Auto Loan Rates in Texas (TX) for May 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Texas. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Texas include IBEW Local 66 Federal Credit UnionIBEW Local 66 Federal Credit Union4345 ALLEN GENOA RD, PASADENA, TX, 77504A+5.0 ★Texas Ratio: 1.98% offering New Automobile (NA) at 2.95%, TEXOMA EDUCATORSTEXOMA EDUCATORS506 W Lamar St, Sherman, TX, 75090 5840A+5.0 ★Texas Ratio: 0.63% offering New vehicles at 2.99%, Members Choice Credit UnionMembers Choice Credit Union18211 Katy Fwy, Houston, TX, 77094 1395A5.0 ★Texas Ratio: 8.54% offering New and Pre-Owned Autos at 3.24%, Lubrizol Employees Credit UnionLubrizol Employees Credit Union205 Center St, Deer Park, TX, 77536 2735A+5.0 ★Texas Ratio: 1.18% offering New & Used Automobile at 3.24%, Baxter Credit UnionBaxter Credit Union7034 Alamo Downs Pkwy, San Antonio, TX, 78238A5.0 ★Texas Ratio: 7.73% offering Auto Loans at 3.24%. Auto loan rates as of May 4, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare auto loan rates across Texas side-by-side. Texas auto loan rates currently start as low as 2.95% APR from IBEW Local 66 Federal Credit Union at 4345 ALLEN GENOA RD, PASADENA, TX, 77504. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Texas. Auto Loan Rates Last Updated and Verified: May 4, 2026
Compare Auto Loan Rates Today in Texas
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
New Automobile (NA)
2.95%
0-36
▼
APR2.95%
Term0-36
Last UpdatedApr 18, 2026
Details
Grade: A+ (800+)
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
Pre-Owned (Used) Automobile (UA)
2.95%
0-36
▼
APR2.95%
Term0-36
Last UpdatedApr 18, 2026
Details
Grade A+ (800+)
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
506 W Lamar St, Sherman, TX, 75090 5840
New vehicles
2.99%
0-36
▼
APR2.99%
Term0-36
Last UpdatedMay 2, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
506 W Lamar St, Sherman, TX, 75090 5840
New vehicles: 0-36 months
2.99%
36 Months
▼
APR2.99%
Term36 Months
Last UpdatedMay 2, 2026
Details
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
18211 Katy Fwy, Houston, TX, 77094 1395
New and Pre-Owned Autos
3.24%
12-36
▼
APR3.24%
Term12-36
Last UpdatedApr 8, 2026
Details
As Low As
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
18211 Katy Fwy, Houston, TX, 77094 1395
New Autos
3.24%
12 - 36
▼
APR3.24%
Term12 - 36
Last UpdatedApr 8, 2026
Details
As Low As
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
18211 Katy Fwy, Houston, TX, 77094 1395
Pre-Owned Autos
3.24%
12 - 36
▼
APR3.24%
Term12 - 36
Last UpdatedApr 8, 2026
Details
As Low As
Lubrizol Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
205 Center St, Deer Park, TX, 77536 2735
New & Used Automobile
3.24%
24 Mo to 60 Mo
▼
APR3.24%
Term24 Mo to 60 Mo
Last UpdatedMay 2, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
7034 Alamo Downs Pkwy, San Antonio, TX, 78238
Auto Loans
3.24%
Auto Buying Service
▼
APR3.24%
TermAuto Buying Service
Last UpdatedMay 2, 2026
Details
As Low As; APR - 2026 & Newer
USE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
400 S Akard St, Dallas, TX, 75202 5324
New & Used Autos
3.49%
72 Months
▼
APR3.49%
Term72 Months
Last UpdatedApr 17, 2026
Details
As Low As
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
2900 Decker Dr, Baytown, TX, 77520 2076
New Autos
3.49%
36 Months
▼
APR3.49%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As; Fewer than 7,500 miles
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
2900 Decker Dr, Baytown, TX, 77520 2076
Used Autos
3.49%
36 Months
▼
APR3.49%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As; Fewer than 100,000 miles
Victoria City County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.81%
205 N Bridge St Ste 111, Victoria, TX, 77901
New & Used Auto Loans
3.67%
36 to 72** Months
▼
APR3.67%
Term36 to 72** Months
Last UpdatedApr 26, 2026
Details
Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
183 E Price Rd, Brownsville, TX, 78521
New Auto Loan
3.70%
75 Months
▼
APR3.70%
Term75 Months
Last UpdatedApr 17, 2026
Details
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2020 & Newer
3.73%
Up to 36 Months
▼
APR3.73%
TermUp to 36 Months
Last UpdatedMay 2, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
American Airlines Credit Union, Fort Worth, TX, 76155
New Auto
3.74%
Up to 36 Months
▼
APR3.74%
TermUp to 36 Months
Last UpdatedApr 27, 2026
Details
As Low As
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2021 & Newer
3.80%
37 - 48 Months
▼
APR3.80%
Term37 - 48 Months
Last UpdatedMay 2, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2022 & Newer
3.86%
49 - 60 Months
▼
APR3.86%
Term49 - 60 Months
Last UpdatedMay 2, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
Americas Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.51%
2154 FOREST LN, GARLAND, TX, 75042
Auto Loans
3.89%
36 Months
▼
APR3.89%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As; Fixed-Rate up to 36 months
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2023 & Newer
3.92%
61 - 72 Months
▼
APR3.92%
Term61 - 72 Months
Last UpdatedMay 2, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
12611 Fuqua St, Houston, TX, 77034
Auto Loans - Used & New
3.94%
0-36
▼
APR3.94%
Term0-36
Last UpdatedApr 19, 2026
Details
As Low As
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
New Automobile (NA)
3.95%
37-60
▼
APR3.95%
Term37-60
Last UpdatedApr 18, 2026
Details
Grade: A+ (800+)
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
Pre-Owned (Used) Automobile (UA)
3.95%
37-60
▼
APR3.95%
Term37-60
Last UpdatedApr 18, 2026
Details
Grade A+ (800+)
Domino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
9978 FM 3129, Queen City, TX, 75572
New and Used Autos
3.95%
Up to 36 Months
▼
APR3.95%
TermUp to 36 Months
Last UpdatedApr 27, 2026
Details
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2025 & Newer
3.98%
73 - 84 Months
▼
APR3.98%
Term73 - 84 Months
Last UpdatedMay 2, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
Houston Highway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
8120 Washington Ave, Houston, TX, 77007
New Vehicle Loan
3.99%
24 - 72+ Months
▼
APR3.99%
Term24 - 72+ Months
Last UpdatedApr 8, 2026
Details
Houston Highway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
8120 Washington Ave, Houston, TX, 77007
Used Vehicle Loan
3.99%
24 - 72+ Months
▼
APR3.99%
Term24 - 72+ Months
Last UpdatedApr 8, 2026
Details
City of Deer Park Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
2005 Center St, Deer Park, TX, 77536
Auto Loan A+
3.99%
0-48
▼
APR3.99%
Term0-48
Last UpdatedApr 18, 2026
Details
TruGrocer Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.15%
1327 Brown Trl, Bedford, TX, 76022 6401
Vehicle Loan
3.99%
24 Months
▼
APR3.99%
Term24 Months
Last UpdatedApr 18, 2026
Details
As Low As; 24 month to 84 month terms
Rockdale Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
1821 W Cameron Ave, Rockdale, TX, 76567
New Vehicles
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedApr 18, 2026
Details
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.73%
13649 Montfort Dr, Dallas, TX, 75240 2521
New Auto Loans
3.99%
54 months
▼
APR3.99%
Term54 months
Last UpdatedApr 19, 2026
Details
As Low As
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedApr 19, 2026
Details
As Low As
Valwood Park Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
1001 E Crosby Rd, Carrollton, TX, 75006 7260
Used Auto/Refinance Auto
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedApr 27, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
7034 Alamo Downs Pkwy, San Antonio, TX, 78238
Auto Loans
3.99%
0 - 75 Months
▼
APR3.99%
Term0 - 75 Months
Last UpdatedMay 2, 2026
Details
As Low As; APR - 2026 & Newer
First Service Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.02%
3923 5th St, Brookshire, TX, 77423
Auto Loan
3.99%
36 - 84
▼
APR3.99%
Term36 - 84
Last UpdatedMay 2, 2026
Details
As Low As
Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
17 S 1st St, Temple, TX, 76501 7603
New Auto
3.99%
36-month
▼
APR3.99%
Term36-month
Last UpdatedMay 2, 2026
Details
As Low As
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
506 W Lamar St, Sherman, TX, 75090 5840
New vehicles
3.99%
37-48
▼
APR3.99%
Term37-48
Last UpdatedMay 2, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
506 W Lamar St, Sherman, TX, 75090 5840
New vehicles: 37-48 months
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedMay 2, 2026
Details
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
8800 US Highway 380, Cross Roads, TX, 76227
Repo Vehicle Loans
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedMay 4, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
16597 Interstate 45 S, Conroe, TX, 77385
Auto Loan - New Vehicles
4.00%
24 Months
▼
APR4.00%
Term24 Months
Last UpdatedApr 8, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
16597 Interstate 45 S, Conroe, TX, 77385
New Auto Loans
4.00%
24 Months
▼
APR4.00%
Term24 Months
Last UpdatedApr 8, 2026
Details
Service 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
10001 Jack Finney Blvd, Greenville, TX, 75402
New Vehicle
4.00%
94 Months
▼
APR4.00%
Term94 Months
Last UpdatedApr 8, 2026
Details
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2610 Network Blvd Ste 600, Frisco, TX, 75034 6009
New Cars and Trucks
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedApr 17, 2026
Details
Starr County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
1322 E San Benito St, Rio Grande City, TX, 78582
Auto Purchases
4.00%
84 Months
▼
APR4.00%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As
Starr County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
1322 E San Benito St, Rio Grande City, TX, 78582
Auto Refinances
4.00%
84 Months
▼
APR4.00%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As
Concho Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.64%
1002 S Abe St, San Angelo, TX, 76903 7240
New Auto
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As; for 36 months
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
5211 E Parkway St, Groves, TX, 77619
New & Used Auto
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedApr 25, 2026
Details
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.28%
3505 Wildewood Dr, San Angelo, TX, 76904
New Automobiles & Light Trucks
4.00%
36 mos.
▼
APR4.00%
Term36 mos.
Last UpdatedApr 25, 2026
Details
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.28%
3505 Wildewood Dr, San Angelo, TX, 76904
Used Automobiles & Light Trucks
4.00%
36 mos.
▼
APR4.00%
Term36 mos.
Last UpdatedApr 25, 2026
Details
Energy Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
18540 Northwest Fwy, Houston, TX, 77065
New Autos
4.00%
60 - 84
▼
APR4.00%
Term60 - 84
Last UpdatedMay 2, 2026
Details
Energy Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
18540 Northwest Fwy, Houston, TX, 77065
Used Autos
4.00%
60 - 84
▼
APR4.00%
Term60 - 84
Last UpdatedMay 2, 2026
Details
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.71%
100 Dominion Park Dr, Houston, TX, 77090 6716
Auto Loan
4.05%
36 Months
▼
APR4.05%
Term36 Months
Last UpdatedApr 17, 2026
Details
As Low As; Model Years: 2019-2025
Mesquite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.76%
1510 N Galloway Ave, Mesquite, TX, 75149
New and Used Vehicles
4.10%
Up to 72 Months
▼
APR4.10%
TermUp to 72 Months
Last UpdatedApr 19, 2026
Details
As Low As
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
16597 Interstate 45 S, Conroe, TX, 77385
Auto Loan - New Vehicles
4.12%
36 Months
▼
APR4.12%
Term36 Months
Last UpdatedApr 8, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
16597 Interstate 45 S, Conroe, TX, 77385
New Auto Loans
4.12%
36 Months
▼
APR4.12%
Term36 Months
Last UpdatedApr 8, 2026
Details
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
12611 Fuqua St, Houston, TX, 77034
Auto Loans - Used & New
4.14%
49-60
▼
APR4.14%
Term49-60
Last UpdatedApr 19, 2026
Details
As Low As
Memorial Credit Union Houston, TX
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
7789 Southwest fwy Ste 175, Houston, TX, 77074 1831
New Autos
4.14%
Up to 84 Months
▼
APR4.14%
TermUp to 84 Months
Last UpdatedMay 2, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
American Airlines Credit Union, Fort Worth, TX, 76155
Used Auto
4.24%
Up to 36 Months
▼
APR4.24%
TermUp to 36 Months
Last UpdatedApr 27, 2026
Details
As Low As
Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
17 S 1st St, Temple, TX, 76501 7603
New Auto
4.24%
60-month
▼
APR4.24%
Term60-month
Last UpdatedMay 2, 2026
Details
As Low As
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
16597 Interstate 45 S, Conroe, TX, 77385
Auto Loan - New Vehicles
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedApr 8, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
16597 Interstate 45 S, Conroe, TX, 77385
New Auto Loans
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedApr 8, 2026
Details
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
2736 Nall St, Port Neches, TX, 77651 5204
New Auto Loans
4.25%
0-24
▼
APR4.25%
Term0-24
Last UpdatedMay 2, 2026
Details
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
2736 Nall St, Port Neches, TX, 77651 5204
Used Auto Loans
4.25%
0-24
▼
APR4.25%
Term0-24
Last UpdatedMay 2, 2026
Details
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
12611 Fuqua St, Houston, TX, 77034
Auto Loans - Used & New
4.29%
61-72
▼
APR4.29%
Term61-72
Last UpdatedApr 19, 2026
Details
As Low As
Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
11920 Alterra Pkwy, Austin, TX, 78758
Auto Loans
4.29%
48 Months
▼
APR4.29%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As
The Peoples Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.00%
7200 Hillside Rd, Amarillo, TX, 79109 7460
New & Used Vehicles
4.29%
3 yrs*
▼
APR4.29%
Term3 yrs*
Last UpdatedApr 25, 2026
Details
As Low As
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
2900 Decker Dr, Baytown, TX, 77520 2076
New Autos
4.29%
48 Months
▼
APR4.29%
Term48 Months
Last UpdatedMay 2, 2026
Details
As Low As; Fewer than 7,500 miles
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
2900 Decker Dr, Baytown, TX, 77520 2076
Used Autos
4.29%
48 Months
▼
APR4.29%
Term48 Months
Last UpdatedMay 2, 2026
Details
As Low As; Fewer than 100,000 miles
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
4405 Summerhill Rd, Texarkana, TX, 75503
2025 Auto Loan
4.35%
48 Months
▼
APR4.35%
Term48 Months
Last UpdatedApr 17, 2026
Details
As Low As
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
4405 Summerhill Rd, Texarkana, TX, 75503
NEW! 2026 Auto Loan
4.35%
48 Months
▼
APR4.35%
Term48 Months
Last UpdatedApr 17, 2026
Details
As Low As
Cherokee County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.87%
145 FM 2972 W, RUSK, TX, 75785
New Car Loan
4.35%
84 months
▼
APR4.35%
Term84 months
Last UpdatedApr 25, 2026
Details
Rates as low as 4.35%. Apply for a new car loan with us today.
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
16597 Interstate 45 S, Conroe, TX, 77385
Auto Loan - New Vehicles
4.38%
60 Months
▼
APR4.38%
Term60 Months
Last UpdatedApr 8, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
16597 Interstate 45 S, Conroe, TX, 77385
New Auto Loans
4.38%
60 Months
▼
APR4.38%
Term60 Months
Last UpdatedApr 8, 2026
Details
Southwest Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.40%
1750 Valley View Ln Ste 110, Farmers Branch, TX, 75234 9024
New Auto
4.39%
72 Months
▼
APR4.39%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As
Southwest Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.40%
1750 Valley View Ln Ste 110, Farmers Branch, TX, 75234 9024
Used Auto
4.39%
72 Months
▼
APR4.39%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
2901 Sens Rd, La Porte, TX, 77571
Auto Loan
4.39%
65 months
▼
APR4.39%
Term65 months
Last UpdatedApr 25, 2026
Details
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
4405 Summerhill Rd, Texarkana, TX, 75503
2025 Auto Loan
4.45%
60 Months
▼
APR4.45%
Term60 Months
Last UpdatedApr 17, 2026
Details
As Low As
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
4405 Summerhill Rd, Texarkana, TX, 75503
NEW! 2026 Auto Loan
4.45%
60 Months
▼
APR4.45%
Term60 Months
Last UpdatedApr 17, 2026
Details
As Low As
Swemp Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
601 OLIVE ST, TEXARKANA, TX, 75501
New Autos
4.45%
84 Months
▼
APR4.45%
Term84 Months
Last UpdatedApr 18, 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%
601 OLIVE ST, TEXARKANA, TX, 75501
Pre-Owned Autos
4.45%
84 Months
▼
APR4.45%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As; * As Low As (Based On Credit Score And Loan Term)
Prestige Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
15203 Knoll Trail Dr Ste 101, Dallas, TX, 75248
New Vehicle Loan (Car / Truck / SUV)
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedApr 8, 2026
Details
As Low As
Prestige Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
15203 Knoll Trail Dr Ste 101, Dallas, TX, 75248
Used Vehicle Loan (Car / Truck / SUV)
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedApr 8, 2026
Details
As Low As
Gulf Shore Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.87%
1306 N Logan St, Texas City, TX, 77590 5046
Autos 2026-2022
4.49%
0-24
▼
APR4.49%
Term0-24
Last UpdatedApr 17, 2026
Details
As Low As
Lubbock Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2802 York Ave Unit D, LUBBOCK, TX, 79407 2632
New Auto Loan
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedApr 17, 2026
Details
Access Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.15%
6401 Bell St, Amarillo, TX, 79109
New Vehicles - 5 years and newer**
4.49%
24 to 36
▼
APR4.49%
Term24 to 36
Last UpdatedApr 19, 2026
Details
Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.83%
4800 GROVER AVE, AUSTIN, TX, 78756
New and Used Vehicles
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As; Up to 48 Months
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.73%
13649 Montfort Dr, Dallas, TX, 75240 2521
Auto Loans Used
4.49%
54 months
▼
APR4.49%
Term54 months
Last UpdatedApr 19, 2026
Details
As Low As
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.73%
13649 Montfort Dr, Dallas, TX, 75240 2521
New Auto Loans
4.49%
72 months
▼
APR4.49%
Term72 months
Last UpdatedApr 19, 2026
Details
As Low As
Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
11920 Alterra Pkwy, Austin, TX, 78758
Auto Loans
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto
4.49%
Up to 48 months
▼
APR4.49%
TermUp to 48 months
Last UpdatedApr 19, 2026
Details
As Low As
Domino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
9978 FM 3129, Queen City, TX, 75572
New and Used Autos
4.49%
Up to 72 Months
▼
APR4.49%
TermUp to 72 Months
Last UpdatedApr 27, 2026
Details
Valwood Park Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
1001 E Crosby Rd, Carrollton, TX, 75006 7260
Used Auto/Refinance Auto
4.49%
Up to 48 months
▼
APR4.49%
TermUp to 48 months
Last UpdatedApr 27, 2026
Details
As Low As
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
American Airlines Credit Union, Fort Worth, TX, 76155
New Auto
4.49%
Up to 60 months
▼
APR4.49%
TermUp to 60 months
Last UpdatedApr 27, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
3301 Airport Fwy Ste 175, Bedford, TX, 76021 6123
Auto Loans
4.49%
24 Mos.
▼
APR4.49%
Term24 Mos.
Last UpdatedMay 2, 2026
Details
As Low As; 4.49%
Germania Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
PO Box 645, Brenham, TX, 77834 0645
New Vehicle
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMay 2, 2026
Details
As Low As; Up to 125% of MSRP with approved credit.
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
7034 Alamo Downs Pkwy, San Antonio, TX, 78238
Auto Loans
4.49%
Auto Buying Service
▼
APR4.49%
TermAuto Buying Service
Last UpdatedMay 2, 2026
Details
As Low As; APR - 2023 - 2025*
Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
17 S 1st St, Temple, TX, 76501 7603
New Auto
4.49%
72-month
▼
APR4.49%
Term72-month
Last UpdatedMay 2, 2026
Details
As Low As
Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
17 S 1st St, Temple, TX, 76501 7603
Pre-Owned Auto
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As
TEXAS TECH
Institution Rating:
A5.0 ★ Texas Ratio: 8.53%
1802 Texas Tech Parkway, Lubbock, TX, 79409
New Auto Loan
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMay 2, 2026
Details
Odessa Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1006 E 7th St, Odessa, TX, 79761 4623
New & Used Vehicles
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedApr 8, 2026
Details
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2610 Network Blvd Ste 600, Frisco, TX, 75034 6009
New Cars and Trucks
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedApr 17, 2026
Details
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2610 Network Blvd Ste 600, Frisco, TX, 75034 6009
Used Cars and Trucks
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedApr 17, 2026
Details
Concho Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.64%
1002 S Abe St, San Angelo, TX, 76903 7240
New Auto
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As; for 48 months
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
5211 E Parkway St, Groves, TX, 77619
New & Used Auto
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedApr 25, 2026
Details
Port Arthur Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
3001 JIMMY JOHNSON BLVD, PORT ARTHUR, TX, 77642
New Car
4.50%
up to 60 month financing available
▼
APR4.50%
Termup to 60 month financing available
Last UpdatedApr 25, 2026
Details
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.13%
1900 Main St, Houston, TX, 77002 8130
Auto Loan 36mm
4.50%
36mm
▼
APR4.50%
Term36mm
Last UpdatedApr 27, 2026
Details
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
2736 Nall St, Port Neches, TX, 77651 5204
New Auto Loans
4.50%
49-60
▼
APR4.50%
Term49-60
Last UpdatedMay 2, 2026
Details
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
2736 Nall St, Port Neches, TX, 77651 5204
Used Auto Loans
4.50%
49-60
▼
APR4.50%
Term49-60
Last UpdatedMay 2, 2026
Details
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
2900 Decker Dr, Baytown, TX, 77520 2076
New Autos
4.54%
71 Months
▼
APR4.54%
Term71 Months
Last UpdatedMay 2, 2026
Details
As Low As; Fewer than 7,500 miles
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
2900 Decker Dr, Baytown, TX, 77520 2076
Used Autos
4.54%
71 Months
▼
APR4.54%
Term71 Months
Last UpdatedMay 2, 2026
Details
As Low As; Fewer than 100,000 miles
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
2501 S State Highway 121 BUS, Lewisville, TX, 75067 4394
Auto Loan
4.55%
2 Yrs
▼
APR4.55%
Term2 Yrs
Last UpdatedApr 18, 2026
Details
Model Year: 2011 to 2015
Libertyone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.98%
4050 Alpha Rd Ste 120, Farmers Branch, TX, 75244
New and Used Automobiles
4.55%
24 months
▼
APR4.55%
Term24 months
Last UpdatedMay 2, 2026
Details
Keystone Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.48%
11877 County Road 492, Tyler, TX, 75706
New Vehicle
4.59%
60 Months
▼
APR4.59%
Term60 Months
Last UpdatedApr 19, 2026
Details
Cherokee County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.87%
145 FM 2972 W, RUSK, TX, 75785
Used Car Loan
4.60%
72 months
▼
APR4.60%
Term72 months
Last UpdatedApr 25, 2026
Details
Rates as low as 4.60%. Apply today.
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.73%
13649 Montfort Dr, Dallas, TX, 75240 2521
Auto Loans Refinance
4.64%
54 months
▼
APR4.64%
Term54 months
Last UpdatedApr 19, 2026
Details
As Low As
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
2501 S State Highway 121 BUS, Lewisville, TX, 75067 4394
Auto Loan
4.65%
3 Yrs
▼
APR4.65%
Term3 Yrs
Last UpdatedApr 18, 2026
Details
Model Year: 2016 to 2019
Chocolate Bayou Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.27%
1301 Highway 35 Byp N, Alvin, TX, 77511 2681
Auto Loans
4.67%
60 Months
▼
APR4.67%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As
Del Rio SP Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.95%
106 N Main St, Del Rio, TX, 78840
Auto Loan Refinance
4.69%
1 - 63
▼
APR4.69%
Term1 - 63
Last UpdatedApr 8, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX, 77092
Vehicle Loan
4.69%
Up to 24 months
▼
APR4.69%
TermUp to 24 months
Last UpdatedApr 17, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX, 77092
Vehicle Loans
4.69%
Up to 24 months
▼
APR4.69%
TermUp to 24 months
Last UpdatedApr 17, 2026
Details
As Low As
Rockdale Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
1821 W Cameron Ave, Rockdale, TX, 76567
New Vehicles
4.69%
48 Months
▼
APR4.69%
Term48 Months
Last UpdatedApr 18, 2026
Details
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
2501 S State Highway 121 BUS, Lewisville, TX, 75067 4394
Auto Loan
4.70%
2 Months
▼
APR4.70%
Term2 Months
Last UpdatedApr 18, 2026
Details
2011 to 2015 Model Year
Members Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
1024 SW Alsbury Blvd, Burleson, TX, 76028
Autos
4.74%
2 Years or Less
▼
APR4.74%
Term2 Years or Less
Last UpdatedApr 8, 2026
Details
As Low As
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
4849 N Mesa St, El Paso, TX, 79912
Used Auto Loans
4.74%
36 months
▼
APR4.74%
Term36 months
Last UpdatedApr 17, 2026
Details
As Low As; Qualified buyers: Take 90 days to make your first payment.
Lubbock Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2802 York Ave Unit D, LUBBOCK, TX, 79407 2632
New Auto Loan
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedApr 17, 2026
Details
Lubbock Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2802 York Ave Unit D, LUBBOCK, TX, 79407 2632
Used Auto Loan
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedApr 17, 2026
Details
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.73%
13649 Montfort Dr, Dallas, TX, 75240 2521
Auto Loans Used
4.74%
72 months
▼
APR4.74%
Term72 months
Last UpdatedApr 19, 2026
Details
As Low As
Keystone Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.48%
11877 County Road 492, Tyler, TX, 75706
New Vehicle
4.74%
78 Months
▼
APR4.74%
Term78 Months
Last UpdatedApr 19, 2026
Details
Valwood Park Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
1001 E Crosby Rd, Carrollton, TX, 75006 7260
Used Auto/Refinance Auto
4.74%
Up to 60 months
▼
APR4.74%
TermUp to 60 months
Last UpdatedApr 27, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
3301 Airport Fwy Ste 175, Bedford, TX, 76021 6123
Auto Loans
4.74%
48 Mos.
▼
APR4.74%
Term48 Mos.
Last UpdatedMay 2, 2026
Details
As Low As; 4.74%
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX, 77073 5114
New Auto Loan Up to 36 Months
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As
Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
17 S 1st St, Temple, TX, 76501 7603
Pre-Owned Auto
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedMay 2, 2026
Details
As Low As
TEXAS TECH
Institution Rating:
A5.0 ★ Texas Ratio: 8.53%
1802 Texas Tech Parkway, Lubbock, TX, 79409
New Auto Loan
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedMay 2, 2026
Details
TEXAS TECH
Institution Rating:
A5.0 ★ Texas Ratio: 8.53%
1802 Texas Tech Parkway, Lubbock, TX, 79409
Used Auto Loan
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMay 2, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
16597 Interstate 45 S, Conroe, TX, 77385
Auto Loan - New Vehicles
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedApr 8, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
16597 Interstate 45 S, Conroe, TX, 77385
New Auto Loans
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedApr 8, 2026
Details
Odessa Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1006 E 7th St, Odessa, TX, 79761 4623
New & Used Vehicles
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedApr 8, 2026
Details
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
2501 S State Highway 121 BUS, Lewisville, TX, 75067 4394
Auto Loan
4.75%
4 Yrs
▼
APR4.75%
Term4 Yrs
Last UpdatedApr 18, 2026
Details
Model Year: 2020 to 2024
Common Cents Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.15%
8109 Smith Rd, Beaumont, TX, 77705 6108
Auto Loans
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As
Concho Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.64%
1002 S Abe St, San Angelo, TX, 76903 7240
New Auto
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As; for 60 months
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
5211 E Parkway St, Groves, TX, 77619
New & Used Auto
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedApr 25, 2026
Details
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.28%
3505 Wildewood Dr, San Angelo, TX, 76904
New Automobiles & Light Trucks
4.75%
60 mos.
▼
APR4.75%
Term60 mos.
Last UpdatedApr 25, 2026
Details
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.28%
3505 Wildewood Dr, San Angelo, TX, 76904
Used Automobiles & Light Trucks
4.75%
60 mos.
▼
APR4.75%
Term60 mos.
Last UpdatedApr 25, 2026
Details
Libertyone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.98%
4050 Alpha Rd Ste 120, Farmers Branch, TX, 75244
New and Used Automobiles
4.75%
36 months
▼
APR4.75%
Term36 months
Last UpdatedMay 2, 2026
Details
Eastman Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
304 Central Avenue, Longview, TX, 75602
New Auto
4.75%
36 - 120 months
▼
APR4.75%
Term36 - 120 months
Last UpdatedMay 2, 2026
Details
As Low As
Prestige Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
15203 Knoll Trail Dr Ste 101, Dallas, TX, 75248
New Vehicle Loan (Car / Truck / SUV)
4.79%
60 Months
▼
APR4.79%
Term60 Months
Last UpdatedApr 8, 2026
Details
As Low As
Prestige Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
15203 Knoll Trail Dr Ste 101, Dallas, TX, 75248
Used Vehicle Loan (Car / Truck / SUV)
4.79%
60 Months
▼
APR4.79%
Term60 Months
Last UpdatedApr 8, 2026
Details
As Low As
Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
11920 Alterra Pkwy, Austin, TX, 78758
Auto Loans
4.79%
66 Months
▼
APR4.79%
Term66 Months
Last UpdatedApr 19, 2026
Details
As Low As
The Peoples Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.00%
7200 Hillside Rd, Amarillo, TX, 79109 7460
New & Used Vehicles
4.79%
7 yrs**
▼
APR4.79%
Term7 yrs**
Last UpdatedApr 25, 2026
Details
MilWay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
5001 W 7th St, Texarkana, TX, 75501 6269
New/Used Vehicles (2026-older)
4.79%
Up to 51 Months
▼
APR4.79%
TermUp to 51 Months
Last UpdatedApr 27, 2026
Details
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.00%
1200 Belleview St, Dallas, TX, 75215 1837
New and Used Auto Loans
4.79%
36 months or less
▼
APR4.79%
Term36 months or less
Last UpdatedMay 2, 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 May 02, 2026. Rates are subject to change without notice.
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
2501 S State Highway 121 BUS, Lewisville, TX, 75067 4394
Auto Loan
4.80%
3 Months
▼
APR4.80%
Term3 Months
Last UpdatedApr 18, 2026
Details
2016 to 2019 Model Year
Amplify Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
2800 Esperanza Xing Bldg 2, Austin, TX, 78758 3772
Auto Loan
4.80%
0 - 48
▼
APR4.80%
Term0 - 48
Last UpdatedMay 2, 2026
Details
As Low As
Members Choice of Central Texas Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
4631 W Waco Dr, Waco, TX, 76710
Vehicle Loan
4.84%
60 Months
▼
APR4.84%
Term60 Months
Last UpdatedApr 17, 2026
Details
As Low As
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.00%
1200 Belleview St, Dallas, TX, 75215 1837
New and Used Auto Loans
4.84%
37 - 48 months
▼
APR4.84%
Term37 - 48 months
Last UpdatedMay 2, 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 May 02, 2026. Rates are subject to change without notice.
Generations Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.93%
1100 NW Loop 410, San Antonio, TX, 78213
New Auto Loan
4.85%
36 Months
▼
APR4.85%
Term36 Months
Last UpdatedApr 17, 2026
Details
As Low As; Rates listed include a discount of 0.35%, which may be applied to New and Used Auto Loans that are enrolled in automatic payments from a MyAdvantage Checking or MyAdvantage Plus Checking account at time of closing. Rates effective 02/23/2026.
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
2501 S State Highway 121 BUS, Lewisville, TX, 75067 4394
Auto Loan
4.85%
5 Yrs
▼
APR4.85%
Term5 Yrs
Last UpdatedApr 18, 2026
Details
Model Year: 2025 to 2027
BELTON
Institution Rating:
A-5.0 ★ Texas Ratio: 15.16%
400 N Wall St, Belton, TX, 76513
New Vehicle 2025 and newer
4.85%
48 Months
▼
APR4.85%
Term48 Months
Last UpdatedMay 2, 2026
Details
As Low As; rates are set according to credit rating
Del Rio SP Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.95%
106 N Main St, Del Rio, TX, 78840
Auto Loan Refinance
4.89%
64 - 75
▼
APR4.89%
Term64 - 75
Last UpdatedApr 8, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX, 77092
Vehicle Loan
4.89%
36 months
▼
APR4.89%
Term36 months
Last UpdatedApr 17, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX, 77092
Vehicle Loans
4.89%
36 months
▼
APR4.89%
Term36 months
Last UpdatedApr 17, 2026
Details
As Low As
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.00%
1200 Belleview St, Dallas, TX, 75215 1837
New and Used Auto Loans
4.89%
49 - 60 months
▼
APR4.89%
Term49 - 60 months
Last UpdatedMay 2, 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 May 02, 2026. Rates are subject to change without notice.
1st University Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.48%
24 La Salle Ave unit C, Waco, TX, 76706
New Auto
4.90%
48 Months
▼
APR4.90%
Term48 Months
Last UpdatedApr 8, 2026
Details
As Low As
1st University Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.48%
24 La Salle Ave unit C, Waco, TX, 76706
Used Auto
4.90%
36 Months
▼
APR4.90%
Term36 Months
Last UpdatedApr 8, 2026
Details
As Low As; Models up to 5 Years Old; $14,999.99 or Less
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
4849 N Mesa St, El Paso, TX, 79912
Used Auto Loans
4.90%
48 months
▼
APR4.90%
Term48 months
Last UpdatedApr 17, 2026
Details
As Low As; Qualified buyers: Take 90 days to make your first payment.
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
2501 S State Highway 121 BUS, Lewisville, TX, 75067 4394
Auto Loan
4.90%
4 Months
▼
APR4.90%
Term4 Months
Last UpdatedApr 18, 2026
Details
2020 to 2024 Model Year
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.13%
1900 Main St, Houston, TX, 77002 8130
Auto Loan 48m
4.90%
48m
▼
APR4.90%
Term48m
Last UpdatedApr 27, 2026
Details
BELTON
Institution Rating:
A-5.0 ★ Texas Ratio: 15.16%
400 N Wall St, Belton, TX, 76513
New Vehicle 2025 and newer
4.90%
60 Months
▼
APR4.90%
Term60 Months
Last UpdatedMay 2, 2026
Details
As Low As; rates are set according to credit rating
Chocolate Bayou Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.27%
1301 Highway 35 Byp N, Alvin, TX, 77511 2681
Auto Loans
4.92%
72 Months
▼
APR4.92%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As
Del Rio SP Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.95%
106 N Main St, Del Rio, TX, 78840
Auto Loan Refinance
4.94%
1 - 63
▼
APR4.94%
Term1 - 63
Last UpdatedApr 8, 2026
Details
As Low As
Keystone Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.48%
11877 County Road 492, Tyler, TX, 75706
Used Vehicle
4.94%
60 Months
▼
APR4.94%
Term60 Months
Last UpdatedApr 19, 2026
Details
FCI Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.31%
2500 Leopard Dr, Texarkana, TX, 75501 7810
Teal Good Auto Loans
4.95%
84 Months
▼
APR4.95%
Term84 Months
Last UpdatedApr 17, 2026
Details
As Low As; for 84 Months. Other rates and terms available.
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
4405 Summerhill Rd, Texarkana, TX, 75503
2025 Auto Loan
4.95%
84 Months
▼
APR4.95%
Term84 Months
Last UpdatedApr 17, 2026
Details
As Low As
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
4405 Summerhill Rd, Texarkana, TX, 75503
NEW! 2026 Auto Loan
4.95%
84 Months
▼
APR4.95%
Term84 Months
Last UpdatedApr 17, 2026
Details
As Low As
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
2501 S State Highway 121 BUS, Lewisville, TX, 75067 4394
Auto Loan
4.95%
6 Yrs
▼
APR4.95%
Term6 Yrs
Last UpdatedApr 18, 2026
Details
Model Year: 2025 to 2027
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
Classic Car A+
4.95%
0-36
▼
APR4.95%
Term0-36
Last UpdatedApr 18, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
New Automobile (NA)
4.95%
61-72
▼
APR4.95%
Term61-72
Last UpdatedApr 18, 2026
Details
Grade: A+ (800+)
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
Pre-Owned (Used) Automobile (UA)
4.95%
61-72
▼
APR4.95%
Term61-72
Last UpdatedApr 18, 2026
Details
Grade A+ (800+)
Neiman Marcus Group Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
1618 Main St, Dallas, TX, 75201 4720
New Cars
4.95%
Up to 60 Months
▼
APR4.95%
TermUp to 60 Months
Last UpdatedApr 25, 2026
Details
As Low As
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
16320 Kensington Dr, Sugar Land, TX, 77479 4097
Vehicle Loans
4.95%
60 months
▼
APR4.95%
Term60 months
Last UpdatedApr 26, 2026
Details
As Low As; Finance Your Vehicle Loan with Us and We'll Give You $250!
Libertyone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.98%
4050 Alpha Rd Ste 120, Farmers Branch, TX, 75244
New and Used Automobiles
4.95%
48 months
▼
APR4.95%
Term48 months
Last UpdatedMay 2, 2026
Details
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
18211 Katy Fwy, Houston, TX, 77094 1395
New Autos
4.99%
37 - 60
▼
APR4.99%
Term37 - 60
Last UpdatedApr 8, 2026
Details
As Low As
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
18211 Katy Fwy, Houston, TX, 77094 1395
Pre-Owned Autos
4.99%
37 - 60
▼
APR4.99%
Term37 - 60
Last UpdatedApr 8, 2026
Details
As Low As
Members Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
1024 SW Alsbury Blvd, Burleson, TX, 76028
Autos
4.99%
3 Years or 36 Mo
▼
APR4.99%
Term3 Years or 36 Mo
Last UpdatedApr 8, 2026
Details
As Low As
Members Choice of Central Texas Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
4631 W Waco Dr, Waco, TX, 76710
Vehicle Loan
4.99%
61-75
▼
APR4.99%
Term61-75
Last UpdatedApr 17, 2026
Details
As Low As
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
1600 Memorial Dr, Houston, TX, 77007 7702
Auto Loans
4.99%
0 - 60 months
▼
APR4.99%
Term0 - 60 months
Last UpdatedApr 17, 2026
Details
As Low As
Lubbock Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2802 York Ave Unit D, LUBBOCK, TX, 79407 2632
New Auto Loan
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedApr 17, 2026
Details
Lubbock Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2802 York Ave Unit D, LUBBOCK, TX, 79407 2632
Used Auto Loan
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 17, 2026
Details
ACFCU
Institution Rating:
A+5.0 ★
6100 W Interstate 40, Amarillo, TX, 79106 2515
New & Used Vehicles
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedApr 17, 2026
Details
As Low As
City of Deer Park Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
2005 Center St, Deer Park, TX, 77536
Auto Loan A
4.99%
0-48
▼
APR4.99%
Term0-48
Last UpdatedApr 18, 2026
Details
City of Deer Park Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
2005 Center St, Deer Park, TX, 77536
Auto Loan A+
4.99%
0-60
▼
APR4.99%
Term0-60
Last UpdatedApr 18, 2026
Details
Rockdale Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
1821 W Cameron Ave, Rockdale, TX, 76567
NEW VEHICLES
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As
Rockdale Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
1821 W Cameron Ave, Rockdale, TX, 76567
Used Vehicles
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedApr 18, 2026
Details
Access Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.15%
6401 Bell St, Amarillo, TX, 79109
New Vehicles - 5 years and newer**
4.99%
37 to 72
▼
APR4.99%
Term37 to 72
Last UpdatedApr 19, 2026
Details
Linkage Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
4527 SPEIGHT AVE, WACO, TX, 76711
Auto Loans
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As; call us for pre-approval! Free Up Cash! Refinance your auto loan and lower your payments.
Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
11920 Alterra Pkwy, Austin, TX, 78758
Auto Loans
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedApr 19, 2026
Details
As Low As
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.87%
5740 County Road 4, Bishop, TX, 78343
Auto Loans
4.99%
84 months
▼
APR4.99%
Term84 months
Last UpdatedApr 25, 2026
Details
As Low As; for NEW & USED VEHICLES
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
American Airlines Credit Union, Fort Worth, TX, 76155
Used Auto
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedApr 27, 2026
Details
As Low As
MilWay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
5001 W 7th St, Texarkana, TX, 75501 6269
New/Used Vehicles (2026- 2019)
4.99%
Up to 63 Months
▼
APR4.99%
TermUp to 63 Months
Last UpdatedApr 27, 2026
Details
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
New Automobile (NA)
2.95%
0-36
▼
APR2.95%
Term0-36
Last UpdatedApr 18, 2026
Details
Grade: A+ (800+)
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
506 W Lamar St, Sherman, TX, 75090 5840
New vehicles
2.99%
0-36
▼
APR2.99%
Term0-36
Last UpdatedMay 2, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
506 W Lamar St, Sherman, TX, 75090 5840
New vehicles: 0-36 months
2.99%
36 Months
▼
APR2.99%
Term36 Months
Last UpdatedMay 2, 2026
Details
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
18211 Katy Fwy, Houston, TX, 77094 1395
New and Pre-Owned Autos
3.24%
12-36
▼
APR3.24%
Term12-36
Last UpdatedApr 8, 2026
Details
As Low As
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
18211 Katy Fwy, Houston, TX, 77094 1395
New Autos
3.24%
12 - 36
▼
APR3.24%
Term12 - 36
Last UpdatedApr 8, 2026
Details
As Low As
Lubrizol Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
205 Center St, Deer Park, TX, 77536 2735
New & Used Automobile
3.24%
24 Mo to 60 Mo
▼
APR3.24%
Term24 Mo to 60 Mo
Last UpdatedMay 2, 2026
Details
USE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
400 S Akard St, Dallas, TX, 75202 5324
New & Used Autos
3.49%
72 Months
▼
APR3.49%
Term72 Months
Last UpdatedApr 17, 2026
Details
As Low As
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
2900 Decker Dr, Baytown, TX, 77520 2076
New Autos
3.49%
36 Months
▼
APR3.49%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As; Fewer than 7,500 miles
Victoria City County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.81%
205 N Bridge St Ste 111, Victoria, TX, 77901
New & Used Auto Loans
3.67%
36 to 72** Months
▼
APR3.67%
Term36 to 72** Months
Last UpdatedApr 26, 2026
Details
Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
183 E Price Rd, Brownsville, TX, 78521
New Auto Loan
3.70%
75 Months
▼
APR3.70%
Term75 Months
Last UpdatedApr 17, 2026
Details
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2020 & Newer
3.73%
Up to 36 Months
▼
APR3.73%
TermUp to 36 Months
Last UpdatedMay 2, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
American Airlines Credit Union, Fort Worth, TX, 76155
New Auto
3.74%
Up to 36 Months
▼
APR3.74%
TermUp to 36 Months
Last UpdatedApr 27, 2026
Details
As Low As
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2021 & Newer
3.80%
37 - 48 Months
▼
APR3.80%
Term37 - 48 Months
Last UpdatedMay 2, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2022 & Newer
3.86%
49 - 60 Months
▼
APR3.86%
Term49 - 60 Months
Last UpdatedMay 2, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2023 & Newer
3.92%
61 - 72 Months
▼
APR3.92%
Term61 - 72 Months
Last UpdatedMay 2, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
12611 Fuqua St, Houston, TX, 77034
Auto Loans - Used & New
3.94%
0-36
▼
APR3.94%
Term0-36
Last UpdatedApr 19, 2026
Details
As Low As
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
New Automobile (NA)
3.95%
37-60
▼
APR3.95%
Term37-60
Last UpdatedApr 18, 2026
Details
Grade: A+ (800+)
Domino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
9978 FM 3129, Queen City, TX, 75572
New and Used Autos
3.95%
Up to 36 Months
▼
APR3.95%
TermUp to 36 Months
Last UpdatedApr 27, 2026
Details
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2025 & Newer
3.98%
73 - 84 Months
▼
APR3.98%
Term73 - 84 Months
Last UpdatedMay 2, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
Houston Highway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
8120 Washington Ave, Houston, TX, 77007
New Vehicle Loan
3.99%
24 - 72+ Months
▼
APR3.99%
Term24 - 72+ Months
Last UpdatedApr 8, 2026
Details
Rockdale Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
1821 W Cameron Ave, Rockdale, TX, 76567
New Vehicles
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedApr 18, 2026
Details
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.73%
13649 Montfort Dr, Dallas, TX, 75240 2521
New Auto Loans
3.99%
54 months
▼
APR3.99%
Term54 months
Last UpdatedApr 19, 2026
Details
As Low As
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedApr 19, 2026
Details
As Low As
Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
17 S 1st St, Temple, TX, 76501 7603
New Auto
3.99%
36-month
▼
APR3.99%
Term36-month
Last UpdatedMay 2, 2026
Details
As Low As
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
506 W Lamar St, Sherman, TX, 75090 5840
New vehicles
3.99%
37-48
▼
APR3.99%
Term37-48
Last UpdatedMay 2, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
506 W Lamar St, Sherman, TX, 75090 5840
New vehicles: 37-48 months
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedMay 2, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
16597 Interstate 45 S, Conroe, TX, 77385
Auto Loan - New Vehicles
4.00%
24 Months
▼
APR4.00%
Term24 Months
Last UpdatedApr 8, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
16597 Interstate 45 S, Conroe, TX, 77385
New Auto Loans
4.00%
24 Months
▼
APR4.00%
Term24 Months
Last UpdatedApr 8, 2026
Details
Service 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
10001 Jack Finney Blvd, Greenville, TX, 75402
New Vehicle
4.00%
94 Months
▼
APR4.00%
Term94 Months
Last UpdatedApr 8, 2026
Details
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2610 Network Blvd Ste 600, Frisco, TX, 75034 6009
New Cars and Trucks
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedApr 17, 2026
Details
Concho Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.64%
1002 S Abe St, San Angelo, TX, 76903 7240
New Auto
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As; for 36 months
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
5211 E Parkway St, Groves, TX, 77619
New & Used Auto
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedApr 25, 2026
Details
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.28%
3505 Wildewood Dr, San Angelo, TX, 76904
New Automobiles & Light Trucks
4.00%
36 mos.
▼
APR4.00%
Term36 mos.
Last UpdatedApr 25, 2026
Details
Energy Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
18540 Northwest Fwy, Houston, TX, 77065
New Autos
4.00%
60 - 84
▼
APR4.00%
Term60 - 84
Last UpdatedMay 2, 2026
Details
Mesquite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.76%
1510 N Galloway Ave, Mesquite, TX, 75149
New and Used Vehicles
4.10%
Up to 72 Months
▼
APR4.10%
TermUp to 72 Months
Last UpdatedApr 19, 2026
Details
As Low As
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
16597 Interstate 45 S, Conroe, TX, 77385
Auto Loan - New Vehicles
4.12%
36 Months
▼
APR4.12%
Term36 Months
Last UpdatedApr 8, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
16597 Interstate 45 S, Conroe, TX, 77385
New Auto Loans
4.12%
36 Months
▼
APR4.12%
Term36 Months
Last UpdatedApr 8, 2026
Details
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
12611 Fuqua St, Houston, TX, 77034
Auto Loans - Used & New
4.14%
49-60
▼
APR4.14%
Term49-60
Last UpdatedApr 19, 2026
Details
As Low As
Memorial Credit Union Houston, TX
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
7789 Southwest fwy Ste 175, Houston, TX, 77074 1831
New Autos
4.14%
Up to 84 Months
▼
APR4.14%
TermUp to 84 Months
Last UpdatedMay 2, 2026
Details
Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
17 S 1st St, Temple, TX, 76501 7603
New Auto
4.24%
60-month
▼
APR4.24%
Term60-month
Last UpdatedMay 2, 2026
Details
As Low As
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
16597 Interstate 45 S, Conroe, TX, 77385
Auto Loan - New Vehicles
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedApr 8, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
16597 Interstate 45 S, Conroe, TX, 77385
New Auto Loans
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedApr 8, 2026
Details
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
2736 Nall St, Port Neches, TX, 77651 5204
New Auto Loans
4.25%
0-24
▼
APR4.25%
Term0-24
Last UpdatedMay 2, 2026
Details
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
12611 Fuqua St, Houston, TX, 77034
Auto Loans - Used & New
4.29%
61-72
▼
APR4.29%
Term61-72
Last UpdatedApr 19, 2026
Details
As Low As
The Peoples Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.00%
7200 Hillside Rd, Amarillo, TX, 79109 7460
New & Used Vehicles
4.29%
3 yrs*
▼
APR4.29%
Term3 yrs*
Last UpdatedApr 25, 2026
Details
As Low As
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
2900 Decker Dr, Baytown, TX, 77520 2076
New Autos
4.29%
48 Months
▼
APR4.29%
Term48 Months
Last UpdatedMay 2, 2026
Details
As Low As; Fewer than 7,500 miles
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
4405 Summerhill Rd, Texarkana, TX, 75503
NEW! 2026 Auto Loan
4.35%
48 Months
▼
APR4.35%
Term48 Months
Last UpdatedApr 17, 2026
Details
As Low As
Cherokee County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.87%
145 FM 2972 W, RUSK, TX, 75785
New Car Loan
4.35%
84 months
▼
APR4.35%
Term84 months
Last UpdatedApr 25, 2026
Details
Rates as low as 4.35%. Apply for a new car loan with us today.
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
16597 Interstate 45 S, Conroe, TX, 77385
Auto Loan - New Vehicles
4.38%
60 Months
▼
APR4.38%
Term60 Months
Last UpdatedApr 8, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
16597 Interstate 45 S, Conroe, TX, 77385
New Auto Loans
4.38%
60 Months
▼
APR4.38%
Term60 Months
Last UpdatedApr 8, 2026
Details
Southwest Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.40%
1750 Valley View Ln Ste 110, Farmers Branch, TX, 75234 9024
New Auto
4.39%
72 Months
▼
APR4.39%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
4405 Summerhill Rd, Texarkana, TX, 75503
NEW! 2026 Auto Loan
4.45%
60 Months
▼
APR4.45%
Term60 Months
Last UpdatedApr 17, 2026
Details
As Low As
Swemp Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
601 OLIVE ST, TEXARKANA, TX, 75501
New Autos
4.45%
84 Months
▼
APR4.45%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As; * As Low As (Based On Credit Score And Loan Term)
Prestige Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
15203 Knoll Trail Dr Ste 101, Dallas, TX, 75248
New Vehicle Loan (Car / Truck / SUV)
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedApr 8, 2026
Details
As Low As
Lubbock Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2802 York Ave Unit D, LUBBOCK, TX, 79407 2632
New Auto Loan
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedApr 17, 2026
Details
Access Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.15%
6401 Bell St, Amarillo, TX, 79109
New Vehicles - 5 years and newer**
4.49%
24 to 36
▼
APR4.49%
Term24 to 36
Last UpdatedApr 19, 2026
Details
Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.83%
4800 GROVER AVE, AUSTIN, TX, 78756
New and Used Vehicles
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As; Up to 48 Months
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.73%
13649 Montfort Dr, Dallas, TX, 75240 2521
New Auto Loans
4.49%
72 months
▼
APR4.49%
Term72 months
Last UpdatedApr 19, 2026
Details
As Low As
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto
4.49%
Up to 48 months
▼
APR4.49%
TermUp to 48 months
Last UpdatedApr 19, 2026
Details
As Low As
Domino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
9978 FM 3129, Queen City, TX, 75572
New and Used Autos
4.49%
Up to 72 Months
▼
APR4.49%
TermUp to 72 Months
Last UpdatedApr 27, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
American Airlines Credit Union, Fort Worth, TX, 76155
New Auto
4.49%
Up to 60 months
▼
APR4.49%
TermUp to 60 months
Last UpdatedApr 27, 2026
Details
As Low As
Germania Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
PO Box 645, Brenham, TX, 77834 0645
New Vehicle
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMay 2, 2026
Details
As Low As; Up to 125% of MSRP with approved credit.
Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
17 S 1st St, Temple, TX, 76501 7603
New Auto
4.49%
72-month
▼
APR4.49%
Term72-month
Last UpdatedMay 2, 2026
Details
As Low As
TEXAS TECH
Institution Rating:
A5.0 ★ Texas Ratio: 8.53%
1802 Texas Tech Parkway, Lubbock, TX, 79409
New Auto Loan
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMay 2, 2026
Details
Odessa Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1006 E 7th St, Odessa, TX, 79761 4623
New & Used Vehicles
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedApr 8, 2026
Details
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2610 Network Blvd Ste 600, Frisco, TX, 75034 6009
New Cars and Trucks
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedApr 17, 2026
Details
Concho Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.64%
1002 S Abe St, San Angelo, TX, 76903 7240
New Auto
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As; for 48 months
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
5211 E Parkway St, Groves, TX, 77619
New & Used Auto
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedApr 25, 2026
Details
Port Arthur Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
3001 JIMMY JOHNSON BLVD, PORT ARTHUR, TX, 77642
New Car
4.50%
up to 60 month financing available
▼
APR4.50%
Termup to 60 month financing available
Last UpdatedApr 25, 2026
Details
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
2736 Nall St, Port Neches, TX, 77651 5204
New Auto Loans
4.50%
49-60
▼
APR4.50%
Term49-60
Last UpdatedMay 2, 2026
Details
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
2900 Decker Dr, Baytown, TX, 77520 2076
New Autos
4.54%
71 Months
▼
APR4.54%
Term71 Months
Last UpdatedMay 2, 2026
Details
As Low As; Fewer than 7,500 miles
Libertyone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.98%
4050 Alpha Rd Ste 120, Farmers Branch, TX, 75244
New and Used Automobiles
4.55%
24 months
▼
APR4.55%
Term24 months
Last UpdatedMay 2, 2026
Details
Keystone Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.48%
11877 County Road 492, Tyler, TX, 75706
New Vehicle
4.59%
60 Months
▼
APR4.59%
Term60 Months
Last UpdatedApr 19, 2026
Details
Rockdale Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
1821 W Cameron Ave, Rockdale, TX, 76567
New Vehicles
4.69%
48 Months
▼
APR4.69%
Term48 Months
Last UpdatedApr 18, 2026
Details
Lubbock Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2802 York Ave Unit D, LUBBOCK, TX, 79407 2632
New Auto Loan
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedApr 17, 2026
Details
Keystone Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.48%
11877 County Road 492, Tyler, TX, 75706
New Vehicle
4.74%
78 Months
▼
APR4.74%
Term78 Months
Last UpdatedApr 19, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX, 77073 5114
New Auto Loan Up to 36 Months
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As
TEXAS TECH
Institution Rating:
A5.0 ★ Texas Ratio: 8.53%
1802 Texas Tech Parkway, Lubbock, TX, 79409
New Auto Loan
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedMay 2, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
16597 Interstate 45 S, Conroe, TX, 77385
Auto Loan - New Vehicles
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedApr 8, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
16597 Interstate 45 S, Conroe, TX, 77385
New Auto Loans
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedApr 8, 2026
Details
Odessa Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1006 E 7th St, Odessa, TX, 79761 4623
New & Used Vehicles
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedApr 8, 2026
Details
Concho Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.64%
1002 S Abe St, San Angelo, TX, 76903 7240
New Auto
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As; for 60 months
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
5211 E Parkway St, Groves, TX, 77619
New & Used Auto
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedApr 25, 2026
Details
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.28%
3505 Wildewood Dr, San Angelo, TX, 76904
New Automobiles & Light Trucks
4.75%
60 mos.
▼
APR4.75%
Term60 mos.
Last UpdatedApr 25, 2026
Details
Libertyone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.98%
4050 Alpha Rd Ste 120, Farmers Branch, TX, 75244
New and Used Automobiles
4.75%
36 months
▼
APR4.75%
Term36 months
Last UpdatedMay 2, 2026
Details
Eastman Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
304 Central Avenue, Longview, TX, 75602
New Auto
4.75%
36 - 120 months
▼
APR4.75%
Term36 - 120 months
Last UpdatedMay 2, 2026
Details
As Low As
Prestige Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
15203 Knoll Trail Dr Ste 101, Dallas, TX, 75248
New Vehicle Loan (Car / Truck / SUV)
4.79%
60 Months
▼
APR4.79%
Term60 Months
Last UpdatedApr 8, 2026
Details
As Low As
The Peoples Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.00%
7200 Hillside Rd, Amarillo, TX, 79109 7460
New & Used Vehicles
4.79%
7 yrs**
▼
APR4.79%
Term7 yrs**
Last UpdatedApr 25, 2026
Details
MilWay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
5001 W 7th St, Texarkana, TX, 75501 6269
New/Used Vehicles (2026-older)
4.79%
Up to 51 Months
▼
APR4.79%
TermUp to 51 Months
Last UpdatedApr 27, 2026
Details
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.00%
1200 Belleview St, Dallas, TX, 75215 1837
New and Used Auto Loans
4.79%
36 months or less
▼
APR4.79%
Term36 months or less
Last UpdatedMay 2, 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 May 02, 2026. Rates are subject to change without notice.
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.00%
1200 Belleview St, Dallas, TX, 75215 1837
New and Used Auto Loans
4.84%
37 - 48 months
▼
APR4.84%
Term37 - 48 months
Last UpdatedMay 2, 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 May 02, 2026. Rates are subject to change without notice.
Generations Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.93%
1100 NW Loop 410, San Antonio, TX, 78213
New Auto Loan
4.85%
36 Months
▼
APR4.85%
Term36 Months
Last UpdatedApr 17, 2026
Details
As Low As; Rates listed include a discount of 0.35%, which may be applied to New and Used Auto Loans that are enrolled in automatic payments from a MyAdvantage Checking or MyAdvantage Plus Checking account at time of closing. Rates effective 02/23/2026.
BELTON
Institution Rating:
A-5.0 ★ Texas Ratio: 15.16%
400 N Wall St, Belton, TX, 76513
New Vehicle 2025 and newer
4.85%
48 Months
▼
APR4.85%
Term48 Months
Last UpdatedMay 2, 2026
Details
As Low As; rates are set according to credit rating
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.00%
1200 Belleview St, Dallas, TX, 75215 1837
New and Used Auto Loans
4.89%
49 - 60 months
▼
APR4.89%
Term49 - 60 months
Last UpdatedMay 2, 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 May 02, 2026. Rates are subject to change without notice.
1st University Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.48%
24 La Salle Ave unit C, Waco, TX, 76706
New Auto
4.90%
48 Months
▼
APR4.90%
Term48 Months
Last UpdatedApr 8, 2026
Details
As Low As
BELTON
Institution Rating:
A-5.0 ★ Texas Ratio: 15.16%
400 N Wall St, Belton, TX, 76513
New Vehicle 2025 and newer
4.90%
60 Months
▼
APR4.90%
Term60 Months
Last UpdatedMay 2, 2026
Details
As Low As; rates are set according to credit rating
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
4405 Summerhill Rd, Texarkana, TX, 75503
NEW! 2026 Auto Loan
4.95%
84 Months
▼
APR4.95%
Term84 Months
Last UpdatedApr 17, 2026
Details
As Low As
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
New Automobile (NA)
4.95%
61-72
▼
APR4.95%
Term61-72
Last UpdatedApr 18, 2026
Details
Grade: A+ (800+)
Neiman Marcus Group Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
1618 Main St, Dallas, TX, 75201 4720
New Cars
4.95%
Up to 60 Months
▼
APR4.95%
TermUp to 60 Months
Last UpdatedApr 25, 2026
Details
As Low As
Libertyone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.98%
4050 Alpha Rd Ste 120, Farmers Branch, TX, 75244
New and Used Automobiles
4.95%
48 months
▼
APR4.95%
Term48 months
Last UpdatedMay 2, 2026
Details
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
18211 Katy Fwy, Houston, TX, 77094 1395
New Autos
4.99%
37 - 60
▼
APR4.99%
Term37 - 60
Last UpdatedApr 8, 2026
Details
As Low As
Lubbock Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2802 York Ave Unit D, LUBBOCK, TX, 79407 2632
New Auto Loan
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedApr 17, 2026
Details
ACFCU
Institution Rating:
A+5.0 ★
6100 W Interstate 40, Amarillo, TX, 79106 2515
New & Used Vehicles
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedApr 17, 2026
Details
As Low As
Rockdale Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
1821 W Cameron Ave, Rockdale, TX, 76567
NEW VEHICLES
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As
Access Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.15%
6401 Bell St, Amarillo, TX, 79109
New Vehicles - 5 years and newer**
4.99%
37 to 72
▼
APR4.99%
Term37 to 72
Last UpdatedApr 19, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedApr 19, 2026
Details
As Low As
MilWay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
5001 W 7th St, Texarkana, TX, 75501 6269
New/Used Vehicles (2026- 2019)
4.99%
Up to 63 Months
▼
APR4.99%
TermUp to 63 Months
Last UpdatedApr 27, 2026
Details
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
Pre-Owned (Used) Automobile (UA)
2.95%
0-36
▼
APR2.95%
Term0-36
Last UpdatedApr 18, 2026
Details
Grade A+ (800+)
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
18211 Katy Fwy, Houston, TX, 77094 1395
New and Pre-Owned Autos
3.24%
12-36
▼
APR3.24%
Term12-36
Last UpdatedApr 8, 2026
Details
As Low As
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
18211 Katy Fwy, Houston, TX, 77094 1395
Pre-Owned Autos
3.24%
12 - 36
▼
APR3.24%
Term12 - 36
Last UpdatedApr 8, 2026
Details
As Low As
Lubrizol Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
205 Center St, Deer Park, TX, 77536 2735
New & Used Automobile
3.24%
24 Mo to 60 Mo
▼
APR3.24%
Term24 Mo to 60 Mo
Last UpdatedMay 2, 2026
Details
USE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
400 S Akard St, Dallas, TX, 75202 5324
New & Used Autos
3.49%
72 Months
▼
APR3.49%
Term72 Months
Last UpdatedApr 17, 2026
Details
As Low As
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
2900 Decker Dr, Baytown, TX, 77520 2076
Used Autos
3.49%
36 Months
▼
APR3.49%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As; Fewer than 100,000 miles
Victoria City County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.81%
205 N Bridge St Ste 111, Victoria, TX, 77901
New & Used Auto Loans
3.67%
36 to 72** Months
▼
APR3.67%
Term36 to 72** Months
Last UpdatedApr 26, 2026
Details
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2020 & Newer
3.73%
Up to 36 Months
▼
APR3.73%
TermUp to 36 Months
Last UpdatedMay 2, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2021 & Newer
3.80%
37 - 48 Months
▼
APR3.80%
Term37 - 48 Months
Last UpdatedMay 2, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2022 & Newer
3.86%
49 - 60 Months
▼
APR3.86%
Term49 - 60 Months
Last UpdatedMay 2, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2023 & Newer
3.92%
61 - 72 Months
▼
APR3.92%
Term61 - 72 Months
Last UpdatedMay 2, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
12611 Fuqua St, Houston, TX, 77034
Auto Loans - Used & New
3.94%
0-36
▼
APR3.94%
Term0-36
Last UpdatedApr 19, 2026
Details
As Low As
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
Pre-Owned (Used) Automobile (UA)
3.95%
37-60
▼
APR3.95%
Term37-60
Last UpdatedApr 18, 2026
Details
Grade A+ (800+)
Domino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
9978 FM 3129, Queen City, TX, 75572
New and Used Autos
3.95%
Up to 36 Months
▼
APR3.95%
TermUp to 36 Months
Last UpdatedApr 27, 2026
Details
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2025 & Newer
3.98%
73 - 84 Months
▼
APR3.98%
Term73 - 84 Months
Last UpdatedMay 2, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
Houston Highway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
8120 Washington Ave, Houston, TX, 77007
Used Vehicle Loan
3.99%
24 - 72+ Months
▼
APR3.99%
Term24 - 72+ Months
Last UpdatedApr 8, 2026
Details
Valwood Park Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
1001 E Crosby Rd, Carrollton, TX, 75006 7260
Used Auto/Refinance Auto
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedApr 27, 2026
Details
As Low As
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
5211 E Parkway St, Groves, TX, 77619
New & Used Auto
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedApr 25, 2026
Details
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.28%
3505 Wildewood Dr, San Angelo, TX, 76904
Used Automobiles & Light Trucks
4.00%
36 mos.
▼
APR4.00%
Term36 mos.
Last UpdatedApr 25, 2026
Details
Energy Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
18540 Northwest Fwy, Houston, TX, 77065
Used Autos
4.00%
60 - 84
▼
APR4.00%
Term60 - 84
Last UpdatedMay 2, 2026
Details
Mesquite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.76%
1510 N Galloway Ave, Mesquite, TX, 75149
New and Used Vehicles
4.10%
Up to 72 Months
▼
APR4.10%
TermUp to 72 Months
Last UpdatedApr 19, 2026
Details
As Low As
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
12611 Fuqua St, Houston, TX, 77034
Auto Loans - Used & New
4.14%
49-60
▼
APR4.14%
Term49-60
Last UpdatedApr 19, 2026
Details
As Low As
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
American Airlines Credit Union, Fort Worth, TX, 76155
Used Auto
4.24%
Up to 36 Months
▼
APR4.24%
TermUp to 36 Months
Last UpdatedApr 27, 2026
Details
As Low As
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
2736 Nall St, Port Neches, TX, 77651 5204
Used Auto Loans
4.25%
0-24
▼
APR4.25%
Term0-24
Last UpdatedMay 2, 2026
Details
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
12611 Fuqua St, Houston, TX, 77034
Auto Loans - Used & New
4.29%
61-72
▼
APR4.29%
Term61-72
Last UpdatedApr 19, 2026
Details
As Low As
The Peoples Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.00%
7200 Hillside Rd, Amarillo, TX, 79109 7460
New & Used Vehicles
4.29%
3 yrs*
▼
APR4.29%
Term3 yrs*
Last UpdatedApr 25, 2026
Details
As Low As
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
2900 Decker Dr, Baytown, TX, 77520 2076
Used Autos
4.29%
48 Months
▼
APR4.29%
Term48 Months
Last UpdatedMay 2, 2026
Details
As Low As; Fewer than 100,000 miles
Southwest Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.40%
1750 Valley View Ln Ste 110, Farmers Branch, TX, 75234 9024
Used Auto
4.39%
72 Months
▼
APR4.39%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As
Swemp Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
601 OLIVE ST, TEXARKANA, TX, 75501
Pre-Owned Autos
4.45%
84 Months
▼
APR4.45%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As; * As Low As (Based On Credit Score And Loan Term)
Prestige Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
15203 Knoll Trail Dr Ste 101, Dallas, TX, 75248
Used Vehicle Loan (Car / Truck / SUV)
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedApr 8, 2026
Details
As Low As
Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.83%
4800 GROVER AVE, AUSTIN, TX, 78756
New and Used Vehicles
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As; Up to 48 Months
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.73%
13649 Montfort Dr, Dallas, TX, 75240 2521
Auto Loans Used
4.49%
54 months
▼
APR4.49%
Term54 months
Last UpdatedApr 19, 2026
Details
As Low As
Domino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
9978 FM 3129, Queen City, TX, 75572
New and Used Autos
4.49%
Up to 72 Months
▼
APR4.49%
TermUp to 72 Months
Last UpdatedApr 27, 2026
Details
Valwood Park Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
1001 E Crosby Rd, Carrollton, TX, 75006 7260
Used Auto/Refinance Auto
4.49%
Up to 48 months
▼
APR4.49%
TermUp to 48 months
Last UpdatedApr 27, 2026
Details
As Low As
Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
17 S 1st St, Temple, TX, 76501 7603
Pre-Owned Auto
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As
Odessa Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1006 E 7th St, Odessa, TX, 79761 4623
New & Used Vehicles
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedApr 8, 2026
Details
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2610 Network Blvd Ste 600, Frisco, TX, 75034 6009
Used Cars and Trucks
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedApr 17, 2026
Details
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
5211 E Parkway St, Groves, TX, 77619
New & Used Auto
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedApr 25, 2026
Details
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
2736 Nall St, Port Neches, TX, 77651 5204
Used Auto Loans
4.50%
49-60
▼
APR4.50%
Term49-60
Last UpdatedMay 2, 2026
Details
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
2900 Decker Dr, Baytown, TX, 77520 2076
Used Autos
4.54%
71 Months
▼
APR4.54%
Term71 Months
Last UpdatedMay 2, 2026
Details
As Low As; Fewer than 100,000 miles
Libertyone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.98%
4050 Alpha Rd Ste 120, Farmers Branch, TX, 75244
New and Used Automobiles
4.55%
24 months
▼
APR4.55%
Term24 months
Last UpdatedMay 2, 2026
Details
Cherokee County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.87%
145 FM 2972 W, RUSK, TX, 75785
Used Car Loan
4.60%
72 months
▼
APR4.60%
Term72 months
Last UpdatedApr 25, 2026
Details
Rates as low as 4.60%. Apply today.
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
4849 N Mesa St, El Paso, TX, 79912
Used Auto Loans
4.74%
36 months
▼
APR4.74%
Term36 months
Last UpdatedApr 17, 2026
Details
As Low As; Qualified buyers: Take 90 days to make your first payment.
Lubbock Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2802 York Ave Unit D, LUBBOCK, TX, 79407 2632
Used Auto Loan
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedApr 17, 2026
Details
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.73%
13649 Montfort Dr, Dallas, TX, 75240 2521
Auto Loans Used
4.74%
72 months
▼
APR4.74%
Term72 months
Last UpdatedApr 19, 2026
Details
As Low As
Valwood Park Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
1001 E Crosby Rd, Carrollton, TX, 75006 7260
Used Auto/Refinance Auto
4.74%
Up to 60 months
▼
APR4.74%
TermUp to 60 months
Last UpdatedApr 27, 2026
Details
As Low As
Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
17 S 1st St, Temple, TX, 76501 7603
Pre-Owned Auto
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedMay 2, 2026
Details
As Low As
TEXAS TECH
Institution Rating:
A5.0 ★ Texas Ratio: 8.53%
1802 Texas Tech Parkway, Lubbock, TX, 79409
Used Auto Loan
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMay 2, 2026
Details
Odessa Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1006 E 7th St, Odessa, TX, 79761 4623
New & Used Vehicles
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedApr 8, 2026
Details
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
5211 E Parkway St, Groves, TX, 77619
New & Used Auto
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedApr 25, 2026
Details
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.28%
3505 Wildewood Dr, San Angelo, TX, 76904
Used Automobiles & Light Trucks
4.75%
60 mos.
▼
APR4.75%
Term60 mos.
Last UpdatedApr 25, 2026
Details
Libertyone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.98%
4050 Alpha Rd Ste 120, Farmers Branch, TX, 75244
New and Used Automobiles
4.75%
36 months
▼
APR4.75%
Term36 months
Last UpdatedMay 2, 2026
Details
Prestige Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
15203 Knoll Trail Dr Ste 101, Dallas, TX, 75248
Used Vehicle Loan (Car / Truck / SUV)
4.79%
60 Months
▼
APR4.79%
Term60 Months
Last UpdatedApr 8, 2026
Details
As Low As
The Peoples Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.00%
7200 Hillside Rd, Amarillo, TX, 79109 7460
New & Used Vehicles
4.79%
7 yrs**
▼
APR4.79%
Term7 yrs**
Last UpdatedApr 25, 2026
Details
MilWay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
5001 W 7th St, Texarkana, TX, 75501 6269
New/Used Vehicles (2026-older)
4.79%
Up to 51 Months
▼
APR4.79%
TermUp to 51 Months
Last UpdatedApr 27, 2026
Details
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.00%
1200 Belleview St, Dallas, TX, 75215 1837
New and Used Auto Loans
4.79%
36 months or less
▼
APR4.79%
Term36 months or less
Last UpdatedMay 2, 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 May 02, 2026. Rates are subject to change without notice.
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.00%
1200 Belleview St, Dallas, TX, 75215 1837
New and Used Auto Loans
4.84%
37 - 48 months
▼
APR4.84%
Term37 - 48 months
Last UpdatedMay 2, 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 May 02, 2026. Rates are subject to change without notice.
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.00%
1200 Belleview St, Dallas, TX, 75215 1837
New and Used Auto Loans
4.89%
49 - 60 months
▼
APR4.89%
Term49 - 60 months
Last UpdatedMay 2, 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 May 02, 2026. Rates are subject to change without notice.
1st University Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.48%
24 La Salle Ave unit C, Waco, TX, 76706
Used Auto
4.90%
36 Months
▼
APR4.90%
Term36 Months
Last UpdatedApr 8, 2026
Details
As Low As; Models up to 5 Years Old; $14,999.99 or Less
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
4849 N Mesa St, El Paso, TX, 79912
Used Auto Loans
4.90%
48 months
▼
APR4.90%
Term48 months
Last UpdatedApr 17, 2026
Details
As Low As; Qualified buyers: Take 90 days to make your first payment.
Keystone Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.48%
11877 County Road 492, Tyler, TX, 75706
Used Vehicle
4.94%
60 Months
▼
APR4.94%
Term60 Months
Last UpdatedApr 19, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
Pre-Owned (Used) Automobile (UA)
4.95%
61-72
▼
APR4.95%
Term61-72
Last UpdatedApr 18, 2026
Details
Grade A+ (800+)
Libertyone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.98%
4050 Alpha Rd Ste 120, Farmers Branch, TX, 75244
New and Used Automobiles
4.95%
48 months
▼
APR4.95%
Term48 months
Last UpdatedMay 2, 2026
Details
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
18211 Katy Fwy, Houston, TX, 77094 1395
Pre-Owned Autos
4.99%
37 - 60
▼
APR4.99%
Term37 - 60
Last UpdatedApr 8, 2026
Details
As Low As
Lubbock Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2802 York Ave Unit D, LUBBOCK, TX, 79407 2632
Used Auto Loan
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 17, 2026
Details
ACFCU
Institution Rating:
A+5.0 ★
6100 W Interstate 40, Amarillo, TX, 79106 2515
New & Used Vehicles
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedApr 17, 2026
Details
As Low As
Rockdale Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
1821 W Cameron Ave, Rockdale, TX, 76567
Used Vehicles
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedApr 18, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
American Airlines Credit Union, Fort Worth, TX, 76155
Used Auto
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedApr 27, 2026
Details
As Low As
MilWay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
5001 W 7th St, Texarkana, TX, 75501 6269
New/Used Vehicles (2026- 2019)
4.99%
Up to 63 Months
▼
APR4.99%
TermUp to 63 Months
Last UpdatedApr 27, 2026
Details
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MonitorBankRates
Texas Auto Loan Rate Trends
Compare local Texas auto loan rates against the statewide average
Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
New Auto Loan — TX Avg
5.187%
▼ 0.025 vs 7 days ago
Texas new auto rates fell 0.025 points over the past 7 days to 5.187% APR.
Used Auto Loan — TX Avg
5.649%
▼ 0.028 vs 7 days ago
Texas used auto rates fell 0.028 points over the past 7 days to 5.649% APR.
As of May 5, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions about Auto Loans in Texas
How does my credit score affect my car loan rate in Texas?
Your credit score is the biggest factor determining your auto loan APR. Borrowers in Texas with excellent credit (750+) qualify for the lowest rates, while those with lower scores will see significantly higher interest costs.
Is it better to finance through a dealership or a bank?
It is highly recommended to get pre-approved through a local bank or credit union in Texas *before* visiting a dealership. Dealerships often mark up interest rates to make a profit.
What is the difference between New and Used Auto Loan rates?
Lenders in Texas typically offer lower interest rates for new cars because they are easier to value and represent less risk. Used car loans generally carry slightly higher APRs.
How long should my auto loan term be?
While 72-month and 84-month loans lower your monthly payment, they cost you far more in total interest. The ideal auto loan term is 60 months or less.
What are the best Auto Loan rates in Texas?
Based on our current data, some of the lowest auto loan rates available in Texas include:
- IBEW Local 66 Federal Credit Union: 2.95% (New Automobile (NA))
- TEXOMA EDUCATORS: 2.99% (New vehicles)
- Members Choice Credit Union: 3.24% (New and Pre-Owned Autos)
- Lubrizol Employees Credit Union: 3.24% (New & Used Automobile)
- Baxter Credit Union: 3.24% (Auto Loans)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Texas. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 4, 2026
Auto Loan Rates by City in Texas
Rate Assistant
MonitorBankRates.com · Live Data
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