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

Content reviewed by
Brian McKay Brian McKay
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| i Editorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Galveston, Texas. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
| ✓Fact Checked | Auto Loan Rates — Last Updated and Verified: May 12, 2026

Current auto loan rates in Galveston, Texas include Amoco Federal Credit UnionAmoco Federal Credit Union6216 Broadway St, Galveston, TX, 77551A5.0 ★Texas Ratio: 6.48% offering New And Used Autos at 4.39%, University Federal Credit UnionUniversity Federal Credit Union428 Post Office ST, Galveston, TX, 77550A5.0 ★Texas Ratio: 8.47% offering Auto Loan at 4.99%, IBEW Local 66 Federal Credit UnionIBEW Local 66 Federal Credit UnionA+5.0 ★Texas Ratio: 1.98% offering New Automobile (NA) at 2.95%, TEXOMA EDUCATORSTEXOMA EDUCATORSA+5.0 ★Texas Ratio: 0.63% offering New vehicles at 2.99%, Lubrizol Employees Credit UnionLubrizol Employees Credit UnionA+5.0 ★Texas Ratio: 1.18% offering New & Used Automobile at 3.24%. Auto loan rates as of May 12, 2026 according to verified data from MonitorBankRates.

Galveston has 2 local institutions in our database, with auto loan rates as low as 4.39% APR from Amoco Federal Credit Union at 6216 Broadway St, Galveston, TX, 77551. Use the tabs below to compare new and used auto loan rates. Rates are continually updated — we recommend checking back frequently.

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

Compare Auto Loan Rates Today in Galveston, Texas & Surrounding Area

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.48%
6216 Broadway St, Galveston, TX, 77551
New And Used Autos
4.39%
Up to 36
View
▼
APR4.39%
TermUp to 36
Last UpdatedMay 6, 2026
Details

As Low As

Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.48%
6216 Broadway St, Galveston, TX, 77551
New And Used Autos
4.54%
49 - 60
View
▼
APR4.54%
Term49 - 60
Last UpdatedMay 6, 2026
Details

As Low As

Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.48%
6216 Broadway St, Galveston, TX, 77551
New And Used Autos
4.64%
37 - 48
View
▼
APR4.64%
Term37 - 48
Last UpdatedMay 6, 2026
Details

As Low As

Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.48%
6216 Broadway St, Galveston, TX, 77551
New And Used Autos
4.79%
61 - 75
View
▼
APR4.79%
Term61 - 75
Last UpdatedMay 6, 2026
Details

As Low As

University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
428 Post Office ST, Galveston, TX, 77550
Auto Loan
4.99%
1 to 48
View
▼
APR4.99%
Term1 to 48
Last UpdatedMay 4, 2026
Details

University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
428 Post Office ST, Galveston, TX, 77550
Auto Loans
4.99%
1 to 48 Months
View
▼
APR4.99%
Term1 to 48 Months
Last UpdatedMay 4, 2026
Details

Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.48%
6216 Broadway St, Galveston, TX, 77551
New And Used Autos
5.29%
76 - 84
View
▼
APR5.29%
Term76 - 84
Last UpdatedMay 6, 2026
Details

As Low As

University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
428 Post Office ST, Galveston, TX, 77550
Auto Loan
5.64%
49 to 66
View
▼
APR5.64%
Term49 to 66
Last UpdatedMay 4, 2026
Details

University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
428 Post Office ST, Galveston, TX, 77550
Auto Loan
5.89%
67 Plus
View
▼
APR5.89%
Term67 Plus
Last UpdatedMay 4, 2026
Details

University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
428 Post Office ST, Galveston, TX, 77550
Auto Loan
6.24%
1 to 48
View
▼
APR6.24%
Term1 to 48
Last UpdatedMay 4, 2026
Details

University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
428 Post Office ST, Galveston, TX, 77550
Business Auto Loans
6.25%
12 to 48
View
▼
APR6.25%
Term12 to 48
Last UpdatedMay 4, 2026
Details

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

University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
428 Post Office ST, Galveston, TX, 77550
Auto Loan
6.64%
49 to 66
View
▼
APR6.64%
Term49 to 66
Last UpdatedMay 4, 2026
Details

University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
428 Post Office ST, Galveston, TX, 77550
Business Auto Loans
6.75%
49 to 66
View
▼
APR6.75%
Term49 to 66
Last UpdatedMay 4, 2026
Details

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

University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
428 Post Office ST, Galveston, TX, 77550
Auto Loan
6.89%
67 Plus
View
▼
APR6.89%
Term67 Plus
Last UpdatedMay 4, 2026
Details

University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
428 Post Office ST, Galveston, TX, 77550
Business Auto Loans
7.00%
12 to 48
View
▼
APR7.00%
Term12 to 48
Last UpdatedMay 4, 2026
Details

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

University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
428 Post Office ST, Galveston, TX, 77550
Auto Loan
7.49%
1 to 48
View
▼
APR7.49%
Term1 to 48
Last UpdatedMay 4, 2026
Details

University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
428 Post Office ST, Galveston, TX, 77550
Business Auto Loans
7.50%
49 to 66
View
▼
APR7.50%
Term49 to 66
Last UpdatedMay 4, 2026
Details

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

University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
428 Post Office ST, Galveston, TX, 77550
Auto Loan
7.89%
49 to 66
View
▼
APR7.89%
Term49 to 66
Last UpdatedMay 4, 2026
Details

University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
428 Post Office ST, Galveston, TX, 77550
Business Auto Loans
8.00%
12 to 48
View
▼
APR8.00%
Term12 to 48
Last UpdatedMay 4, 2026
Details

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

University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
428 Post Office ST, Galveston, TX, 77550
Auto Loan
8.14%
67 Plus
View
▼
APR8.14%
Term67 Plus
Last UpdatedMay 4, 2026
Details

University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
428 Post Office ST, Galveston, TX, 77550
Business Auto Loans
8.25%
12 to 36 Months
View
▼
APR8.25%
Term12 to 36 Months
Last UpdatedMay 4, 2026
Details

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

University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
428 Post Office ST, Galveston, TX, 77550
Business Auto Loans
8.50%
49 to 66
View
▼
APR8.50%
Term49 to 66
Last UpdatedMay 4, 2026
Details

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

University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
428 Post Office ST, Galveston, TX, 77550
Business Auto Loans
8.75%
37 to 60 Months
View
▼
APR8.75%
Term37 to 60 Months
Last UpdatedMay 4, 2026
Details

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

University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
428 Post Office ST, Galveston, TX, 77550
Business Auto Loans
9.00%
12 to 36 Months
View
▼
APR9.00%
Term12 to 36 Months
Last UpdatedMay 4, 2026
Details

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

University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
428 Post Office ST, Galveston, TX, 77550
Auto Loan
9.39%
1 to 48
View
▼
APR9.39%
Term1 to 48
Last UpdatedMay 4, 2026
Details

University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
428 Post Office ST, Galveston, TX, 77550
Business Auto Loans
9.50%
37 to 60 Months
View
▼
APR9.50%
Term37 to 60 Months
Last UpdatedMay 4, 2026
Details

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

University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
428 Post Office ST, Galveston, TX, 77550
Auto Loan
9.64%
49 to 66
View
▼
APR9.64%
Term49 to 66
Last UpdatedMay 4, 2026
Details

University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
428 Post Office ST, Galveston, TX, 77550
Auto Loan
9.89%
67 Plus
View
▼
APR9.89%
Term67 Plus
Last UpdatedMay 4, 2026
Details

University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
428 Post Office ST, Galveston, TX, 77550
Business Auto Loans
10.00%
12 to 36 Months
View
▼
APR10.00%
Term12 to 36 Months
Last UpdatedMay 4, 2026
Details

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

University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
428 Post Office ST, Galveston, TX, 77550
Business Auto Loans
10.50%
37 to 60 Months
View
▼
APR10.50%
Term37 to 60 Months
Last UpdatedMay 4, 2026
Details

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

University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
428 Post Office ST, Galveston, TX, 77550
Auto Loan
14.65%
1 to 48
View
▼
APR14.65%
Term1 to 48
Last UpdatedMay 4, 2026
Details

University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
428 Post Office ST, Galveston, TX, 77550
Auto Loan
15.10%
49 to 66
View
▼
APR15.10%
Term49 to 66
Last UpdatedMay 4, 2026
Details

University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
428 Post Office ST, Galveston, TX, 77550
Auto Loan
15.35%
67 Plus
View
▼
APR15.35%
Term67 Plus
Last UpdatedMay 4, 2026
Details

University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
428 Post Office ST, Galveston, TX, 77550
Auto Loan
17.25%
1 to 48
View
▼
APR17.25%
Term1 to 48
Last UpdatedMay 4, 2026
Details

University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
428 Post Office ST, Galveston, TX, 77550
Auto Loan
17.70%
49 to 66
View
▼
APR17.70%
Term49 to 66
Last UpdatedMay 4, 2026
Details

University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
428 Post Office ST, Galveston, TX, 77550
Auto Loan
17.90%
67 Plus
View
▼
APR17.90%
Term67 Plus
Last UpdatedMay 4, 2026
Details

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

Grade: A+ (800+)

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

Grade: A+ (800+)

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

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

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

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

As Low As

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

As Low As; APR - 2026 & Newer

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

As Low As

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

As Low As; Fewer than 7,500 miles

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

As Low As; Fewer than 100,000 miles

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

As Low As

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

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

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

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

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

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

As Low As

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

As Low As

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

As Low As

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

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

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

As Low As

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

As Low As

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

As Low As

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

As Low As; Fixed-Rate

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

As Low As

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

As Low As

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

Grade: A+ (800+)

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

Grade: A+ (800+)

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

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

As Low As

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

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

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

As Low As; 24 month to 84 month terms

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

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

As Low As; Qualifying rate - Conditions apply

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

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

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

As Low As

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

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

As Low As

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

As Low As

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

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

As Low As

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

As Low As; APR - 2026 & Newer

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

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

Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
New Auto
3.99%
36-month
View
▼
APR3.99%
Term36-month
Last UpdatedMay 12, 2026
Details

As Low As

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

As Low As

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

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

As Low As

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

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

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

As Low As

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

As Low As

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

As Low As

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

As Low As

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

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

As Low As; Maximum Loan: 100%

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

As Low As; Maximum Loan: NADA RETAIL VALUE

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

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

As Low As; 2019-2025 Model Years

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

As Low As

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

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

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

As Low As

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

As Low As

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

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

As Low As

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

As Low As

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

As Low As

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

As Low As; Qualifying rate - Conditions apply

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

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

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

As Low As

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

As Low As

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

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

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

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

As Low As

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

As Low As

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

As Low As

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

As Low As; Fewer than 7,500 miles

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

As Low As; Fewer than 100,000 miles

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

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

As Low As

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

As Low As

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

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

As Low As

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

As Low As

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

As Low As

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

As Low As

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

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

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

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

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

As Low As

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

As Low As

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

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

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

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

As Low As

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

As Low As

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

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

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

As Low As

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

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

As Low As; Up to 48 Months

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

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

As Low As

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

As Low As

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

As Low As

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

As Low As

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

As Low As

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

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

As Low As

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

As Low As; APR - 2023 - 2025*

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

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

As Low As

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

As Low As

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

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

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

As Low As

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

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

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

As Low As

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

up to 60 month financing available

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

As Low As

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

As Low As

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

As Low As

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

As Low As; Qualifying rate - Conditions apply

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

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

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

As Low As

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

As Low As; Maximum Loan: 100%

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

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

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

As Low As; Fewer than 7,500 miles

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

As Low As; Fewer than 100,000 miles

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

2011 to 2015 Model Year

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

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

As Low As; Loyalty Plus & Online Application Discount

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

As Low As

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

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

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

As Low As

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

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

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

As Low As

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

As Low As

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

2016 to 2019 Model Year

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

As Low As

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loan
4.69%
Up to 24 months
View
▼
APR4.69%
TermUp to 24 months
Last UpdatedMay 6, 2026
Details

As Low As

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loans
4.69%
Up to 24 months
View
▼
APR4.69%
TermUp to 24 months
Last UpdatedMay 6, 2026
Details

As Low As

Rockdale Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
New Vehicles
4.69%
48 Months
View
▼
APR4.69%
Term48 Months
Last UpdatedMay 7, 2026
Details

Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
car loans risk grade a++
4.70%
2 Yrs
View
▼
APR4.70%
Term2 Yrs
Last UpdatedMay 6, 2026
Details

2011 to 2015

Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
Auto Loans
4.74%
36 months
View
▼
APR4.74%
Term36 months
Last UpdatedMay 6, 2026
Details

As Low As; Qualified buyers: Take 90 days to make your first payment.

Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
Used Auto Loans
4.74%
36 months
View
▼
APR4.74%
Term36 months
Last UpdatedMay 6, 2026
Details

As Low As; Qualified buyers: Take 90 days to make your first payment.

Lubbock Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Auto Loan
4.74%
60 Months
View
▼
APR4.74%
Term60 Months
Last UpdatedMay 6, 2026
Details

Lubbock Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Auto Loan
4.74%
48 Months
View
▼
APR4.74%
Term48 Months
Last UpdatedMay 6, 2026
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
4.74%
48 Months
View
▼
APR4.74%
Term48 Months
Last UpdatedMay 10, 2026
Details

As Low As

Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.59%
2019 - 2022 Used Vehicles
4.74%
Up to 48 Months
View
▼
APR4.74%
TermUp to 48 Months
Last UpdatedMay 10, 2026
Details

Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.59%
2026 New Vehicles & Newer
4.74%
Up to 60 Months
View
▼
APR4.74%
TermUp to 60 Months
Last UpdatedMay 10, 2026
Details

Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.73%
Auto Loans Used
4.74%
72 Months
View
▼
APR4.74%
Term72 Months
Last UpdatedMay 12, 2026
Details

As Low As

Keystone Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.48%
New Vehicle
4.74%
78 Months
View
▼
APR4.74%
Term78 Months
Last UpdatedMay 12, 2026
Details

Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
New Auto Loan
4.74%
Up to 36 Months
View
▼
APR4.74%
TermUp to 36 Months
Last UpdatedMay 12, 2026
Details

As Low As

TEXAS TECH
Institution Rating:
A5.0 ★ Texas Ratio: 8.53%
New Auto Loan
4.74%
60 Months
View
▼
APR4.74%
Term60 Months
Last UpdatedMay 12, 2026
Details

TEXAS TECH
Institution Rating:
A5.0 ★ Texas Ratio: 8.53%
Used Auto Loan
4.74%
48 Months
View
▼
APR4.74%
Term48 Months
Last UpdatedMay 12, 2026
Details

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

As Low As

Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
Car Loans
4.75%
4 Months
View
▼
APR4.75%
Term4 Months
Last UpdatedMay 6, 2026
Details

2020 to 2024 Model Year

Healthcare Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
New Autos: 2025 - 2026, Demos < 10,000 Miles
4.75%
Up to 48 months
View
▼
APR4.75%
TermUp to 48 months
Last UpdatedMay 6, 2026
Details

Healthcare Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
Used Autos: 2017 - 2025
4.75%
Up to 48 months
View
▼
APR4.75%
TermUp to 48 months
Last UpdatedMay 6, 2026
Details

Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
New Auto Loan
4.75%
78 Months
View
▼
APR4.75%
Term78 Months
Last UpdatedMay 6, 2026
Details

As Low As

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.48%
6216 Broadway St, Galveston, TX, 77551
New And Used Autos
4.39%
Up to 36
View
▼
APR4.39%
TermUp to 36
Last UpdatedMay 6, 2026
Details

As Low As

Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.48%
6216 Broadway St, Galveston, TX, 77551
New And Used Autos
4.54%
49 - 60
View
▼
APR4.54%
Term49 - 60
Last UpdatedMay 6, 2026
Details

As Low As

Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.48%
6216 Broadway St, Galveston, TX, 77551
New And Used Autos
4.64%
37 - 48
View
▼
APR4.64%
Term37 - 48
Last UpdatedMay 6, 2026
Details

As Low As

Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.48%
6216 Broadway St, Galveston, TX, 77551
New And Used Autos
4.79%
61 - 75
View
▼
APR4.79%
Term61 - 75
Last UpdatedMay 6, 2026
Details

As Low As

Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.48%
6216 Broadway St, Galveston, TX, 77551
New And Used Autos
5.29%
76 - 84
View
▼
APR5.29%
Term76 - 84
Last UpdatedMay 6, 2026
Details

As Low As

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

Grade: A+ (800+)

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

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

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

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

As Low As

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

As Low As

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

As Low As; Fewer than 7,500 miles

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

As Low As

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

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

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

As Low As

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

As Low As

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

As Low As

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

As Low As

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

As Low As

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

As Low As

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

As Low As

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

As Low As

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

Grade: A+ (800+)

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

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

As Low As

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

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

As Low As; Qualifying rate - Conditions apply

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

As Low As

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

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

As Low As

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

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

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

Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
New Auto
3.99%
36-month
View
▼
APR3.99%
Term36-month
Last UpdatedMay 12, 2026
Details

As Low As

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

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

As Low As

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

As Low As

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

As Low As

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

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

As Low As; Maximum Loan: 100%

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

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

As Low As; 2019-2025 Model Years

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

As Low As

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

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

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

As Low As

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

As Low As

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

As Low As

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

As Low As; Qualifying rate - Conditions apply

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

As Low As

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

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

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

As Low As

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

As Low As; Fewer than 7,500 miles

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

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

As Low As

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

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

As Low As

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

As Low As

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

As Low As

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

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

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

As Low As

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

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

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

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

As Low As

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

As Low As

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

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

As Low As

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

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

As Low As; Up to 48 Months

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

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

As Low As

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

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

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

As Low As

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

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

As Low As

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

As Low As

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

up to 60 month financing available

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

As Low As

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

As Low As; Qualifying rate - Conditions apply

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

As Low As; Maximum Loan: 100%

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

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

As Low As; Fewer than 7,500 miles

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

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

As Low As

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

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

As Low As

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

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

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

As Low As

Rockdale Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
New Vehicles
4.69%
48 Months
View
▼
APR4.69%
Term48 Months
Last UpdatedMay 7, 2026
Details

Lubbock Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Auto Loan
4.74%
60 Months
View
▼
APR4.74%
Term60 Months
Last UpdatedMay 6, 2026
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
4.74%
48 Months
View
▼
APR4.74%
Term48 Months
Last UpdatedMay 10, 2026
Details

As Low As

Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.59%
2026 New Vehicles & Newer
4.74%
Up to 60 Months
View
▼
APR4.74%
TermUp to 60 Months
Last UpdatedMay 10, 2026
Details

Keystone Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.48%
New Vehicle
4.74%
78 Months
View
▼
APR4.74%
Term78 Months
Last UpdatedMay 12, 2026
Details

Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
New Auto Loan
4.74%
Up to 36 Months
View
▼
APR4.74%
TermUp to 36 Months
Last UpdatedMay 12, 2026
Details

As Low As

TEXAS TECH
Institution Rating:
A5.0 ★ Texas Ratio: 8.53%
New Auto Loan
4.74%
60 Months
View
▼
APR4.74%
Term60 Months
Last UpdatedMay 12, 2026
Details

Healthcare Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
New Autos: 2025 - 2026, Demos < 10,000 Miles
4.75%
Up to 48 months
View
▼
APR4.75%
TermUp to 48 months
Last UpdatedMay 6, 2026
Details

Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
New Auto Loan
4.75%
78 Months
View
▼
APR4.75%
Term78 Months
Last UpdatedMay 6, 2026
Details

As Low As

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.48%
6216 Broadway St, Galveston, TX, 77551
New And Used Autos
4.39%
Up to 36
View
▼
APR4.39%
TermUp to 36
Last UpdatedMay 6, 2026
Details

As Low As

Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.48%
6216 Broadway St, Galveston, TX, 77551
New And Used Autos
4.54%
49 - 60
View
▼
APR4.54%
Term49 - 60
Last UpdatedMay 6, 2026
Details

As Low As

Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.48%
6216 Broadway St, Galveston, TX, 77551
New And Used Autos
4.64%
37 - 48
View
▼
APR4.64%
Term37 - 48
Last UpdatedMay 6, 2026
Details

As Low As

Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.48%
6216 Broadway St, Galveston, TX, 77551
New And Used Autos
4.79%
61 - 75
View
▼
APR4.79%
Term61 - 75
Last UpdatedMay 6, 2026
Details

As Low As

Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.48%
6216 Broadway St, Galveston, TX, 77551
New And Used Autos
5.29%
76 - 84
View
▼
APR5.29%
Term76 - 84
Last UpdatedMay 6, 2026
Details

As Low As

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

Grade: A+ (800+)

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

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

As Low As

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

As Low As

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

As Low As; Fewer than 100,000 miles

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

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

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

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

As Low As

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

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

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

As Low As

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

As Low As

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

As Low As

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

As Low As

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

As Low As

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

Grade: A+ (800+)

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

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

As Low As

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

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

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

As Low As

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

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

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

As Low As

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

As Low As

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

As Low As; Maximum Loan: NADA RETAIL VALUE

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

As Low As; 2019-2025 Model Years

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

As Low As

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

As Low As

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

As Low As

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

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

As Low As

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

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

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

As Low As

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

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

As Low As

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

As Low As; Fewer than 100,000 miles

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

As Low As

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

As Low As

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

As Low As

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

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

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

As Low As

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

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

As Low As

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

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

As Low As; Up to 48 Months

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

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

As Low As

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

As Low As

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

As Low As

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

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

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

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

As Low As

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

As Low As

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

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

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

As Low As

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

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

As Low As; Fewer than 100,000 miles

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

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

As Low As; Loyalty Plus & Online Application Discount

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

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

As Low As

Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
Used Auto Loans
4.74%
36 months
View
▼
APR4.74%
Term36 months
Last UpdatedMay 6, 2026
Details

As Low As; Qualified buyers: Take 90 days to make your first payment.

Lubbock Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Auto Loan
4.74%
48 Months
View
▼
APR4.74%
Term48 Months
Last UpdatedMay 6, 2026
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
4.74%
48 Months
View
▼
APR4.74%
Term48 Months
Last UpdatedMay 10, 2026
Details

As Low As

Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.59%
2019 - 2022 Used Vehicles
4.74%
Up to 48 Months
View
▼
APR4.74%
TermUp to 48 Months
Last UpdatedMay 10, 2026
Details

Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.73%
Auto Loans Used
4.74%
72 Months
View
▼
APR4.74%
Term72 Months
Last UpdatedMay 12, 2026
Details

As Low As

TEXAS TECH
Institution Rating:
A5.0 ★ Texas Ratio: 8.53%
Used Auto Loan
4.74%
48 Months
View
▼
APR4.74%
Term48 Months
Last UpdatedMay 12, 2026
Details

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

As Low As

Healthcare Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
Used Autos: 2017 - 2025
4.75%
Up to 48 months
View
▼
APR4.75%
TermUp to 48 months
Last UpdatedMay 6, 2026
Details

Galveston, TX Auto Loan Rate Trends

Compare local Galveston, TX auto loan rates against the statewide average

Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.

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

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

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

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

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

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Galveston, 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 Galveston, 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 Galveston, 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 Galveston, 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 Galveston, 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 Galveston, Texas typically offer lower interest rates for new cars because they are easier to value and represent less risk. Used car loans generally carry slightly higher APRs.

How long should my auto loan term be?

While 72-month and 84-month loans lower your monthly payment, they cost you far more in total interest. The ideal auto loan term is 60 months or less.

What are the best Auto Loan rates in Galveston, Texas?

Based on our current data, some of the lowest auto loan rates available in Galveston, Texas include:
  • Amoco Federal Credit Union: 4.39% (New And Used Autos)
  • University Federal Credit Union: 4.99% (Auto Loan)
  • IBEW Local 66 Federal Credit Union: 2.95% (New Automobile (NA))
  • TEXOMA EDUCATORS: 2.99% (New vehicles)
  • Lubrizol Employees Credit Union: 3.24% (New & Used Automobile)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Galveston, Texas. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 12, 2026

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