Texas Best Auto Loan Rates - August 2026
Content reviewed by
Brian McKay
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Editorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Texas. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Texas include BELTONBELTON400 N Wall St, Belton, TX, 76513A-5.0 ★Texas Ratio: 1.55% offering New Vehicle Loan at 1.99%, Mclennan County Employees Federal Credit UnionMclennan County Employees Federal Credit Union215 N 5th St Ste 224, Waco, TX, 76701 1364A+5.0 ★Texas Ratio: 0.00% offering New Vehicles Loan at 2.00%, Southern Federal Credit UnionSouthern Federal Credit Union1414 Enclave Pkwy Ste 250, Houston, TX, 77077 2023A+5.0 ★Texas Ratio: 3.11% offering Auto Loans at 2.50%, HIGHWAY DISTRICT 21HIGHWAY DISTRICT 21600 W Ferguson St, Pharr, TX, 78577A+5.0 ★Texas Ratio: 0.75% offering Vehicle Loan at 2.50%, IBEW Local 66 Federal Credit UnionIBEW Local 66 Federal Credit Union4345 ALLEN GENOA RD, PASADENA, TX, 77504A+5.0 ★Texas Ratio: 1.92% offering Auto Loans at 2.95%. Auto loan rates as of August 28, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare auto loan rates across Texas side-by-side. Texas auto loan rates currently start as low as 1.99% APR from BELTON at 400 N Wall St, Belton, TX, 76513. Rates are continually updated — 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: August 28, 2026
Compare Auto Loan Rates Today in Texas
Texas Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
BELTON
Institution Rating:
A-5.0 ★ Texas Ratio: 1.55%
400 N Wall St, Belton, TX, 76513
New Vehicle Loan
1.99%
1 yr.
▼
APR1.99%
Term1 yr.
Last UpdatedAug 28, 2026
Details
For all 1 yr. old or newer vehicles. Cars, trucks, RVs or tractors. Pending credit approval
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
New Vehicles Loan
2.00%
60 Months
▼
APR2.00%
Term60 Months
Last UpdatedAug 28, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2016-2017 Loan
2.00%
36 Months
▼
APR2.00%
Term36 Months
Last UpdatedAug 28, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2018-2020 Loan
2.00%
48 Months
▼
APR2.00%
Term48 Months
Last UpdatedAug 28, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
New Vehicles Loan
2.25%
72 Months
▼
APR2.25%
Term72 Months
Last UpdatedAug 28, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2014-2015 Loan
2.25%
36 Months
▼
APR2.25%
Term36 Months
Last UpdatedAug 28, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2016-2017 Loan
2.25%
48 Months
▼
APR2.25%
Term48 Months
Last UpdatedAug 28, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2018-2020 Loan
2.25%
60 Months
▼
APR2.25%
Term60 Months
Last UpdatedAug 28, 2026
Details
As Low As; With Approved Credit
Southern Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
1414 Enclave Pkwy Ste 250, Houston, TX, 77077 2023
Auto Loans
2.50%
84 months
▼
APR2.50%
Term84 months
Last UpdatedAug 28, 2026
Details
As low as 2.50% APR. Rates of 2.50% to 14.90% APR available depending on term. Rate assumes discount of up to 1.00%. Vehicle discounts include the purchase of vehicle protection products, setting up direct deposit, automatic payments, and a down payment. Credit subject to approval. Must be a member in good standing.
HIGHWAY DISTRICT 21
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
600 W Ferguson St, Pharr, TX, 78577
Vehicle Loan
2.50%
36 months
▼
APR2.50%
Term36 months
Last UpdatedAug 28, 2026
Details
2026, 2025, 2024
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2013 & Older Loan
2.75%
36 Months
▼
APR2.75%
Term36 Months
Last UpdatedAug 28, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2014-2015 Loan
2.75%
48 Months
▼
APR2.75%
Term48 Months
Last UpdatedAug 28, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2016-2017 Loan
2.75%
60 Months
▼
APR2.75%
Term60 Months
Last UpdatedAug 28, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2018-2020 Loan
2.75%
72 Months
▼
APR2.75%
Term72 Months
Last UpdatedAug 28, 2026
Details
As Low As; With Approved Credit
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
Auto Loans
2.95%
up to 84 months
▼
APR2.95%
Termup to 84 months
Last UpdatedAug 28, 2026
Details
As Low As; 1.50% length of Membership Incentive Interest Rate Discount
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
New Automobile (NA) - 0-36 Months
2.95%
36 Months
▼
APR2.95%
Term36 Months
Last UpdatedAug 28, 2026
Details
A+ (800+)
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
New Automobile Loan
2.95%
0-36 Months
▼
APR2.95%
Term0-36 Months
Last UpdatedAug 28, 2026
Details
As Low As
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
Pre-Owned (Used) Automobile
2.95%
0-36 Months
▼
APR2.95%
Term0-36 Months
Last UpdatedAug 28, 2026
Details
As Low As
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
Pre-Owned (Used) Automobile (UA) - 0-36 Months
2.95%
36 Months
▼
APR2.95%
Term36 Months
Last UpdatedAug 28, 2026
Details
A+ (800+)
HIGHWAY DISTRICT 21
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
600 W Ferguson St, Pharr, TX, 78577
Vehicle Loan (2026)
2.99%
48 months
▼
APR2.99%
Term48 months
Last UpdatedAug 28, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
506 W Lamar St, Sherman, TX, 75090 5840
New vehicles Loan
2.99%
0-36 months
▼
APR2.99%
Term0-36 months
Last UpdatedAug 28, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
506 W Lamar St, Sherman, TX, 75090 5840
New vehicles: 0-36 months Loan
2.99%
36 Months
▼
APR2.99%
Term36 Months
Last UpdatedAug 28, 2026
Details
Rates below are based on a minimum credit score of 700.
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
5211 E Parkway St, Groves, TX, 77619
New Auto
3.00%
Up to 36 months
▼
APR3.00%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.48%
2302 Church St, Galveston, TX, 77550
Vehicle Loans 0-36 Months
3.01%
36 Months
▼
APR3.01%
Term36 Months
Last UpdatedAug 28, 2026
Details
A+ Credit*
Victoria City County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
205 N Bridge St Ste 111, Victoria, TX, 77901
New & Used Auto Loans
3.20%
36 to 72 Months
▼
APR3.20%
Term36 to 72 Months
Last UpdatedAug 28, 2026
Details
Fixed
Lubrizol Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.17%
205 Center St, Deer Park, TX, 77536 2735
New & Used Automobile
3.24%
24 Mo to 60 Mo
▼
APR3.24%
Term24 Mo to 60 Mo
Last UpdatedAug 28, 2026
Details
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
18211 Katy Fwy, Houston, TX, 77094 1395
Auto Loan
3.24%
12 Months
▼
APR3.24%
Term12 Months
Last UpdatedAug 28, 2026
Details
As Low As; Other terms available.
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
18211 Katy Fwy, Houston, TX, 77094 1395
New and Pre-Owned Autos
3.24%
12-36 Months
▼
APR3.24%
Term12-36 Months
Last UpdatedAug 28, 2026
Details
As low as
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
18211 Katy Fwy, Houston, TX, 77094 1395
New Autos
3.24%
12 - 36 months
▼
APR3.24%
Term12 - 36 months
Last UpdatedAug 28, 2026
Details
Rates as low as*
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
18211 Katy Fwy, Houston, TX, 77094 1395
Pre-Owned Autos
3.24%
12 - 36 months
▼
APR3.24%
Term12 - 36 months
Last UpdatedAug 28, 2026
Details
Rates as low as*
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.48%
2302 Church St, Galveston, TX, 77550
Vehicle Loans 0-36 Months
3.26%
36 Months
▼
APR3.26%
Term36 Months
Last UpdatedAug 28, 2026
Details
A Credit*
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.48%
2302 Church St, Galveston, TX, 77550
Vehicle Loans 37-48 Months
3.26%
48 Months
▼
APR3.26%
Term48 Months
Last UpdatedAug 28, 2026
Details
A+ Credit*
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
American Airlines Credit Union, Fort Worth, TX, 76155
New Auto
3.34%
Up to 36 Months
▼
APR3.34%
TermUp to 36 Months
Last UpdatedAug 28, 2026
Details
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective June 1, 2026.
Northeast Texas Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
3320 Lamar Ave, Paris, TX, 75460 5024
New Autos
3.40%
60 mos.
▼
APR3.40%
Term60 mos.
Last UpdatedAug 28, 2026
Details
Northeast Texas Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
3320 Lamar Ave, Paris, TX, 75460 5024
Used Vehicle - 2025 Loan
3.40%
60 mos.
▼
APR3.40%
Term60 mos.
Last UpdatedAug 28, 2026
Details
Northeast Texas Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
3320 Lamar Ave, Paris, TX, 75460 5024
Used Vehicle - 2026-2027 Loan
3.40%
60 mos.
▼
APR3.40%
Term60 mos.
Last UpdatedAug 28, 2026
Details
USE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.86%
400 S Akard St, Dallas, TX, 75202 5324
New & Used Autos
3.49%
Up to 36 months
▼
APR3.49%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details
As Low As
Brazos Star Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
701 Harvey Rd, College Station, TX, 77840
New, current year model vehicles and up to three calendar years old with low mileage Loan
3.49%
Up to 36 Months
▼
APR3.49%
TermUp to 36 Months
Last UpdatedAug 28, 2026
Details
As low as; Take a courtesy credit of 0.25%, if financed less than 36 months
Education First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.62%
740 Fannin St, Beaumont, TX, 77701
New and Used Vehicle Loan
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedAug 28, 2026
Details
The APR shown reflects our best rate including discounts and may be different based on credit underwriting or services used. All rates are subject to change without notice.
5Point Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.94%
3700 Skyline Dr, Nederland, TX, 77627 8303
Auto Loan
3.50%
36 months
▼
APR3.50%
Term36 months
Last UpdatedAug 28, 2026
Details
Barksdale Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.43%
1507 Pine Tree Rd, Longview, TX, 75604 2350
2019 & Newer Auto Loan
3.69%
Up to 78 Months
▼
APR3.69%
TermUp to 78 Months
Last UpdatedAug 28, 2026
Details
Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
183 E Price Rd, Brownsville, TX, 78521
New Auto Loan
3.70%
up to 75 Months
▼
APR3.70%
Termup to 75 Months
Last UpdatedAug 28, 2026
Details
Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
183 E Price Rd, Brownsville, TX, 78521
New Auto Loan up to 75 Months
3.70%
75 Months
▼
APR3.70%
Term75 Months
Last UpdatedAug 28, 2026
Details
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
2900 Decker Dr, Baytown, TX, 77520 2076
New Autos
3.74%
Up to 36 Months
▼
APR3.74%
TermUp to 36 Months
Last UpdatedAug 28, 2026
Details
Fewer than 7,500 miles
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
2900 Decker Dr, Baytown, TX, 77520 2076
Used Autos
3.74%
Up to 36 Months
▼
APR3.74%
TermUp to 36 Months
Last UpdatedAug 28, 2026
Details
Fewer than 100,000 miles
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
676 Magnolia Ave, Port Neches, TX, 77651
New Auto Loan
3.75%
36 months
▼
APR3.75%
Term36 months
Last UpdatedAug 28, 2026
Details
Minimum Invoice Amount: $30,000; Rates are as low as shown.
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
676 Magnolia Ave, Port Neches, TX, 77651
Used Auto Loan
3.75%
Up to 36 months
▼
APR3.75%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details
All model years; Vehicles with less than 20k miles
Education First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.62%
740 Fannin St, Beaumont, TX, 77701
New and Used Vehicle Loan
3.75%
60 Months
▼
APR3.75%
Term60 Months
Last UpdatedAug 28, 2026
Details
The APR shown reflects our best rate including discounts and may be different based on credit underwriting or services used. All rates are subject to change without notice.
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.48%
2302 Church St, Galveston, TX, 77550
Vehicle Loans 0-36 Months
3.76%
36 Months
▼
APR3.76%
Term36 Months
Last UpdatedAug 28, 2026
Details
B Credit*
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.48%
2302 Church St, Galveston, TX, 77550
Vehicle Loans 37-48 Months
3.76%
48 Months
▼
APR3.76%
Term48 Months
Last UpdatedAug 28, 2026
Details
A Credit*
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.48%
2302 Church St, Galveston, TX, 77550
Vehicle Loans 49-60 Months
3.76%
60 Months
▼
APR3.76%
Term60 Months
Last UpdatedAug 28, 2026
Details
A+ Credit*
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
American Airlines Credit Union, Fort Worth, TX, 76155
Used Auto
3.84%
Up to 36 Months
▼
APR3.84%
TermUp to 36 Months
Last UpdatedAug 28, 2026
Details
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective June 1, 2026.
Northeast Texas Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
3320 Lamar Ave, Paris, TX, 75460 5024
New Autos
3.90%
72 mos.
▼
APR3.90%
Term72 mos.
Last UpdatedAug 28, 2026
Details
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
12611 Fuqua St, Houston, TX, 77034
Used & New Auto Loans
3.94%
0-36 months
▼
APR3.94%
Term0-36 months
Last UpdatedAug 28, 2026
Details
As Low As; *
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
2801 N 6th St, Abilene, TX, 79603
New Auto Loans - Cars and Light Trucks
3.95%
1 - 84 months
▼
APR3.95%
Term1 - 84 months
Last UpdatedAug 28, 2026
Details
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
2801 N 6th St, Abilene, TX, 79603
Used Auto Loans - Cars and Light Trucks - 2024
3.95%
1 - 84 months
▼
APR3.95%
Term1 - 84 months
Last UpdatedAug 28, 2026
Details
Model Year: 2024
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
2801 N 6th St, Abilene, TX, 79603
Used Auto Loans - Cars and Light Trucks - 2025
3.95%
1 - 84 months
▼
APR3.95%
Term1 - 84 months
Last UpdatedAug 28, 2026
Details
Model Year: 2025
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
New Automobile (NA) - 0-36 Months
3.95%
36 Months
▼
APR3.95%
Term36 Months
Last UpdatedAug 28, 2026
Details
A (720-799)
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
New Automobile (NA) - 37-60 Months
3.95%
60 Months
▼
APR3.95%
Term60 Months
Last UpdatedAug 28, 2026
Details
A+ (800+)
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
New Automobile Loan
3.95%
37-60 Months
▼
APR3.95%
Term37-60 Months
Last UpdatedAug 28, 2026
Details
As Low As
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
Pre-Owned (Used) Automobile
3.95%
37-60 Months
▼
APR3.95%
Term37-60 Months
Last UpdatedAug 28, 2026
Details
As Low As
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
Pre-Owned (Used) Automobile (UA) - 0-36 Months
3.95%
36 Months
▼
APR3.95%
Term36 Months
Last UpdatedAug 28, 2026
Details
A (720-799)
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
Pre-Owned (Used) Automobile (UA) - 37-60 Months
3.95%
60 Months
▼
APR3.95%
Term60 Months
Last UpdatedAug 28, 2026
Details
A+ (800+)
Brazos Star Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
701 Harvey Rd, College Station, TX, 77840
New, current year model vehicles and up to three calendar years old with low mileage Loan
3.95%
48 to 60 Months
▼
APR3.95%
Term48 to 60 Months
Last UpdatedAug 28, 2026
Details
As low as
Tyler City Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.88%
3711 Frankston Hwy, Tyler, TX, 75701
New & Used Auto
3.95%
Up to 60 months
▼
APR3.95%
TermUp to 60 months
Last UpdatedAug 28, 2026
Details
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
8800 US Highway 380, Cross Roads, TX, 76227
Repo Vehicle Loans
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedAug 28, 2026
Details
Fixed Rate
Texasgulf Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
2101 N Fulton st, Wharton, TX, 77488
New or used vehicle Loan
3.99%
up to 36 months
▼
APR3.99%
Termup to 36 months
Last UpdatedAug 28, 2026
Details
As Low As; New or used vehicle up to 36 months.
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
5953 Fairmont Pkwy, Pasadena, TX, 77505
Auto Loan
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details
Maximum Loan Discount: 0.75%
Sweetwater Regional Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1900 Preston Rd, Sweetwater, TX, 79556
New Titled Vehicle Loan
3.99%
up to 84 months
▼
APR3.99%
Termup to 84 months
Last UpdatedAug 28, 2026
Details
As Low As; up to 18.00%**; Fixed
Sweetwater Regional Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1900 Preston Rd, Sweetwater, TX, 79556
Used Titled Vehicle Loan
3.99%
up to 60 months
▼
APR3.99%
Termup to 60 months
Last UpdatedAug 28, 2026
Details
As Low As; up to 18.00%**; Fixed
Secured Advantage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.74%
903 W Highway St, Iowa Park, TX, 76367 1180
New Auto Loans
3.99%
Up to 84 months
▼
APR3.99%
TermUp to 84 months
Last UpdatedAug 28, 2026
Details
Depending on Age
Secured Advantage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.74%
903 W Highway St, Iowa Park, TX, 76367 1180
Vehicles Loan
3.99%
Up to 84 months, Depending on Age
▼
APR3.99%
TermUp to 84 months, Depending on Age
Last UpdatedAug 28, 2026
Details
As Low As
Austin Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.18%
1900 Woodward St, Austin, TX, 78741
Used Vehicles Loan
3.99%
48 months
▼
APR3.99%
Term48 months
Last UpdatedAug 28, 2026
Details
LIFE Federal Credit Union
Institution Rating:
C-3.7 ★ Texas Ratio: 27.61%
3351 Unicorn Lake Blvd, Denton, TX, 76210
Repo Vehicle Loans 60 Months Fixed Rate
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedAug 28, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
14090 Southwest Fwy Ste 260, Sugar Land, TX, 77478 3678
New Auto Loan
3.99%
36 months
▼
APR3.99%
Term36 months
Last UpdatedAug 28, 2026
Details
As Low As; Qualifying rate - Conditions apply; Up to $250,000
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
14090 Southwest Fwy Ste 260, Sugar Land, TX, 77478 3678
Used Auto Loan
3.99%
36 months
▼
APR3.99%
Term36 months
Last UpdatedAug 28, 2026
Details
As Low As; Up to 5 Years old / 2021+; Up to $250,000
SPCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.14%
12755 N Houston Rosslyn Rd, Houston, TX, 77086
Auto Loan
3.99%
36 months
▼
APR3.99%
Term36 months
Last UpdatedAug 28, 2026
Details
For a $1,000 loan over 36 months at 3.99% APR, you will make 36 payments of $29.53. Discounted rate. $200 cash bonus. No payments for 90 days.
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
24909 Kuykendahl Rd, Tomball, TX, 77375 3295
NEW Autos - Up to 36 Months
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedAug 28, 2026
Details
As Low As; Rates as low as 3.99% - 13.00%
United Energy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
8790 FM 1960 Bypass Rd W Ste 500A, Humble, TX, 77338 3950
New/Used Auto (up to 5 years old)
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedAug 28, 2026
Details
Prestige Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.68%
15203 Knoll Trail Dr Ste 101, Dallas, TX, 75248
Vehicle Loans Up to 36 Months
3.99%
Up to 36 Months
▼
APR3.99%
TermUp to 36 Months
Last UpdatedAug 28, 2026
Details
Prestige Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.68%
15203 Knoll Trail Dr Ste 101, Dallas, TX, 75248
Vehicle Loans Up to 48 Months
3.99%
Up to 48 Months
▼
APR3.99%
TermUp to 48 Months
Last UpdatedAug 28, 2026
Details
Prestige Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.68%
15203 Knoll Trail Dr Ste 101, Dallas, TX, 75248
Vehicle Loans Up to 60 Months
3.99%
Up to 60 Months
▼
APR3.99%
TermUp to 60 Months
Last UpdatedAug 28, 2026
Details
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
13649 Montfort Dr, Dallas, TX, 75240 2521
New Auto Loans 54 months or Less
3.99%
54 months or Less
▼
APR3.99%
Term54 months or Less
Last UpdatedAug 28, 2026
Details
As low as
Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
11920 Alterra Pkwy, Austin, TX, 78758
Auto Loan
3.99%
up to 36 months
▼
APR3.99%
Termup to 36 months
Last UpdatedAug 28, 2026
Details
As Low As; *
Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
11920 Alterra Pkwy, Austin, TX, 78758
Auto Loans
3.99%
60 months
▼
APR3.99%
Term60 months
Last UpdatedAug 28, 2026
Details
on new loans, not eligible for in-house refinance
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto Loan
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details
United Heritage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.17%
12208 N Mopac Expy, Austin, TX, 78758
New/Used Auto Loan
3.99%
0 to 36 Months
▼
APR3.99%
Term0 to 36 Months
Last UpdatedAug 28, 2026
Details
As Low As
First Service Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
3923 5th St, Brookshire, TX, 77423
Auto Loan
3.99%
36 - 84 months
▼
APR3.99%
Term36 - 84 months
Last UpdatedAug 28, 2026
Details
As Low As
Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.19%
17 S 1st St, Temple, TX, 76501 7603
New Auto
3.99%
36-month
▼
APR3.99%
Term36-month
Last UpdatedAug 28, 2026
Details
As low as*
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
506 W Lamar St, Sherman, TX, 75090 5840
New vehicles Loan
3.99%
37-48 months
▼
APR3.99%
Term37-48 months
Last UpdatedAug 28, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
506 W Lamar St, Sherman, TX, 75090 5840
New vehicles: 37-48 months Loan
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedAug 28, 2026
Details
Rates below are based on a minimum credit score of 700.
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2610 Network Blvd Ste 600, Frisco, TX, 75034 6009
New Cars and Trucks Loan
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedAug 28, 2026
Details
Sabine Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
1939 Strickland Dr, Orange, TX, 77630 2901
New or Used Autos or Harley Davidson Motorcycles (36 months or less)
4.00%
36 months or less
▼
APR4.00%
Term36 months or less
Last UpdatedAug 28, 2026
Details
Temple Inland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
109 N Temple Dr, Diboll, TX, 75941
New & Used Auto
4.00%
36-60
▼
APR4.00%
Term36-60
Last UpdatedAug 28, 2026
Details
Tier 1 750-up
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
676 Magnolia Ave, Port Neches, TX, 77651
New Auto Loan
4.00%
48 months
▼
APR4.00%
Term48 months
Last UpdatedAug 28, 2026
Details
Minimum Invoice Amount: $30,000; Rates are as low as shown.
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
676 Magnolia Ave, Port Neches, TX, 77651
Used Auto Loan
4.00%
Up to 48 months
▼
APR4.00%
TermUp to 48 months
Last UpdatedAug 28, 2026
Details
All model years; Vehicles with less than 20k miles
Port Arthur Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
3001 JIMMY JOHNSON BLVD, PORT ARTHUR, TX, 77642
New Car Loan
4.00%
up to 60 month financing available
▼
APR4.00%
Termup to 60 month financing available
Last UpdatedAug 28, 2026
Details
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.62%
3505 Wildewood Dr, San Angelo, TX, 76904
New Automobiles & Light Trucks
4.00%
36 mos.
▼
APR4.00%
Term36 mos.
Last UpdatedAug 28, 2026
Details
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.62%
3505 Wildewood Dr, San Angelo, TX, 76904
Used Automobiles & Light Trucks
4.00%
36 mos.
▼
APR4.00%
Term36 mos.
Last UpdatedAug 28, 2026
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.76%
8500 W Bay Rd # 32, Baytown, TX, 77523 8727
New/Used Vehicles 730+ A+ Loan
4.00%
24 Mo.
▼
APR4.00%
Term24 Mo.
Last UpdatedAug 28, 2026
Details
Gulf Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.27%
5140 W Parkway St, Groves, TX, 77619
New & Used Autos
4.00%
36 months
▼
APR4.00%
Term36 months
Last UpdatedAug 28, 2026
Details
As Low As
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
16597 Interstate 45 S, Conroe, TX, 77385
Auto Loan - New Vehicles 24 Months
4.00%
24 Months
▼
APR4.00%
Term24 Months
Last UpdatedAug 28, 2026
Details
Fixed Rate
Concho Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
1002 S Abe St, San Angelo, TX, 76903 7240
New Auto
4.00%
36 months
▼
APR4.00%
Term36 months
Last UpdatedAug 28, 2026
Details
As low as; Maximum Loan: 100%
Concho Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
1002 S Abe St, San Angelo, TX, 76903 7240
Used Autos
4.00%
24 to 60 months
▼
APR4.00%
Term24 to 60 months
Last UpdatedAug 28, 2026
Details
As low as; Maximum Loan: NADA RETAIL VALUE
Service 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
10001 Jack Finney Blvd, Greenville, TX, 75402
New Vehicle Loan
4.00%
up to 94 months
▼
APR4.00%
Termup to 94 months
Last UpdatedAug 28, 2026
Details
Southern Star Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
16035 W Little York Rd, Houston, TX, 77084
New Auto Loans
4.00%
Up to 36 Months
▼
APR4.00%
TermUp to 36 Months
Last UpdatedAug 28, 2026
Details
As low as
5Point Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.94%
3700 Skyline Dr, Nederland, TX, 77627 8303
Auto Loan
4.00%
48 months
▼
APR4.00%
Term48 months
Last UpdatedAug 28, 2026
Details
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
2501 S State Highway 121 BUS, Lewisville, TX, 75067 4394
Car Loans
4.05%
2 Yrs
▼
APR4.05%
Term2 Yrs
Last UpdatedAug 28, 2026
Details
Model Year: 2011 to 2015
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.48%
2302 Church St, Galveston, TX, 77550
Vehicle Loans 0-36 Months
4.06%
36 Months
▼
APR4.06%
Term36 Months
Last UpdatedAug 28, 2026
Details
C Credit*
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.48%
2302 Church St, Galveston, TX, 77550
Vehicle Loans 37-48 Months
4.06%
48 Months
▼
APR4.06%
Term48 Months
Last UpdatedAug 28, 2026
Details
B Credit*
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.48%
2302 Church St, Galveston, TX, 77550
Vehicle Loans 49-60 Months
4.06%
60 Months
▼
APR4.06%
Term60 Months
Last UpdatedAug 28, 2026
Details
A Credit*
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.48%
2302 Church St, Galveston, TX, 77550
Vehicle Loans 61-75 Months
4.06%
75 Months
▼
APR4.06%
Term75 Months
Last UpdatedAug 28, 2026
Details
A+ Credit*
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
American Airlines Credit Union, Fort Worth, TX, 76155
New Auto
4.09%
Up to 60 months
▼
APR4.09%
TermUp to 60 months
Last UpdatedAug 28, 2026
Details
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective June 1, 2026.
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
100 N Kimball Ave Ste 103, Southlake, TX, 76092 8024
Auto Loan
4.09%
Up to 12 months
▼
APR4.09%
TermUp to 12 months
Last UpdatedAug 28, 2026
Details
Mesquite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
1510 N Galloway Ave, Mesquite, TX, 75149
New and Used Vehicles Loan
4.10%
Up to 72 Months
▼
APR4.10%
TermUp to 72 Months
Last UpdatedAug 28, 2026
Details
As Low As
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
16597 Interstate 45 S, Conroe, TX, 77385
Auto Loan - New Vehicles 36 Months
4.12%
36 Months
▼
APR4.12%
Term36 Months
Last UpdatedAug 28, 2026
Details
Fixed Rate
Memorial Credit Union Houston, TX
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
7789 Southwest fwy Ste 175, Houston, TX, 77074 1831
New Autos
4.14%
Up to 84 Months
▼
APR4.14%
TermUp to 84 Months
Last UpdatedAug 28, 2026
Details
As Low As; Rates effective as of April 1, 2026. Based on credit score, loan term, and relationship discounts. Each application is evaluated on an individual basis. Rates up to 18%. Stated "rates as low as" apply to well-qualified applicants in combination with relationship discounts. Additional discounts available.
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
12611 Fuqua St, Houston, TX, 77034
Used & New Auto Loans
4.14%
49-60 months
▼
APR4.14%
Term49-60 months
Last UpdatedAug 28, 2026
Details
As Low As; *
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
7034 Alamo Downs Pkwy, San Antonio, TX, 78238
Auto Loans
4.14%
0 - 75 Months
▼
APR4.14%
Term0 - 75 Months
Last UpdatedAug 28, 2026
Details
2026 & Newer
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
7034 Alamo Downs Pkwy, San Antonio, TX, 78238
Auto Loans - 2026 & Newer
4.14%
0 - 75 Months
▼
APR4.14%
Term0 - 75 Months
Last UpdatedAug 28, 2026
Details
As low as
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
2501 S State Highway 121 BUS, Lewisville, TX, 75067 4394
Car Loans
4.15%
3 Yrs
▼
APR4.15%
Term3 Yrs
Last UpdatedAug 28, 2026
Details
Model Year: 2016 to 2019
Temple Inland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
109 N Temple Dr, Diboll, TX, 75941
New & Used Auto
4.15%
36-60
▼
APR4.15%
Term36-60
Last UpdatedAug 28, 2026
Details
Tier 2 700-749
Chocolate Bayou Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
1301 Highway 35 Byp N, Alvin, TX, 77511 2681
Auto Loan
4.17%
Up to 60 Months
▼
APR4.17%
TermUp to 60 Months
Last UpdatedAug 28, 2026
Details
APR as low as
FAA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.82%
16600 John F Kennedy Blvd, Houston, TX, 77032 6514
Auto Loans
4.19%
36 Months
▼
APR4.19%
Term36 Months
Last UpdatedAug 28, 2026
Details
Vehicle Year: 2025 & Newer
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
2801 N 6th St, Abilene, TX, 79603
Used Auto Loans - Cars and Light Trucks - 2023
4.20%
1 - 78 months
▼
APR4.20%
Term1 - 78 months
Last UpdatedAug 28, 2026
Details
Model Year: 2023
Cherokee County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.79%
145 FM 2972 W, RUSK, TX, 75785
New Vehicles Loan
4.20%
Up to 72 months
▼
APR4.20%
TermUp to 72 months
Last UpdatedAug 28, 2026
Details
Deduct .25% from the stated rate with a 20% or greater down payment of the purchase price plus TT&L; Deduct .50% from the stated rate if the vehicle loan is repaid by payroll deduction or automatic payment from a CCTFCU checking account for the loan's full term; Deduct .25% from the stated rate when a member requests a lower term than the lowest stated term.
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
5953 Fairmont Pkwy, Pasadena, TX, 77505
Auto Loan
4.24%
Up to 48 months
▼
APR4.24%
TermUp to 48 months
Last UpdatedAug 28, 2026
Details
Maximum Loan Discount: 0.75%
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
3301 Airport Fwy Ste 175, Bedford, TX, 76021 6123
New and Used Autos
4.24%
24 Months
▼
APR4.24%
Term24 Months
Last UpdatedAug 28, 2026
Details
United Credit Union Tyler, TX
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
4901 Old Jacksonville Hwy, Tyler, TX, 75703 3373
Auto Loan
4.24%
up to 48 months
▼
APR4.24%
Termup to 48 months
Last UpdatedAug 28, 2026
Details
Maximum Available Term: Up to 84 months
Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.19%
17 S 1st St, Temple, TX, 76501 7603
New Auto
4.24%
60-month
▼
APR4.24%
Term60-month
Last UpdatedAug 28, 2026
Details
As low as*
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
2501 S State Highway 121 BUS, Lewisville, TX, 75067 4394
Car Loans
4.25%
4 Yrs
▼
APR4.25%
Term4 Yrs
Last UpdatedAug 28, 2026
Details
Model Year: 2020 to 2024
Sabine Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
1939 Strickland Dr, Orange, TX, 77630 2901
New or Used Autos or Harley Davidson Motorcycles (48 months or less)
4.25%
48 months or less
▼
APR4.25%
Term48 months or less
Last UpdatedAug 28, 2026
Details
Sabine Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
1939 Strickland Dr, Orange, TX, 77630 2901
New or Used Autos or Harley Davidson Motorcycles (60 months or less)
4.25%
60 months or less
▼
APR4.25%
Term60 months or less
Last UpdatedAug 28, 2026
Details
Temple Inland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
109 N Temple Dr, Diboll, TX, 75941
New & Used Auto
4.25%
78-84
▼
APR4.25%
Term78-84
Last UpdatedAug 28, 2026
Details
Tier 1 750-up
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
676 Magnolia Ave, Port Neches, TX, 77651
New Auto Loan
4.25%
60 months
▼
APR4.25%
Term60 months
Last UpdatedAug 28, 2026
Details
Minimum Invoice Amount: $30,000; Rates are as low as shown.
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
676 Magnolia Ave, Port Neches, TX, 77651
Used Auto Loan
4.25%
Up to 60 months
▼
APR4.25%
TermUp to 60 months
Last UpdatedAug 28, 2026
Details
2020 & newer; Vehicles with less than 20k miles
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
324 N MAIN AVE, DENVER CITY, TX, 79323 3242
Vehicle 2025 or Newer Up to 3 Years (1-36M) Loan
4.25%
3 Years
▼
APR4.25%
Term3 Years
Last UpdatedAug 28, 2026
Details
Equifax Score: 750+; Loan to Value Max.(MSRP/NADA Retail): 115%; Debt Ratio Maximum: 48%
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.67%
9601 Jones Rd, Houston, TX, 77065
New & Used Auto
4.25%
36 to 84 Months
▼
APR4.25%
Term36 to 84 Months
Last UpdatedAug 28, 2026
Details
As Low As
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.76%
8500 W Bay Rd # 32, Baytown, TX, 77523 8727
New/Used Vehicles 730+ A+ Loan
4.25%
48 Mo.
▼
APR4.25%
Term48 Mo.
Last UpdatedAug 28, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
16320 Kensington Dr, Sugar Land, TX, 77479 4097
New Automobile Loan
4.25%
Up to 36 Months
▼
APR4.25%
TermUp to 36 Months
Last UpdatedAug 28, 2026
Details
As Low As; Fixed Rate
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
16320 Kensington Dr, Sugar Land, TX, 77479 4097
Used Automobile Loan
4.25%
Up to 36 Months
▼
APR4.25%
TermUp to 36 Months
Last UpdatedAug 28, 2026
Details
As Low As; Fixed Rate
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
14090 Southwest Fwy Ste 260, Sugar Land, TX, 77478 3678
New Auto Loan
4.25%
48 months
▼
APR4.25%
Term48 months
Last UpdatedAug 28, 2026
Details
As Low As; Qualifying rate - Conditions apply; Up to $250,000
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
14090 Southwest Fwy Ste 260, Sugar Land, TX, 77478 3678
Used Auto Loan
4.25%
48 months
▼
APR4.25%
Term48 months
Last UpdatedAug 28, 2026
Details
As Low As; Up to 5 Years old / 2021+; Up to $250,000
Education First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.62%
740 Fannin St, Beaumont, TX, 77701
New and Used Vehicle Loan
4.25%
72 Months
▼
APR4.25%
Term72 Months
Last UpdatedAug 28, 2026
Details
The APR shown reflects our best rate including discounts and may be different based on credit underwriting or services used. All rates are subject to change without notice.
Gulf Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.27%
5140 W Parkway St, Groves, TX, 77619
New & Used Autos
4.25%
48 months
▼
APR4.25%
Term48 months
Last UpdatedAug 28, 2026
Details
As Low As
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
24909 Kuykendahl Rd, Tomball, TX, 77375 3295
NEW Autos - Up to 48 Months
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedAug 28, 2026
Details
As Low As; Rates as low as 4.25% - 13.49%
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
24909 Kuykendahl Rd, Tomball, TX, 77375 3295
USED Autos - Up to 36 Months
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedAug 28, 2026
Details
As Low As; Rates as low as 4.25% - 13.75%
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
16597 Interstate 45 S, Conroe, TX, 77385
Auto Loan - New Vehicles 48 Months
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedAug 28, 2026
Details
Fixed Rate
LCRA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
104 E State Highway 71 Byp, La Grange, TX, 78945 4445
Vehicle Loans - Up to 48 Months
4.25%
Up to 48 Months
▼
APR4.25%
TermUp to 48 Months
Last UpdatedAug 28, 2026
Details
Tier A+; *
Southern Star Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
16035 W Little York Rd, Houston, TX, 77084
New Auto Loans
4.25%
Up to 48 Months
▼
APR4.25%
TermUp to 48 Months
Last UpdatedAug 28, 2026
Details
As low as
Southern Star Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
16035 W Little York Rd, Houston, TX, 77084
Used Auto Loans
4.25%
Up to 36 Months
▼
APR4.25%
TermUp to 36 Months
Last UpdatedAug 28, 2026
Details
As Low As
5Point Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.94%
3700 Skyline Dr, Nederland, TX, 77627 8303
Auto Loan
4.25%
60 months
▼
APR4.25%
Term60 months
Last UpdatedAug 28, 2026
Details
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
2736 Nall St, Port Neches, TX, 77651 5204
New Auto Loans
4.25%
0-24 months
▼
APR4.25%
Term0-24 months
Last UpdatedAug 28, 2026
Details
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
2736 Nall St, Port Neches, TX, 77651 5204
Used Auto Loans
4.25%
0-24 months
▼
APR4.25%
Term0-24 months
Last UpdatedAug 28, 2026
Details
DuGood Federal Credit Union
Institution Rating:
F2.8 ★ Texas Ratio: 0.47%
7505 Eastex Fwy Ste B, Beaumont, TX, 77708
New & Used Auto Loan
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedAug 28, 2026
Details
Vehicle Age: Up to 2026
The Peoples Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.36%
7200 Hillside Rd, Amarillo, TX, 79109 7460
New & Used Vehicles Loan
4.29%
3 yrs*
▼
APR4.29%
Term3 yrs*
Last UpdatedAug 28, 2026
Details
As low as
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
12611 Fuqua St, Houston, TX, 77034
Used & New Auto Loans
4.29%
61-72 months
▼
APR4.29%
Term61-72 months
Last UpdatedAug 28, 2026
Details
As Low As; *
Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
11920 Alterra Pkwy, Austin, TX, 78758
Auto Loan
4.29%
up to 48 months
▼
APR4.29%
Termup to 48 months
Last UpdatedAug 28, 2026
Details
As Low As
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
2801 N 6th St, Abilene, TX, 79603
Used Auto Loans - Cars and Light Trucks - 2022
4.30%
1 - 72 months
▼
APR4.30%
Term1 - 72 months
Last UpdatedAug 28, 2026
Details
Model Year: 2022
Methodist Hospital Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
1441 N Beckley Ave, Dallas, TX, 75203 1201
New Vehicles Loan
4.32%
0 - 24 Months
▼
APR4.32%
Term0 - 24 Months
Last UpdatedAug 28, 2026
Details
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
2501 S State Highway 121 BUS, Lewisville, TX, 75067 4394
Car Loans
4.35%
5 Yrs
▼
APR4.35%
Term5 Yrs
Last UpdatedAug 28, 2026
Details
Model Year: 2025 to 2027
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
1 Valero Way, San Antonio, TX, 78249 1616
New & Used Vehicles - 60 months Loan
4.35%
60 months
▼
APR4.35%
Term60 months
Last UpdatedAug 28, 2026
Details
As Low As
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
16597 Interstate 45 S, Conroe, TX, 77385
Auto Loan - New Vehicles 60 Months
4.38%
60 Months
▼
APR4.38%
Term60 Months
Last UpdatedAug 28, 2026
Details
Fixed Rate
Southwest Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.85%
1750 Valley View Ln Ste 110, Farmers Branch, TX, 75234 9024
New Auto
4.39%
Up to 72 months
▼
APR4.39%
TermUp to 72 months
Last UpdatedAug 28, 2026
Details
As low as; Rate includes 0.25% discount for automatic payment.
Southwest Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.85%
1750 Valley View Ln Ste 110, Farmers Branch, TX, 75234 9024
Used Auto
4.39%
Up to 72 months
▼
APR4.39%
TermUp to 72 months
Last UpdatedAug 28, 2026
Details
As low as; Rate includes 0.25% discount for automatic payment.
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
100 N Kimball Ave Ste 103, Southlake, TX, 76092 8024
Auto Loan
4.39%
Up to 12 months
▼
APR4.39%
TermUp to 12 months
Last UpdatedAug 28, 2026
Details
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
2501 S State Highway 121 BUS, Lewisville, TX, 75067 4394
Car Loans
4.40%
2 Yrs
▼
APR4.40%
Term2 Yrs
Last UpdatedAug 28, 2026
Details
Model Year: 2011 to 2015
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
2801 N 6th St, Abilene, TX, 79603
Used Auto Loans - Cars and Light Trucks - 2021
4.40%
1 - 66 months
▼
APR4.40%
Term1 - 66 months
Last UpdatedAug 28, 2026
Details
Model Year: 2021
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.77%
2421 Westport Pkwy Ste 1300, Fort Worth, TX, 76177 5311
NEW Auto Loan
4.40%
Up to 36 months
▼
APR4.40%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details
Rates as low as
Americas Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
2154 FOREST LN, GARLAND, TX, 75042
New and Used Auto Loans
4.40%
60-Months
▼
APR4.40%
Term60-Months
Last UpdatedAug 28, 2026
Details
As Low As
Chocolate Bayou Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
1301 Highway 35 Byp N, Alvin, TX, 77511 2681
Auto Loan
4.42%
Up to 72 Months
▼
APR4.42%
TermUp to 72 Months
Last UpdatedAug 28, 2026
Details
APR as low as
FAA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.82%
16600 John F Kennedy Blvd, Houston, TX, 77032 6514
Auto Loans
4.44%
48 Months
▼
APR4.44%
Term48 Months
Last UpdatedAug 28, 2026
Details
Vehicle Year: 2025 & Newer
Swemp Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
601 OLIVE ST, TEXARKANA, TX, 75501
New Autos
4.45%
Up to 84 Months
▼
APR4.45%
TermUp to 84 Months
Last UpdatedAug 28, 2026
Details
As Low As; Based On Credit Score And Loan Term. Rates are based on a combination of your credit score, terms and other lending criteria. Each application is evaluated on an individual basis. Rates up to 18%. Stated "rates as low as" apply to well-qualified applicants. LOAN SPECIAL: AUTOMOBILE 2024 OR NEWER A PLUS ONLY - 4.45% *CERTAIN TERMS MAY APPLY*
Swemp Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
601 OLIVE ST, TEXARKANA, TX, 75501
Pre-Owned Autos
4.45%
Up to 84 Months
▼
APR4.45%
TermUp to 84 Months
Last UpdatedAug 28, 2026
Details
As Low As; Based On Credit Score And Loan Term. Rates are based on a combination of your credit score, terms and other lending criteria. Each application is evaluated on an individual basis. Rates up to 18%. Stated "rates as low as" apply to well-qualified applicants.
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
2501 S State Highway 121 BUS, Lewisville, TX, 75067 4394
Car Loans
4.45%
6 Yrs
▼
APR4.45%
Term6 Yrs
Last UpdatedAug 28, 2026
Details
Model Year: 2025 to 2027
Cherokee County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.79%
145 FM 2972 W, RUSK, TX, 75785
New Vehicles Loan
4.45%
Up to 84 months
▼
APR4.45%
TermUp to 84 months
Last UpdatedAug 28, 2026
Details
Loan amount $35,000+; Deduct .25% from the stated rate with a 20% or greater down payment of the purchase price plus TT&L; Deduct .50% from the stated rate if the vehicle loan is repaid by payroll deduction or automatic payment from a CCTFCU checking account for the loan's full term; Deduct .25% from the stated rate when a member requests a lower term than the lowest stated term.
Gulf Shore Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.68%
1306 N Logan St, Texas City, TX, 77590 5046
Autos 2026-2022
4.49%
0-24 months
▼
APR4.49%
Term0-24 months
Last UpdatedAug 28, 2026
Details
As Low As; *
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
5953 Fairmont Pkwy, Pasadena, TX, 77505
Auto Loan
4.49%
Up to 60 months
▼
APR4.49%
TermUp to 60 months
Last UpdatedAug 28, 2026
Details
Maximum Loan Discount: 0.75%
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
2105 W Grande Blvd, Tyler, TX, 75703 0551
New Vehicle Loan
4.49%
Up to 48 Months
▼
APR4.49%
TermUp to 48 Months
Last UpdatedAug 28, 2026
Details
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
2105 W Grande Blvd, Tyler, TX, 75703 0551
Used Vehicle Loan
4.49%
Up to 48 Months
▼
APR4.49%
TermUp to 48 Months
Last UpdatedAug 28, 2026
Details
Border Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
2211 N BEDELL AVE, Del Rio, TX, 78840
New Vehicles (2025-2026 Models) - A+ Loan
4.49%
72 months
▼
APR4.49%
Term72 months
Last UpdatedAug 28, 2026
Details
Summer Drive Auto Loan Promotion. Valid through 8/31/26. Fixed rate tiered by credit grade. New vehicle.
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
3301 Airport Fwy Ste 175, Bedford, TX, 76021 6123
New and Used Autos
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedAug 28, 2026
Details
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
2455 Stringer St, Brenham, TX, 77833
2023-2025 Used Vehicles Loan
4.49%
Up to 48 Months
▼
APR4.49%
TermUp to 48 Months
Last UpdatedAug 28, 2026
Details
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
2455 Stringer St, Brenham, TX, 77833
2026 New Vehicles & Newer Loan
4.49%
Up to 48-54 Months
▼
APR4.49%
TermUp to 48-54 Months
Last UpdatedAug 28, 2026
Details
University Credit Union Los Angeles, CA
Institution Rating:
A-5.0 ★ Texas Ratio: 14.30%
701 College Dr, Abilene, TX, 79601
New Auto
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedAug 28, 2026
Details
As Low As; Rates are based on an evaluation of credit history and other factors specific to your loan (such as loan term, loan amount, loan-to-value, age of collateral, as applicable) and may be higher than the lowest rates advertised. Lowest rates advertised are based on an established member's loan with a term of 36 months or less, LTV (loan to value) of 90% or less and assumes a UCU Automatic Payment method (Includes an Automatic Payment discount of 0.25% from a UCU Account only.) and includes a 0.25% Repeat Borrower discount. Rates are higher for LTV over 90% and/or terms greater than 36 months.
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
24909 Kuykendahl Rd, Tomball, TX, 77375 3295
NEW Autos - Up to 60 Months
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedAug 28, 2026
Details
As Low As; Rates as low as 4.49% - 14.00%
Germania Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
PO Box 645, Brenham, TX, 77834 0645
New Vehicle Loan
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedAug 28, 2026
Details
Up to 125% of MSRP with approved credit.
Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.57%
4800 GROVER AVE, AUSTIN, TX, 78756
New and Used Vehicles Loan
4.49%
Up to 48 Months
▼
APR4.49%
TermUp to 48 Months
Last UpdatedAug 28, 2026
Details
Metro Medical Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
8200 Brookriver Dr Ste N110, Dallas, TX, 75247
New Auto Loans
4.49%
Up to 36 months
▼
APR4.49%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details
As Low As; *
Metro Medical Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
8200 Brookriver Dr Ste N110, Dallas, TX, 75247
Used Auto Loans
4.49%
Up to 36 months
▼
APR4.49%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details
As Low As; * APR
City Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
7474 Ferguson Rd, Dallas, TX, 75228
New or Used Auto Loans
4.49%
24 months
▼
APR4.49%
Term24 months
Last UpdatedAug 28, 2026
Details
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
13649 Montfort Dr, Dallas, TX, 75240 2521
Auto Loans Used 54 months or Less
4.49%
54 months or Less
▼
APR4.49%
Term54 months or Less
Last UpdatedAug 28, 2026
Details
As low as
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
13649 Montfort Dr, Dallas, TX, 75240 2521
New Auto Loans 72 months
4.49%
72 months
▼
APR4.49%
Term72 months
Last UpdatedAug 28, 2026
Details
As low as
Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
11920 Alterra Pkwy, Austin, TX, 78758
Auto Loan
4.49%
up to 60 months
▼
APR4.49%
Termup to 60 months
Last UpdatedAug 28, 2026
Details
As Low As
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto
4.49%
Up to 48 months
▼
APR4.49%
TermUp to 48 months
Last UpdatedAug 28, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto Loan
4.49%
Up to 48 months
▼
APR4.49%
TermUp to 48 months
Last UpdatedAug 28, 2026
Details
Corporate America Family Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.43%
5910 N MacArthur Blvd Ste 140, Irving, TX, 75039 6108
New Auto
4.49%
60 months or less
▼
APR4.49%
Term60 months or less
Last UpdatedAug 28, 2026
Details
Rate assumes loan to value of 100% or less. Not all borrowers will qualify for the lowest interest rate.
Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.19%
17 S 1st St, Temple, TX, 76501 7603
New Auto
4.49%
72-month
▼
APR4.49%
Term72-month
Last UpdatedAug 28, 2026
Details
As low as*
Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.19%
17 S 1st St, Temple, TX, 76501 7603
Pre-Owned Auto
4.49%
36-month
▼
APR4.49%
Term36-month
Last UpdatedAug 28, 2026
Details
As low as
Powered by
MonitorBankRates
Texas New Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
BELTON
Institution Rating:
A-5.0 ★ Texas Ratio: 1.55%
400 N Wall St, Belton, TX, 76513
New Vehicle Loan
1.99%
1 yr.
▼
APR1.99%
Term1 yr.
Last UpdatedAug 28, 2026
Details
For all 1 yr. old or newer vehicles. Cars, trucks, RVs or tractors. Pending credit approval
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
New Vehicles Loan
2.00%
60 Months
▼
APR2.00%
Term60 Months
Last UpdatedAug 28, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
New Vehicles Loan
2.25%
72 Months
▼
APR2.25%
Term72 Months
Last UpdatedAug 28, 2026
Details
As Low As; With Approved Credit
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
New Automobile (NA) - 0-36 Months
2.95%
36 Months
▼
APR2.95%
Term36 Months
Last UpdatedAug 28, 2026
Details
A+ (800+)
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
New Automobile Loan
2.95%
0-36 Months
▼
APR2.95%
Term0-36 Months
Last UpdatedAug 28, 2026
Details
As Low As
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
506 W Lamar St, Sherman, TX, 75090 5840
New vehicles Loan
2.99%
0-36 months
▼
APR2.99%
Term0-36 months
Last UpdatedAug 28, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
506 W Lamar St, Sherman, TX, 75090 5840
New vehicles: 0-36 months Loan
2.99%
36 Months
▼
APR2.99%
Term36 Months
Last UpdatedAug 28, 2026
Details
Rates below are based on a minimum credit score of 700.
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
5211 E Parkway St, Groves, TX, 77619
New Auto
3.00%
Up to 36 months
▼
APR3.00%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details
Victoria City County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
205 N Bridge St Ste 111, Victoria, TX, 77901
New & Used Auto Loans
3.20%
36 to 72 Months
▼
APR3.20%
Term36 to 72 Months
Last UpdatedAug 28, 2026
Details
Fixed
Lubrizol Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.17%
205 Center St, Deer Park, TX, 77536 2735
New & Used Automobile
3.24%
24 Mo to 60 Mo
▼
APR3.24%
Term24 Mo to 60 Mo
Last UpdatedAug 28, 2026
Details
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
18211 Katy Fwy, Houston, TX, 77094 1395
New and Pre-Owned Autos
3.24%
12-36 Months
▼
APR3.24%
Term12-36 Months
Last UpdatedAug 28, 2026
Details
As low as
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
18211 Katy Fwy, Houston, TX, 77094 1395
New Autos
3.24%
12 - 36 months
▼
APR3.24%
Term12 - 36 months
Last UpdatedAug 28, 2026
Details
Rates as low as*
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
American Airlines Credit Union, Fort Worth, TX, 76155
New Auto
3.34%
Up to 36 Months
▼
APR3.34%
TermUp to 36 Months
Last UpdatedAug 28, 2026
Details
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective June 1, 2026.
Northeast Texas Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
3320 Lamar Ave, Paris, TX, 75460 5024
New Autos
3.40%
60 mos.
▼
APR3.40%
Term60 mos.
Last UpdatedAug 28, 2026
Details
USE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.86%
400 S Akard St, Dallas, TX, 75202 5324
New & Used Autos
3.49%
Up to 36 months
▼
APR3.49%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details
As Low As
Brazos Star Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
701 Harvey Rd, College Station, TX, 77840
New, current year model vehicles and up to three calendar years old with low mileage Loan
3.49%
Up to 36 Months
▼
APR3.49%
TermUp to 36 Months
Last UpdatedAug 28, 2026
Details
As low as; Take a courtesy credit of 0.25%, if financed less than 36 months
Education First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.62%
740 Fannin St, Beaumont, TX, 77701
New and Used Vehicle Loan
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedAug 28, 2026
Details
The APR shown reflects our best rate including discounts and may be different based on credit underwriting or services used. All rates are subject to change without notice.
Barksdale Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.43%
1507 Pine Tree Rd, Longview, TX, 75604 2350
2019 & Newer Auto Loan
3.69%
Up to 78 Months
▼
APR3.69%
TermUp to 78 Months
Last UpdatedAug 28, 2026
Details
Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
183 E Price Rd, Brownsville, TX, 78521
New Auto Loan
3.70%
up to 75 Months
▼
APR3.70%
Termup to 75 Months
Last UpdatedAug 28, 2026
Details
Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
183 E Price Rd, Brownsville, TX, 78521
New Auto Loan up to 75 Months
3.70%
75 Months
▼
APR3.70%
Term75 Months
Last UpdatedAug 28, 2026
Details
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
2900 Decker Dr, Baytown, TX, 77520 2076
New Autos
3.74%
Up to 36 Months
▼
APR3.74%
TermUp to 36 Months
Last UpdatedAug 28, 2026
Details
Fewer than 7,500 miles
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
676 Magnolia Ave, Port Neches, TX, 77651
New Auto Loan
3.75%
36 months
▼
APR3.75%
Term36 months
Last UpdatedAug 28, 2026
Details
Minimum Invoice Amount: $30,000; Rates are as low as shown.
Education First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.62%
740 Fannin St, Beaumont, TX, 77701
New and Used Vehicle Loan
3.75%
60 Months
▼
APR3.75%
Term60 Months
Last UpdatedAug 28, 2026
Details
The APR shown reflects our best rate including discounts and may be different based on credit underwriting or services used. All rates are subject to change without notice.
Northeast Texas Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
3320 Lamar Ave, Paris, TX, 75460 5024
New Autos
3.90%
72 mos.
▼
APR3.90%
Term72 mos.
Last UpdatedAug 28, 2026
Details
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
12611 Fuqua St, Houston, TX, 77034
Used & New Auto Loans
3.94%
0-36 months
▼
APR3.94%
Term0-36 months
Last UpdatedAug 28, 2026
Details
As Low As; *
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
2801 N 6th St, Abilene, TX, 79603
New Auto Loans - Cars and Light Trucks
3.95%
1 - 84 months
▼
APR3.95%
Term1 - 84 months
Last UpdatedAug 28, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
New Automobile (NA) - 0-36 Months
3.95%
36 Months
▼
APR3.95%
Term36 Months
Last UpdatedAug 28, 2026
Details
A (720-799)
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
New Automobile (NA) - 37-60 Months
3.95%
60 Months
▼
APR3.95%
Term60 Months
Last UpdatedAug 28, 2026
Details
A+ (800+)
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
New Automobile Loan
3.95%
37-60 Months
▼
APR3.95%
Term37-60 Months
Last UpdatedAug 28, 2026
Details
As Low As
Brazos Star Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
701 Harvey Rd, College Station, TX, 77840
New, current year model vehicles and up to three calendar years old with low mileage Loan
3.95%
48 to 60 Months
▼
APR3.95%
Term48 to 60 Months
Last UpdatedAug 28, 2026
Details
As low as
Tyler City Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.88%
3711 Frankston Hwy, Tyler, TX, 75701
New & Used Auto
3.95%
Up to 60 months
▼
APR3.95%
TermUp to 60 months
Last UpdatedAug 28, 2026
Details
Texasgulf Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
2101 N Fulton st, Wharton, TX, 77488
New or used vehicle Loan
3.99%
up to 36 months
▼
APR3.99%
Termup to 36 months
Last UpdatedAug 28, 2026
Details
As Low As; New or used vehicle up to 36 months.
Sweetwater Regional Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1900 Preston Rd, Sweetwater, TX, 79556
New Titled Vehicle Loan
3.99%
up to 84 months
▼
APR3.99%
Termup to 84 months
Last UpdatedAug 28, 2026
Details
As Low As; up to 18.00%**; Fixed
Secured Advantage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.74%
903 W Highway St, Iowa Park, TX, 76367 1180
New Auto Loans
3.99%
Up to 84 months
▼
APR3.99%
TermUp to 84 months
Last UpdatedAug 28, 2026
Details
Depending on Age
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
14090 Southwest Fwy Ste 260, Sugar Land, TX, 77478 3678
New Auto Loan
3.99%
36 months
▼
APR3.99%
Term36 months
Last UpdatedAug 28, 2026
Details
As Low As; Qualifying rate - Conditions apply; Up to $250,000
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
24909 Kuykendahl Rd, Tomball, TX, 77375 3295
NEW Autos - Up to 36 Months
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedAug 28, 2026
Details
As Low As; Rates as low as 3.99% - 13.00%
United Energy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
8790 FM 1960 Bypass Rd W Ste 500A, Humble, TX, 77338 3950
New/Used Auto (up to 5 years old)
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedAug 28, 2026
Details
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
13649 Montfort Dr, Dallas, TX, 75240 2521
New Auto Loans 54 months or Less
3.99%
54 months or Less
▼
APR3.99%
Term54 months or Less
Last UpdatedAug 28, 2026
Details
As low as
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto Loan
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details
United Heritage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.17%
12208 N Mopac Expy, Austin, TX, 78758
New/Used Auto Loan
3.99%
0 to 36 Months
▼
APR3.99%
Term0 to 36 Months
Last UpdatedAug 28, 2026
Details
As Low As
Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.19%
17 S 1st St, Temple, TX, 76501 7603
New Auto
3.99%
36-month
▼
APR3.99%
Term36-month
Last UpdatedAug 28, 2026
Details
As low as*
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
506 W Lamar St, Sherman, TX, 75090 5840
New vehicles Loan
3.99%
37-48 months
▼
APR3.99%
Term37-48 months
Last UpdatedAug 28, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
506 W Lamar St, Sherman, TX, 75090 5840
New vehicles: 37-48 months Loan
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedAug 28, 2026
Details
Rates below are based on a minimum credit score of 700.
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2610 Network Blvd Ste 600, Frisco, TX, 75034 6009
New Cars and Trucks Loan
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedAug 28, 2026
Details
Sabine Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
1939 Strickland Dr, Orange, TX, 77630 2901
New or Used Autos or Harley Davidson Motorcycles (36 months or less)
4.00%
36 months or less
▼
APR4.00%
Term36 months or less
Last UpdatedAug 28, 2026
Details
Temple Inland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
109 N Temple Dr, Diboll, TX, 75941
New & Used Auto
4.00%
36-60
▼
APR4.00%
Term36-60
Last UpdatedAug 28, 2026
Details
Tier 1 750-up
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
676 Magnolia Ave, Port Neches, TX, 77651
New Auto Loan
4.00%
48 months
▼
APR4.00%
Term48 months
Last UpdatedAug 28, 2026
Details
Minimum Invoice Amount: $30,000; Rates are as low as shown.
Port Arthur Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
3001 JIMMY JOHNSON BLVD, PORT ARTHUR, TX, 77642
New Car Loan
4.00%
up to 60 month financing available
▼
APR4.00%
Termup to 60 month financing available
Last UpdatedAug 28, 2026
Details
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.62%
3505 Wildewood Dr, San Angelo, TX, 76904
New Automobiles & Light Trucks
4.00%
36 mos.
▼
APR4.00%
Term36 mos.
Last UpdatedAug 28, 2026
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.76%
8500 W Bay Rd # 32, Baytown, TX, 77523 8727
New/Used Vehicles 730+ A+ Loan
4.00%
24 Mo.
▼
APR4.00%
Term24 Mo.
Last UpdatedAug 28, 2026
Details
Gulf Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.27%
5140 W Parkway St, Groves, TX, 77619
New & Used Autos
4.00%
36 months
▼
APR4.00%
Term36 months
Last UpdatedAug 28, 2026
Details
As Low As
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
16597 Interstate 45 S, Conroe, TX, 77385
Auto Loan - New Vehicles 24 Months
4.00%
24 Months
▼
APR4.00%
Term24 Months
Last UpdatedAug 28, 2026
Details
Fixed Rate
Concho Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
1002 S Abe St, San Angelo, TX, 76903 7240
New Auto
4.00%
36 months
▼
APR4.00%
Term36 months
Last UpdatedAug 28, 2026
Details
As low as; Maximum Loan: 100%
Service 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
10001 Jack Finney Blvd, Greenville, TX, 75402
New Vehicle Loan
4.00%
up to 94 months
▼
APR4.00%
Termup to 94 months
Last UpdatedAug 28, 2026
Details
Southern Star Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
16035 W Little York Rd, Houston, TX, 77084
New Auto Loans
4.00%
Up to 36 Months
▼
APR4.00%
TermUp to 36 Months
Last UpdatedAug 28, 2026
Details
As low as
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
American Airlines Credit Union, Fort Worth, TX, 76155
New Auto
4.09%
Up to 60 months
▼
APR4.09%
TermUp to 60 months
Last UpdatedAug 28, 2026
Details
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective June 1, 2026.
Mesquite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
1510 N Galloway Ave, Mesquite, TX, 75149
New and Used Vehicles Loan
4.10%
Up to 72 Months
▼
APR4.10%
TermUp to 72 Months
Last UpdatedAug 28, 2026
Details
As Low As
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
16597 Interstate 45 S, Conroe, TX, 77385
Auto Loan - New Vehicles 36 Months
4.12%
36 Months
▼
APR4.12%
Term36 Months
Last UpdatedAug 28, 2026
Details
Fixed Rate
Memorial Credit Union Houston, TX
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
7789 Southwest fwy Ste 175, Houston, TX, 77074 1831
New Autos
4.14%
Up to 84 Months
▼
APR4.14%
TermUp to 84 Months
Last UpdatedAug 28, 2026
Details
As Low As; Rates effective as of April 1, 2026. Based on credit score, loan term, and relationship discounts. Each application is evaluated on an individual basis. Rates up to 18%. Stated "rates as low as" apply to well-qualified applicants in combination with relationship discounts. Additional discounts available.
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
12611 Fuqua St, Houston, TX, 77034
Used & New Auto Loans
4.14%
49-60 months
▼
APR4.14%
Term49-60 months
Last UpdatedAug 28, 2026
Details
As Low As; *
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
7034 Alamo Downs Pkwy, San Antonio, TX, 78238
Auto Loans - 2026 & Newer
4.14%
0 - 75 Months
▼
APR4.14%
Term0 - 75 Months
Last UpdatedAug 28, 2026
Details
As low as
Temple Inland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
109 N Temple Dr, Diboll, TX, 75941
New & Used Auto
4.15%
36-60
▼
APR4.15%
Term36-60
Last UpdatedAug 28, 2026
Details
Tier 2 700-749
Cherokee County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.79%
145 FM 2972 W, RUSK, TX, 75785
New Vehicles Loan
4.20%
Up to 72 months
▼
APR4.20%
TermUp to 72 months
Last UpdatedAug 28, 2026
Details
Deduct .25% from the stated rate with a 20% or greater down payment of the purchase price plus TT&L; Deduct .50% from the stated rate if the vehicle loan is repaid by payroll deduction or automatic payment from a CCTFCU checking account for the loan's full term; Deduct .25% from the stated rate when a member requests a lower term than the lowest stated term.
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
3301 Airport Fwy Ste 175, Bedford, TX, 76021 6123
New and Used Autos
4.24%
24 Months
▼
APR4.24%
Term24 Months
Last UpdatedAug 28, 2026
Details
Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.19%
17 S 1st St, Temple, TX, 76501 7603
New Auto
4.24%
60-month
▼
APR4.24%
Term60-month
Last UpdatedAug 28, 2026
Details
As low as*
Sabine Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
1939 Strickland Dr, Orange, TX, 77630 2901
New or Used Autos or Harley Davidson Motorcycles (48 months or less)
4.25%
48 months or less
▼
APR4.25%
Term48 months or less
Last UpdatedAug 28, 2026
Details
Sabine Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
1939 Strickland Dr, Orange, TX, 77630 2901
New or Used Autos or Harley Davidson Motorcycles (60 months or less)
4.25%
60 months or less
▼
APR4.25%
Term60 months or less
Last UpdatedAug 28, 2026
Details
Temple Inland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
109 N Temple Dr, Diboll, TX, 75941
New & Used Auto
4.25%
78-84
▼
APR4.25%
Term78-84
Last UpdatedAug 28, 2026
Details
Tier 1 750-up
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
676 Magnolia Ave, Port Neches, TX, 77651
New Auto Loan
4.25%
60 months
▼
APR4.25%
Term60 months
Last UpdatedAug 28, 2026
Details
Minimum Invoice Amount: $30,000; Rates are as low as shown.
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
324 N MAIN AVE, DENVER CITY, TX, 79323 3242
Vehicle 2025 or Newer Up to 3 Years (1-36M) Loan
4.25%
3 Years
▼
APR4.25%
Term3 Years
Last UpdatedAug 28, 2026
Details
Equifax Score: 750+; Loan to Value Max.(MSRP/NADA Retail): 115%; Debt Ratio Maximum: 48%
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.67%
9601 Jones Rd, Houston, TX, 77065
New & Used Auto
4.25%
36 to 84 Months
▼
APR4.25%
Term36 to 84 Months
Last UpdatedAug 28, 2026
Details
As Low As
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.76%
8500 W Bay Rd # 32, Baytown, TX, 77523 8727
New/Used Vehicles 730+ A+ Loan
4.25%
48 Mo.
▼
APR4.25%
Term48 Mo.
Last UpdatedAug 28, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
16320 Kensington Dr, Sugar Land, TX, 77479 4097
New Automobile Loan
4.25%
Up to 36 Months
▼
APR4.25%
TermUp to 36 Months
Last UpdatedAug 28, 2026
Details
As Low As; Fixed Rate
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
14090 Southwest Fwy Ste 260, Sugar Land, TX, 77478 3678
New Auto Loan
4.25%
48 months
▼
APR4.25%
Term48 months
Last UpdatedAug 28, 2026
Details
As Low As; Qualifying rate - Conditions apply; Up to $250,000
Education First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.62%
740 Fannin St, Beaumont, TX, 77701
New and Used Vehicle Loan
4.25%
72 Months
▼
APR4.25%
Term72 Months
Last UpdatedAug 28, 2026
Details
The APR shown reflects our best rate including discounts and may be different based on credit underwriting or services used. All rates are subject to change without notice.
Gulf Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.27%
5140 W Parkway St, Groves, TX, 77619
New & Used Autos
4.25%
48 months
▼
APR4.25%
Term48 months
Last UpdatedAug 28, 2026
Details
As Low As
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
24909 Kuykendahl Rd, Tomball, TX, 77375 3295
NEW Autos - Up to 48 Months
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedAug 28, 2026
Details
As Low As; Rates as low as 4.25% - 13.49%
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
16597 Interstate 45 S, Conroe, TX, 77385
Auto Loan - New Vehicles 48 Months
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedAug 28, 2026
Details
Fixed Rate
Southern Star Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
16035 W Little York Rd, Houston, TX, 77084
New Auto Loans
4.25%
Up to 48 Months
▼
APR4.25%
TermUp to 48 Months
Last UpdatedAug 28, 2026
Details
As low as
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
2736 Nall St, Port Neches, TX, 77651 5204
New Auto Loans
4.25%
0-24 months
▼
APR4.25%
Term0-24 months
Last UpdatedAug 28, 2026
Details
DuGood Federal Credit Union
Institution Rating:
F2.8 ★ Texas Ratio: 0.47%
7505 Eastex Fwy Ste B, Beaumont, TX, 77708
New & Used Auto Loan
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedAug 28, 2026
Details
Vehicle Age: Up to 2026
The Peoples Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.36%
7200 Hillside Rd, Amarillo, TX, 79109 7460
New & Used Vehicles Loan
4.29%
3 yrs*
▼
APR4.29%
Term3 yrs*
Last UpdatedAug 28, 2026
Details
As low as
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
12611 Fuqua St, Houston, TX, 77034
Used & New Auto Loans
4.29%
61-72 months
▼
APR4.29%
Term61-72 months
Last UpdatedAug 28, 2026
Details
As Low As; *
Methodist Hospital Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
1441 N Beckley Ave, Dallas, TX, 75203 1201
New Vehicles Loan
4.32%
0 - 24 Months
▼
APR4.32%
Term0 - 24 Months
Last UpdatedAug 28, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
1 Valero Way, San Antonio, TX, 78249 1616
New & Used Vehicles - 60 months Loan
4.35%
60 months
▼
APR4.35%
Term60 months
Last UpdatedAug 28, 2026
Details
As Low As
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
16597 Interstate 45 S, Conroe, TX, 77385
Auto Loan - New Vehicles 60 Months
4.38%
60 Months
▼
APR4.38%
Term60 Months
Last UpdatedAug 28, 2026
Details
Fixed Rate
Southwest Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.85%
1750 Valley View Ln Ste 110, Farmers Branch, TX, 75234 9024
New Auto
4.39%
Up to 72 months
▼
APR4.39%
TermUp to 72 months
Last UpdatedAug 28, 2026
Details
As low as; Rate includes 0.25% discount for automatic payment.
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.77%
2421 Westport Pkwy Ste 1300, Fort Worth, TX, 76177 5311
NEW Auto Loan
4.40%
Up to 36 months
▼
APR4.40%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details
Rates as low as
Americas Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
2154 FOREST LN, GARLAND, TX, 75042
New and Used Auto Loans
4.40%
60-Months
▼
APR4.40%
Term60-Months
Last UpdatedAug 28, 2026
Details
As Low As
Swemp Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
601 OLIVE ST, TEXARKANA, TX, 75501
New Autos
4.45%
Up to 84 Months
▼
APR4.45%
TermUp to 84 Months
Last UpdatedAug 28, 2026
Details
As Low As; Based On Credit Score And Loan Term. Rates are based on a combination of your credit score, terms and other lending criteria. Each application is evaluated on an individual basis. Rates up to 18%. Stated "rates as low as" apply to well-qualified applicants. LOAN SPECIAL: AUTOMOBILE 2024 OR NEWER A PLUS ONLY - 4.45% *CERTAIN TERMS MAY APPLY*
Cherokee County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.79%
145 FM 2972 W, RUSK, TX, 75785
New Vehicles Loan
4.45%
Up to 84 months
▼
APR4.45%
TermUp to 84 months
Last UpdatedAug 28, 2026
Details
Loan amount $35,000+; Deduct .25% from the stated rate with a 20% or greater down payment of the purchase price plus TT&L; Deduct .50% from the stated rate if the vehicle loan is repaid by payroll deduction or automatic payment from a CCTFCU checking account for the loan's full term; Deduct .25% from the stated rate when a member requests a lower term than the lowest stated term.
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
2105 W Grande Blvd, Tyler, TX, 75703 0551
New Vehicle Loan
4.49%
Up to 48 Months
▼
APR4.49%
TermUp to 48 Months
Last UpdatedAug 28, 2026
Details
Border Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
2211 N BEDELL AVE, Del Rio, TX, 78840
New Vehicles (2025-2026 Models) - A+ Loan
4.49%
72 months
▼
APR4.49%
Term72 months
Last UpdatedAug 28, 2026
Details
Summer Drive Auto Loan Promotion. Valid through 8/31/26. Fixed rate tiered by credit grade. New vehicle.
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
3301 Airport Fwy Ste 175, Bedford, TX, 76021 6123
New and Used Autos
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedAug 28, 2026
Details
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
2455 Stringer St, Brenham, TX, 77833
2026 New Vehicles & Newer Loan
4.49%
Up to 48-54 Months
▼
APR4.49%
TermUp to 48-54 Months
Last UpdatedAug 28, 2026
Details
University Credit Union Los Angeles, CA
Institution Rating:
A-5.0 ★ Texas Ratio: 14.30%
701 College Dr, Abilene, TX, 79601
New Auto
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedAug 28, 2026
Details
As Low As; Rates are based on an evaluation of credit history and other factors specific to your loan (such as loan term, loan amount, loan-to-value, age of collateral, as applicable) and may be higher than the lowest rates advertised. Lowest rates advertised are based on an established member's loan with a term of 36 months or less, LTV (loan to value) of 90% or less and assumes a UCU Automatic Payment method (Includes an Automatic Payment discount of 0.25% from a UCU Account only.) and includes a 0.25% Repeat Borrower discount. Rates are higher for LTV over 90% and/or terms greater than 36 months.
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
24909 Kuykendahl Rd, Tomball, TX, 77375 3295
NEW Autos - Up to 60 Months
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedAug 28, 2026
Details
As Low As; Rates as low as 4.49% - 14.00%
Germania Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
PO Box 645, Brenham, TX, 77834 0645
New Vehicle Loan
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedAug 28, 2026
Details
Up to 125% of MSRP with approved credit.
Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.57%
4800 GROVER AVE, AUSTIN, TX, 78756
New and Used Vehicles Loan
4.49%
Up to 48 Months
▼
APR4.49%
TermUp to 48 Months
Last UpdatedAug 28, 2026
Details
Metro Medical Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
8200 Brookriver Dr Ste N110, Dallas, TX, 75247
New Auto Loans
4.49%
Up to 36 months
▼
APR4.49%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details
As Low As; *
City Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
7474 Ferguson Rd, Dallas, TX, 75228
New or Used Auto Loans
4.49%
24 months
▼
APR4.49%
Term24 months
Last UpdatedAug 28, 2026
Details
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
13649 Montfort Dr, Dallas, TX, 75240 2521
New Auto Loans 72 months
4.49%
72 months
▼
APR4.49%
Term72 months
Last UpdatedAug 28, 2026
Details
As low as
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto
4.49%
Up to 48 months
▼
APR4.49%
TermUp to 48 months
Last UpdatedAug 28, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto Loan
4.49%
Up to 48 months
▼
APR4.49%
TermUp to 48 months
Last UpdatedAug 28, 2026
Details
Corporate America Family Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.43%
5910 N MacArthur Blvd Ste 140, Irving, TX, 75039 6108
New Auto
4.49%
60 months or less
▼
APR4.49%
Term60 months or less
Last UpdatedAug 28, 2026
Details
Rate assumes loan to value of 100% or less. Not all borrowers will qualify for the lowest interest rate.
Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.19%
17 S 1st St, Temple, TX, 76501 7603
New Auto
4.49%
72-month
▼
APR4.49%
Term72-month
Last UpdatedAug 28, 2026
Details
As low as*
Powered by
MonitorBankRates
Texas Used Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2016-2017 Loan
2.00%
36 Months
▼
APR2.00%
Term36 Months
Last UpdatedAug 28, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2018-2020 Loan
2.00%
48 Months
▼
APR2.00%
Term48 Months
Last UpdatedAug 28, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2014-2015 Loan
2.25%
36 Months
▼
APR2.25%
Term36 Months
Last UpdatedAug 28, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2016-2017 Loan
2.25%
48 Months
▼
APR2.25%
Term48 Months
Last UpdatedAug 28, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2018-2020 Loan
2.25%
60 Months
▼
APR2.25%
Term60 Months
Last UpdatedAug 28, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2013 & Older Loan
2.75%
36 Months
▼
APR2.75%
Term36 Months
Last UpdatedAug 28, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2014-2015 Loan
2.75%
48 Months
▼
APR2.75%
Term48 Months
Last UpdatedAug 28, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2016-2017 Loan
2.75%
60 Months
▼
APR2.75%
Term60 Months
Last UpdatedAug 28, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2018-2020 Loan
2.75%
72 Months
▼
APR2.75%
Term72 Months
Last UpdatedAug 28, 2026
Details
As Low As; With Approved Credit
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
Pre-Owned (Used) Automobile
2.95%
0-36 Months
▼
APR2.95%
Term0-36 Months
Last UpdatedAug 28, 2026
Details
As Low As
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
Pre-Owned (Used) Automobile (UA) - 0-36 Months
2.95%
36 Months
▼
APR2.95%
Term36 Months
Last UpdatedAug 28, 2026
Details
A+ (800+)
Victoria City County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
205 N Bridge St Ste 111, Victoria, TX, 77901
New & Used Auto Loans
3.20%
36 to 72 Months
▼
APR3.20%
Term36 to 72 Months
Last UpdatedAug 28, 2026
Details
Fixed
Lubrizol Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.17%
205 Center St, Deer Park, TX, 77536 2735
New & Used Automobile
3.24%
24 Mo to 60 Mo
▼
APR3.24%
Term24 Mo to 60 Mo
Last UpdatedAug 28, 2026
Details
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
18211 Katy Fwy, Houston, TX, 77094 1395
New and Pre-Owned Autos
3.24%
12-36 Months
▼
APR3.24%
Term12-36 Months
Last UpdatedAug 28, 2026
Details
As low as
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
18211 Katy Fwy, Houston, TX, 77094 1395
Pre-Owned Autos
3.24%
12 - 36 months
▼
APR3.24%
Term12 - 36 months
Last UpdatedAug 28, 2026
Details
Rates as low as*
Northeast Texas Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
3320 Lamar Ave, Paris, TX, 75460 5024
Used Vehicle - 2025 Loan
3.40%
60 mos.
▼
APR3.40%
Term60 mos.
Last UpdatedAug 28, 2026
Details
Northeast Texas Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
3320 Lamar Ave, Paris, TX, 75460 5024
Used Vehicle - 2026-2027 Loan
3.40%
60 mos.
▼
APR3.40%
Term60 mos.
Last UpdatedAug 28, 2026
Details
USE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.86%
400 S Akard St, Dallas, TX, 75202 5324
New & Used Autos
3.49%
Up to 36 months
▼
APR3.49%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details
As Low As
Education First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.62%
740 Fannin St, Beaumont, TX, 77701
New and Used Vehicle Loan
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedAug 28, 2026
Details
The APR shown reflects our best rate including discounts and may be different based on credit underwriting or services used. All rates are subject to change without notice.
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
2900 Decker Dr, Baytown, TX, 77520 2076
Used Autos
3.74%
Up to 36 Months
▼
APR3.74%
TermUp to 36 Months
Last UpdatedAug 28, 2026
Details
Fewer than 100,000 miles
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
676 Magnolia Ave, Port Neches, TX, 77651
Used Auto Loan
3.75%
Up to 36 months
▼
APR3.75%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details
All model years; Vehicles with less than 20k miles
Education First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.62%
740 Fannin St, Beaumont, TX, 77701
New and Used Vehicle Loan
3.75%
60 Months
▼
APR3.75%
Term60 Months
Last UpdatedAug 28, 2026
Details
The APR shown reflects our best rate including discounts and may be different based on credit underwriting or services used. All rates are subject to change without notice.
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
American Airlines Credit Union, Fort Worth, TX, 76155
Used Auto
3.84%
Up to 36 Months
▼
APR3.84%
TermUp to 36 Months
Last UpdatedAug 28, 2026
Details
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective June 1, 2026.
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
12611 Fuqua St, Houston, TX, 77034
Used & New Auto Loans
3.94%
0-36 months
▼
APR3.94%
Term0-36 months
Last UpdatedAug 28, 2026
Details
As Low As; *
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
2801 N 6th St, Abilene, TX, 79603
Used Auto Loans - Cars and Light Trucks - 2024
3.95%
1 - 84 months
▼
APR3.95%
Term1 - 84 months
Last UpdatedAug 28, 2026
Details
Model Year: 2024
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
2801 N 6th St, Abilene, TX, 79603
Used Auto Loans - Cars and Light Trucks - 2025
3.95%
1 - 84 months
▼
APR3.95%
Term1 - 84 months
Last UpdatedAug 28, 2026
Details
Model Year: 2025
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
Pre-Owned (Used) Automobile
3.95%
37-60 Months
▼
APR3.95%
Term37-60 Months
Last UpdatedAug 28, 2026
Details
As Low As
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
Pre-Owned (Used) Automobile (UA) - 0-36 Months
3.95%
36 Months
▼
APR3.95%
Term36 Months
Last UpdatedAug 28, 2026
Details
A (720-799)
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
Pre-Owned (Used) Automobile (UA) - 37-60 Months
3.95%
60 Months
▼
APR3.95%
Term60 Months
Last UpdatedAug 28, 2026
Details
A+ (800+)
Tyler City Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.88%
3711 Frankston Hwy, Tyler, TX, 75701
New & Used Auto
3.95%
Up to 60 months
▼
APR3.95%
TermUp to 60 months
Last UpdatedAug 28, 2026
Details
Texasgulf Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
2101 N Fulton st, Wharton, TX, 77488
New or used vehicle Loan
3.99%
up to 36 months
▼
APR3.99%
Termup to 36 months
Last UpdatedAug 28, 2026
Details
As Low As; New or used vehicle up to 36 months.
Sweetwater Regional Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1900 Preston Rd, Sweetwater, TX, 79556
Used Titled Vehicle Loan
3.99%
up to 60 months
▼
APR3.99%
Termup to 60 months
Last UpdatedAug 28, 2026
Details
As Low As; up to 18.00%**; Fixed
Austin Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.18%
1900 Woodward St, Austin, TX, 78741
Used Vehicles Loan
3.99%
48 months
▼
APR3.99%
Term48 months
Last UpdatedAug 28, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
14090 Southwest Fwy Ste 260, Sugar Land, TX, 77478 3678
Used Auto Loan
3.99%
36 months
▼
APR3.99%
Term36 months
Last UpdatedAug 28, 2026
Details
As Low As; Up to 5 Years old / 2021+; Up to $250,000
United Energy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
8790 FM 1960 Bypass Rd W Ste 500A, Humble, TX, 77338 3950
New/Used Auto (up to 5 years old)
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedAug 28, 2026
Details
United Heritage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.17%
12208 N Mopac Expy, Austin, TX, 78758
New/Used Auto Loan
3.99%
0 to 36 Months
▼
APR3.99%
Term0 to 36 Months
Last UpdatedAug 28, 2026
Details
As Low As
Sabine Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
1939 Strickland Dr, Orange, TX, 77630 2901
New or Used Autos or Harley Davidson Motorcycles (36 months or less)
4.00%
36 months or less
▼
APR4.00%
Term36 months or less
Last UpdatedAug 28, 2026
Details
Temple Inland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
109 N Temple Dr, Diboll, TX, 75941
New & Used Auto
4.00%
36-60
▼
APR4.00%
Term36-60
Last UpdatedAug 28, 2026
Details
Tier 1 750-up
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
676 Magnolia Ave, Port Neches, TX, 77651
Used Auto Loan
4.00%
Up to 48 months
▼
APR4.00%
TermUp to 48 months
Last UpdatedAug 28, 2026
Details
All model years; Vehicles with less than 20k miles
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.62%
3505 Wildewood Dr, San Angelo, TX, 76904
Used Automobiles & Light Trucks
4.00%
36 mos.
▼
APR4.00%
Term36 mos.
Last UpdatedAug 28, 2026
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.76%
8500 W Bay Rd # 32, Baytown, TX, 77523 8727
New/Used Vehicles 730+ A+ Loan
4.00%
24 Mo.
▼
APR4.00%
Term24 Mo.
Last UpdatedAug 28, 2026
Details
Gulf Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.27%
5140 W Parkway St, Groves, TX, 77619
New & Used Autos
4.00%
36 months
▼
APR4.00%
Term36 months
Last UpdatedAug 28, 2026
Details
As Low As
Concho Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
1002 S Abe St, San Angelo, TX, 76903 7240
Used Autos
4.00%
24 to 60 months
▼
APR4.00%
Term24 to 60 months
Last UpdatedAug 28, 2026
Details
As low as; Maximum Loan: NADA RETAIL VALUE
Mesquite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
1510 N Galloway Ave, Mesquite, TX, 75149
New and Used Vehicles Loan
4.10%
Up to 72 Months
▼
APR4.10%
TermUp to 72 Months
Last UpdatedAug 28, 2026
Details
As Low As
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
12611 Fuqua St, Houston, TX, 77034
Used & New Auto Loans
4.14%
49-60 months
▼
APR4.14%
Term49-60 months
Last UpdatedAug 28, 2026
Details
As Low As; *
Temple Inland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
109 N Temple Dr, Diboll, TX, 75941
New & Used Auto
4.15%
36-60
▼
APR4.15%
Term36-60
Last UpdatedAug 28, 2026
Details
Tier 2 700-749
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
2801 N 6th St, Abilene, TX, 79603
Used Auto Loans - Cars and Light Trucks - 2023
4.20%
1 - 78 months
▼
APR4.20%
Term1 - 78 months
Last UpdatedAug 28, 2026
Details
Model Year: 2023
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
3301 Airport Fwy Ste 175, Bedford, TX, 76021 6123
New and Used Autos
4.24%
24 Months
▼
APR4.24%
Term24 Months
Last UpdatedAug 28, 2026
Details
Sabine Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
1939 Strickland Dr, Orange, TX, 77630 2901
New or Used Autos or Harley Davidson Motorcycles (48 months or less)
4.25%
48 months or less
▼
APR4.25%
Term48 months or less
Last UpdatedAug 28, 2026
Details
Sabine Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
1939 Strickland Dr, Orange, TX, 77630 2901
New or Used Autos or Harley Davidson Motorcycles (60 months or less)
4.25%
60 months or less
▼
APR4.25%
Term60 months or less
Last UpdatedAug 28, 2026
Details
Temple Inland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
109 N Temple Dr, Diboll, TX, 75941
New & Used Auto
4.25%
78-84
▼
APR4.25%
Term78-84
Last UpdatedAug 28, 2026
Details
Tier 1 750-up
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
676 Magnolia Ave, Port Neches, TX, 77651
Used Auto Loan
4.25%
Up to 60 months
▼
APR4.25%
TermUp to 60 months
Last UpdatedAug 28, 2026
Details
2020 & newer; Vehicles with less than 20k miles
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.67%
9601 Jones Rd, Houston, TX, 77065
New & Used Auto
4.25%
36 to 84 Months
▼
APR4.25%
Term36 to 84 Months
Last UpdatedAug 28, 2026
Details
As Low As
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.76%
8500 W Bay Rd # 32, Baytown, TX, 77523 8727
New/Used Vehicles 730+ A+ Loan
4.25%
48 Mo.
▼
APR4.25%
Term48 Mo.
Last UpdatedAug 28, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
16320 Kensington Dr, Sugar Land, TX, 77479 4097
Used Automobile Loan
4.25%
Up to 36 Months
▼
APR4.25%
TermUp to 36 Months
Last UpdatedAug 28, 2026
Details
As Low As; Fixed Rate
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
14090 Southwest Fwy Ste 260, Sugar Land, TX, 77478 3678
Used Auto Loan
4.25%
48 months
▼
APR4.25%
Term48 months
Last UpdatedAug 28, 2026
Details
As Low As; Up to 5 Years old / 2021+; Up to $250,000
Education First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.62%
740 Fannin St, Beaumont, TX, 77701
New and Used Vehicle Loan
4.25%
72 Months
▼
APR4.25%
Term72 Months
Last UpdatedAug 28, 2026
Details
The APR shown reflects our best rate including discounts and may be different based on credit underwriting or services used. All rates are subject to change without notice.
Gulf Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.27%
5140 W Parkway St, Groves, TX, 77619
New & Used Autos
4.25%
48 months
▼
APR4.25%
Term48 months
Last UpdatedAug 28, 2026
Details
As Low As
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
24909 Kuykendahl Rd, Tomball, TX, 77375 3295
USED Autos - Up to 36 Months
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedAug 28, 2026
Details
As Low As; Rates as low as 4.25% - 13.75%
Southern Star Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
16035 W Little York Rd, Houston, TX, 77084
Used Auto Loans
4.25%
Up to 36 Months
▼
APR4.25%
TermUp to 36 Months
Last UpdatedAug 28, 2026
Details
As Low As
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
2736 Nall St, Port Neches, TX, 77651 5204
Used Auto Loans
4.25%
0-24 months
▼
APR4.25%
Term0-24 months
Last UpdatedAug 28, 2026
Details
DuGood Federal Credit Union
Institution Rating:
F2.8 ★ Texas Ratio: 0.47%
7505 Eastex Fwy Ste B, Beaumont, TX, 77708
New & Used Auto Loan
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedAug 28, 2026
Details
Vehicle Age: Up to 2026
The Peoples Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.36%
7200 Hillside Rd, Amarillo, TX, 79109 7460
New & Used Vehicles Loan
4.29%
3 yrs*
▼
APR4.29%
Term3 yrs*
Last UpdatedAug 28, 2026
Details
As low as
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
12611 Fuqua St, Houston, TX, 77034
Used & New Auto Loans
4.29%
61-72 months
▼
APR4.29%
Term61-72 months
Last UpdatedAug 28, 2026
Details
As Low As; *
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
2801 N 6th St, Abilene, TX, 79603
Used Auto Loans - Cars and Light Trucks - 2022
4.30%
1 - 72 months
▼
APR4.30%
Term1 - 72 months
Last UpdatedAug 28, 2026
Details
Model Year: 2022
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
1 Valero Way, San Antonio, TX, 78249 1616
New & Used Vehicles - 60 months Loan
4.35%
60 months
▼
APR4.35%
Term60 months
Last UpdatedAug 28, 2026
Details
As Low As
Southwest Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.85%
1750 Valley View Ln Ste 110, Farmers Branch, TX, 75234 9024
Used Auto
4.39%
Up to 72 months
▼
APR4.39%
TermUp to 72 months
Last UpdatedAug 28, 2026
Details
As low as; Rate includes 0.25% discount for automatic payment.
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
2801 N 6th St, Abilene, TX, 79603
Used Auto Loans - Cars and Light Trucks - 2021
4.40%
1 - 66 months
▼
APR4.40%
Term1 - 66 months
Last UpdatedAug 28, 2026
Details
Model Year: 2021
Americas Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
2154 FOREST LN, GARLAND, TX, 75042
New and Used Auto Loans
4.40%
60-Months
▼
APR4.40%
Term60-Months
Last UpdatedAug 28, 2026
Details
As Low As
Swemp Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
601 OLIVE ST, TEXARKANA, TX, 75501
Pre-Owned Autos
4.45%
Up to 84 Months
▼
APR4.45%
TermUp to 84 Months
Last UpdatedAug 28, 2026
Details
As Low As; Based On Credit Score And Loan Term. Rates are based on a combination of your credit score, terms and other lending criteria. Each application is evaluated on an individual basis. Rates up to 18%. Stated "rates as low as" apply to well-qualified applicants.
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
2105 W Grande Blvd, Tyler, TX, 75703 0551
Used Vehicle Loan
4.49%
Up to 48 Months
▼
APR4.49%
TermUp to 48 Months
Last UpdatedAug 28, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
3301 Airport Fwy Ste 175, Bedford, TX, 76021 6123
New and Used Autos
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedAug 28, 2026
Details
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
2455 Stringer St, Brenham, TX, 77833
2023-2025 Used Vehicles Loan
4.49%
Up to 48 Months
▼
APR4.49%
TermUp to 48 Months
Last UpdatedAug 28, 2026
Details
Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.57%
4800 GROVER AVE, AUSTIN, TX, 78756
New and Used Vehicles Loan
4.49%
Up to 48 Months
▼
APR4.49%
TermUp to 48 Months
Last UpdatedAug 28, 2026
Details
Metro Medical Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
8200 Brookriver Dr Ste N110, Dallas, TX, 75247
Used Auto Loans
4.49%
Up to 36 months
▼
APR4.49%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details
As Low As; * APR
City Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
7474 Ferguson Rd, Dallas, TX, 75228
New or Used Auto Loans
4.49%
24 months
▼
APR4.49%
Term24 months
Last UpdatedAug 28, 2026
Details
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
13649 Montfort Dr, Dallas, TX, 75240 2521
Auto Loans Used 54 months or Less
4.49%
54 months or Less
▼
APR4.49%
Term54 months or Less
Last UpdatedAug 28, 2026
Details
As low as
Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.19%
17 S 1st St, Temple, TX, 76501 7603
Pre-Owned Auto
4.49%
36-month
▼
APR4.49%
Term36-month
Last UpdatedAug 28, 2026
Details
As low as
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MonitorBankRates
Texas Auto Loan Rate Trends
Compare local Texas auto loan rates against the statewide average
Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
New Auto Loan — TX Avg
5.934%
▲ 0.143 vs 7 days ago
Texas new auto rates rose 0.143 points over the past 7 days to 5.934% APR.
Used Auto Loan — TX Avg
5.981%
▲ 0.167 vs 7 days ago
Texas used auto rates rose 0.167 points over the past 7 days to 5.981% APR.
As of Aug 29, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
What Would Your Monthly Car Payment Be?
Estimated monthly payments on a standard 60-month auto loan at today’s average Texas APRs. Even a small APR difference adds up over the life of a car loan — use the calculator below to model your exact loan.
| Loan Amount | New Auto @ 5.93% APR TX average | Used Auto @ 5.98% APR TX average | Monthly Difference |
|---|---|---|---|
| $15,000 | $289.53/mo | $289.86/mo | $0.32/mo |
| $25,000 | $482.56/mo | $483.10/mo | $0.54/mo |
| $35,000 | $675.58/mo | $676.34/mo | $0.76/mo |
| $45,000 | $868.60/mo | $869.57/mo | $0.97/mo |
Principal and interest only, 60-month term, calculated from current average APRs. Taxes, title, registration, and optional add-ons are not included. Your APR depends on credit score, loan term, vehicle age, and lender underwriting.
About Our Texas Auto Loan Rate Database
86 Local Lenders Tracked
Banks & Credit Unions
Updated Daily
Our Texas auto loan tables currently track 86 banks and credit unions offering new and used vehicle financing to borrowers in this market. Every APR is sourced directly from the lender’s own website and re-verified regularly, so the rates you compare here reflect what lenders are actually advertising today — not stale or estimated numbers.
The lowest verified auto loan APR in our Texas database right now is 1.99% APR from BELTON. Advertised APRs typically assume excellent credit, so use the full rate table above to compare offers across your actual credit tier.
How to Get the Best Auto Loan Rate in Texas
1
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Texas locks in a real rate before you set foot on a dealer lot. It turns you into a cash buyer, gives you a benchmark to beat, and protects you from dealer financing markups — dealers can legally add points to the rate a lender actually approved you for.
2
Check Credit Unions First
Credit unions consistently offer some of the lowest auto loan APRs in Texas. Membership is usually easier to get than people expect — many local credit unions accept anyone who lives, works, or worships in the area, and some let you join with a small donation to a partner charity.
3
Choose the Shortest Term You Can Afford
Shorter terms almost always carry lower APRs, and you pay interest for fewer months. A 72- or 84-month loan lowers the monthly payment but dramatically raises total interest cost and increases the time you spend “underwater” — owing more than the car is worth. Aim for 60 months or less if the payment fits your budget.
4
Mind the New vs. Used Rate Spread
Used car loans typically run 0.5 to 1.5 percentage points above new car rates. If you’re shopping late-model used vehicles, ask about certified pre-owned programs — CPO vehicles sometimes qualify for new-car financing rates, which can offset part of the price difference between the two.
Building a down payment, or is an auto loan not the right fit?
- Saving up for a bigger down payment → park it in a Texas high-yield savings account so it earns while you shop
- Buying from a private seller where auto financing is harder to arrange → compare personal loan rates
- Car fund you won’t need for a set period → Texas CD rates lock in a guaranteed return until you’re ready to buy
Texas Financial Snapshot
Local demographics and economic context for car buyers — Source: U.S. Census Bureau
$44,072
Median Individual Earnings
National avg: $47,340
5.2%
Unemployment Rate
National avg: 4.8%
13.8%
Poverty Rate
National avg: 11.1%
$579/mo
Payment on a $30K / 60-mo Loan
At TX new-auto avg 5.93% APR
A $579 monthly car payment works out to roughly 15.8% of the median individual income in Texas. Most budgeting guidelines suggest keeping total vehicle costs — payment, insurance, fuel, and maintenance — under 15–20% of take-home pay.
Auto Financing Options Compared
An auto loan isn’t the only way to finance a vehicle in Texas — but for most borrowers it’s the cheapest. Here’s how the main options stack up.
| Feature | Credit Union Auto Loan | Bank Auto Loan | Dealer Financing | Personal Loan |
|---|---|---|---|---|
| Typical APR Level | ✓ Often lowest | ✓ Competitive | ● Varies — can be marked up | ✗ Highest (unsecured) |
| Rate Locked Before You Shop | ✓ Yes, via preapproval | ✓ Yes, via preapproval | ✗ Arranged at the dealership | ✓ Yes |
| Membership / Relationship Required | ● Membership (usually easy) | ✗ No | ✗ No | ✗ No |
| Works for Private-Party Sales | ✓ Usually | ● Sometimes | ✗ No | ✓ Yes |
| Convenience at Purchase | ● Preapproval step first | ● Preapproval step first | ✓ One-stop at the dealer | ● Funds in 1–3 days |
| Best For | Lowest total cost of borrowing | Existing bank customers & rate discounts | Manufacturer 0% promos on new cars | Older vehicles lenders won’t finance |
General comparison for educational purposes. Manufacturer promotional financing (0–2.9% APR offers) through dealers can beat any bank or credit union rate when you qualify — always compare the promo against a cash rebate plus outside financing.
Auto Loan Payment Calculator
Estimate your monthly payment on a new or used vehicle in Texas. We’ve prefilled the APR with today’s TX new-auto average — or click any current rate on the right to apply it instantly.
$
$
%
Current Rates — Click to Apply
$0
Estimated Monthly Payment
Loan Amount$0
Total Interest Paid$0
Total of All Payments$0
Total Cost incl. Down Payment$0
Estimates include principal and interest only. Sales tax, title, registration, documentation fees, and optional products (GAP, warranties) are not included and are often financed into the loan. Advertised APRs typically require excellent credit; your rate may differ.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Texas auto loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Auto Loan Rate Data: We aggregate new and used auto loan rates for Texas directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the lenders’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available auto loan products in Texas. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in TX.
Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.
Frequently Asked Questions about Auto Loans in Texas
How does my credit score affect my car loan rate in Texas?
Your credit score is the biggest factor determining your auto loan APR. Borrowers in Texas with excellent credit (750+) qualify for the lowest rates, while those with lower scores will see significantly higher interest costs.
Is it better to finance through a dealership or a bank?
It is highly recommended to get pre-approved through a local bank or credit union in Texas *before* visiting a dealership. Dealerships often mark up interest rates to make a profit.
What is the difference between New and Used Auto Loan rates?
Lenders in Texas typically offer lower interest rates for new cars because they are easier to value and represent less risk. Used car loans generally carry slightly higher APRs.
How long should my auto loan term be?
While 72-month and 84-month loans lower your monthly payment, they cost you far more in total interest. The ideal auto loan term is 60 months or less.
Should I get preapproved for an auto loan before visiting a dealer in Texas?
Yes. A preapproval from a bank or credit union serving Texas gives you a real rate to compare against dealer financing and turns you into a cash buyer at the negotiating table. Dealers often mark up the rates they arrange, so walking in with a preapproved offer routinely saves buyers money on the financing side of the deal.
Why are used car loan rates higher than new car rates?
Lenders charge more for used vehicles because they are harder to value, depreciate unpredictably, and carry more repossession risk. The spread between new and used rates is typically 0.5 to 1.5 percentage points. A late-model certified pre-owned vehicle sometimes qualifies for new-car rates, so ask the lender how they classify the vehicle before assuming the used rate applies.
Can I refinance my auto loan if rates drop or my credit improves?
Yes. Auto loan refinancing is usually fast and often fee-free. If your credit score has improved since you bought the vehicle, or you financed at a marked-up dealer rate, refinancing with a bank or credit union serving Texas can lower your monthly payment or shorten your term. It makes the most sense early in the loan, while most of your payments are still going to interest.
What are the best Auto Loan rates in Texas?
Based on our current data, some of the lowest auto loan rates available in Texas include:
- BELTON: 1.99% (New Vehicle Loan)
- Mclennan County Employees Federal Credit Union: 2.00% (New Vehicles Loan)
- Southern Federal Credit Union: 2.50% (Auto Loans)
- HIGHWAY DISTRICT 21: 2.50% (Vehicle Loan)
- IBEW Local 66 Federal Credit Union: 2.95% (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: August 28, 2026
Auto Loan Rates by City in Texas
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