24%
75 Months
View
▼
APR5.24%
Term75 Months
Last UpdatedMay 12, 2026
Details

As Low As; with Member Rewards†

Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
875 W Whitestone Blvd, Cedar Park, TX, 78613
Pre-Owned Auto
5.99%
84-month
View
▼
APR5.99%
Term84-month
Last UpdatedMay 12, 2026
Details

As Low As

Amplify Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
5001 183A Toll Rd Ste 500, Cedar Park, TX, 78613 7903
Auto Loan (New/Used)
6.00%
76 - 84 Months
View
▼
APR6.00%
Term76 - 84 Months
Last UpdatedMay 12, 2026
Details

As Low As

Velocity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.01%
1230 E New Hope Dr, Cedar Park, TX, 78613
Used Autos
6.09%
84 Months
View
▼
APR6.09%
Term84 Months
Last UpdatedMay 12, 2026
Details

As Low As; with Member Rewards†

IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
Pre-Owned (Used) Automobile (UA)
2.95%
0-36
View
▼
APR2.95%
Term0-36
Last UpdatedMay 7, 2026
Details

Grade: A+ (800+)

Lubrizol Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
New & Used Automobile
3.24%
24 Months
View
▼
APR3.24%
Term24 Months
Last UpdatedMay 10, 2026
Details

Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
New and Pre-Owned Autos
3.24%
12-36
View
▼
APR3.24%
Term12-36
Last UpdatedMay 12, 2026
Details

As Low As

Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New & Used Autos
3.39%
Up to 36 Months
View
▼
APR3.39%
TermUp to 36 Months
Last UpdatedMay 6, 2026
Details

As Low As

Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
Used Autos
3.49%
36 Months
View
▼
APR3.49%
Term36 Months
Last UpdatedMay 12, 2026
Details

As Low As; Fewer than 100,000 miles

Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
Used Auto Loan
3.50%
36 Months
View
▼
APR3.50%
Term36 Months
Last UpdatedMay 6, 2026
Details

As Low As; All model years, Up to 36 months

Victoria City County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.81%
New & Used Auto Loans
3.58%
36 to 72 Months
View
▼
APR3.58%
Term36 to 72 Months
Last UpdatedMay 7, 2026
Details

MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
New & Used - Automobiles Year Models - 2020 & Newer
3.73%
Up to 36 Months
View
▼
APR3.73%
TermUp to 36 Months
Last UpdatedMay 12, 2026
Details

As Low As

Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
Used Auto Loan
3.75%
48 Months
View
▼
APR3.75%
Term48 Months
Last UpdatedMay 6, 2026
Details

As Low As; All model years, Up to 48 months

MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
New & Used - Automobiles Year Models - 2021 & Newer
3.80%
37 - 48 Months
View
▼
APR3.80%
Term37 - 48 Months
Last UpdatedMay 12, 2026
Details

As Low As

MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
New & Used - Automobiles Year Models - 2022 & Newer
3.86%
49 - 60 Months
View
▼
APR3.86%
Term49 - 60 Months
Last UpdatedMay 12, 2026
Details

As Low As

Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New & Used Autos
3.89%
37-48 Months
View
▼
APR3.89%
Term37-48 Months
Last UpdatedMay 6, 2026
Details

As Low As

MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
New & Used - Automobiles Year Models - 2023 & Newer
3.92%
61 - 72 Months
View
▼
APR3.92%
Term61 - 72 Months
Last UpdatedMay 12, 2026
Details

As Low As

Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
Auto Loans - Used & New
3.94%
0-36
View
▼
APR3.94%
Term0-36
Last UpdatedMay 12, 2026
Details

As Low As

IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
Pre-Owned (Used) Automobile (UA)
3.95%
37-60
View
▼
APR3.95%
Term37-60
Last UpdatedMay 7, 2026
Details

Grade: A+ (800+)

Domino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New and Used Autos
3.95%
36 Months
View
▼
APR3.95%
Term36 Months
Last UpdatedMay 7, 2026
Details

MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
New & Used - Automobiles Year Models - 2025 & Newer
3.98%
73 - 84 Months
View
▼
APR3.98%
Term73 - 84 Months
Last UpdatedMay 12, 2026
Details

As Low As

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
Used Auto Loan
3.99%
36 Months
View
▼
APR3.99%
Term36 Months
Last UpdatedMay 7, 2026
Details

As Low As; (Up to 5 Years old / 2021+)

Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
Used or Refinanced Car Loans
3.99%
36 Months
View
▼
APR3.99%
Term36 Months
Last UpdatedMay 12, 2026
Details

As Low As

Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
Used Auto Loan
4.00%
60 Months
View
▼
APR4.00%
Term60 Months
Last UpdatedMay 6, 2026
Details

As Low As; 2020 & newer, Up to 60 months

Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
New & Used Auto
4.00%
36 Months
View
▼
APR4.00%
Term36 Months
Last UpdatedMay 6, 2026
Details

As Low As

1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.28%
Used Automobiles & Light Trucks
4.00%
36 Months
View
▼
APR4.00%
Term36 Months
Last UpdatedMay 6, 2026
Details

As Low As

Concho Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.64%
Used Autos
4.00%
24 Months
View
▼
APR4.00%
Term24 Months
Last UpdatedMay 12, 2026
Details

As Low As; Maximum Loan: NADA RETAIL VALUE

PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.71%
Auto Loans (New & Used)
4.05%
36 Months
View
▼
APR4.05%
Term36 Months
Last UpdatedMay 6, 2026
Details

As Low As; 2019-2025 Model Years

Mesquite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.76%
New and Used Vehicles
4.10%
Up to 72 Months
View
▼
APR4.10%
TermUp to 72 Months
Last UpdatedMay 12, 2026
Details

As Low As

Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
Auto Loans - Used & New
4.14%
49-60
View
▼
APR4.14%
Term49-60
Last UpdatedMay 12, 2026
Details

As Low As

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Used Auto
4.24%
Up to 36 Months
View
▼
APR4.24%
TermUp to 36 Months
Last UpdatedMay 7, 2026
Details

As Low As

Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.59%
2023-2025 Used Vehicles
4.24%
Up to 48 Months
View
▼
APR4.24%
TermUp to 48 Months
Last UpdatedMay 10, 2026
Details

Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
Used Automobile Loan
4.25%
Up to 36
View
▼
APR4.25%
TermUp to 36
Last UpdatedMay 7, 2026
Details

As Low As

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
Used Auto Loan
4.25%
48 Months
View
▼
APR4.25%
Term48 Months
Last UpdatedMay 7, 2026
Details

As Low As; (Up to 5 Years old / 2021+)

US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
USED Autos Up to 36 Months
4.25%
36 Months
View
▼
APR4.25%
Term36 Months
Last UpdatedMay 10, 2026
Details

As Low As

MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
Used Auto Loans
4.25%
0-24
View
▼
APR4.25%
Term0-24
Last UpdatedMay 12, 2026
Details

Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
Auto Loans - Used & New
4.29%
61-72
View
▼
APR4.29%
Term61-72
Last UpdatedMay 12, 2026
Details

As Low As

Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
Used Autos
4.29%
48 Months
View
▼
APR4.29%
Term48 Months
Last UpdatedMay 12, 2026
Details

As Low As; Fewer than 100,000 miles

Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
New & Used Vehicles
4.35%
60 Months
View
▼
APR4.35%
Term60 Months
Last UpdatedMay 7, 2026
Details

As Low As

Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.48%
New And Used Autos
4.39%
Up to 36
View
▼
APR4.39%
TermUp to 36
Last UpdatedMay 6, 2026
Details

As Low As

Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New & Used Autos
4.39%
49 - 65 Months
View
▼
APR4.39%
Term49 - 65 Months
Last UpdatedMay 6, 2026
Details

As Low As

Southwest Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.40%
Used Auto
4.39%
72 Months
View
▼
APR4.39%
Term72 Months
Last UpdatedMay 7, 2026
Details

As Low As

Swemp Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
Pre-Owned Autos
4.45%
84 Months
View
▼
APR4.45%
Term84 Months
Last UpdatedMay 6, 2026
Details

As Low As; * As Low As (Based On Credit Score And Loan Term)

Texasgulf Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.70%
New or used vehicle
4.49%
36 Months
View
▼
APR4.49%
Term36 Months
Last UpdatedMay 6, 2026
Details

As Low As

Domino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New and Used Autos
4.49%
72 Months
View
▼
APR4.49%
Term72 Months
Last UpdatedMay 7, 2026
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
4.49%
24 Months
View
▼
APR4.49%
Term24 Months
Last UpdatedMay 10, 2026
Details

As Low As

Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.59%
2023-2025 Used Vehicles
4.49%
Up to 72 Months
View
▼
APR4.49%
TermUp to 72 Months
Last UpdatedMay 10, 2026
Details

Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.83%
New and Used Vehicles
4.49%
48 Months
View
▼
APR4.49%
Term48 Months
Last UpdatedMay 12, 2026
Details

As Low As; Up to 48 Months

City Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.07%
New or Used Auto Loans
4.49%
24 Months
View
▼
APR4.49%
Term24 Months
Last UpdatedMay 12, 2026
Details

Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.73%
Auto Loans Used
4.49%
54 Months
View
▼
APR4.49%
Term54 Months
Last UpdatedMay 12, 2026
Details

As Low As

Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
Used or Refinanced Car Loans
4.49%
48 Months
View
▼
APR4.49%
Term48 Months
Last UpdatedMay 12, 2026
Details

As Low As

Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Cars and Trucks
4.50%
36 Months
View
▼
APR4.50%
Term36 Months
Last UpdatedMay 6, 2026
Details

Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
Used Auto Loan
4.50%
72 Months
View
▼
APR4.50%
Term72 Months
Last UpdatedMay 6, 2026
Details

As Low As; 2022 & newer, Up to 72 months

Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
New & Used Auto
4.50%
48 Months
View
▼
APR4.50%
Term48 Months
Last UpdatedMay 6, 2026
Details

As Low As

Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
Used Automobile Loan
4.50%
37 - 48 Months
View
▼
APR4.50%
Term37 - 48 Months
Last UpdatedMay 7, 2026
Details

As Low As

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
Used Auto Loan
4.50%
60 Months
View
▼
APR4.50%
Term60 Months
Last UpdatedMay 7, 2026
Details

As Low As; (Up to 5 Years old / 2021+)

US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
USED Autos Up to 48 Months
4.50%
48 Months
View
▼
APR4.50%
Term48 Months
Last UpdatedMay 10, 2026
Details

As Low As

MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
Used Auto Loans
4.50%
49-60
View
▼
APR4.50%
Term49-60
Last UpdatedMay 12, 2026
Details

Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.48%
New And Used Autos
4.54%
49 - 60
View
▼
APR4.54%
Term49 - 60
Last UpdatedMay 6, 2026
Details

As Low As

Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
Used Autos
4.54%
71 Months
View
▼
APR4.54%
Term71 Months
Last UpdatedMay 12, 2026
Details

As Low As; Fewer than 100,000 miles

Libertyone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.98%
New and Used Automobiles
4.55%
24 months
View
▼
APR4.55%
Term24 months
Last UpdatedMay 10, 2026
Details

White Sands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.21%
Used Auto Loan
4.59%
72 Months
View
▼
APR4.59%
Term72 Months
Last UpdatedMay 6, 2026
Details

As Low As; Loyalty Plus & Online Application Discount

Cherokee County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.87%
Used Car Loan
4.60%
72 Months
View
▼
APR4.60%
Term72 Months
Last UpdatedMay 6, 2026
Details

Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.48%
New And Used Autos
4.64%
37 - 48
View
▼
APR4.64%
Term37 - 48
Last UpdatedMay 6, 2026
Details

As Low As

Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New & Used Autos
4.64%
66 - 74 Months
View
▼
APR4.64%
Term66 - 74 Months
Last UpdatedMay 6, 2026
Details

As Low As

Cedar Park, TX Auto Loan Rate Trends

Compare local Cedar Park, TX 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.

View Full Texas Auto Trends →
New Auto Loan — TX Avg
5.713%
▲ 0.258 vs 7 days ago

Texas new auto rates rose 0.258 points over the past 7 days to 5.713% APR.

Used Auto Loan — TX Avg
5.810%
▲ 0.061 vs 7 days ago

Texas used auto rates rose 0.061 points over the past 7 days to 5.810% APR.

As of May 15, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Frequently Asked Questions about Auto Loans in Cedar Park, 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 Cedar Park, 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 Cedar Park, 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 Cedar Park, Texas?

Based on our current data, some of the lowest auto loan rates available in Cedar Park, Texas include:
  • Texell Credit Union: 3.99% (New Auto)
  • Amplify Credit Union: 4.80% (Auto Loan (New/Used))
  • University Federal Credit Union: 4.99% (Auto Loan)
  • Velocity Credit Union: 5.04% (New Autos with Member Rewards)
  • GREATER TEXAS: 5.51% (Auto Loans (2024 and Newer))
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Cedar Park, Texas. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 12, 2026

Cedar Park, Texas Rates & Resources

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