Auto Loan Rates in Heidenheimer, Texas (TX) for July 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Heidenheimer, Texas. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Heidenheimer, Texas include HIGHWAY DISTRICT 21HIGHWAY DISTRICT 21A+5.0 ★Texas Ratio: 0.75% offering Vehicle Loan at 2.50%, Southern Federal Credit UnionSouthern Federal Credit UnionA+5.0 ★Texas Ratio: 3.11% offering Auto Loans at 2.50%, IBEW Local 66 Federal Credit UnionIBEW Local 66 Federal Credit UnionA+5.0 ★Texas Ratio: 1.92% offering New Vehicles Loan at 2.95%, TEXOMA EDUCATORSTEXOMA EDUCATORSA+5.0 ★Texas Ratio: 2.34% offering New vehicles Loan at 2.99%, Lubrizol Employees Credit UnionLubrizol Employees Credit UnionA+5.0 ★Texas Ratio: 1.17% offering New & Used Automobile at 3.24%. Auto loan rates as of July 27, 2026 according to verified data from MonitorBankRates.
Heidenheimer borrowers have access to 73 lenders serving the Texas area, with auto loan rates as low as 2.50% APR from HIGHWAY DISTRICT 21. 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 Heidenheimer, Texas. Auto Loan Rates Last Updated and Verified: July 27, 2026
Compare Auto Loan Rates Today in Heidenheimer, Texas & Surrounding Area
Heidenheimer Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
HIGHWAY DISTRICT 21
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
Vehicle Loan
2.50%
36 months
▼
APR2.50%
Term36 months
Last UpdatedJul 16, 2026
Details
Southern Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
Auto Loans
2.50%
84 months
▼
APR2.50%
Term84 months
Last UpdatedJul 22, 2026
Details
As low as; 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.
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
New Vehicles Loan
2.95%
0-36 Months
▼
APR2.95%
Term0-36 Months
Last UpdatedJul 24, 2026
Details
CREDIT SCORE: 800+
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Pre-Owned (Used) Automobile (UA) - A+ (800
2.95%
0-36 Months
▼
APR2.95%
Term0-36 Months
Last UpdatedJul 24, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
New vehicles Loan
2.99%
0-36 months
▼
APR2.99%
Term0-36 months
Last UpdatedJul 16, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
New vehicles: 0-36 months Loan
2.99%
36 Months
▼
APR2.99%
Term36 Months
Last UpdatedJul 16, 2026
Details
Rates below are based on a minimum credit score of 700.
Lubrizol Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.17%
New & Used Automobile
3.24%
24 Mo to 60 Mo
▼
APR3.24%
Term24 Mo to 60 Mo
Last UpdatedJul 25, 2026
Details
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
New and Pre-Owned Autos
3.24%
12-36 Months
▼
APR3.24%
Term12-36 Months
Last UpdatedJul 27, 2026
Details
Rates shown reflect available rate discounts.
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
New Auto
3.34%
Up to 36 Months
▼
APR3.34%
TermUp to 36 Months
Last UpdatedJul 24, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
Auto Loan
3.39%
65 months
▼
APR3.39%
Term65 months
Last UpdatedJul 15, 2026
Details
As Low As
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
New & Used Autos
3.39%
Up to 36 Months
▼
APR3.39%
TermUp to 36 Months
Last UpdatedJul 15, 2026
Details
APR = Annual Percentage Rate. All Rates & Terms are subject to change without notice.
Star Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.66%
Auto Loans
3.57%
18 - 84 months
▼
APR3.57%
Term18 - 84 months
Last UpdatedJul 11, 2026
Details
Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
New Auto Loan
3.70%
up to 75 Months
▼
APR3.70%
Termup to 75 Months
Last UpdatedJul 12, 2026
Details
Victoria City County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
New & Used Auto Loans
3.72%
36 to 72** Months
▼
APR3.72%
Term36 to 72** Months
Last UpdatedJul 23, 2026
Details
Fixed
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
New Autos
3.74%
Up to 36 Months
▼
APR3.74%
TermUp to 36 Months
Last UpdatedJul 16, 2026
Details
Fewer than 7,500 miles
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
Used Autos
3.74%
Up to 36 Months
▼
APR3.74%
TermUp to 36 Months
Last UpdatedJul 16, 2026
Details
Fewer than 100,000 miles
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
Auto Loans
3.74%
36-month
▼
APR3.74%
Term36-month
Last UpdatedJul 27, 2026
Details
Rate shown is for 36-month term new auto and includes a 0.25% loyalty discount for recurring monthly direct deposit and auto pay. Hit the Road in Style with Auto Rates as low as 3.74% APR*!
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
Used Auto Loan
3.75%
Up to 36 months
▼
APR3.75%
TermUp to 36 months
Last UpdatedJul 22, 2026
Details
As Low As; All model years
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Used Auto
3.84%
Up to 36 Months
▼
APR3.84%
TermUp to 36 Months
Last UpdatedJul 24, 2026
Details
Everman Parkway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
Auto Loans
3.89%
36 months
▼
APR3.89%
Term36 months
Last UpdatedJul 7, 2026
Details
Fixed-Rate up to 36 months as low as 3.89% APR
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
New & Used Autos
3.89%
37-48 Months
▼
APR3.89%
Term37-48 Months
Last UpdatedJul 15, 2026
Details
APR = Annual Percentage Rate. All Rates & Terms are subject to change without notice.
Americas Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
Auto Loans
3.89%
36 months
▼
APR3.89%
Term36 months
Last UpdatedJul 27, 2026
Details
Fixed-Rate up to
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
Auto Loans - Used & New
3.94%
0-36 months
▼
APR3.94%
Term0-36 months
Last UpdatedJul 27, 2026
Details
As Low As; *
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
New Auto Loans - Cars and Light Trucks
3.95%
1 - 84 months
▼
APR3.95%
Term1 - 84 months
Last UpdatedJul 15, 2026
Details
Model Year(s): 2026
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
Used Auto Loans - Cars and Light Trucks 2024
3.95%
1 - 84 months
▼
APR3.95%
Term1 - 84 months
Last UpdatedJul 15, 2026
Details
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
Used Auto Loans - Cars and Light Trucks 2025
3.95%
1 - 84 months
▼
APR3.95%
Term1 - 84 months
Last UpdatedJul 15, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
New Vehicles Loan
3.95%
37-60 Months
▼
APR3.95%
Term37-60 Months
Last UpdatedJul 24, 2026
Details
CREDIT SCORE: 800+
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Pre-Owned (Used) Automobile (UA) - A (720-799)
3.95%
0-36 Months
▼
APR3.95%
Term0-36 Months
Last UpdatedJul 24, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Pre-Owned (Used) Automobile (UA) - A+ (800
3.95%
37-60 Months
▼
APR3.95%
Term37-60 Months
Last UpdatedJul 24, 2026
Details
Texasgulf Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
New or used vehicle Loan
3.99%
up to 36 months
▼
APR3.99%
Termup to 36 months
Last UpdatedJul 6, 2026
Details
As Low As; New or used vehicle up to 36 months.
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
New Auto
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedJul 11, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
New Auto Loan
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedJul 11, 2026
Details
United Heritage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.17%
New/Used Auto Loan
3.99%
0 to 36 Months
▼
APR3.99%
Term0 to 36 Months
Last UpdatedJul 11, 2026
Details
As Low As
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
New vehicles Loan
3.99%
37-48 months
▼
APR3.99%
Term37-48 months
Last UpdatedJul 16, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
New vehicles: 37-48 months Loan
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedJul 16, 2026
Details
Rates below are based on a minimum credit score of 700.
Rockdale Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
New Vehicles Loan
3.99%
Up to 84 Months
▼
APR3.99%
TermUp to 84 Months
Last UpdatedJul 24, 2026
Details
Rate: 5.94% for Up to 84 Months; Rate: 5.49% for Up to 72 Months; Rate: 4.99% for Up to 60 Months; Rate: 4.69% for Up to 48 months; Rate: 3.99% for Up to 36 Months
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
NEW Autos - Up to 36 Months
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedJul 27, 2026
Details
As Low As; Rates as low as 3.99% - 13.00%
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
New Auto Loans
3.99%
54 months or Less
▼
APR3.99%
Term54 months or Less
Last UpdatedJul 27, 2026
Details
As low as
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
Vehicle Loans
3.99%
up to 54 Months
▼
APR3.99%
Termup to 54 Months
Last UpdatedJul 27, 2026
Details
As low as
Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
Auto Loan
3.99%
up to 36 months
▼
APR3.99%
Termup to 36 months
Last UpdatedJul 27, 2026
Details
As Low As; *
Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
Auto Loans
3.99%
up to 36 months
▼
APR3.99%
Termup to 36 months
Last UpdatedJul 27, 2026
Details
As Low As; *
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
Repo Vehicle Loans
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedJul 27, 2026
Details
Fixed Rate
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Cars and Trucks Loan
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedJul 6, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
Used Auto Loan
4.00%
Up to 48 months
▼
APR4.00%
TermUp to 48 months
Last UpdatedJul 22, 2026
Details
As Low As; All model years
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
New & Used Auto
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedJul 22, 2026
Details
As Low As
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.62%
New Automobiles & Light Trucks
4.00%
36 mos.
▼
APR4.00%
Term36 mos.
Last UpdatedJul 22, 2026
Details
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.62%
Used Automobiles & Light Trucks
4.00%
36 mos.
▼
APR4.00%
Term36 mos.
Last UpdatedJul 22, 2026
Details
Concho Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New Auto
4.00%
36 months
▼
APR4.00%
Term36 months
Last UpdatedJul 27, 2026
Details
As low as; Maximum Loan: 100%
Concho Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
Used Autos
4.00%
24 to 60 months
▼
APR4.00%
Term24 to 60 months
Last UpdatedJul 27, 2026
Details
As low as; Maximum Loan: NADA RETAIL VALUE
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
Auto Loans (New & Used)
4.05%
Up to 36 Months
▼
APR4.05%
TermUp to 36 Months
Last UpdatedJul 6, 2026
Details
As Low As; Model Years: 2019-2025
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
New & Used Auto Loans
4.05%
Up to 36 Months
▼
APR4.05%
TermUp to 36 Months
Last UpdatedJul 6, 2026
Details
As Low As; Model Years: 2019-2025
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
New Auto
4.09%
Up to 60 months
▼
APR4.09%
TermUp to 60 months
Last UpdatedJul 24, 2026
Details
Mesquite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
New and Used Vehicles Loan
4.10%
Up to 72 Months
▼
APR4.10%
TermUp to 72 Months
Last UpdatedJul 27, 2026
Details
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
Auto Loans - Used & New
4.14%
49-60 months
▼
APR4.14%
Term49-60 months
Last UpdatedJul 27, 2026
Details
As Low As; *
Chocolate Bayou Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
Auto Loan
4.17%
Up to 60 Months
▼
APR4.17%
TermUp to 60 Months
Last UpdatedJul 23, 2026
Details
APR as low as
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
Used Auto Loans - Cars and Light Trucks 2023
4.20%
1 - 78 months
▼
APR4.20%
Term1 - 78 months
Last UpdatedJul 15, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New and Used Autos
4.24%
24 Months
▼
APR4.24%
Term24 Months
Last UpdatedJul 25, 2026
Details
Up to 120% Financing on Approved Credit
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
2023-2025 Used Vehicles Loan
4.24%
Up to 48 Months
▼
APR4.24%
TermUp to 48 Months
Last UpdatedJul 27, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
Used Auto Loan
4.25%
Up to 60 months
▼
APR4.25%
TermUp to 60 months
Last UpdatedJul 22, 2026
Details
As Low As; 2020 & newer
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
New Automobile Loan
4.25%
Up to 36 Months
▼
APR4.25%
TermUp to 36 Months
Last UpdatedJul 23, 2026
Details
As Low As; Fixed Rate
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
Used Automobile Loan
4.25%
Up to 36 Months
▼
APR4.25%
TermUp to 36 Months
Last UpdatedJul 23, 2026
Details
As Low As; Fixed Rate
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
NEW Autos - Up to 48 Months
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedJul 27, 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%
USED Autos - Up to 36 Months
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedJul 27, 2026
Details
As Low As; Rates as low as 4.25% - 13.75%
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
New Auto Loans
4.25%
0-24 months
▼
APR4.25%
Term0-24 months
Last UpdatedJul 27, 2026
Details
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
Used Auto Loans
4.25%
0-24 months
▼
APR4.25%
Term0-24 months
Last UpdatedJul 27, 2026
Details
DuGood Federal Credit Union
Institution Rating:
F2.8 ★ Texas Ratio: 0.47%
New & Used Auto Loan
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedJul 27, 2026
Details
Vehicle Age: Up to 2026
The Peoples Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.36%
New & Used Vehicles Loan
4.29%
3 yrs*
▼
APR4.29%
Term3 yrs*
Last UpdatedJul 22, 2026
Details
As low as; *Rate includes both discounts
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
Auto Loans - Used & New
4.29%
61-72 months
▼
APR4.29%
Term61-72 months
Last UpdatedJul 27, 2026
Details
As Low As; *
Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
Auto Loan
4.29%
up to 48 months
▼
APR4.29%
Termup to 48 months
Last UpdatedJul 27, 2026
Details
As Low As
Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
Auto Loans
4.29%
up to 48 months
▼
APR4.29%
Termup to 48 months
Last UpdatedJul 27, 2026
Details
As Low As
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
Used Auto Loans - Cars and Light Trucks 2022
4.30%
1 - 72 months
▼
APR4.30%
Term1 - 72 months
Last UpdatedJul 15, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
New & Used Vehicles - 60 months Loan
4.35%
60 months
▼
APR4.35%
Term60 months
Last UpdatedJul 24, 2026
Details
As Low As
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
New & Used Autos
4.39%
49 - 65 Months
▼
APR4.39%
Term49 - 65 Months
Last UpdatedJul 15, 2026
Details
APR = Annual Percentage Rate. All Rates & Terms are subject to change without notice.
Southwest Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.85%
New Auto
4.39%
Up to 72 months
▼
APR4.39%
TermUp to 72 months
Last UpdatedJul 23, 2026
Details
As Low As
Southwest Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.85%
Used Auto
4.39%
Up to 72 months
▼
APR4.39%
TermUp to 72 months
Last UpdatedJul 23, 2026
Details
As Low As
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
Used Auto Loans - Cars and Light Trucks 2021
4.40%
1 - 66 months
▼
APR4.40%
Term1 - 66 months
Last UpdatedJul 15, 2026
Details
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.77%
NEW Auto Loan
4.40%
Up to 36 months
▼
APR4.40%
TermUp to 36 months
Last UpdatedJul 24, 2026
Details
Rates as low as
Americas Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
New and Used Auto Loans 60-Months
4.40%
60-Months
▼
APR4.40%
Term60-Months
Last UpdatedJul 27, 2026
Details
As Low As
Chocolate Bayou Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
Auto Loan
4.42%
Up to 72 Months
▼
APR4.42%
TermUp to 72 Months
Last UpdatedJul 23, 2026
Details
APR as low as
Cherokee County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.79%
New Car Loan
4.45%
84 months
▼
APR4.45%
Term84 months
Last UpdatedJul 8, 2026
Details
Rates as low as 4.35%.
Gulf Shore Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.68%
Autos 2026-2022: 0-24 months
4.49%
24 Months
▼
APR4.49%
Term24 Months
Last UpdatedJul 6, 2026
Details
As Low As; *
Gulf Shore Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.68%
Autos 2026-2022: 0-72 months
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedJul 6, 2026
Details
As Low As; *
Gulf Shore Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.68%
Autos 2026-2022: 25-36 months
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedJul 6, 2026
Details
As Low As; *
Gulf Shore Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.68%
Autos 2026-2022: 37-48 months
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedJul 6, 2026
Details
As Low As; *
Gulf Shore Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.68%
Autos 2026-2022: 49-63 months
4.49%
63 Months
▼
APR4.49%
Term63 Months
Last UpdatedJul 6, 2026
Details
As Low As; *
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
New Auto
4.49%
Up to 48 months
▼
APR4.49%
TermUp to 48 months
Last UpdatedJul 11, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
New Auto Loan
4.49%
Up to 48 months
▼
APR4.49%
TermUp to 48 months
Last UpdatedJul 11, 2026
Details
Unity One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.61%
Auto Loan
4.49%
Up to 36 Months
▼
APR4.49%
TermUp to 36 Months
Last UpdatedJul 11, 2026
Details
New and Used Models 2020 and Newer;*
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
New Vehicle Loan
4.49%
Up to 48 Months
▼
APR4.49%
TermUp to 48 Months
Last UpdatedJul 23, 2026
Details
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
Used Vehicle Loan
4.49%
Up to 48 Months
▼
APR4.49%
TermUp to 48 Months
Last UpdatedJul 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New and Used Autos
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedJul 25, 2026
Details
Up to 120% Financing on Approved Credit
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
2023-2025 Used Vehicles Loan
4.49%
Up to 72 Months
▼
APR4.49%
TermUp to 72 Months
Last UpdatedJul 27, 2026
Details
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
2026 New Vehicles & Newer Loan
4.49%
Up to 48-54 Months
▼
APR4.49%
TermUp to 48-54 Months
Last UpdatedJul 27, 2026
Details
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
NEW Autos - Up to 60 Months
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedJul 27, 2026
Details
As Low As; Rates as low as 4.49% - 14.00%
Access Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.08%
New Vehicles - 5 years and newer Loan
4.49%
24 to 36 months
▼
APR4.49%
Term24 to 36 months
Last UpdatedJul 27, 2026
Details
Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.57%
New and Used Vehicles Loan
4.49%
Up to 48 Months
▼
APR4.49%
TermUp to 48 Months
Last UpdatedJul 27, 2026
Details
City Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
New or Used Auto Loans
4.49%
24 Months
▼
APR4.49%
Term24 Months
Last UpdatedJul 27, 2026
Details
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
Auto Loans Used
4.49%
54 months or Less
▼
APR4.49%
Term54 months or Less
Last UpdatedJul 27, 2026
Details
As low as
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
New Auto Loans
4.49%
72 months
▼
APR4.49%
Term72 months
Last UpdatedJul 27, 2026
Details
As low as
Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
Auto Loan
4.49%
up to 60 months
▼
APR4.49%
Termup to 60 months
Last UpdatedJul 27, 2026
Details
As Low As
Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
Auto Loans
4.49%
up to 60 months
▼
APR4.49%
Termup to 60 months
Last UpdatedJul 27, 2026
Details
As Low As
APR4.49%
TermUp to 48 mo.
Last UpdatedJul 27, 2026
Details
Rates effective 9/1/2025. All rates presented are APR (Annual Percentage Rate). Fixed rates. Rates shown are based on excellent credit history, underwriting criteria, and account qualification. Rates subject to change. New Vehicles: 2025-2026 model years.
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Cars and Trucks Loan
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedJul 6, 2026
Details
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Cars and Trucks Loan
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedJul 6, 2026
Details
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
Used Auto Loans - Cars and Light Trucks 2020
4.50%
1 - 60 months
▼
APR4.50%
Term1 - 60 months
Last UpdatedJul 15, 2026
Details
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
New Auto(Max Term 72m)/Used Auto(Max Term 60m)
4.50%
36mm
▼
APR4.50%
Term36mm
Last UpdatedJul 15, 2026
Details
Edinburg Teachers Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
Auto Loan
4.50%
60 months
▼
APR4.50%
Term60 months
Last UpdatedJul 16, 2026
Details
All APPROVED loans are eligible for this rate! Terms and conditions apply. OFFER EXTENDED THROUGH JULY 31, 2026
APR4.50%
Term48 months
Last UpdatedJul 16, 2026
Details
As Low As; Advertised rate is for a 48-month term and includes discounts of 0.25% for Auto Pay from the lowest rate of 4.75%.
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
New & Used Auto
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedJul 22, 2026
Details
As Low As
Port Arthur Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
New Car Loan
4.50%
up to 60 month financing available
▼
APR4.50%
Termup to 60 month financing available
Last UpdatedJul 22, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
New Automobile Loan
4.50%
37 - 48 Months
▼
APR4.50%
Term37 - 48 Months
Last UpdatedJul 23, 2026
Details
As Low As; Fixed Rate
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
Used Automobile Loan
4.50%
37 - 48 Months
▼
APR4.50%
Term37 - 48 Months
Last UpdatedJul 23, 2026
Details
As Low As; Fixed Rate
Starr County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
Auto Purchases
4.50%
84 Months
▼
APR4.50%
Term84 Months
Last UpdatedJul 24, 2026
Details
As Low As**
Energy Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.19%
New Autos
4.50%
48 - 84 months
▼
APR4.50%
Term48 - 84 months
Last UpdatedJul 25, 2026
Details
As Low As; Current model year
Energy Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.19%
Used Autos
4.50%
48 - 84 months
▼
APR4.50%
Term48 - 84 months
Last UpdatedJul 25, 2026
Details
Used Autos
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
USED Autos - Up to 48 Months
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedJul 27, 2026
Details
As Low As; Rates as low as 4.50% - 14.00%
Concho Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New Auto
4.50%
48 months
▼
APR4.50%
Term48 months
Last UpdatedJul 27, 2026
Details
As low as; Maximum Loan: 100%
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
New Auto Loans
4.50%
49-60 months
▼
APR4.50%
Term49-60 months
Last UpdatedJul 27, 2026
Details
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
Used Auto Loans
4.50%
49-60 months
▼
APR4.50%
Term49-60 months
Last UpdatedJul 27, 2026
Details
DuGood Federal Credit Union
Institution Rating:
F2.8 ★ Texas Ratio: 0.47%
New & Used Auto Loan
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedJul 27, 2026
Details
Vehicle Age: 2022-2026
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
New Autos
4.54%
48 Months
▼
APR4.54%
Term48 Months
Last UpdatedJul 16, 2026
Details
Fewer than 7,500 miles
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
Used Autos
4.54%
48 Months
▼
APR4.54%
Term48 Months
Last UpdatedJul 16, 2026
Details
Fewer than 100,000 miles
Libertyone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.81%
New and Used Automobiles
4.55%
24 months
▼
APR4.55%
Term24 months
Last UpdatedJul 16, 2026
Details
One Source Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
New and Used Autos - Up to 48 Months
4.59%
Up to 48 Months
▼
APR4.59%
TermUp to 48 Months
Last UpdatedJul 6, 2026
Details
All loans quoted at 80% Loan to Value
The Peoples Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.36%
New & Used Vehicles Loan
4.59%
5 yrs*
▼
APR4.59%
Term5 yrs*
Last UpdatedJul 22, 2026
Details
*Rate includes both discounts
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Used Auto
4.59%
Up to 60 months
▼
APR4.59%
TermUp to 60 months
Last UpdatedJul 24, 2026
Details
GECU Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.28%
Auto Loan
4.59%
66 Months
▼
APR4.59%
Term66 Months
Last UpdatedJul 25, 2026
Details
As Low As; Now-September 8
Centex Citizens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
New Vehicles 22025 and Newer Loan
4.59%
Up to 36 months
▼
APR4.59%
TermUp to 36 months
Last UpdatedJul 27, 2026
Details
As low as
Keystone Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.20%
New Vehicle Loan
4.59%
Up to 60 Months
▼
APR4.59%
TermUp to 60 Months
Last UpdatedJul 27, 2026
Details
As Low As
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
Used Auto Loans - Cars and Light Trucks 2019
4.60%
1 - 54 months
▼
APR4.60%
Term1 - 54 months
Last UpdatedJul 15, 2026
Details
DuGood Federal Credit Union
Institution Rating:
F2.8 ★ Texas Ratio: 0.47%
New & Used Auto Loan
4.60%
66 Months
▼
APR4.60%
Term66 Months
Last UpdatedJul 27, 2026
Details
Vehicle Age: 2023-2026
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
New Vehicle Loan
4.64%
Up to 60 Months
▼
APR4.64%
TermUp to 60 Months
Last UpdatedJul 23, 2026
Details
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
Used Vehicle Loan
4.64%
Up to 60 Months
▼
APR4.64%
TermUp to 60 Months
Last UpdatedJul 23, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
New Auto
4.64%
Up to 63 Months
▼
APR4.64%
TermUp to 63 Months
Last UpdatedJul 25, 2026
Details
Centex Citizens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
New Vehicles 22025-2027 Loan
4.64%
Up to 75 months
▼
APR4.64%
TermUp to 75 months
Last UpdatedJul 27, 2026
Details
As low as
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
New And Used Autos
4.69%
Up to 36 Months
▼
APR4.69%
TermUp to 36 Months
Last UpdatedJul 6, 2026
Details
Maximum APR: 15.44%
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
Auto Loan
4.69%
up to 96 Months
▼
APR4.69%
Termup to 96 Months
Last UpdatedJul 12, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
Vehicle Loans
4.69%
Up to 24 months
▼
APR4.69%
TermUp to 24 months
Last UpdatedJul 12, 2026
Details
Loan Amount: $2,500+
Cherokee County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.79%
Used Car Loan
4.70%
72 months
▼
APR4.70%
Term72 months
Last UpdatedJul 8, 2026
Details
Rates as low as 4.60%.
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
Used Auto Loans - Cars and Light Trucks 2018
4.70%
1 - 48 months
▼
APR4.70%
Term1 - 48 months
Last UpdatedJul 15, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
New Auto Loan Up to 36 Months
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedJul 11, 2026
Details
As Low As; Minimum Amount $2,000
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
2019 - 2022 Used Vehicles Loan
4.74%
Up to 48 Months
▼
APR4.74%
TermUp to 48 Months
Last UpdatedJul 27, 2026
Details
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
2026 New Vehicles & Newer Loan
4.74%
Up to 60 Months
▼
APR4.74%
TermUp to 60 Months
Last UpdatedJul 27, 2026
Details
Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.57%
New and Used Vehicles Loan
4.74%
49 to 66 Months
▼
APR4.74%
Term49 to 66 Months
Last UpdatedJul 27, 2026
Details
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
Auto Loans Used
4.74%
72 months
▼
APR4.74%
Term72 months
Last UpdatedJul 27, 2026
Details
As low as
Keystone Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.20%
New Vehicle Loan
4.74%
Up to 78 Months
▼
APR4.74%
TermUp to 78 Months
Last UpdatedJul 27, 2026
Details
APR4.74%
Term60 mo.
Last UpdatedJul 27, 2026
Details
Rates effective 9/1/2025. All rates presented are APR (Annual Percentage Rate). Fixed rates. Rates shown are based on excellent credit history, underwriting criteria, and account qualification. Rates subject to change. New Vehicles: 2025-2026 model years.
APR4.74%
TermUp to 48 mo.
Last UpdatedJul 27, 2026
Details
Rates effective 9/1/2025. All rates presented are APR (Annual Percentage Rate). Fixed rates. Rates shown are based on excellent credit history, underwriting criteria, and account qualification. Rates subject to change. Used Vehicles: 2023-2024 model years.
Healthcare Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
New Autos: 2025 - 2026, Demos < 10,000 Miles
4.75%
Up to 48 months
▼
APR4.75%
TermUp to 48 months
Last UpdatedJul 15, 2026
Details
Healthcare Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
Used Autos: 2017 - 2025
4.75%
Up to 48 months
▼
APR4.75%
TermUp to 48 months
Last UpdatedJul 15, 2026
Details
Libertyone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.81%
New and Used Automobiles
4.75%
36 months
▼
APR4.75%
Term36 months
Last UpdatedJul 16, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
Used Auto Loan
4.75%
Up to 72 months
▼
APR4.75%
TermUp to 72 months
Last UpdatedJul 22, 2026
Details
As Low As; 2022 & newer
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
New & Used Auto
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedJul 22, 2026
Details
As Low As
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.62%
New Automobiles & Light Trucks
4.75%
60 mos.
▼
APR4.75%
Term60 mos.
Last UpdatedJul 22, 2026
Details
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.62%
Used Automobiles & Light Trucks
4.75%
60 mos.
▼
APR4.75%
Term60 mos.
Last UpdatedJul 22, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
New & Used Vehicles - 72 months Loan
4.75%
72 months
▼
APR4.75%
Term72 months
Last UpdatedJul 24, 2026
Details
As Low As
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
NEW Autos - Up to 72 Months
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedJul 27, 2026
Details
As Low As; Rates as low as 4.75% - 14.75%
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
USED Autos - Up to 60 Months
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedJul 27, 2026
Details
As Low As; Rates as low as 4.75% - 14.75%
Concho Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New Auto
4.75%
60 months
▼
APR4.75%
Term60 months
Last UpdatedJul 27, 2026
Details
As low as; Maximum Loan: 100%
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 15.58%
New and Used Auto Loans
4.79%
36 months or less
▼
APR4.79%
Term36 months or less
Last UpdatedJul 11, 2026
Details
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of July 11, 2026. Rates are subject to change without notice.
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
New Autos
4.79%
71 Months
▼
APR4.79%
Term71 Months
Last UpdatedJul 16, 2026
Details
Fewer than 7,500 miles
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
Used Autos
4.79%
71 Months
▼
APR4.79%
Term71 Months
Last UpdatedJul 16, 2026
Details
Fewer than 100,000 miles
East Texas Professional Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
New Vehicles 2027-2025 Models Loan
4.79%
Please call for information
▼
APR4.79%
TermPlease call for information
Last UpdatedJul 27, 2026
Details
base rate
Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
Auto Loan
4.79%
up to 66 months
▼
APR4.79%
Termup to 66 months
Last UpdatedJul 27, 2026
Details
As Low As
Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
Auto Loans
4.79%
up to 66 months
▼
APR4.79%
Termup to 66 months
Last UpdatedJul 27, 2026
Details
As Low As
Amplify Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
Auto Loan (New/Used)
4.80%
0 - 48 Months
▼
APR4.80%
Term0 - 48 Months
Last UpdatedJul 11, 2026
Details
As Low As
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
Used Auto Loans - Cars and Light Trucks 2017
4.80%
1 - 42 months
▼
APR4.80%
Term1 - 42 months
Last UpdatedJul 15, 2026
Details
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
New And Used Autos
4.84%
49 - 60 Months
▼
APR4.84%
Term49 - 60 Months
Last UpdatedJul 6, 2026
Details
Maximum APR: 16.34%
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 15.58%
New and Used Auto Loans
4.84%
37 - 48 months
▼
APR4.84%
Term37 - 48 months
Last UpdatedJul 11, 2026
Details
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of July 11, 2026. Rates are subject to change without notice.
Members Choice of Central Texas Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
Vehicle Loan
4.84%
Up to 60 months
▼
APR4.84%
TermUp to 60 months
Last UpdatedJul 12, 2026
Details
As Low As
APR4.84%
Term48 Mo
Last UpdatedJul 27, 2026
Details
Rates as low as 4.84% APR
APR4.85%
Termup to 48 months
Last UpdatedJul 27, 2026
Details
As low as; rates are set according to credit rating
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 15.58%
New and Used Auto Loans
4.89%
49 - 60 months
▼
APR4.89%
Term49 - 60 months
Last UpdatedJul 11, 2026
Details
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of July 11, 2026. Rates are subject to change without notice.
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
Vehicle Loans
4.89%
36 months
▼
APR4.89%
Term36 months
Last UpdatedJul 12, 2026
Details
Loan Amount: $2,500+
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
New & Used Autos
4.89%
66 - 74 Months
▼
APR4.89%
Term66 - 74 Months
Last UpdatedJul 15, 2026
Details
APR = Annual Percentage Rate. All Rates & Terms are subject to change without notice.
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
New Vehicle Loan
4.89%
Up to 72 Months
▼
APR4.89%
TermUp to 72 Months
Last UpdatedJul 23, 2026
Details
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
Used Vehicle Loan
4.89%
Up to 72 Months
▼
APR4.89%
TermUp to 72 Months
Last UpdatedJul 23, 2026
Details
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
Used Auto Loans - Cars and Light Trucks 2016
4.90%
1 - 36 months
▼
APR4.90%
Term1 - 36 months
Last UpdatedJul 15, 2026
Details
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
New Auto(Max Term 72m)/Used Auto(Max Term 60m)
4.90%
48m
▼
APR4.90%
Term48m
Last UpdatedJul 15, 2026
Details
APR4.90%
Termup to 60 months
Last UpdatedJul 27, 2026
Details
As low as; rates are set according to credit rating
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
New And Used Autos
4.94%
37 - 48 Months
▼
APR4.94%
Term37 - 48 Months
Last UpdatedJul 6, 2026
Details
Maximum APR: 15.69%
Keystone Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.20%
Used Vehicle Loan
4.94%
Up to 60 Months
▼
APR4.94%
TermUp to 60 Months
Last UpdatedJul 27, 2026
Details
As Low As
Neiman Marcus Group Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New Cars Loan
4.95%
Up to 60 Months
▼
APR4.95%
TermUp to 60 Months
Last UpdatedJul 15, 2026
Details
As Low As
Libertyone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.81%
New and Used Automobiles
4.95%
48 months
▼
APR4.95%
Term48 months
Last UpdatedJul 16, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
New Automobile Loan
4.95%
49 - 60 Months
▼
APR4.95%
Term49 - 60 Months
Last UpdatedJul 23, 2026
Details
As Low As; Fixed Rate
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
Used Automobile Loan
4.95%
49 - 60 Months
▼
APR4.95%
Term49 - 60 Months
Last UpdatedJul 23, 2026
Details
As Low As; Fixed Rate
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
Vehicle Loans
4.95%
60 months
▼
APR4.95%
Term60 months
Last UpdatedJul 23, 2026
Details
As Low As; $250 Cash Back
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Classic Car A+ 0-36 Months Loan
4.95%
36 Months
▼
APR4.95%
Term36 Months
Last UpdatedJul 24, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
New Vehicles Loan
4.95%
61-72 Months
▼
APR4.95%
Term61-72 Months
Last UpdatedJul 24, 2026
Details
CREDIT SCORE: 800+
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Pre-Owned (Used) Automobile (UA) - A (720-799)
4.95%
37-60 Months
▼
APR4.95%
Term37-60 Months
Last UpdatedJul 24, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Pre-Owned (Used) Automobile (UA) - A+ (800
4.95%
61-72 Months
▼
APR4.95%
Term61-72 Months
Last UpdatedJul 24, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Pre-Owned (Used) Automobile (UA) - B (680-719)
4.95%
0-36 Months
▼
APR4.95%
Term0-36 Months
Last UpdatedJul 24, 2026
Details
Domino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New and Used Autos
4.95%
Up to 72 Months
▼
APR4.95%
TermUp to 72 Months
Last UpdatedJul 24, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
New Auto
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedJul 11, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
New Auto Loan
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedJul 11, 2026
Details
United Heritage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.17%
New/Used Auto Loan
4.99%
37 to 48 Months
▼
APR4.99%
Term37 to 48 Months
Last UpdatedJul 11, 2026
Details
As Low As
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
New Auto Loan Up to 48 Months
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedJul 11, 2026
Details
As Low As; Minimum Amount $2,000
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
Used Auto Loan Purchase (Model Year 2020 and newer) - Up to 36 Month
4.99%
36 Month
▼
APR4.99%
Term36 Month
Last UpdatedJul 11, 2026
Details
As Low As; Minimum Amount: $2,000
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 15.58%
New and Used Auto Loans
4.99%
61 - 72 months
▼
APR4.99%
Term61 - 72 months
Last UpdatedJul 11, 2026
Details
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of July 11, 2026. Rates are subject to change without notice.
Healthcare Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
New Autos: 2025 - 2026, Demos < 10,000 Miles
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedJul 15, 2026
Details
Powered by
MonitorBankRates
Heidenheimer New Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
New Vehicles Loan
2.95%
0-36 Months
▼
APR2.95%
Term0-36 Months
Last UpdatedJul 24, 2026
Details
CREDIT SCORE: 800+
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
New vehicles Loan
2.99%
0-36 months
▼
APR2.99%
Term0-36 months
Last UpdatedJul 16, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
New vehicles: 0-36 months Loan
2.99%
36 Months
▼
APR2.99%
Term36 Months
Last UpdatedJul 16, 2026
Details
Rates below are based on a minimum credit score of 700.
Lubrizol Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.17%
New & Used Automobile
3.24%
24 Mo to 60 Mo
▼
APR3.24%
Term24 Mo to 60 Mo
Last UpdatedJul 25, 2026
Details
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
New and Pre-Owned Autos
3.24%
12-36 Months
▼
APR3.24%
Term12-36 Months
Last UpdatedJul 27, 2026
Details
Rates shown reflect available rate discounts.
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
New Auto
3.34%
Up to 36 Months
▼
APR3.34%
TermUp to 36 Months
Last UpdatedJul 24, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
New & Used Autos
3.39%
Up to 36 Months
▼
APR3.39%
TermUp to 36 Months
Last UpdatedJul 15, 2026
Details
APR = Annual Percentage Rate. All Rates & Terms are subject to change without notice.
Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
New Auto Loan
3.70%
up to 75 Months
▼
APR3.70%
Termup to 75 Months
Last UpdatedJul 12, 2026
Details
Victoria City County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
New & Used Auto Loans
3.72%
36 to 72** Months
▼
APR3.72%
Term36 to 72** Months
Last UpdatedJul 23, 2026
Details
Fixed
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
New Autos
3.74%
Up to 36 Months
▼
APR3.74%
TermUp to 36 Months
Last UpdatedJul 16, 2026
Details
Fewer than 7,500 miles
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
New & Used Autos
3.89%
37-48 Months
▼
APR3.89%
Term37-48 Months
Last UpdatedJul 15, 2026
Details
APR = Annual Percentage Rate. All Rates & Terms are subject to change without notice.
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
Auto Loans - Used & New
3.94%
0-36 months
▼
APR3.94%
Term0-36 months
Last UpdatedJul 27, 2026
Details
As Low As; *
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
New Auto Loans - Cars and Light Trucks
3.95%
1 - 84 months
▼
APR3.95%
Term1 - 84 months
Last UpdatedJul 15, 2026
Details
Model Year(s): 2026
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
New Vehicles Loan
3.95%
37-60 Months
▼
APR3.95%
Term37-60 Months
Last UpdatedJul 24, 2026
Details
CREDIT SCORE: 800+
Texasgulf Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
New or used vehicle Loan
3.99%
up to 36 months
▼
APR3.99%
Termup to 36 months
Last UpdatedJul 6, 2026
Details
As Low As; New or used vehicle up to 36 months.
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
New Auto
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedJul 11, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
New Auto Loan
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedJul 11, 2026
Details
United Heritage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.17%
New/Used Auto Loan
3.99%
0 to 36 Months
▼
APR3.99%
Term0 to 36 Months
Last UpdatedJul 11, 2026
Details
As Low As
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
New vehicles Loan
3.99%
37-48 months
▼
APR3.99%
Term37-48 months
Last UpdatedJul 16, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
New vehicles: 37-48 months Loan
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedJul 16, 2026
Details
Rates below are based on a minimum credit score of 700.
Rockdale Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
New Vehicles Loan
3.99%
Up to 84 Months
▼
APR3.99%
TermUp to 84 Months
Last UpdatedJul 24, 2026
Details
Rate: 5.94% for Up to 84 Months; Rate: 5.49% for Up to 72 Months; Rate: 4.99% for Up to 60 Months; Rate: 4.69% for Up to 48 months; Rate: 3.99% for Up to 36 Months
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
NEW Autos - Up to 36 Months
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedJul 27, 2026
Details
As Low As; Rates as low as 3.99% - 13.00%
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
New Auto Loans
3.99%
54 months or Less
▼
APR3.99%
Term54 months or Less
Last UpdatedJul 27, 2026
Details
As low as
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Cars and Trucks Loan
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedJul 6, 2026
Details
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
New & Used Auto
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedJul 22, 2026
Details
As Low As
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.62%
New Automobiles & Light Trucks
4.00%
36 mos.
▼
APR4.00%
Term36 mos.
Last UpdatedJul 22, 2026
Details
Concho Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New Auto
4.00%
36 months
▼
APR4.00%
Term36 months
Last UpdatedJul 27, 2026
Details
As low as; Maximum Loan: 100%
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
Auto Loans (New & Used)
4.05%
Up to 36 Months
▼
APR4.05%
TermUp to 36 Months
Last UpdatedJul 6, 2026
Details
As Low As; Model Years: 2019-2025
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
New & Used Auto Loans
4.05%
Up to 36 Months
▼
APR4.05%
TermUp to 36 Months
Last UpdatedJul 6, 2026
Details
As Low As; Model Years: 2019-2025
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
New Auto
4.09%
Up to 60 months
▼
APR4.09%
TermUp to 60 months
Last UpdatedJul 24, 2026
Details
Mesquite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
New and Used Vehicles Loan
4.10%
Up to 72 Months
▼
APR4.10%
TermUp to 72 Months
Last UpdatedJul 27, 2026
Details
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
Auto Loans - Used & New
4.14%
49-60 months
▼
APR4.14%
Term49-60 months
Last UpdatedJul 27, 2026
Details
As Low As; *
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New and Used Autos
4.24%
24 Months
▼
APR4.24%
Term24 Months
Last UpdatedJul 25, 2026
Details
Up to 120% Financing on Approved Credit
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
New Automobile Loan
4.25%
Up to 36 Months
▼
APR4.25%
TermUp to 36 Months
Last UpdatedJul 23, 2026
Details
As Low As; Fixed Rate
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
NEW Autos - Up to 48 Months
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedJul 27, 2026
Details
As Low As; Rates as low as 4.25% - 13.49%
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
New Auto Loans
4.25%
0-24 months
▼
APR4.25%
Term0-24 months
Last UpdatedJul 27, 2026
Details
DuGood Federal Credit Union
Institution Rating:
F2.8 ★ Texas Ratio: 0.47%
New & Used Auto Loan
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedJul 27, 2026
Details
Vehicle Age: Up to 2026
The Peoples Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.36%
New & Used Vehicles Loan
4.29%
3 yrs*
▼
APR4.29%
Term3 yrs*
Last UpdatedJul 22, 2026
Details
As low as; *Rate includes both discounts
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
Auto Loans - Used & New
4.29%
61-72 months
▼
APR4.29%
Term61-72 months
Last UpdatedJul 27, 2026
Details
As Low As; *
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
New & Used Vehicles - 60 months Loan
4.35%
60 months
▼
APR4.35%
Term60 months
Last UpdatedJul 24, 2026
Details
As Low As
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
New & Used Autos
4.39%
49 - 65 Months
▼
APR4.39%
Term49 - 65 Months
Last UpdatedJul 15, 2026
Details
APR = Annual Percentage Rate. All Rates & Terms are subject to change without notice.
Southwest Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.85%
New Auto
4.39%
Up to 72 months
▼
APR4.39%
TermUp to 72 months
Last UpdatedJul 23, 2026
Details
As Low As
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.77%
NEW Auto Loan
4.40%
Up to 36 months
▼
APR4.40%
TermUp to 36 months
Last UpdatedJul 24, 2026
Details
Rates as low as
Americas Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
New and Used Auto Loans 60-Months
4.40%
60-Months
▼
APR4.40%
Term60-Months
Last UpdatedJul 27, 2026
Details
As Low As
Cherokee County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.79%
New Car Loan
4.45%
84 months
▼
APR4.45%
Term84 months
Last UpdatedJul 8, 2026
Details
Rates as low as 4.35%.
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
New Auto
4.49%
Up to 48 months
▼
APR4.49%
TermUp to 48 months
Last UpdatedJul 11, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
New Auto Loan
4.49%
Up to 48 months
▼
APR4.49%
TermUp to 48 months
Last UpdatedJul 11, 2026
Details
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
New Vehicle Loan
4.49%
Up to 48 Months
▼
APR4.49%
TermUp to 48 Months
Last UpdatedJul 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New and Used Autos
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedJul 25, 2026
Details
Up to 120% Financing on Approved Credit
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
2026 New Vehicles & Newer Loan
4.49%
Up to 48-54 Months
▼
APR4.49%
TermUp to 48-54 Months
Last UpdatedJul 27, 2026
Details
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
NEW Autos - Up to 60 Months
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedJul 27, 2026
Details
As Low As; Rates as low as 4.49% - 14.00%
Access Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.08%
New Vehicles - 5 years and newer Loan
4.49%
24 to 36 months
▼
APR4.49%
Term24 to 36 months
Last UpdatedJul 27, 2026
Details
Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.57%
New and Used Vehicles Loan
4.49%
Up to 48 Months
▼
APR4.49%
TermUp to 48 Months
Last UpdatedJul 27, 2026
Details
City Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
New or Used Auto Loans
4.49%
24 Months
▼
APR4.49%
Term24 Months
Last UpdatedJul 27, 2026
Details
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
New Auto Loans
4.49%
72 months
▼
APR4.49%
Term72 months
Last UpdatedJul 27, 2026
Details
As low as
APR4.49%
TermUp to 48 mo.
Last UpdatedJul 27, 2026
Details
Rates effective 9/1/2025. All rates presented are APR (Annual Percentage Rate). Fixed rates. Rates shown are based on excellent credit history, underwriting criteria, and account qualification. Rates subject to change. New Vehicles: 2025-2026 model years.
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Cars and Trucks Loan
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedJul 6, 2026
Details
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
New Auto(Max Term 72m)/Used Auto(Max Term 60m)
4.50%
36mm
▼
APR4.50%
Term36mm
Last UpdatedJul 15, 2026
Details
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
New & Used Auto
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedJul 22, 2026
Details
As Low As
Port Arthur Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
New Car Loan
4.50%
up to 60 month financing available
▼
APR4.50%
Termup to 60 month financing available
Last UpdatedJul 22, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
New Automobile Loan
4.50%
37 - 48 Months
▼
APR4.50%
Term37 - 48 Months
Last UpdatedJul 23, 2026
Details
As Low As; Fixed Rate
Energy Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.19%
New Autos
4.50%
48 - 84 months
▼
APR4.50%
Term48 - 84 months
Last UpdatedJul 25, 2026
Details
As Low As; Current model year
Concho Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New Auto
4.50%
48 months
▼
APR4.50%
Term48 months
Last UpdatedJul 27, 2026
Details
As low as; Maximum Loan: 100%
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
New Auto Loans
4.50%
49-60 months
▼
APR4.50%
Term49-60 months
Last UpdatedJul 27, 2026
Details
DuGood Federal Credit Union
Institution Rating:
F2.8 ★ Texas Ratio: 0.47%
New & Used Auto Loan
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedJul 27, 2026
Details
Vehicle Age: 2022-2026
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
New Autos
4.54%
48 Months
▼
APR4.54%
Term48 Months
Last UpdatedJul 16, 2026
Details
Fewer than 7,500 miles
Libertyone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.81%
New and Used Automobiles
4.55%
24 months
▼
APR4.55%
Term24 months
Last UpdatedJul 16, 2026
Details
One Source Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
New and Used Autos - Up to 48 Months
4.59%
Up to 48 Months
▼
APR4.59%
TermUp to 48 Months
Last UpdatedJul 6, 2026
Details
All loans quoted at 80% Loan to Value
The Peoples Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.36%
New & Used Vehicles Loan
4.59%
5 yrs*
▼
APR4.59%
Term5 yrs*
Last UpdatedJul 22, 2026
Details
*Rate includes both discounts
Centex Citizens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
New Vehicles 22025 and Newer Loan
4.59%
Up to 36 months
▼
APR4.59%
TermUp to 36 months
Last UpdatedJul 27, 2026
Details
As low as
Keystone Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.20%
New Vehicle Loan
4.59%
Up to 60 Months
▼
APR4.59%
TermUp to 60 Months
Last UpdatedJul 27, 2026
Details
As Low As
DuGood Federal Credit Union
Institution Rating:
F2.8 ★ Texas Ratio: 0.47%
New & Used Auto Loan
4.60%
66 Months
▼
APR4.60%
Term66 Months
Last UpdatedJul 27, 2026
Details
Vehicle Age: 2023-2026
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
New Vehicle Loan
4.64%
Up to 60 Months
▼
APR4.64%
TermUp to 60 Months
Last UpdatedJul 23, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
New Auto
4.64%
Up to 63 Months
▼
APR4.64%
TermUp to 63 Months
Last UpdatedJul 25, 2026
Details
Centex Citizens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
New Vehicles 22025-2027 Loan
4.64%
Up to 75 months
▼
APR4.64%
TermUp to 75 months
Last UpdatedJul 27, 2026
Details
As low as
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
New And Used Autos
4.69%
Up to 36 Months
▼
APR4.69%
TermUp to 36 Months
Last UpdatedJul 6, 2026
Details
Maximum APR: 15.44%
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
New Auto Loan Up to 36 Months
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedJul 11, 2026
Details
As Low As; Minimum Amount $2,000
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
2026 New Vehicles & Newer Loan
4.74%
Up to 60 Months
▼
APR4.74%
TermUp to 60 Months
Last UpdatedJul 27, 2026
Details
Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.57%
New and Used Vehicles Loan
4.74%
49 to 66 Months
▼
APR4.74%
Term49 to 66 Months
Last UpdatedJul 27, 2026
Details
Keystone Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.20%
New Vehicle Loan
4.74%
Up to 78 Months
▼
APR4.74%
TermUp to 78 Months
Last UpdatedJul 27, 2026
Details
APR4.74%
Term60 mo.
Last UpdatedJul 27, 2026
Details
Rates effective 9/1/2025. All rates presented are APR (Annual Percentage Rate). Fixed rates. Rates shown are based on excellent credit history, underwriting criteria, and account qualification. Rates subject to change. New Vehicles: 2025-2026 model years.
Healthcare Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
New Autos: 2025 - 2026, Demos < 10,000 Miles
4.75%
Up to 48 months
▼
APR4.75%
TermUp to 48 months
Last UpdatedJul 15, 2026
Details
Libertyone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.81%
New and Used Automobiles
4.75%
36 months
▼
APR4.75%
Term36 months
Last UpdatedJul 16, 2026
Details
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
New & Used Auto
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedJul 22, 2026
Details
As Low As
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.62%
New Automobiles & Light Trucks
4.75%
60 mos.
▼
APR4.75%
Term60 mos.
Last UpdatedJul 22, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
New & Used Vehicles - 72 months Loan
4.75%
72 months
▼
APR4.75%
Term72 months
Last UpdatedJul 24, 2026
Details
As Low As
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
NEW Autos - Up to 72 Months
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedJul 27, 2026
Details
As Low As; Rates as low as 4.75% - 14.75%
Concho Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New Auto
4.75%
60 months
▼
APR4.75%
Term60 months
Last UpdatedJul 27, 2026
Details
As low as; Maximum Loan: 100%
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 15.58%
New and Used Auto Loans
4.79%
36 months or less
▼
APR4.79%
Term36 months or less
Last UpdatedJul 11, 2026
Details
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of July 11, 2026. Rates are subject to change without notice.
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
New Autos
4.79%
71 Months
▼
APR4.79%
Term71 Months
Last UpdatedJul 16, 2026
Details
Fewer than 7,500 miles
East Texas Professional Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
New Vehicles 2027-2025 Models Loan
4.79%
Please call for information
▼
APR4.79%
TermPlease call for information
Last UpdatedJul 27, 2026
Details
base rate
Amplify Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
Auto Loan (New/Used)
4.80%
0 - 48 Months
▼
APR4.80%
Term0 - 48 Months
Last UpdatedJul 11, 2026
Details
As Low As
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
New And Used Autos
4.84%
49 - 60 Months
▼
APR4.84%
Term49 - 60 Months
Last UpdatedJul 6, 2026
Details
Maximum APR: 16.34%
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 15.58%
New and Used Auto Loans
4.84%
37 - 48 months
▼
APR4.84%
Term37 - 48 months
Last UpdatedJul 11, 2026
Details
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of July 11, 2026. Rates are subject to change without notice.
APR4.85%
Termup to 48 months
Last UpdatedJul 27, 2026
Details
As low as; rates are set according to credit rating
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 15.58%
New and Used Auto Loans
4.89%
49 - 60 months
▼
APR4.89%
Term49 - 60 months
Last UpdatedJul 11, 2026
Details
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of July 11, 2026. Rates are subject to change without notice.
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
New & Used Autos
4.89%
66 - 74 Months
▼
APR4.89%
Term66 - 74 Months
Last UpdatedJul 15, 2026
Details
APR = Annual Percentage Rate. All Rates & Terms are subject to change without notice.
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
New Vehicle Loan
4.89%
Up to 72 Months
▼
APR4.89%
TermUp to 72 Months
Last UpdatedJul 23, 2026
Details
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
New Auto(Max Term 72m)/Used Auto(Max Term 60m)
4.90%
48m
▼
APR4.90%
Term48m
Last UpdatedJul 15, 2026
Details
APR4.90%
Termup to 60 months
Last UpdatedJul 27, 2026
Details
As low as; rates are set according to credit rating
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
New And Used Autos
4.94%
37 - 48 Months
▼
APR4.94%
Term37 - 48 Months
Last UpdatedJul 6, 2026
Details
Maximum APR: 15.69%
Neiman Marcus Group Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New Cars Loan
4.95%
Up to 60 Months
▼
APR4.95%
TermUp to 60 Months
Last UpdatedJul 15, 2026
Details
As Low As
Libertyone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.81%
New and Used Automobiles
4.95%
48 months
▼
APR4.95%
Term48 months
Last UpdatedJul 16, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
New Automobile Loan
4.95%
49 - 60 Months
▼
APR4.95%
Term49 - 60 Months
Last UpdatedJul 23, 2026
Details
As Low As; Fixed Rate
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
New Vehicles Loan
4.95%
61-72 Months
▼
APR4.95%
Term61-72 Months
Last UpdatedJul 24, 2026
Details
CREDIT SCORE: 800+
Domino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New and Used Autos
4.95%
Up to 72 Months
▼
APR4.95%
TermUp to 72 Months
Last UpdatedJul 24, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
New Auto
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedJul 11, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
New Auto Loan
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedJul 11, 2026
Details
United Heritage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.17%
New/Used Auto Loan
4.99%
37 to 48 Months
▼
APR4.99%
Term37 to 48 Months
Last UpdatedJul 11, 2026
Details
As Low As
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
New Auto Loan Up to 48 Months
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedJul 11, 2026
Details
As Low As; Minimum Amount $2,000
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
Used Auto Loan Purchase (Model Year 2020 and newer) - Up to 36 Month
4.99%
36 Month
▼
APR4.99%
Term36 Month
Last UpdatedJul 11, 2026
Details
As Low As; Minimum Amount: $2,000
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 15.58%
New and Used Auto Loans
4.99%
61 - 72 months
▼
APR4.99%
Term61 - 72 months
Last UpdatedJul 11, 2026
Details
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of July 11, 2026. Rates are subject to change without notice.
Healthcare Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
New Autos: 2025 - 2026, Demos < 10,000 Miles
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedJul 15, 2026
Details
Powered by
MonitorBankRates
Heidenheimer Used Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Pre-Owned (Used) Automobile (UA) - A+ (800
2.95%
0-36 Months
▼
APR2.95%
Term0-36 Months
Last UpdatedJul 24, 2026
Details
Lubrizol Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.17%
New & Used Automobile
3.24%
24 Mo to 60 Mo
▼
APR3.24%
Term24 Mo to 60 Mo
Last UpdatedJul 25, 2026
Details
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
New and Pre-Owned Autos
3.24%
12-36 Months
▼
APR3.24%
Term12-36 Months
Last UpdatedJul 27, 2026
Details
Rates shown reflect available rate discounts.
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
New & Used Autos
3.39%
Up to 36 Months
▼
APR3.39%
TermUp to 36 Months
Last UpdatedJul 15, 2026
Details
APR = Annual Percentage Rate. All Rates & Terms are subject to change without notice.
Victoria City County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
New & Used Auto Loans
3.72%
36 to 72** Months
▼
APR3.72%
Term36 to 72** Months
Last UpdatedJul 23, 2026
Details
Fixed
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
Used Autos
3.74%
Up to 36 Months
▼
APR3.74%
TermUp to 36 Months
Last UpdatedJul 16, 2026
Details
Fewer than 100,000 miles
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
Used Auto Loan
3.75%
Up to 36 months
▼
APR3.75%
TermUp to 36 months
Last UpdatedJul 22, 2026
Details
As Low As; All model years
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Used Auto
3.84%
Up to 36 Months
▼
APR3.84%
TermUp to 36 Months
Last UpdatedJul 24, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
New & Used Autos
3.89%
37-48 Months
▼
APR3.89%
Term37-48 Months
Last UpdatedJul 15, 2026
Details
APR = Annual Percentage Rate. All Rates & Terms are subject to change without notice.
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
Auto Loans - Used & New
3.94%
0-36 months
▼
APR3.94%
Term0-36 months
Last UpdatedJul 27, 2026
Details
As Low As; *
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
Used Auto Loans - Cars and Light Trucks 2024
3.95%
1 - 84 months
▼
APR3.95%
Term1 - 84 months
Last UpdatedJul 15, 2026
Details
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
Used Auto Loans - Cars and Light Trucks 2025
3.95%
1 - 84 months
▼
APR3.95%
Term1 - 84 months
Last UpdatedJul 15, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Pre-Owned (Used) Automobile (UA) - A (720-799)
3.95%
0-36 Months
▼
APR3.95%
Term0-36 Months
Last UpdatedJul 24, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Pre-Owned (Used) Automobile (UA) - A+ (800
3.95%
37-60 Months
▼
APR3.95%
Term37-60 Months
Last UpdatedJul 24, 2026
Details
Texasgulf Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
New or used vehicle Loan
3.99%
up to 36 months
▼
APR3.99%
Termup to 36 months
Last UpdatedJul 6, 2026
Details
As Low As; New or used vehicle up to 36 months.
United Heritage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.17%
New/Used Auto Loan
3.99%
0 to 36 Months
▼
APR3.99%
Term0 to 36 Months
Last UpdatedJul 11, 2026
Details
As Low As
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
Used Auto Loan
4.00%
Up to 48 months
▼
APR4.00%
TermUp to 48 months
Last UpdatedJul 22, 2026
Details
As Low As; All model years
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
New & Used Auto
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedJul 22, 2026
Details
As Low As
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.62%
Used Automobiles & Light Trucks
4.00%
36 mos.
▼
APR4.00%
Term36 mos.
Last UpdatedJul 22, 2026
Details
Concho Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
Used Autos
4.00%
24 to 60 months
▼
APR4.00%
Term24 to 60 months
Last UpdatedJul 27, 2026
Details
As low as; Maximum Loan: NADA RETAIL VALUE
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
Auto Loans (New & Used)
4.05%
Up to 36 Months
▼
APR4.05%
TermUp to 36 Months
Last UpdatedJul 6, 2026
Details
As Low As; Model Years: 2019-2025
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
New & Used Auto Loans
4.05%
Up to 36 Months
▼
APR4.05%
TermUp to 36 Months
Last UpdatedJul 6, 2026
Details
As Low As; Model Years: 2019-2025
Mesquite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
New and Used Vehicles Loan
4.10%
Up to 72 Months
▼
APR4.10%
TermUp to 72 Months
Last UpdatedJul 27, 2026
Details
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
Auto Loans - Used & New
4.14%
49-60 months
▼
APR4.14%
Term49-60 months
Last UpdatedJul 27, 2026
Details
As Low As; *
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
Used Auto Loans - Cars and Light Trucks 2023
4.20%
1 - 78 months
▼
APR4.20%
Term1 - 78 months
Last UpdatedJul 15, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New and Used Autos
4.24%
24 Months
▼
APR4.24%
Term24 Months
Last UpdatedJul 25, 2026
Details
Up to 120% Financing on Approved Credit
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
2023-2025 Used Vehicles Loan
4.24%
Up to 48 Months
▼
APR4.24%
TermUp to 48 Months
Last UpdatedJul 27, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
Used Auto Loan
4.25%
Up to 60 months
▼
APR4.25%
TermUp to 60 months
Last UpdatedJul 22, 2026
Details
As Low As; 2020 & newer
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
Used Automobile Loan
4.25%
Up to 36 Months
▼
APR4.25%
TermUp to 36 Months
Last UpdatedJul 23, 2026
Details
As Low As; Fixed Rate
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
USED Autos - Up to 36 Months
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedJul 27, 2026
Details
As Low As; Rates as low as 4.25% - 13.75%
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
Used Auto Loans
4.25%
0-24 months
▼
APR4.25%
Term0-24 months
Last UpdatedJul 27, 2026
Details
DuGood Federal Credit Union
Institution Rating:
F2.8 ★ Texas Ratio: 0.47%
New & Used Auto Loan
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedJul 27, 2026
Details
Vehicle Age: Up to 2026
The Peoples Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.36%
New & Used Vehicles Loan
4.29%
3 yrs*
▼
APR4.29%
Term3 yrs*
Last UpdatedJul 22, 2026
Details
As low as; *Rate includes both discounts
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
Auto Loans - Used & New
4.29%
61-72 months
▼
APR4.29%
Term61-72 months
Last UpdatedJul 27, 2026
Details
As Low As; *
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
Used Auto Loans - Cars and Light Trucks 2022
4.30%
1 - 72 months
▼
APR4.30%
Term1 - 72 months
Last UpdatedJul 15, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
New & Used Vehicles - 60 months Loan
4.35%
60 months
▼
APR4.35%
Term60 months
Last UpdatedJul 24, 2026
Details
As Low As
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
New & Used Autos
4.39%
49 - 65 Months
▼
APR4.39%
Term49 - 65 Months
Last UpdatedJul 15, 2026
Details
APR = Annual Percentage Rate. All Rates & Terms are subject to change without notice.
Southwest Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.85%
Used Auto
4.39%
Up to 72 months
▼
APR4.39%
TermUp to 72 months
Last UpdatedJul 23, 2026
Details
As Low As
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
Used Auto Loans - Cars and Light Trucks 2021
4.40%
1 - 66 months
▼
APR4.40%
Term1 - 66 months
Last UpdatedJul 15, 2026
Details
Americas Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
New and Used Auto Loans 60-Months
4.40%
60-Months
▼
APR4.40%
Term60-Months
Last UpdatedJul 27, 2026
Details
As Low As
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
Used Vehicle Loan
4.49%
Up to 48 Months
▼
APR4.49%
TermUp to 48 Months
Last UpdatedJul 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New and Used Autos
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedJul 25, 2026
Details
Up to 120% Financing on Approved Credit
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
2023-2025 Used Vehicles Loan
4.49%
Up to 72 Months
▼
APR4.49%
TermUp to 72 Months
Last UpdatedJul 27, 2026
Details
Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.57%
New and Used Vehicles Loan
4.49%
Up to 48 Months
▼
APR4.49%
TermUp to 48 Months
Last UpdatedJul 27, 2026
Details
City Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
New or Used Auto Loans
4.49%
24 Months
▼
APR4.49%
Term24 Months
Last UpdatedJul 27, 2026
Details
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
Auto Loans Used
4.49%
54 months or Less
▼
APR4.49%
Term54 months or Less
Last UpdatedJul 27, 2026
Details
As low as
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Cars and Trucks Loan
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedJul 6, 2026
Details
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
Used Auto Loans - Cars and Light Trucks 2020
4.50%
1 - 60 months
▼
APR4.50%
Term1 - 60 months
Last UpdatedJul 15, 2026
Details
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
New Auto(Max Term 72m)/Used Auto(Max Term 60m)
4.50%
36mm
▼
APR4.50%
Term36mm
Last UpdatedJul 15, 2026
Details
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
New & Used Auto
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedJul 22, 2026
Details
As Low As
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
Used Automobile Loan
4.50%
37 - 48 Months
▼
APR4.50%
Term37 - 48 Months
Last UpdatedJul 23, 2026
Details
As Low As; Fixed Rate
Energy Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.19%
Used Autos
4.50%
48 - 84 months
▼
APR4.50%
Term48 - 84 months
Last UpdatedJul 25, 2026
Details
Used Autos
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
USED Autos - Up to 48 Months
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedJul 27, 2026
Details
As Low As; Rates as low as 4.50% - 14.00%
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
Used Auto Loans
4.50%
49-60 months
▼
APR4.50%
Term49-60 months
Last UpdatedJul 27, 2026
Details
DuGood Federal Credit Union
Institution Rating:
F2.8 ★ Texas Ratio: 0.47%
New & Used Auto Loan
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedJul 27, 2026
Details
Vehicle Age: 2022-2026
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
Used Autos
4.54%
48 Months
▼
APR4.54%
Term48 Months
Last UpdatedJul 16, 2026
Details
Fewer than 100,000 miles
Libertyone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.81%
New and Used Automobiles
4.55%
24 months
▼
APR4.55%
Term24 months
Last UpdatedJul 16, 2026
Details
One Source Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
New and Used Autos - Up to 48 Months
4.59%
Up to 48 Months
▼
APR4.59%
TermUp to 48 Months
Last UpdatedJul 6, 2026
Details
All loans quoted at 80% Loan to Value
The Peoples Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.36%
New & Used Vehicles Loan
4.59%
5 yrs*
▼
APR4.59%
Term5 yrs*
Last UpdatedJul 22, 2026
Details
*Rate includes both discounts
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Used Auto
4.59%
Up to 60 months
▼
APR4.59%
TermUp to 60 months
Last UpdatedJul 24, 2026
Details
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
Used Auto Loans - Cars and Light Trucks 2019
4.60%
1 - 54 months
▼
APR4.60%
Term1 - 54 months
Last UpdatedJul 15, 2026
Details
DuGood Federal Credit Union
Institution Rating:
F2.8 ★ Texas Ratio: 0.47%
New & Used Auto Loan
4.60%
66 Months
▼
APR4.60%
Term66 Months
Last UpdatedJul 27, 2026
Details
Vehicle Age: 2023-2026
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
Used Vehicle Loan
4.64%
Up to 60 Months
▼
APR4.64%
TermUp to 60 Months
Last UpdatedJul 23, 2026
Details
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
New And Used Autos
4.69%
Up to 36 Months
▼
APR4.69%
TermUp to 36 Months
Last UpdatedJul 6, 2026
Details
Maximum APR: 15.44%
Cherokee County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.79%
Used Car Loan
4.70%
72 months
▼
APR4.70%
Term72 months
Last UpdatedJul 8, 2026
Details
Rates as low as 4.60%.
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
Used Auto Loans - Cars and Light Trucks 2018
4.70%
1 - 48 months
▼
APR4.70%
Term1 - 48 months
Last UpdatedJul 15, 2026
Details
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
2019 - 2022 Used Vehicles Loan
4.74%
Up to 48 Months
▼
APR4.74%
TermUp to 48 Months
Last UpdatedJul 27, 2026
Details
Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.57%
New and Used Vehicles Loan
4.74%
49 to 66 Months
▼
APR4.74%
Term49 to 66 Months
Last UpdatedJul 27, 2026
Details
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
Auto Loans Used
4.74%
72 months
▼
APR4.74%
Term72 months
Last UpdatedJul 27, 2026
Details
As low as
APR4.74%
TermUp to 48 mo.
Last UpdatedJul 27, 2026
Details
Rates effective 9/1/2025. All rates presented are APR (Annual Percentage Rate). Fixed rates. Rates shown are based on excellent credit history, underwriting criteria, and account qualification. Rates subject to change. Used Vehicles: 2023-2024 model years.
Healthcare Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
Used Autos: 2017 - 2025
4.75%
Up to 48 months
▼
APR4.75%
TermUp to 48 months
Last UpdatedJul 15, 2026
Details
Libertyone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.81%
New and Used Automobiles
4.75%
36 months
▼
APR4.75%
Term36 months
Last UpdatedJul 16, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
Used Auto Loan
4.75%
Up to 72 months
▼
APR4.75%
TermUp to 72 months
Last UpdatedJul 22, 2026
Details
As Low As; 2022 & newer
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
New & Used Auto
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedJul 22, 2026
Details
As Low As
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.62%
Used Automobiles & Light Trucks
4.75%
60 mos.
▼
APR4.75%
Term60 mos.
Last UpdatedJul 22, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
New & Used Vehicles - 72 months Loan
4.75%
72 months
▼
APR4.75%
Term72 months
Last UpdatedJul 24, 2026
Details
As Low As
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
USED Autos - Up to 60 Months
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedJul 27, 2026
Details
As Low As; Rates as low as 4.75% - 14.75%
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 15.58%
New and Used Auto Loans
4.79%
36 months or less
▼
APR4.79%
Term36 months or less
Last UpdatedJul 11, 2026
Details
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of July 11, 2026. Rates are subject to change without notice.
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
Used Autos
4.79%
71 Months
▼
APR4.79%
Term71 Months
Last UpdatedJul 16, 2026
Details
Fewer than 100,000 miles
Amplify Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
Auto Loan (New/Used)
4.80%
0 - 48 Months
▼
APR4.80%
Term0 - 48 Months
Last UpdatedJul 11, 2026
Details
As Low As
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
Used Auto Loans - Cars and Light Trucks 2017
4.80%
1 - 42 months
▼
APR4.80%
Term1 - 42 months
Last UpdatedJul 15, 2026
Details
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
New And Used Autos
4.84%
49 - 60 Months
▼
APR4.84%
Term49 - 60 Months
Last UpdatedJul 6, 2026
Details
Maximum APR: 16.34%
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 15.58%
New and Used Auto Loans
4.84%
37 - 48 months
▼
APR4.84%
Term37 - 48 months
Last UpdatedJul 11, 2026
Details
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of July 11, 2026. Rates are subject to change without notice.
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 15.58%
New and Used Auto Loans
4.89%
49 - 60 months
▼
APR4.89%
Term49 - 60 months
Last UpdatedJul 11, 2026
Details
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of July 11, 2026. Rates are subject to change without notice.
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
New & Used Autos
4.89%
66 - 74 Months
▼
APR4.89%
Term66 - 74 Months
Last UpdatedJul 15, 2026
Details
APR = Annual Percentage Rate. All Rates & Terms are subject to change without notice.
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
Used Vehicle Loan
4.89%
Up to 72 Months
▼
APR4.89%
TermUp to 72 Months
Last UpdatedJul 23, 2026
Details
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
Used Auto Loans - Cars and Light Trucks 2016
4.90%
1 - 36 months
▼
APR4.90%
Term1 - 36 months
Last UpdatedJul 15, 2026
Details
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
New Auto(Max Term 72m)/Used Auto(Max Term 60m)
4.90%
48m
▼
APR4.90%
Term48m
Last UpdatedJul 15, 2026
Details
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
New And Used Autos
4.94%
37 - 48 Months
▼
APR4.94%
Term37 - 48 Months
Last UpdatedJul 6, 2026
Details
Maximum APR: 15.69%
Keystone Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.20%
Used Vehicle Loan
4.94%
Up to 60 Months
▼
APR4.94%
TermUp to 60 Months
Last UpdatedJul 27, 2026
Details
As Low As
Libertyone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.81%
New and Used Automobiles
4.95%
48 months
▼
APR4.95%
Term48 months
Last UpdatedJul 16, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
Used Automobile Loan
4.95%
49 - 60 Months
▼
APR4.95%
Term49 - 60 Months
Last UpdatedJul 23, 2026
Details
As Low As; Fixed Rate
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Pre-Owned (Used) Automobile (UA) - A (720-799)
4.95%
37-60 Months
▼
APR4.95%
Term37-60 Months
Last UpdatedJul 24, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Pre-Owned (Used) Automobile (UA) - A+ (800
4.95%
61-72 Months
▼
APR4.95%
Term61-72 Months
Last UpdatedJul 24, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Pre-Owned (Used) Automobile (UA) - B (680-719)
4.95%
0-36 Months
▼
APR4.95%
Term0-36 Months
Last UpdatedJul 24, 2026
Details
Domino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New and Used Autos
4.95%
Up to 72 Months
▼
APR4.95%
TermUp to 72 Months
Last UpdatedJul 24, 2026
Details
United Heritage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.17%
New/Used Auto Loan
4.99%
37 to 48 Months
▼
APR4.99%
Term37 to 48 Months
Last UpdatedJul 11, 2026
Details
As Low As
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
Used Auto Loan Purchase (Model Year 2020 and newer) - Up to 36 Month
4.99%
36 Month
▼
APR4.99%
Term36 Month
Last UpdatedJul 11, 2026
Details
As Low As; Minimum Amount: $2,000
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 15.58%
New and Used Auto Loans
4.99%
61 - 72 months
▼
APR4.99%
Term61 - 72 months
Last UpdatedJul 11, 2026
Details
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of July 11, 2026. Rates are subject to change without notice.
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Heidenheimer, TX Auto Loan Rate Trends
Compare local Heidenheimer, TX auto loan rates against the statewide average
Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
New Auto Loan — TX Avg
5.817%
▼ 0.250 vs 7 days ago
Texas new auto rates fell 0.250 points over the past 7 days to 5.817% APR.
Used Auto Loan — TX Avg
5.626%
▼ 0.155 vs 7 days ago
Texas used auto rates fell 0.155 points over the past 7 days to 5.626% APR.
As of Jul 28, 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 Heidenheimer, 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 Heidenheimer, 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 Heidenheimer, 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 Heidenheimer, 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 Heidenheimer, 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 Heidenheimer, 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 Heidenheimer, Texas?
Based on our current data, some of the lowest auto loan rates available in Heidenheimer, Texas include:
- HIGHWAY DISTRICT 21: 2.50% (Vehicle Loan)
- Southern Federal Credit Union: 2.50% (Auto Loans)
- IBEW Local 66 Federal Credit Union: 2.95% (New Vehicles Loan)
- TEXOMA EDUCATORS: 2.99% (New vehicles Loan)
- Lubrizol Employees Credit Union: 3.24% (New & Used Automobile)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Heidenheimer, Texas. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: July 27, 2026
Heidenheimer, Texas Rates & Resources
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