Auto Loan Rates in Katy, Texas (TX) for July 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
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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 Katy, Texas. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Katy, Texas include Members Choice Credit UnionMembers Choice Credit Union3770 Fry Rd, Katy, TX, 77449 6728A5.0 ★Texas Ratio: 7.88% offering New and Pre-Owned Autos at 3.24%, Texas Bay Credit UnionTexas Bay Credit Union4747 FM 1463 Rd Ste 1000, Katy, TX, 77494A5.0 ★Texas Ratio: 7.72% offering Used & New Auto Loans at 3.94%, Smart Financial Credit UnionSmart Financial Credit Union6727 FM 1463 Rd Ste 100, Katy, TX, 77494A5.0 ★Texas Ratio: 9.36% offering New Auto at 3.99%, Brazos Valley Schools Credit UnionBrazos Valley Schools Credit Union25525 Katy Mills Pkwy, Katy, TX, 77494A+5.0 ★Texas Ratio: 4.27% offering 2023-2025 Used Vehicles Loan at 4.24%, Energy Capital Credit UnionEnergy Capital Credit Union3211 Peek Rd, Katy, TX, 77449A5.0 ★Texas Ratio: 7.19% offering New Autos at 4.50%. Auto loan rates as of July 16, 2026 according to verified data from MonitorBankRates.
Katy has 8 local institutions in our database, with auto loan rates as low as 3.24% APR from Members Choice Credit Union at 3770 Fry Rd, Katy, TX, 77449 6728. 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 Katy, Texas. Auto Loan Rates Last Updated and Verified: July 16, 2026
Compare Auto Loan Rates Today in Katy, Texas & Surrounding Area
Katy Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
3770 Fry Rd, Katy, TX, 77449 6728
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.
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
4747 FM 1463 Rd Ste 1000, Katy, TX, 77494
Used & New Auto Loans
3.94%
0-36 months
▼
APR3.94%
Term0-36 months
Last UpdatedJul 7, 2026
Details
As Low As; *
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
6727 FM 1463 Rd Ste 100, Katy, TX, 77494
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%
6727 FM 1463 Rd Ste 100, Katy, TX, 77494
New Auto Loan
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedJul 11, 2026
Details
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
4747 FM 1463 Rd Ste 1000, Katy, TX, 77494
Used & New Auto Loans
4.14%
49-60 months
▼
APR4.14%
Term49-60 months
Last UpdatedJul 7, 2026
Details
As Low As; *
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
25525 Katy Mills Pkwy, Katy, TX, 77494
2023-2025 Used Vehicles Loan
4.24%
Up to 48 Months
▼
APR4.24%
TermUp to 48 Months
Last UpdatedJul 16, 2026
Details
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
4747 FM 1463 Rd Ste 1000, Katy, TX, 77494
Used & New Auto Loans
4.29%
61-72 months
▼
APR4.29%
Term61-72 months
Last UpdatedJul 7, 2026
Details
As Low As; *
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
6727 FM 1463 Rd Ste 100, Katy, TX, 77494
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%
6727 FM 1463 Rd Ste 100, Katy, TX, 77494
New Auto Loan
4.49%
Up to 48 months
▼
APR4.49%
TermUp to 48 months
Last UpdatedJul 11, 2026
Details
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
25525 Katy Mills Pkwy, Katy, TX, 77494
2023-2025 Used Vehicles Loan
4.49%
Up to 72 Months
▼
APR4.49%
TermUp to 72 Months
Last UpdatedJul 16, 2026
Details
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
25525 Katy Mills Pkwy, Katy, TX, 77494
2026 New Vehicles & Newer Loan
4.49%
Up to 48-54 Months
▼
APR4.49%
TermUp to 48-54 Months
Last UpdatedJul 16, 2026
Details
Energy Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.19%
3211 Peek Rd, Katy, TX, 77449
New Autos
4.50%
48 - 84 months
▼
APR4.50%
Term48 - 84 months
Last UpdatedJul 16, 2026
Details
As Low As; Current model year
Energy Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.19%
3211 Peek Rd, Katy, TX, 77449
Used Autos
4.50%
48 - 84 months
▼
APR4.50%
Term48 - 84 months
Last UpdatedJul 16, 2026
Details
As Low As
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
25525 Katy Mills Pkwy, Katy, TX, 77494
2019 - 2022 Used Vehicles Loan
4.74%
Up to 48 Months
▼
APR4.74%
TermUp to 48 Months
Last UpdatedJul 16, 2026
Details
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
25525 Katy Mills Pkwy, Katy, TX, 77494
2026 New Vehicles & Newer Loan
4.74%
Up to 60 Months
▼
APR4.74%
TermUp to 60 Months
Last UpdatedJul 16, 2026
Details
ADVANCIAL
Institution Rating:
A+5.0 ★ Texas Ratio: 9.94%
23525 Katy Fwy, Katy, TX, 77494 1334
Auto Loans
4.84%
48 Mo
▼
APR4.84%
Term48 Mo
Last UpdatedJul 16, 2026
Details
As Low As; Savings Over 4 Years $474
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
6727 FM 1463 Rd Ste 100, Katy, TX, 77494
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%
6727 FM 1463 Rd Ste 100, Katy, TX, 77494
New Auto Loan
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedJul 11, 2026
Details
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
25525 Katy Mills Pkwy, Katy, TX, 77494
2019 - 2022 Used Vehicles Loan
4.99%
Up to 60 Months
▼
APR4.99%
TermUp to 60 Months
Last UpdatedJul 16, 2026
Details
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
25525 Katy Mills Pkwy, Katy, TX, 77494
2026 New Vehicles & Newer Loan
4.99%
Up to 72 Months
▼
APR4.99%
TermUp to 72 Months
Last UpdatedJul 16, 2026
Details
ADVANCIAL
Institution Rating:
A+5.0 ★ Texas Ratio: 9.94%
23525 Katy Fwy, Katy, TX, 77494 1334
Auto Loans
5.03%
60 Mo
▼
APR5.03%
Term60 Mo
Last UpdatedJul 16, 2026
Details
As Low As; Savings Over 5 Years $851
SouthState Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
808 Katy Fort Bend Rd, Katy, TX, 77494
Car Loans
5.23%
72 months
▼
APR5.23%
Term72 months
Last UpdatedJul 11, 2026
Details
As Low As; Includes a one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account. Minimum loan amount $4,000; maximum loan amount $150,000. Based on an example loan amount of $42,500 for a term of 72 months with monthly payments of $686.61. Additional fees may apply. Other restrictions may apply. Your actual APR may vary based on creditworthiness, loan amount, loan term and vehicle. Rates, terms and conditions are subject to change based on borrower eligibility and market conditions. All loans are subject to credit approval.
Independent Bank Mckinney, TX
Institution Rating:
A+5.0 ★ Texas Ratio: 2.30%
808 Katy Fort Bend Rd, Katy, TX, 77494
Car Loans
5.23%
72 months
▼
APR5.23%
Term72 months
Last UpdatedJul 14, 2026
Details
As Low As; includes a one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account. Minimum loan amount $4,000; maximum loan amount $150,000. 5.23% APR is based on an example loan amount of $42,500 for a term of 72 months with monthly payments of $686.61. Additional fees may apply. Other restrictions may apply. Your actual APR may vary based on creditworthiness, loan amount, loan term and vehicle. Rates, terms and conditions are subject to change based on borrower eligibility and market conditions. All loans are subject to credit approval.
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
25525 Katy Mills Pkwy, Katy, TX, 77494
2015 - 2018 Used Vehicles Loan
5.24%
Up to 48 Months
▼
APR5.24%
TermUp to 48 Months
Last UpdatedJul 16, 2026
Details
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
4747 FM 1463 Rd Ste 1000, Katy, TX, 77494
Used & New Auto Loans
5.44%
73-84 months
▼
APR5.44%
Term73-84 months
Last UpdatedJul 7, 2026
Details
As Low As; *
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
25525 Katy Mills Pkwy, Katy, TX, 77494
2015 - 2018 Used Vehicles Loan
5.49%
Up to 54 Months
▼
APR5.49%
TermUp to 54 Months
Last UpdatedJul 16, 2026
Details
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
25525 Katy Mills Pkwy, Katy, TX, 77494
2026 New Vehicles & Newer Loan
5.49%
Up to 84 Months
▼
APR5.49%
TermUp to 84 Months
Last UpdatedJul 16, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
6727 FM 1463 Rd Ste 100, Katy, TX, 77494
New Auto
5.99%
Up to 72 months
▼
APR5.99%
TermUp to 72 months
Last UpdatedJul 11, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
6727 FM 1463 Rd Ste 100, Katy, TX, 77494
New Auto Loan
5.99%
Up to 36 months
▼
APR5.99%
TermUp to 36 months
Last UpdatedJul 11, 2026
Details
Rates shown are for new vehicles. Asterisk indicates rates may vary.
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
6727 FM 1463 Rd Ste 100, Katy, TX, 77494
New Auto Loan
5.99%
Up to 72 months
▼
APR5.99%
TermUp to 72 months
Last UpdatedJul 11, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
6727 FM 1463 Rd Ste 100, Katy, TX, 77494
Smart Start Auto Loans
5.99%
Up to 36 months
▼
APR5.99%
TermUp to 36 months
Last UpdatedJul 11, 2026
Details
New Auto APR
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
6727 FM 1463 Rd Ste 100, Katy, TX, 77494
New Auto
6.49%
84 months
▼
APR6.49%
Term84 months
Last UpdatedJul 11, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
6727 FM 1463 Rd Ste 100, Katy, TX, 77494
New Auto Loan
6.49%
Up to 48 months
▼
APR6.49%
TermUp to 48 months
Last UpdatedJul 11, 2026
Details
Rates shown are for new vehicles. Asterisk indicates rates may vary.
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
6727 FM 1463 Rd Ste 100, Katy, TX, 77494
New Auto Loan
6.49%
84 months
▼
APR6.49%
Term84 months
Last UpdatedJul 11, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
6727 FM 1463 Rd Ste 100, Katy, TX, 77494
Smart Start Auto Loans
6.49%
Up to 48 months
▼
APR6.49%
TermUp to 48 months
Last UpdatedJul 11, 2026
Details
New Auto APR
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
6727 FM 1463 Rd Ste 100, Katy, TX, 77494
New Auto Loan
6.74%
Up to 36 months
▼
APR6.74%
TermUp to 36 months
Last UpdatedJul 11, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
6727 FM 1463 Rd Ste 100, Katy, TX, 77494
New Auto Loan
6.99%
Up to 60 months
▼
APR6.99%
TermUp to 60 months
Last UpdatedJul 11, 2026
Details
Rates shown are for new vehicles. Asterisk indicates rates may vary.
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
6727 FM 1463 Rd Ste 100, Katy, TX, 77494
Smart Start Auto Loans
6.99%
Up to 60 months
▼
APR6.99%
TermUp to 60 months
Last UpdatedJul 11, 2026
Details
New Auto APR
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
6727 FM 1463 Rd Ste 100, Katy, TX, 77494
New Auto Loan
7.24%
Up to 48 months
▼
APR7.24%
TermUp to 48 months
Last UpdatedJul 11, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
6727 FM 1463 Rd Ste 100, Katy, TX, 77494
Smart Start Auto Loans
7.49%
Up to 60 months
▼
APR7.49%
TermUp to 60 months
Last UpdatedJul 11, 2026
Details
Used or Refinanced APR
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
6727 FM 1463 Rd Ste 100, Katy, TX, 77494
New Auto Loan
7.74%
Up to 60 months
▼
APR7.74%
TermUp to 60 months
Last UpdatedJul 11, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
6727 FM 1463 Rd Ste 100, Katy, TX, 77494
New Auto Loan
7.99%
Up to 72 months
▼
APR7.99%
TermUp to 72 months
Last UpdatedJul 11, 2026
Details
Rates shown are for new vehicles. Asterisk indicates rates may vary.
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
6727 FM 1463 Rd Ste 100, Katy, TX, 77494
Smart Start Auto Loans
7.99%
Up to 72 months
▼
APR7.99%
TermUp to 72 months
Last UpdatedJul 11, 2026
Details
New Auto APR
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
6727 FM 1463 Rd Ste 100, Katy, TX, 77494
New Auto Loan
8.24%
Up to 72 months
▼
APR8.24%
TermUp to 72 months
Last UpdatedJul 11, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
6727 FM 1463 Rd Ste 100, Katy, TX, 77494
New Auto Loan
8.49%
84 months
▼
APR8.49%
Term84 months
Last UpdatedJul 11, 2026
Details
Rates shown are for new vehicles. Asterisk indicates rates may vary.
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
6727 FM 1463 Rd Ste 100, Katy, TX, 77494
Smart Start Auto Loans
8.49%
84 months
▼
APR8.49%
Term84 months
Last UpdatedJul 11, 2026
Details
New Auto APR
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
6727 FM 1463 Rd Ste 100, Katy, TX, 77494
New Auto Loan
8.74%
Up to 84 months
▼
APR8.74%
TermUp to 84 months
Last UpdatedJul 11, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
6727 FM 1463 Rd Ste 100, Katy, TX, 77494
Smart Start Auto Loans
8.99%
84 months
▼
APR8.99%
Term84 months
Last UpdatedJul 11, 2026
Details
Used or Refinanced APR
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
6727 FM 1463 Rd Ste 100, Katy, TX, 77494
New Auto Loan
9.24%
Up to 96 months
▼
APR9.24%
TermUp to 96 months
Last UpdatedJul 11, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
6727 FM 1463 Rd Ste 100, Katy, TX, 77494
New Auto Loan
9.74%
Up to 120 months
▼
APR9.74%
TermUp to 120 months
Last UpdatedJul 11, 2026
Details
Southern Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
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.
HIGHWAY DISTRICT 21
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
Vehicle Loan
2.50%
36 months
▼
APR2.50%
Term36 months
Last UpdatedJul 16, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
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%
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%
New vehicles Loan
2.99%
0-36 months
▼
APR2.99%
Term0-36 months
Last UpdatedJul 16, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
New vehicles: 0-36 months Loan
2.99%
36 Months
▼
APR2.99%
Term36 Months
Last UpdatedJul 16, 2026
Details
Rates below are based on a minimum credit score of 700.
Lubrizol Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.17%
New & Used Automobile
3.24%
24 Mo to 60 Mo
▼
APR3.24%
Term24 Mo to 60 Mo
Last UpdatedJul 16, 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%
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%
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%
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%
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; *
Star Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.66%
Auto Loans
3.57%
18 - 84 months
▼
APR3.57%
Term18 - 84 months
Last UpdatedJul 11, 2026
Details
Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
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%
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%
New Autos
3.74%
Up to 36 Months
▼
APR3.74%
TermUp to 36 Months
Last UpdatedJul 16, 2026
Details
Fewer than 7,500 miles
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
Used Autos
3.74%
Up to 36 Months
▼
APR3.74%
TermUp to 36 Months
Last UpdatedJul 16, 2026
Details
Fewer than 100,000 miles
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
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%
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%
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.
Americas Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
Auto Loans
3.89%
36 months
▼
APR3.89%
Term36 months
Last UpdatedJul 16, 2026
Details
Fixed-Rate up to 36 months as low as 3.89% APR
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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.
United Heritage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.17%
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%
Repo Vehicle Loans
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedJul 11, 2026
Details
Fixed Rate
Rockdale Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
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
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
NEW Autos Up to 36 Months
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedJul 16, 2026
Details
As Low As; Rates range from 3.99% to 13.00%
Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
Auto Loan
3.99%
up to 36 months
▼
APR3.99%
Termup to 36 months
Last UpdatedJul 16, 2026
Details
As Low As; *
Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
Auto Loans
3.99%
up to 36 months
▼
APR3.99%
Termup to 36 months
Last UpdatedJul 16, 2026
Details
As Low As; *
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
New vehicles Loan
3.99%
37-48 months
▼
APR3.99%
Term37-48 months
Last UpdatedJul 16, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
New vehicles: 37-48 months Loan
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedJul 16, 2026
Details
Rates below are based on a minimum credit score of 700.
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
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%
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%
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%
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%
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%
Used Automobiles & Light Trucks
4.00%
36 mos.
▼
APR4.00%
Term36 mos.
Last UpdatedJul 15, 2026
Details
Service 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
New Vehicle Loan
4.00%
up to 94 months
▼
APR4.00%
Termup to 94 months
Last UpdatedJul 16, 2026
Details
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
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%
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%
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%
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
Chocolate Bayou Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
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%
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%
New & Used Autos
4.24%
24 Mos.
▼
APR4.24%
Term24 Mos.
Last UpdatedJul 16, 2026
Details
As Low As; Up to 120% Financing on Approved Credit
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
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%
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
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
NEW Autos Up to 48 Months
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedJul 16, 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%
USED Autos Up to 36 Months
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedJul 16, 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%
New Auto Loans
4.25%
0-24 months
▼
APR4.25%
Term0-24 months
Last UpdatedJul 16, 2026
Details
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
Used Auto Loans
4.25%
0-24 months
▼
APR4.25%
Term0-24 months
Last UpdatedJul 16, 2026
Details
DuGood Federal Credit Union
Institution Rating:
F2.8 ★ Texas Ratio: 0.47%
Auto Loan
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedJul 16, 2026
Details
Vehicle Age: Up to 2026
The Peoples Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.36%
New & Used Vehicles Loan
4.29%
3 yrs*
▼
APR4.29%
Term3 yrs*
Last UpdatedJul 15, 2026
Details
As low as; Rate includes both discounts
Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
Auto Loan
4.29%
up to 48 months
▼
APR4.29%
Termup to 48 months
Last UpdatedJul 16, 2026
Details
As Low As
Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
Auto Loans
4.29%
up to 48 months
▼
APR4.29%
Termup to 48 months
Last UpdatedJul 16, 2026
Details
As Low As
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
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%
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%
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%
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%
Used Auto
4.39%
Up to 72 months
▼
APR4.39%
TermUp to 72 months
Last UpdatedJul 15, 2026
Details
As Low As; *
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
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%
NEW Auto Loan
4.40%
Up to 36 months
▼
APR4.40%
TermUp to 36 months
Last UpdatedJul 15, 2026
Details
As Low As
Americas Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
New and Used Auto Loans
4.40%
60-Months
▼
APR4.40%
Term60-Months
Last UpdatedJul 16, 2026
Details
As Low As
Chocolate Bayou Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
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%
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%
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%
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%
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%
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%
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%
Autos 2026-2022: 49-63 months
4.49%
63 Months
▼
APR4.49%
Term63 Months
Last UpdatedJul 6, 2026
Details
As Low As; *
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
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%
New Auto Loans
4.49%
72 months
▼
APR4.49%
Term72 months
Last UpdatedJul 7, 2026
Details
As Low As; New Auto Loans
Unity One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.61%
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;*
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
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%
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.
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New & Used Autos
4.49%
48 Mos.
▼
APR4.49%
Term48 Mos.
Last UpdatedJul 16, 2026
Details
As Low As; Up to 120% Financing on Approved Credit
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New and Used Auto Loans
4.49%
60 months
▼
APR4.49%
Term60 months
Last UpdatedJul 16, 2026
Details
As Low As; Promotional Rate
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
NEW Autos Up to 60 Months
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedJul 16, 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%
New Vehicle Loan
4.49%
60 months
▼
APR4.49%
Term60 months
Last UpdatedJul 16, 2026
Details
As Low As; Up to 125% of MSRP with approved credit.
Access Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.08%
New Vehicles - 5 years and newer Loan
4.49%
24 to 36 months
▼
APR4.49%
Term24 to 36 months
Last UpdatedJul 16, 2026
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
Auto Loan
4.49%
up to 60 months
▼
APR4.49%
Termup to 60 months
Last UpdatedJul 16, 2026
Details
As Low As
Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
Auto Loans
4.49%
up to 60 months
▼
APR4.49%
Termup to 60 months
Last UpdatedJul 16, 2026
Details
As Low As
City Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
New or Used Auto Loans
4.49%
24 months
▼
APR4.49%
Term24 months
Last UpdatedJul 16, 2026
Details
APR4.49%
TermUp to 48 mo.
Last UpdatedJul 16, 2026
Details
All rates presented are APR (Annual Percentage Rate). Fixed rates.
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
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%
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%
New Auto
4.50%
48 months
▼
APR4.50%
Term48 months
Last UpdatedJul 7, 2026
Details
As Low As; Maximum Loan: 100%
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
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%
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%
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%
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%
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%
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%
New Auto(Max Term 72m)/Used Auto(Max Term 60m)
4.50%
36mm
▼
APR4.50%
Term36mm
Last UpdatedJul 15, 2026
Details
Edinburg Teachers Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
Auto Loan
4.50%
60 months
▼
APR4.50%
Term60 months
Last UpdatedJul 16, 2026
Details
All APPROVED loans are eligible for this rate! Terms and conditions apply. OFFER EXTENDED THROUGH JULY 31, 2026
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
USED Autos Up to 48 Months
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedJul 16, 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%
New Auto Loans
4.50%
49-60 months
▼
APR4.50%
Term49-60 months
Last UpdatedJul 16, 2026
Details
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
Used Auto Loans
4.50%
49-60 months
▼
APR4.50%
Term49-60 months
Last UpdatedJul 16, 2026
Details
APR4.50%
Term48 months
Last UpdatedJul 16, 2026
Details
As Low As; Advertised rate is for a 48-month term and includes discounts of 0.25% for Auto Pay from the lowest rate of 4.75%.
DuGood Federal Credit Union
Institution Rating:
F2.8 ★ Texas Ratio: 0.47%
Auto Loan
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedJul 16, 2026
Details
Vehicle Age: 2022-2026
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
New Autos
4.54%
48 Months
▼
APR4.54%
Term48 Months
Last UpdatedJul 16, 2026
Details
Fewer than 7,500 miles
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
Used Autos
4.54%
48 Months
▼
APR4.54%
Term48 Months
Last UpdatedJul 16, 2026
Details
Fewer than 100,000 miles
Libertyone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.81%
New and Used Automobiles
4.55%
24 months
▼
APR4.55%
Term24 months
Last UpdatedJul 16, 2026
Details
One Source Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
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%
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%
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%
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%
Used Auto
4.59%
Up to 60 months
▼
APR4.59%
TermUp to 60 months
Last UpdatedJul 15, 2026
Details
GECU Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.28%
Auto Loan
4.59%
66 Months
▼
APR4.59%
Term66 Months
Last UpdatedJul 16, 2026
Details
As Low As; Now-September 8
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
Used Auto Loans - Cars and Light Trucks 2019
4.60%
1 - 54 months
▼
APR4.60%
Term1 - 54 months
Last UpdatedJul 15, 2026
Details
DuGood Federal Credit Union
Institution Rating:
F2.8 ★ Texas Ratio: 0.47%
Auto Loan
4.60%
66 Months
▼
APR4.60%
Term66 Months
Last UpdatedJul 16, 2026
Details
Vehicle Age: 2023-2026
Centex Citizens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
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%
Used Vehicle Loan
4.64%
Up to 60 Months
▼
APR4.64%
TermUp to 60 Months
Last UpdatedJul 15, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
New Auto
4.64%
Up to 63 Months
▼
APR4.64%
TermUp to 63 Months
Last UpdatedJul 16, 2026
Details
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
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%
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%
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%
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%
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%
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%
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%
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.
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
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%
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%
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
APR4.74%
Term60 mo.
Last UpdatedJul 16, 2026
Details
All rates presented are APR (Annual Percentage Rate). Fixed rates.
APR4.74%
TermUp to 48 mo.
Last UpdatedJul 16, 2026
Details
All rates presented are APR (Annual Percentage Rate). Fixed rates.
Concho Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New Auto
4.75%
60 months
▼
APR4.75%
Term60 months
Last UpdatedJul 7, 2026
Details
As Low As; Maximum Loan: 100%
Healthcare Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
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%
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%
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%
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%
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%
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%
New & Used Vehicles - 72 months Loan
4.75%
72 months
▼
APR4.75%
Term72 months
Last UpdatedJul 15, 2026
Details
As Low As
Libertyone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.81%
New and Used Automobiles
4.75%
36 months
▼
APR4.75%
Term36 months
Last UpdatedJul 16, 2026
Details
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
NEW Autos Up to 72 Months
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedJul 16, 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%
USED Autos Up to 60 Months
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedJul 16, 2026
Details
As Low As; Rates range from 4.75% to 14.75%
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 15.58%
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.
Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
Auto Loan
4.79%
up to 66 months
▼
APR4.79%
Termup to 66 months
Last UpdatedJul 16, 2026
Details
As Low As
Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
Auto Loans
4.79%
up to 66 months
▼
APR4.79%
Termup to 66 months
Last UpdatedJul 16, 2026
Details
As Low As
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
New Autos
4.79%
71 Months
▼
APR4.79%
Term71 Months
Last UpdatedJul 16, 2026
Details
Fewer than 7,500 miles
Powered by
MonitorBankRates
Katy New Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
3770 Fry Rd, Katy, TX, 77449 6728
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.
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
4747 FM 1463 Rd Ste 1000, Katy, TX, 77494
Used & New Auto Loans
3.94%
0-36 months
▼
APR3.94%
Term0-36 months
Last UpdatedJul 7, 2026
Details
As Low As; *
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
6727 FM 1463 Rd Ste 100, Katy, TX, 77494
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%
6727 FM 1463 Rd Ste 100, Katy, TX, 77494
New Auto Loan
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedJul 11, 2026
Details
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
4747 FM 1463 Rd Ste 1000, Katy, TX, 77494
Used & New Auto Loans
4.14%
49-60 months
▼
APR4.14%
Term49-60 months
Last UpdatedJul 7, 2026
Details
As Low As; *
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
4747 FM 1463 Rd Ste 1000, Katy, TX, 77494
Used & New Auto Loans
4.29%
61-72 months
▼
APR4.29%
Term61-72 months
Last UpdatedJul 7, 2026
Details
As Low As; *
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
6727 FM 1463 Rd Ste 100, Katy, TX, 77494
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%
6727 FM 1463 Rd Ste 100, Katy, TX, 77494
New Auto Loan
4.49%
Up to 48 months
▼
APR4.49%
TermUp to 48 months
Last UpdatedJul 11, 2026
Details
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
25525 Katy Mills Pkwy, Katy, TX, 77494
2026 New Vehicles & Newer Loan
4.49%
Up to 48-54 Months
▼
APR4.49%
TermUp to 48-54 Months
Last UpdatedJul 16, 2026
Details
Energy Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.19%
3211 Peek Rd, Katy, TX, 77449
New Autos
4.50%
48 - 84 months
▼
APR4.50%
Term48 - 84 months
Last UpdatedJul 16, 2026
Details
As Low As; Current model year
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
25525 Katy Mills Pkwy, Katy, TX, 77494
2026 New Vehicles & Newer Loan
4.74%
Up to 60 Months
▼
APR4.74%
TermUp to 60 Months
Last UpdatedJul 16, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
6727 FM 1463 Rd Ste 100, Katy, TX, 77494
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%
6727 FM 1463 Rd Ste 100, Katy, TX, 77494
New Auto Loan
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedJul 11, 2026
Details
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
25525 Katy Mills Pkwy, Katy, TX, 77494
2026 New Vehicles & Newer Loan
4.99%
Up to 72 Months
▼
APR4.99%
TermUp to 72 Months
Last UpdatedJul 16, 2026
Details
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
4747 FM 1463 Rd Ste 1000, Katy, TX, 77494
Used & New Auto Loans
5.44%
73-84 months
▼
APR5.44%
Term73-84 months
Last UpdatedJul 7, 2026
Details
As Low As; *
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
25525 Katy Mills Pkwy, Katy, TX, 77494
2026 New Vehicles & Newer Loan
5.49%
Up to 84 Months
▼
APR5.49%
TermUp to 84 Months
Last UpdatedJul 16, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
6727 FM 1463 Rd Ste 100, Katy, TX, 77494
New Auto
5.99%
Up to 72 months
▼
APR5.99%
TermUp to 72 months
Last UpdatedJul 11, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
6727 FM 1463 Rd Ste 100, Katy, TX, 77494
New Auto Loan
5.99%
Up to 36 months
▼
APR5.99%
TermUp to 36 months
Last UpdatedJul 11, 2026
Details
Rates shown are for new vehicles. Asterisk indicates rates may vary.
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
6727 FM 1463 Rd Ste 100, Katy, TX, 77494
New Auto Loan
5.99%
Up to 72 months
▼
APR5.99%
TermUp to 72 months
Last UpdatedJul 11, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
6727 FM 1463 Rd Ste 100, Katy, TX, 77494
New Auto
6.49%
84 months
▼
APR6.49%
Term84 months
Last UpdatedJul 11, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
6727 FM 1463 Rd Ste 100, Katy, TX, 77494
New Auto Loan
6.49%
Up to 48 months
▼
APR6.49%
TermUp to 48 months
Last UpdatedJul 11, 2026
Details
Rates shown are for new vehicles. Asterisk indicates rates may vary.
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
6727 FM 1463 Rd Ste 100, Katy, TX, 77494
New Auto Loan
6.49%
84 months
▼
APR6.49%
Term84 months
Last UpdatedJul 11, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
6727 FM 1463 Rd Ste 100, Katy, TX, 77494
New Auto Loan
6.74%
Up to 36 months
▼
APR6.74%
TermUp to 36 months
Last UpdatedJul 11, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
6727 FM 1463 Rd Ste 100, Katy, TX, 77494
New Auto Loan
6.99%
Up to 60 months
▼
APR6.99%
TermUp to 60 months
Last UpdatedJul 11, 2026
Details
Rates shown are for new vehicles. Asterisk indicates rates may vary.
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
6727 FM 1463 Rd Ste 100, Katy, TX, 77494
New Auto Loan
7.24%
Up to 48 months
▼
APR7.24%
TermUp to 48 months
Last UpdatedJul 11, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
6727 FM 1463 Rd Ste 100, Katy, TX, 77494
New Auto Loan
7.74%
Up to 60 months
▼
APR7.74%
TermUp to 60 months
Last UpdatedJul 11, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
6727 FM 1463 Rd Ste 100, Katy, TX, 77494
New Auto Loan
7.99%
Up to 72 months
▼
APR7.99%
TermUp to 72 months
Last UpdatedJul 11, 2026
Details
Rates shown are for new vehicles. Asterisk indicates rates may vary.
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
6727 FM 1463 Rd Ste 100, Katy, TX, 77494
New Auto Loan
8.24%
Up to 72 months
▼
APR8.24%
TermUp to 72 months
Last UpdatedJul 11, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
6727 FM 1463 Rd Ste 100, Katy, TX, 77494
New Auto Loan
8.49%
84 months
▼
APR8.49%
Term84 months
Last UpdatedJul 11, 2026
Details
Rates shown are for new vehicles. Asterisk indicates rates may vary.
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
6727 FM 1463 Rd Ste 100, Katy, TX, 77494
New Auto Loan
8.74%
Up to 84 months
▼
APR8.74%
TermUp to 84 months
Last UpdatedJul 11, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
6727 FM 1463 Rd Ste 100, Katy, TX, 77494
New Auto Loan
9.24%
Up to 96 months
▼
APR9.24%
TermUp to 96 months
Last UpdatedJul 11, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
6727 FM 1463 Rd Ste 100, Katy, TX, 77494
New Auto Loan
9.74%
Up to 120 months
▼
APR9.74%
TermUp to 120 months
Last UpdatedJul 11, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
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%
New vehicles Loan
2.99%
0-36 months
▼
APR2.99%
Term0-36 months
Last UpdatedJul 16, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
New vehicles: 0-36 months Loan
2.99%
36 Months
▼
APR2.99%
Term36 Months
Last UpdatedJul 16, 2026
Details
Rates below are based on a minimum credit score of 700.
Lubrizol Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.17%
New & Used Automobile
3.24%
24 Mo to 60 Mo
▼
APR3.24%
Term24 Mo to 60 Mo
Last UpdatedJul 16, 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%
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%
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%
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; *
Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
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%
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%
New Autos
3.74%
Up to 36 Months
▼
APR3.74%
TermUp to 36 Months
Last UpdatedJul 16, 2026
Details
Fewer than 7,500 miles
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
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.
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
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%
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%
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%
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%
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
United Heritage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.17%
New/Used Auto Loan
3.99%
0 to 36 Months
▼
APR3.99%
Term0 to 36 Months
Last UpdatedJul 11, 2026
Details
As Low As
Rockdale Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
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
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
NEW Autos Up to 36 Months
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedJul 16, 2026
Details
As Low As; Rates range from 3.99% to 13.00%
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
New vehicles Loan
3.99%
37-48 months
▼
APR3.99%
Term37-48 months
Last UpdatedJul 16, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
New vehicles: 37-48 months Loan
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedJul 16, 2026
Details
Rates below are based on a minimum credit score of 700.
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
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%
New Auto
4.00%
36 months
▼
APR4.00%
Term36 months
Last UpdatedJul 7, 2026
Details
As Low As; Maximum Loan: 100%
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
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%
New Automobiles & Light Trucks
4.00%
36 mos.
▼
APR4.00%
Term36 mos.
Last UpdatedJul 15, 2026
Details
Service 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
New Vehicle Loan
4.00%
up to 94 months
▼
APR4.00%
Termup to 94 months
Last UpdatedJul 16, 2026
Details
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
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%
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%
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%
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
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New & Used Autos
4.24%
24 Mos.
▼
APR4.24%
Term24 Mos.
Last UpdatedJul 16, 2026
Details
As Low As; Up to 120% Financing on Approved Credit
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
NEW Autos Up to 48 Months
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedJul 16, 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%
New Auto Loans
4.25%
0-24 months
▼
APR4.25%
Term0-24 months
Last UpdatedJul 16, 2026
Details
The Peoples Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.36%
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%
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%
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%
New Auto
4.39%
Up to 72 months
▼
APR4.39%
TermUp to 72 months
Last UpdatedJul 15, 2026
Details
As Low As; *
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.77%
NEW Auto Loan
4.40%
Up to 36 months
▼
APR4.40%
TermUp to 36 months
Last UpdatedJul 15, 2026
Details
As Low As
Americas Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
New and Used Auto Loans
4.40%
60-Months
▼
APR4.40%
Term60-Months
Last UpdatedJul 16, 2026
Details
As Low As
Cherokee County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.79%
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%
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.
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
New Auto Loans
4.49%
72 months
▼
APR4.49%
Term72 months
Last UpdatedJul 7, 2026
Details
As Low As; New Auto Loans
Border Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
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.
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New & Used Autos
4.49%
48 Mos.
▼
APR4.49%
Term48 Mos.
Last UpdatedJul 16, 2026
Details
As Low As; Up to 120% Financing on Approved Credit
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New and Used Auto Loans
4.49%
60 months
▼
APR4.49%
Term60 months
Last UpdatedJul 16, 2026
Details
As Low As; Promotional Rate
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
NEW Autos Up to 60 Months
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedJul 16, 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%
New Vehicle Loan
4.49%
60 months
▼
APR4.49%
Term60 months
Last UpdatedJul 16, 2026
Details
As Low As; Up to 125% of MSRP with approved credit.
Access Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.08%
New Vehicles - 5 years and newer Loan
4.49%
24 to 36 months
▼
APR4.49%
Term24 to 36 months
Last UpdatedJul 16, 2026
Details
City Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
New or Used Auto Loans
4.49%
24 months
▼
APR4.49%
Term24 months
Last UpdatedJul 16, 2026
Details
APR4.49%
TermUp to 48 mo.
Last UpdatedJul 16, 2026
Details
All rates presented are APR (Annual Percentage Rate). Fixed rates.
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
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%
New Auto
4.50%
48 months
▼
APR4.50%
Term48 months
Last UpdatedJul 7, 2026
Details
As Low As; Maximum Loan: 100%
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
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%
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%
New Auto(Max Term 72m)/Used Auto(Max Term 60m)
4.50%
36mm
▼
APR4.50%
Term36mm
Last UpdatedJul 15, 2026
Details
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
New Auto Loans
4.50%
49-60 months
▼
APR4.50%
Term49-60 months
Last UpdatedJul 16, 2026
Details
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
New Autos
4.54%
48 Months
▼
APR4.54%
Term48 Months
Last UpdatedJul 16, 2026
Details
Fewer than 7,500 miles
Libertyone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.81%
New and Used Automobiles
4.55%
24 months
▼
APR4.55%
Term24 months
Last UpdatedJul 16, 2026
Details
One Source Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
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%
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%
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%
New & Used Vehicles Loan
4.59%
5 yrs*
▼
APR4.59%
Term5 yrs*
Last UpdatedJul 15, 2026
Details
*Rate includes both discounts
Centex Citizens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
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
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
New Auto
4.64%
Up to 63 Months
▼
APR4.64%
TermUp to 63 Months
Last UpdatedJul 16, 2026
Details
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
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%
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.
Keystone Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.20%
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%
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
APR4.74%
Term60 mo.
Last UpdatedJul 16, 2026
Details
All rates presented are APR (Annual Percentage Rate). Fixed rates.
Concho Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New Auto
4.75%
60 months
▼
APR4.75%
Term60 months
Last UpdatedJul 7, 2026
Details
As Low As; Maximum Loan: 100%
Healthcare Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
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%
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%
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%
New & Used Vehicles - 72 months Loan
4.75%
72 months
▼
APR4.75%
Term72 months
Last UpdatedJul 15, 2026
Details
As Low As
Libertyone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.81%
New and Used Automobiles
4.75%
36 months
▼
APR4.75%
Term36 months
Last UpdatedJul 16, 2026
Details
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
NEW Autos Up to 72 Months
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedJul 16, 2026
Details
As Low As; Rates range from 4.75% to 14.75%
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 15.58%
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.
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
New Autos
4.79%
71 Months
▼
APR4.79%
Term71 Months
Last UpdatedJul 16, 2026
Details
Fewer than 7,500 miles
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MonitorBankRates
Katy Used Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
3770 Fry Rd, Katy, TX, 77449 6728
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.
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
4747 FM 1463 Rd Ste 1000, Katy, TX, 77494
Used & New Auto Loans
3.94%
0-36 months
▼
APR3.94%
Term0-36 months
Last UpdatedJul 7, 2026
Details
As Low As; *
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
4747 FM 1463 Rd Ste 1000, Katy, TX, 77494
Used & New Auto Loans
4.14%
49-60 months
▼
APR4.14%
Term49-60 months
Last UpdatedJul 7, 2026
Details
As Low As; *
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
25525 Katy Mills Pkwy, Katy, TX, 77494
2023-2025 Used Vehicles Loan
4.24%
Up to 48 Months
▼
APR4.24%
TermUp to 48 Months
Last UpdatedJul 16, 2026
Details
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
4747 FM 1463 Rd Ste 1000, Katy, TX, 77494
Used & New Auto Loans
4.29%
61-72 months
▼
APR4.29%
Term61-72 months
Last UpdatedJul 7, 2026
Details
As Low As; *
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
25525 Katy Mills Pkwy, Katy, TX, 77494
2023-2025 Used Vehicles Loan
4.49%
Up to 72 Months
▼
APR4.49%
TermUp to 72 Months
Last UpdatedJul 16, 2026
Details
Energy Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.19%
3211 Peek Rd, Katy, TX, 77449
Used Autos
4.50%
48 - 84 months
▼
APR4.50%
Term48 - 84 months
Last UpdatedJul 16, 2026
Details
As Low As
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
25525 Katy Mills Pkwy, Katy, TX, 77494
2019 - 2022 Used Vehicles Loan
4.74%
Up to 48 Months
▼
APR4.74%
TermUp to 48 Months
Last UpdatedJul 16, 2026
Details
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
25525 Katy Mills Pkwy, Katy, TX, 77494
2019 - 2022 Used Vehicles Loan
4.99%
Up to 60 Months
▼
APR4.99%
TermUp to 60 Months
Last UpdatedJul 16, 2026
Details
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
25525 Katy Mills Pkwy, Katy, TX, 77494
2015 - 2018 Used Vehicles Loan
5.24%
Up to 48 Months
▼
APR5.24%
TermUp to 48 Months
Last UpdatedJul 16, 2026
Details
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
4747 FM 1463 Rd Ste 1000, Katy, TX, 77494
Used & New Auto Loans
5.44%
73-84 months
▼
APR5.44%
Term73-84 months
Last UpdatedJul 7, 2026
Details
As Low As; *
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
25525 Katy Mills Pkwy, Katy, TX, 77494
2015 - 2018 Used Vehicles Loan
5.49%
Up to 54 Months
▼
APR5.49%
TermUp to 54 Months
Last UpdatedJul 16, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Pre-Owned (Used) Vehicles A+ (800 Loan
2.95%
0-36 Months
▼
APR2.95%
Term0-36 Months
Last UpdatedJul 15, 2026
Details
Lubrizol Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.17%
New & Used Automobile
3.24%
24 Mo to 60 Mo
▼
APR3.24%
Term24 Mo to 60 Mo
Last UpdatedJul 16, 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%
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%
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; *
Victoria City County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
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%
Used Autos
3.74%
Up to 36 Months
▼
APR3.74%
TermUp to 36 Months
Last UpdatedJul 16, 2026
Details
Fewer than 100,000 miles
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
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%
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.
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
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%
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%
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%
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%
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%
New/Used Auto Loan
3.99%
0 to 36 Months
▼
APR3.99%
Term0 to 36 Months
Last UpdatedJul 11, 2026
Details
As Low As
Concho Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
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%
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%
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%
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%
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%
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
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
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%
New & Used Autos
4.24%
24 Mos.
▼
APR4.24%
Term24 Mos.
Last UpdatedJul 16, 2026
Details
As Low As; Up to 120% Financing on Approved Credit
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
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
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
USED Autos Up to 36 Months
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedJul 16, 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%
Used Auto Loans
4.25%
0-24 months
▼
APR4.25%
Term0-24 months
Last UpdatedJul 16, 2026
Details
The Peoples Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.36%
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%
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%
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%
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%
Used Auto
4.39%
Up to 72 months
▼
APR4.39%
TermUp to 72 months
Last UpdatedJul 15, 2026
Details
As Low As; *
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
Used Auto Loans - Cars and Light Trucks 2021
4.40%
1 - 66 months
▼
APR4.40%
Term1 - 66 months
Last UpdatedJul 15, 2026
Details
Americas Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
New and Used Auto Loans
4.40%
60-Months
▼
APR4.40%
Term60-Months
Last UpdatedJul 16, 2026
Details
As Low As
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
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
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
Used Vehicle Loan
4.49%
Up to 48 Months
▼
APR4.49%
TermUp to 48 Months
Last UpdatedJul 15, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New & Used Autos
4.49%
48 Mos.
▼
APR4.49%
Term48 Mos.
Last UpdatedJul 16, 2026
Details
As Low As; Up to 120% Financing on Approved Credit
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New and Used Auto Loans
4.49%
60 months
▼
APR4.49%
Term60 months
Last UpdatedJul 16, 2026
Details
As Low As; Promotional Rate
City Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
New or Used Auto Loans
4.49%
24 months
▼
APR4.49%
Term24 months
Last UpdatedJul 16, 2026
Details
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Cars and Trucks Loan
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedJul 6, 2026
Details
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
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%
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%
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%
New Auto(Max Term 72m)/Used Auto(Max Term 60m)
4.50%
36mm
▼
APR4.50%
Term36mm
Last UpdatedJul 15, 2026
Details
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
USED Autos Up to 48 Months
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedJul 16, 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%
Used Auto Loans
4.50%
49-60 months
▼
APR4.50%
Term49-60 months
Last UpdatedJul 16, 2026
Details
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
Used Autos
4.54%
48 Months
▼
APR4.54%
Term48 Months
Last UpdatedJul 16, 2026
Details
Fewer than 100,000 miles
Libertyone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.81%
New and Used Automobiles
4.55%
24 months
▼
APR4.55%
Term24 months
Last UpdatedJul 16, 2026
Details
One Source Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
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%
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%
Used Auto
4.59%
Up to 60 months
▼
APR4.59%
TermUp to 60 months
Last UpdatedJul 15, 2026
Details
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
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%
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%
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%
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%
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%
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%
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.
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
Auto Loans Used
4.74%
72 months
▼
APR4.74%
Term72 months
Last UpdatedJul 7, 2026
Details
As Low As; Auto Loans Used
APR4.74%
TermUp to 48 mo.
Last UpdatedJul 16, 2026
Details
All rates presented are APR (Annual Percentage Rate). Fixed rates.
Healthcare Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
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%
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%
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%
New & Used Vehicles - 72 months Loan
4.75%
72 months
▼
APR4.75%
Term72 months
Last UpdatedJul 15, 2026
Details
As Low As
Libertyone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.81%
New and Used Automobiles
4.75%
36 months
▼
APR4.75%
Term36 months
Last UpdatedJul 16, 2026
Details
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
USED Autos Up to 60 Months
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedJul 16, 2026
Details
As Low As; Rates range from 4.75% to 14.75%
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 15.58%
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.
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Katy, TX Auto Loan Rate Trends
Compare local Katy, 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.
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 Katy, 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 Katy, 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 Katy, 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 Katy, 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 Katy, 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 Katy, 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 Katy, Texas?
Based on our current data, some of the lowest auto loan rates available in Katy, Texas include:
- Members Choice Credit Union: 3.24% (New and Pre-Owned Autos)
- Texas Bay Credit Union: 3.94% (Used & New Auto Loans)
- Smart Financial Credit Union: 3.99% (New Auto)
- Brazos Valley Schools Credit Union: 4.24% (2023-2025 Used Vehicles Loan)
- Energy Capital Credit Union: 4.50% (New Autos)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Katy, Texas. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: July 16, 2026
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