Auto Loan Rates in Texas (TX) for May 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Texas. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Texas include IBEW Local 66 Federal Credit UnionIBEW Local 66 Federal Credit Union4345 ALLEN GENOA RD, PASADENA, TX, 77504A+5.0 ★Texas Ratio: 1.92% offering New Automobile (NA) A+ (800 0-36 Months at 2.95%, TEXOMA EDUCATORSTEXOMA EDUCATORS506 W Lamar St, Sherman, TX, 75090 5840A+5.0 ★Texas Ratio: 2.34% offering New vehicles at 2.99%, Members Choice Credit UnionMembers Choice Credit Union18211 Katy Fwy, Houston, TX, 77094 1395A5.0 ★Texas Ratio: 7.88% offering New and Pre-Owned Autos at 3.24%, Baxter Credit UnionBaxter Credit Union7034 Alamo Downs Pkwy, San Antonio, TX, 78238A5.0 ★Texas Ratio: 7.04% offering Auto Loans at 3.24%, Lubrizol Employees Credit UnionLubrizol Employees Credit Union205 Center St, Deer Park, TX, 77536 2735A+5.0 ★Texas Ratio: 1.17% offering New & Used Automobile at 3.24%. Auto loan rates as of May 23, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare auto loan rates across Texas side-by-side. Texas auto loan rates currently start as low as 2.95% APR from IBEW Local 66 Federal Credit Union at 4345 ALLEN GENOA RD, PASADENA, TX, 77504. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Texas. Auto Loan Rates Last Updated and Verified: May 23, 2026
Compare Auto Loan Rates Today in Texas
Texas Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
New Automobile (NA) A+ (800 0-36 Months
2.95%
36 Months
▼
APR2.95%
Term36 Months
Last UpdatedMay 22, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
Pre-Owned (Used) Automobile (UA)
2.95%
0-36
▼
APR2.95%
Term0-36
Last UpdatedMay 22, 2026
Details
Grade: A+ (800+)
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
506 W Lamar St, Sherman, TX, 75090 5840
New vehicles
2.99%
0-36
▼
APR2.99%
Term0-36
Last UpdatedMay 20, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
506 W Lamar St, Sherman, TX, 75090 5840
New vehicles: 0-36 months
2.99%
36 Months
▼
APR2.99%
Term36 Months
Last UpdatedMay 20, 2026
Details
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
18211 Katy Fwy, Houston, TX, 77094 1395
New and Pre-Owned Autos
3.24%
12-36
▼
APR3.24%
Term12-36
Last UpdatedMay 20, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
7034 Alamo Downs Pkwy, San Antonio, TX, 78238
Auto Loans
3.24%
Auto Buying Service
▼
APR3.24%
TermAuto Buying Service
Last UpdatedMay 20, 2026
Details
As Low As; APR - 2026 & Newer
Lubrizol Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.17%
205 Center St, Deer Park, TX, 77536 2735
New & Used Automobile
3.24%
24 Months
▼
APR3.24%
Term24 Months
Last UpdatedMay 23, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
American Airlines Credit Union, Fort Worth, TX, 76155
New Auto
3.34%
36 Months
▼
APR3.34%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As; Up to 36 Months
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
2901 Sens Rd, La Porte, TX, 77571
New & Used Autos
3.39%
Up to 36 Months
▼
APR3.39%
TermUp to 36 Months
Last UpdatedMay 22, 2026
Details
As Low As
USE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.86%
400 S Akard St, Dallas, TX, 75202 5324
New & Used Autos
3.49%
72 Months
▼
APR3.49%
Term72 Months
Last UpdatedMay 17, 2026
Details
As Low As
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
2900 Decker Dr, Baytown, TX, 77520 2076
New Autos
3.49%
36 Months
▼
APR3.49%
Term36 Months
Last UpdatedMay 20, 2026
Details
As Low As; Fewer than 7,500 miles
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
2900 Decker Dr, Baytown, TX, 77520 2076
Used Autos
3.49%
36 Months
▼
APR3.49%
Term36 Months
Last UpdatedMay 20, 2026
Details
As Low As; Fewer than 100,000 miles
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
676 Magnolia Ave, Port Neches, TX, 77651
New Auto Loan
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
676 Magnolia Ave, Port Neches, TX, 77651
Used Auto Loan
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As; All model years
Star Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.66%
10429 Leopard St, Corpus Christi, TX, 78410 1933
Auto Loans
3.53%
18 Months
▼
APR3.53%
Term18 Months
Last UpdatedMay 20, 2026
Details
Victoria City County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
205 N Bridge St Ste 111, Victoria, TX, 77901
New & Used Auto Loans
3.56%
36 to 72** Months
▼
APR3.56%
Term36 to 72** Months
Last UpdatedMay 22, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
100 N Kimball Ave Ste 103, Southlake, TX, 76092 8024
New and Used Other Vehicle Loans
3.69%
Up to 12 months
▼
APR3.69%
TermUp to 12 months
Last UpdatedMay 20, 2026
Details
Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
183 E Price Rd, Brownsville, TX, 78521
New Auto Loan
3.70%
75 Months
▼
APR3.70%
Term75 Months
Last UpdatedMay 17, 2026
Details
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles
3.73%
36 Months
▼
APR3.73%
Term36 Months
Last UpdatedMay 20, 2026
Details
As Low As; Year Models - 2020 & Newer; Up to 36 Months
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
676 Magnolia Ave, Port Neches, TX, 77651
New Auto Loan
3.75%
48 Months
▼
APR3.75%
Term48 Months
Last UpdatedMay 22, 2026
Details
As Low As
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
676 Magnolia Ave, Port Neches, TX, 77651
Used Auto Loan
3.75%
48 Months
▼
APR3.75%
Term48 Months
Last UpdatedMay 22, 2026
Details
As Low As; All model years
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles
3.80%
48 Months
▼
APR3.80%
Term48 Months
Last UpdatedMay 20, 2026
Details
As Low As; Year Models - 2021 & Newer; 37 - 48 Months
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
American Airlines Credit Union, Fort Worth, TX, 76155
Used Auto
3.84%
36 Months
▼
APR3.84%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As; Up to 36 Months
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles
3.86%
60 Months
▼
APR3.86%
Term60 Months
Last UpdatedMay 20, 2026
Details
As Low As; Year Models - 2022 & Newer; 49 - 60 Months
Americas Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
2154 FOREST LN, GARLAND, TX, 75042
Auto Loans
3.89%
36 Months
▼
APR3.89%
Term36 Months
Last UpdatedMay 20, 2026
Details
As Low As; Fixed-Rate up to 36 months
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
2901 Sens Rd, La Porte, TX, 77571
New & Used Autos
3.89%
37-48 Months
▼
APR3.89%
Term37-48 Months
Last UpdatedMay 22, 2026
Details
As Low As
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
2801 N 6th St, Abilene, TX, 79603
New Auto Loans - Cars and Light Trucks
3.90%
1 - 84 months
▼
APR3.90%
Term1 - 84 months
Last UpdatedMay 22, 2026
Details
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
2801 N 6th St, Abilene, TX, 79603
Used Auto Loans - Cars and Light Trucks 2024
3.90%
1 - 84
▼
APR3.90%
Term1 - 84
Last UpdatedMay 22, 2026
Details
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
2801 N 6th St, Abilene, TX, 79603
Used Auto Loans - Cars and Light Trucks 2025
3.90%
1 - 84
▼
APR3.90%
Term1 - 84
Last UpdatedMay 22, 2026
Details
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles
3.92%
72 Months
▼
APR3.92%
Term72 Months
Last UpdatedMay 20, 2026
Details
As Low As; Year Models - 2023 & Newer; 61 - 72 Months
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
12611 Fuqua St, Houston, TX, 77034
Auto Loans - Used & New
3.94%
0-36
▼
APR3.94%
Term0-36
Last UpdatedMay 20, 2026
Details
As Low As
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
New Automobile (NA) A (720-799) 0-36 Months
3.95%
36 Months
▼
APR3.95%
Term36 Months
Last UpdatedMay 22, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
New Automobile (NA) A+ (800 37-60 Months
3.95%
60 Months
▼
APR3.95%
Term60 Months
Last UpdatedMay 22, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
Pre-Owned (Used) Automobile (UA)
3.95%
37-60
▼
APR3.95%
Term37-60
Last UpdatedMay 22, 2026
Details
Grade: A+ (800+)
Domino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
9978 FM 3129, Queen City, TX, 75572
New and Used Autos
3.95%
36 Months
▼
APR3.95%
Term36 Months
Last UpdatedMay 22, 2026
Details
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles
3.98%
84 Months
▼
APR3.98%
Term84 Months
Last UpdatedMay 20, 2026
Details
As Low As; Year Models - 2025 & Newer; 73 - 84 Months
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
24909 Kuykendahl Rd, Tomball, TX, 77375 3295
NEW Autos Up to 36 Months
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 20, 2026
Details
As Low As
The State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.54%
6160 WARREN PKWY STE 500, FRISCO, TX, 75034 9673
New Automotive
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 20, 2026
Details
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
13649 Montfort Dr, Dallas, TX, 75240 2521
New Auto Loans
3.99%
54 Months
▼
APR3.99%
Term54 Months
Last UpdatedMay 20, 2026
Details
As Low As
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
13649 Montfort Dr, Dallas, TX, 75240 2521
Vehicle Loans
3.99%
54 Months
▼
APR3.99%
Term54 Months
Last UpdatedMay 20, 2026
Details
As Low As
Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
11920 Alterra Pkwy, Austin, TX, 78758
Auto Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 20, 2026
Details
As Low As
Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
11920 Alterra Pkwy, Austin, TX, 78758
Auto Loans
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 20, 2026
Details
As Low As
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX, 77087 1109
Car Loans
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 20, 2026
Details
As Low As
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedMay 20, 2026
Details
As Low As
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX, 77087 1109
Used or Refinanced Car Loans
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 20, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
7034 Alamo Downs Pkwy, San Antonio, TX, 78238
Auto Loans
3.99%
0 - 75 Months
▼
APR3.99%
Term0 - 75 Months
Last UpdatedMay 20, 2026
Details
As Low As; APR - 2026 & Newer
First Service Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
3923 5th St, Brookshire, TX, 77423
Auto Loan
3.99%
36 - 84
▼
APR3.99%
Term36 - 84
Last UpdatedMay 20, 2026
Details
As Low As
Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.19%
17 S 1st St, Temple, TX, 76501 7603
New Auto
3.99%
36-month
▼
APR3.99%
Term36-month
Last UpdatedMay 20, 2026
Details
As Low As
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
506 W Lamar St, Sherman, TX, 75090 5840
New vehicles
3.99%
37-48
▼
APR3.99%
Term37-48
Last UpdatedMay 20, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
506 W Lamar St, Sherman, TX, 75090 5840
New vehicles: 37-48 months
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedMay 20, 2026
Details
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
5953 Fairmont Pkwy, Pasadena, TX, 77505
Auto Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As; Maximum Loan Discount: 0.75%
City of Deer Park Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
2005 Center St, Deer Park, TX, 77536
Auto Loan A+
3.99%
0-48
▼
APR3.99%
Term0-48
Last UpdatedMay 22, 2026
Details
TruGrocer Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
1327 Brown Trl, Bedford, TX, 76022 6401
Vehicle Loan
3.99%
24 Months
▼
APR3.99%
Term24 Months
Last UpdatedMay 22, 2026
Details
As Low As; 24 month to 84 month terms
Rockdale Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
1821 W Cameron Ave, Rockdale, TX, 76567
New Vehicles Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 22, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
14090 Southwest Fwy Ste 260, Sugar Land, TX, 77478 3678
New Auto Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As; - Up to $250,000; Qualifying rate - Conditions apply
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
14090 Southwest Fwy Ste 260, Sugar Land, TX, 77478 3678
Used Auto Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As; - Up to $250,000 (Up to 5 Years old / 2021+)
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2610 Network Blvd Ste 600, Frisco, TX, 75034 6009
New Cars and Trucks
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedMay 17, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
16597 Interstate 45 S, Conroe, TX, 77385
Auto Loan - New Vehicles
4.00%
24 Months
▼
APR4.00%
Term24 Months
Last UpdatedMay 20, 2026
Details
Concho Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
1002 S Abe St, San Angelo, TX, 76903 7240
New Auto
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedMay 20, 2026
Details
As Low As; Maximum Loan: 100%
Concho Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
1002 S Abe St, San Angelo, TX, 76903 7240
Used Autos
4.00%
24 Months
▼
APR4.00%
Term24 Months
Last UpdatedMay 20, 2026
Details
As Low As; Maximum Loan: NADA RETAIL VALUE
Service 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
10001 Jack Finney Blvd, Greenville, TX, 75402
New Vehicle
4.00%
94 Months
▼
APR4.00%
Term94 Months
Last UpdatedMay 20, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
676 Magnolia Ave, Port Neches, TX, 77651
New Auto Loan
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
676 Magnolia Ave, Port Neches, TX, 77651
Used Auto Loan
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As; 2020 & newer
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
5211 E Parkway St, Groves, TX, 77619
New & Used Auto
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.62%
3505 Wildewood Dr, San Angelo, TX, 76904
New Automobiles & Light Trucks
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.62%
3505 Wildewood Dr, San Angelo, TX, 76904
Used Automobiles & Light Trucks
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As
Starr County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
1322 E San Benito St, Rio Grande City, TX, 78582
Auto Purchases
4.00%
84 Months
▼
APR4.00%
Term84 Months
Last UpdatedMay 22, 2026
Details
As Low As
Energy Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.19%
18540 Northwest Fwy, Houston, TX, 77065
New Autos
4.00%
48 - 84
▼
APR4.00%
Term48 - 84
Last UpdatedMay 23, 2026
Details
As Low As
Energy Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.19%
18540 Northwest Fwy, Houston, TX, 77065
Used Autos
4.00%
48 - 84
▼
APR4.00%
Term48 - 84
Last UpdatedMay 23, 2026
Details
As Low As
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
100 Dominion Park Dr, Houston, TX, 77090 6716
Auto Loans (New & Used)
4.05%
36 Months
▼
APR4.05%
Term36 Months
Last UpdatedMay 17, 2026
Details
As Low As; 2019-2025 Model Years
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
American Airlines Credit Union, Fort Worth, TX, 76155
New Auto
4.09%
60 Months
▼
APR4.09%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As; Up to 60 months
Mesquite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
1510 N Galloway Ave, Mesquite, TX, 75149
New and Used Vehicles
4.10%
Up to 72 Months
▼
APR4.10%
TermUp to 72 Months
Last UpdatedMay 20, 2026
Details
As Low As
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
16597 Interstate 45 S, Conroe, TX, 77385
Auto Loan - New Vehicles
4.12%
36 Months
▼
APR4.12%
Term36 Months
Last UpdatedMay 20, 2026
Details
Memorial Credit Union Houston, TX
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
7789 Southwest fwy Ste 175, Houston, TX, 77074 1831
New Autos
4.14%
84 Months
▼
APR4.14%
Term84 Months
Last UpdatedMay 10, 2026
Details
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
12611 Fuqua St, Houston, TX, 77034
Auto Loans - Used & New
4.14%
49-60
▼
APR4.14%
Term49-60
Last UpdatedMay 20, 2026
Details
As Low As
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
2801 N 6th St, Abilene, TX, 79603
Used Auto Loans - Cars and Light Trucks 2023
4.15%
1 - 78
▼
APR4.15%
Term1 - 78
Last UpdatedMay 22, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
100 N Kimball Ave Ste 103, Southlake, TX, 76092 8024
New and Used Other Vehicle Loans
4.19%
72 months for $20,000 or more on boats, RVs, aircraft and motorcycle loans only
▼
APR4.19%
Term72 months for $20,000 or more on boats, RVs, aircraft and motorcycle loans only
Last UpdatedMay 20, 2026
Details
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
2455 Stringer St, Brenham, TX, 77833
2023-2025 Used Vehicles
4.24%
Up to 48 Months
▼
APR4.24%
TermUp to 48 Months
Last UpdatedMay 20, 2026
Details
Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.19%
17 S 1st St, Temple, TX, 76501 7603
New Auto
4.24%
60-month
▼
APR4.24%
Term60-month
Last UpdatedMay 20, 2026
Details
As Low As
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
5953 Fairmont Pkwy, Pasadena, TX, 77505
Auto Loan
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedMay 22, 2026
Details
As Low As; Maximum Loan Discount: 0.75%
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
3301 Airport Fwy Ste 175, Bedford, TX, 76021 6123
New & Used Autos
4.24%
24 Months
▼
APR4.24%
Term24 Months
Last UpdatedMay 23, 2026
Details
As Low As
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
24909 Kuykendahl Rd, Tomball, TX, 77375 3295
NEW Autos Up to 48 Months
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMay 20, 2026
Details
As Low As
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
24909 Kuykendahl Rd, Tomball, TX, 77375 3295
USED Autos Up to 36 Months
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedMay 20, 2026
Details
As Low As
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
16597 Interstate 45 S, Conroe, TX, 77385
Auto Loan - New Vehicles
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMay 20, 2026
Details
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
2736 Nall St, Port Neches, TX, 77651 5204
New Auto Loans
4.25%
0-24
▼
APR4.25%
Term0-24
Last UpdatedMay 20, 2026
Details
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
2736 Nall St, Port Neches, TX, 77651 5204
Used Auto Loans
4.25%
0-24
▼
APR4.25%
Term0-24
Last UpdatedMay 20, 2026
Details
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
2801 N 6th St, Abilene, TX, 79603
Used Auto Loans - Cars and Light Trucks 2022
4.25%
1 - 72
▼
APR4.25%
Term1 - 72
Last UpdatedMay 22, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
16320 Kensington Dr, Sugar Land, TX, 77479 4097
New Automobile Loan
4.25%
Up to 36
▼
APR4.25%
TermUp to 36
Last UpdatedMay 22, 2026
Details
As Low As
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
16320 Kensington Dr, Sugar Land, TX, 77479 4097
Used Automobile Loan
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As; Up to 36 Months
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
14090 Southwest Fwy Ste 260, Sugar Land, TX, 77478 3678
New Auto Loan
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMay 22, 2026
Details
As Low As; - Up to $250,000; Qualifying rate - Conditions apply
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
14090 Southwest Fwy Ste 260, Sugar Land, TX, 77478 3678
Used Auto Loan
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMay 22, 2026
Details
As Low As; - Up to $250,000 (Up to 5 Years old / 2021+)
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
12611 Fuqua St, Houston, TX, 77034
Auto Loans - Used & New
4.29%
61-72
▼
APR4.29%
Term61-72
Last UpdatedMay 20, 2026
Details
As Low As
Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
11920 Alterra Pkwy, Austin, TX, 78758
Auto Loan
4.29%
48 Months
▼
APR4.29%
Term48 Months
Last UpdatedMay 20, 2026
Details
As Low As
Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
11920 Alterra Pkwy, Austin, TX, 78758
Auto Loans
4.29%
48 Months
▼
APR4.29%
Term48 Months
Last UpdatedMay 20, 2026
Details
As Low As
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
2900 Decker Dr, Baytown, TX, 77520 2076
New Autos
4.29%
48 Months
▼
APR4.29%
Term48 Months
Last UpdatedMay 20, 2026
Details
As Low As; Fewer than 7,500 miles
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
2900 Decker Dr, Baytown, TX, 77520 2076
Used Autos
4.29%
48 Months
▼
APR4.29%
Term48 Months
Last UpdatedMay 20, 2026
Details
As Low As; Fewer than 100,000 miles
The Peoples Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.36%
7200 Hillside Rd, Amarillo, TX, 79109 7460
New & Used Vehicles Loan
4.29%
3 Months
▼
APR4.29%
Term3 Months
Last UpdatedMay 22, 2026
Details
As Low As; Rate includes both discounts
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
2801 N 6th St, Abilene, TX, 79603
Used Auto Loans - Cars and Light Trucks 2021
4.35%
1 - 66
▼
APR4.35%
Term1 - 66
Last UpdatedMay 22, 2026
Details
Cherokee County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.79%
145 FM 2972 W, RUSK, TX, 75785
New Car Loan
4.35%
84 Months
▼
APR4.35%
Term84 Months
Last UpdatedMay 22, 2026
Details
As Low As; 84 months
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
1 Valero Way, San Antonio, TX, 78249 1616
New & Used Vehicles Loan
4.35%
60 Months
▼
APR4.35%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
16597 Interstate 45 S, Conroe, TX, 77385
Auto Loan - New Vehicles
4.38%
60 Months
▼
APR4.38%
Term60 Months
Last UpdatedMay 20, 2026
Details
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
2300 Texas Ave, Texas City, TX, 77590
New And Used Autos
4.39%
Up to 36
▼
APR4.39%
TermUp to 36
Last UpdatedMay 17, 2026
Details
As Low As
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
2901 Sens Rd, La Porte, TX, 77571
New & Used Autos
4.39%
49 - 65 Months
▼
APR4.39%
Term49 - 65 Months
Last UpdatedMay 22, 2026
Details
As Low As
Southwest Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.85%
1750 Valley View Ln Ste 110, Farmers Branch, TX, 75234 9024
New Auto
4.39%
72 Months
▼
APR4.39%
Term72 Months
Last UpdatedMay 22, 2026
Details
As Low As
Southwest Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.85%
1750 Valley View Ln Ste 110, Farmers Branch, TX, 75234 9024
Used Auto
4.39%
72 Months
▼
APR4.39%
Term72 Months
Last UpdatedMay 22, 2026
Details
As Low As
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.77%
2421 Westport Pkwy Ste 1300, Fort Worth, TX, 76177 5311
NEW Auto Loan
4.40%
36 Months
▼
APR4.40%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As
Swemp Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
601 OLIVE ST, TEXARKANA, TX, 75501
New Autos
4.45%
Up to 84 Months
▼
APR4.45%
TermUp to 84 Months
Last UpdatedMay 22, 2026
Details
As Low As
Swemp Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
601 OLIVE ST, TEXARKANA, TX, 75501
Pre-Owned Autos
4.45%
Up to 84 Months
▼
APR4.45%
TermUp to 84 Months
Last UpdatedMay 22, 2026
Details
As Low As
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
2801 N 6th St, Abilene, TX, 79603
Used Auto Loans - Cars and Light Trucks 2020
4.45%
1 - 60
▼
APR4.45%
Term1 - 60
Last UpdatedMay 22, 2026
Details
Texasgulf Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
2101 N Fulton st, Wharton, TX, 77488
New or used vehicle
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMay 17, 2026
Details
As Low As; New or used vehicle up to 36 months.
Gulf Shore Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.68%
1306 N Logan St, Texas City, TX, 77590 5046
Autos 2026-2022
4.49%
0-24
▼
APR4.49%
Term0-24
Last UpdatedMay 17, 2026
Details
As Low As
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
2455 Stringer St, Brenham, TX, 77833
2023-2025 Used Vehicles
4.49%
Up to 72 Months
▼
APR4.49%
TermUp to 72 Months
Last UpdatedMay 20, 2026
Details
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
2455 Stringer St, Brenham, TX, 77833
2026 New Vehicles & Newer
4.49%
Up to 48-54 Months
▼
APR4.49%
TermUp to 48-54 Months
Last UpdatedMay 20, 2026
Details
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
24909 Kuykendahl Rd, Tomball, TX, 77375 3295
NEW Autos Up to 60 Months
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMay 20, 2026
Details
As Low As
Germania Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
PO Box 645, Brenham, TX, 77834 0645
New Vehicle
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMay 20, 2026
Details
As Low As; Up to 125% of MSRP with approved credit.
Access Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.08%
6401 Bell St, Amarillo, TX, 79109
New Vehicles - 5 years and newer**
4.49%
24 to 36
▼
APR4.49%
Term24 to 36
Last UpdatedMay 20, 2026
Details
Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.57%
4800 GROVER AVE, AUSTIN, TX, 78756
New and Used Vehicles
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMay 20, 2026
Details
As Low As; Up to 48 Months
City Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
7474 Ferguson Rd, Dallas, TX, 75228
New or Used Auto Loans
4.49%
24 Months
▼
APR4.49%
Term24 Months
Last UpdatedMay 20, 2026
Details
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
13649 Montfort Dr, Dallas, TX, 75240 2521
Auto Loans Used
4.49%
54 Months
▼
APR4.49%
Term54 Months
Last UpdatedMay 20, 2026
Details
As Low As
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
13649 Montfort Dr, Dallas, TX, 75240 2521
New Auto Loans
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedMay 20, 2026
Details
As Low As
Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
11920 Alterra Pkwy, Austin, TX, 78758
Auto Loan
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMay 20, 2026
Details
As Low As
Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
11920 Alterra Pkwy, Austin, TX, 78758
Auto Loans
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMay 20, 2026
Details
As Low As
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX, 77087 1109
Car Loans
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMay 20, 2026
Details
As Low As
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto
4.49%
Up to 48 months
▼
APR4.49%
TermUp to 48 months
Last UpdatedMay 20, 2026
Details
As Low As
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX, 77087 1109
Used or Refinanced Car Loans
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMay 20, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
7034 Alamo Downs Pkwy, San Antonio, TX, 78238
Auto Loans
4.49%
Auto Buying Service
▼
APR4.49%
TermAuto Buying Service
Last UpdatedMay 20, 2026
Details
As Low As; APR - 2023 - 2025*
Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.19%
17 S 1st St, Temple, TX, 76501 7603
New Auto
4.49%
72-month
▼
APR4.49%
Term72-month
Last UpdatedMay 20, 2026
Details
As Low As
Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.19%
17 S 1st St, Temple, TX, 76501 7603
Pre-Owned Auto
4.49%
36-month
▼
APR4.49%
Term36-month
Last UpdatedMay 20, 2026
Details
As Low As
TEXAS TECH
Institution Rating:
A5.0 ★ Texas Ratio: 3.51%
1802 Texas Tech Parkway, Lubbock, TX, 79409
New Auto Loan
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMay 20, 2026
Details
Lubbock Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2802 York Ave Unit D, LUBBOCK, TX, 79407 2632
New Auto Loan
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMay 22, 2026
Details
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
5953 Fairmont Pkwy, Pasadena, TX, 77505
Auto Loan
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As; Maximum Loan Discount: 0.75%
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
2105 W Grande Blvd, Tyler, TX, 75703 0551
New Vehicle Loan
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMay 22, 2026
Details
Domino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
9978 FM 3129, Queen City, TX, 75572
New and Used Autos
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedMay 22, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
3301 Airport Fwy Ste 175, Bedford, TX, 76021 6123
New & Used Autos
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMay 23, 2026
Details
As Low As
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2610 Network Blvd Ste 600, Frisco, TX, 75034 6009
New Cars and Trucks
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedMay 17, 2026
Details
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2610 Network Blvd Ste 600, Frisco, TX, 75034 6009
Used Cars and Trucks
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedMay 17, 2026
Details
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
24909 Kuykendahl Rd, Tomball, TX, 77375 3295
USED Autos Up to 48 Months
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedMay 20, 2026
Details
As Low As
Concho Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
1002 S Abe St, San Angelo, TX, 76903 7240
New Auto
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedMay 20, 2026
Details
As Low As; Maximum Loan: 100%
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
2736 Nall St, Port Neches, TX, 77651 5204
New Auto Loans
4.50%
49-60
▼
APR4.50%
Term49-60
Last UpdatedMay 20, 2026
Details
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
2736 Nall St, Port Neches, TX, 77651 5204
Used Auto Loans
4.50%
49-60
▼
APR4.50%
Term49-60
Last UpdatedMay 20, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
676 Magnolia Ave, Port Neches, TX, 77651
New Auto Loan
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedMay 22, 2026
Details
As Low As
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
676 Magnolia Ave, Port Neches, TX, 77651
Used Auto Loan
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedMay 22, 2026
Details
As Low As; 2022 & newer
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
5211 E Parkway St, Groves, TX, 77619
New & Used Auto
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedMay 22, 2026
Details
As Low As
Port Arthur Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
3001 JIMMY JOHNSON BLVD, PORT ARTHUR, TX, 77642
New Car Loan
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedMay 22, 2026
Details
up to 60 month financing available
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
16320 Kensington Dr, Sugar Land, TX, 77479 4097
New Automobile Loan
4.50%
37 - 48
▼
APR4.50%
Term37 - 48
Last UpdatedMay 22, 2026
Details
As Low As
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
16320 Kensington Dr, Sugar Land, TX, 77479 4097
Used Automobile Loan
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedMay 22, 2026
Details
As Low As; 37 - 48 Months
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto(Max Term 72m)/Used Auto(Max Term 60m) - 730+ - A+
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedMay 22, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
14090 Southwest Fwy Ste 260, Sugar Land, TX, 77478 3678
New Auto Loan
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As; - Up to $250,000; Qualifying rate - Conditions apply
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
14090 Southwest Fwy Ste 260, Sugar Land, TX, 77478 3678
Used Auto Loan
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As; - Up to $250,000 (Up to 5 Years old / 2021+)
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
2300 Texas Ave, Texas City, TX, 77590
New And Used Autos
4.54%
49 - 60
▼
APR4.54%
Term49 - 60
Last UpdatedMay 17, 2026
Details
As Low As
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
2900 Decker Dr, Baytown, TX, 77520 2076
New Autos
4.54%
71 Months
▼
APR4.54%
Term71 Months
Last UpdatedMay 20, 2026
Details
As Low As; Fewer than 7,500 miles
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
2900 Decker Dr, Baytown, TX, 77520 2076
Used Autos
4.54%
71 Months
▼
APR4.54%
Term71 Months
Last UpdatedMay 20, 2026
Details
As Low As; Fewer than 100,000 miles
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
2501 S State Highway 121 BUS, Lewisville, TX, 75067 4394
Car Loans
4.55%
2 Months
▼
APR4.55%
Term2 Months
Last UpdatedMay 22, 2026
Details
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
2801 N 6th St, Abilene, TX, 79603
Used Auto Loans - Cars and Light Trucks 2019
4.55%
1 - 54
▼
APR4.55%
Term1 - 54
Last UpdatedMay 22, 2026
Details
Libertyone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.81%
4050 Alpha Rd Ste 120, Farmers Branch, TX, 75244
New and Used Automobiles
4.55%
24 months
▼
APR4.55%
Term24 months
Last UpdatedMay 23, 2026
Details
Centex Citizens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
1404 E Milam St, Mexia, TX, 76667 2500
New Vehicles 22025 and Newer
4.59%
36 Months
▼
APR4.59%
Term36 Months
Last UpdatedMay 20, 2026
Details
As Low As
Keystone Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.20%
11877 County Road 492, Tyler, TX, 75706
New Vehicle
4.59%
60 Months
▼
APR4.59%
Term60 Months
Last UpdatedMay 20, 2026
Details
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.21%
4545 Hondo Pass Dr, El Paso, TX, 79904 1303
Used Auto Loan
4.59%
Up to 72 months
▼
APR4.59%
TermUp to 72 months
Last UpdatedMay 22, 2026
Details
As Low As; Loyalty Plus & Online Application Discount
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
American Airlines Credit Union, Fort Worth, TX, 76155
Used Auto
4.59%
60 Months
▼
APR4.59%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As; Up to 60 months
GECU Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.28%
7227 Viscount Blvd, El Paso, TX, 79925
Auto Loan
4.59%
66 Months
▼
APR4.59%
Term66 Months
Last UpdatedMay 23, 2026
Details
As Low As; Now-July 7
Cherokee County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.79%
145 FM 2972 W, RUSK, TX, 75785
Used Car Loan
4.60%
72 Months
▼
APR4.60%
Term72 Months
Last UpdatedMay 22, 2026
Details
As Low As; 72 months
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
2300 Texas Ave, Texas City, TX, 77590
New And Used Autos
4.64%
37 - 48
▼
APR4.64%
Term37 - 48
Last UpdatedMay 17, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
775 Gellhorn Dr, Houston, TX, 77029 1416
New Auto
4.64%
Up to 63 Months
▼
APR4.64%
TermUp to 63 Months
Last UpdatedMay 18, 2026
Details
Centex Citizens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
1404 E Milam St, Mexia, TX, 76667 2500
New Vehicles 22025-2027
4.64%
75 Months
▼
APR4.64%
Term75 Months
Last UpdatedMay 20, 2026
Details
As Low As
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
13649 Montfort Dr, Dallas, TX, 75240 2521
Auto Loans Refinance
4.64%
54 Months
▼
APR4.64%
Term54 Months
Last UpdatedMay 20, 2026
Details
As Low As
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
2901 Sens Rd, La Porte, TX, 77571
New & Used Autos
4.64%
66 - 74 Months
▼
APR4.64%
Term66 - 74 Months
Last UpdatedMay 22, 2026
Details
As Low As
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
2105 W Grande Blvd, Tyler, TX, 75703 0551
New Vehicle Loan
4.64%
60 Months
▼
APR4.64%
Term60 Months
Last UpdatedMay 22, 2026
Details
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
2501 S State Highway 121 BUS, Lewisville, TX, 75067 4394
Car Loans
4.65%
3 Months
▼
APR4.65%
Term3 Months
Last UpdatedMay 22, 2026
Details
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
2801 N 6th St, Abilene, TX, 79603
Used Auto Loans - Cars and Light Trucks 2018
4.65%
1 - 48
▼
APR4.65%
Term1 - 48
Last UpdatedMay 22, 2026
Details
Chocolate Bayou Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
1301 Highway 35 Byp N, Alvin, TX, 77511 2681
Auto Loan
4.67%
60 Months
▼
APR4.67%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
100 N Kimball Ave Ste 103, Southlake, TX, 76092 8024
New and Used Other Vehicle Loans
4.69%
84 months for $30,000 or more on boats, RVs, aircraft and motorcycle loans only
▼
APR4.69%
Term84 months for $30,000 or more on boats, RVs, aircraft and motorcycle loans only
Last UpdatedMay 20, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
1 Justice Park Dr, Houston, TX, 77092
Vehicle Loan
4.69%
Up to 24 months
▼
APR4.69%
TermUp to 24 months
Last UpdatedMay 21, 2026
Details
As Low As
Rockdale Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
1821 W Cameron Ave, Rockdale, TX, 76567
New Vehicles Loan
4.69%
48 Months
▼
APR4.69%
Term48 Months
Last UpdatedMay 22, 2026
Details
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
2501 S State Highway 121 BUS, Lewisville, TX, 75067 4394
car loans risk grade a++
4.70%
2 Months
▼
APR4.70%
Term2 Months
Last UpdatedMay 22, 2026
Details
2011 to 2015
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.33%
4849 N Mesa St, El Paso, TX, 79912
Auto Loans
4.74%
36 months
▼
APR4.74%
Term36 months
Last UpdatedMay 17, 2026
Details
As Low As; Qualified buyers: Take 90 days to make your first payment.
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.33%
4849 N Mesa St, El Paso, TX, 79912
Used Auto Loans
4.74%
36 months
▼
APR4.74%
Term36 months
Last UpdatedMay 17, 2026
Details
As Low As; Qualified buyers: Take 90 days to make your first payment.
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
2455 Stringer St, Brenham, TX, 77833
2019 - 2022 Used Vehicles
4.74%
Up to 48 Months
▼
APR4.74%
TermUp to 48 Months
Last UpdatedMay 20, 2026
Details
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
2455 Stringer St, Brenham, TX, 77833
2026 New Vehicles & Newer
4.74%
Up to 60 Months
▼
APR4.74%
TermUp to 60 Months
Last UpdatedMay 20, 2026
Details
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
13649 Montfort Dr, Dallas, TX, 75240 2521
Auto Loans Used
4.74%
72 Months
▼
APR4.74%
Term72 Months
Last UpdatedMay 20, 2026
Details
As Low As
Keystone Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.20%
11877 County Road 492, Tyler, TX, 75706
New Vehicle
4.74%
78 Months
▼
APR4.74%
Term78 Months
Last UpdatedMay 20, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX, 77073 5114
New Auto Loan
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedMay 20, 2026
Details
As Low As
Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.19%
17 S 1st St, Temple, TX, 76501 7603
Pre-Owned Auto
4.74%
60-month
▼
APR4.74%
Term60-month
Last UpdatedMay 20, 2026
Details
As Low As
TEXAS TECH
Institution Rating:
A5.0 ★ Texas Ratio: 3.51%
1802 Texas Tech Parkway, Lubbock, TX, 79409
New Auto Loan
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedMay 20, 2026
Details
TEXAS TECH
Institution Rating:
A5.0 ★ Texas Ratio: 3.51%
1802 Texas Tech Parkway, Lubbock, TX, 79409
Used Auto Loan
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMay 20, 2026
Details
Lubbock Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2802 York Ave Unit D, LUBBOCK, TX, 79407 2632
New Auto Loan
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedMay 22, 2026
Details
Lubbock Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2802 York Ave Unit D, LUBBOCK, TX, 79407 2632
Used Auto Loan
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMay 22, 2026
Details
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
24909 Kuykendahl Rd, Tomball, TX, 77375 3295
NEW Autos Up to 72 Months
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMay 20, 2026
Details
As Low As
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
24909 Kuykendahl Rd, Tomball, TX, 77375 3295
USED Autos Up to 60 Months
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMay 20, 2026
Details
As Low As
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
16597 Interstate 45 S, Conroe, TX, 77385
Auto Loan - New Vehicles
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMay 20, 2026
Details
Concho Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
1002 S Abe St, San Angelo, TX, 76903 7240
New Auto
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMay 20, 2026
Details
As Low As; Maximum Loan: 100%
Eastman Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.27%
304 Central Avenue, Longview, TX, 75602
New Auto
4.75%
36 - 120 months
▼
APR4.75%
Term36 - 120 months
Last UpdatedMay 20, 2026
Details
As Low As
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
2501 S State Highway 121 BUS, Lewisville, TX, 75067 4394
Car Loans
4.75%
4 Months
▼
APR4.75%
Term4 Months
Last UpdatedMay 22, 2026
Details
Healthcare Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
2601 Network Blvd, Frisco, TX, 75034
New Autos: 2025 - 2026, Demos < 10,000 Miles
4.75%
Up to 48 months
▼
APR4.75%
TermUp to 48 months
Last UpdatedMay 22, 2026
Details
Healthcare Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
2601 Network Blvd, Frisco, TX, 75034
Used Autos: 2017 - 2025
4.75%
Up to 48 months
▼
APR4.75%
TermUp to 48 months
Last UpdatedMay 22, 2026
Details
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
2801 N 6th St, Abilene, TX, 79603
Used Auto Loans - Cars and Light Trucks 2017
4.75%
1 - 42
▼
APR4.75%
Term1 - 42
Last UpdatedMay 22, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
676 Magnolia Ave, Port Neches, TX, 77651
New Auto Loan
4.75%
78 Months
▼
APR4.75%
Term78 Months
Last UpdatedMay 22, 2026
Details
As Low As
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
676 Magnolia Ave, Port Neches, TX, 77651
Used Auto Loan
4.75%
78 Months
▼
APR4.75%
Term78 Months
Last UpdatedMay 22, 2026
Details
As Low As; 2024 & newer
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
5211 E Parkway St, Groves, TX, 77619
New & Used Auto
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.62%
3505 Wildewood Dr, San Angelo, TX, 76904
New Automobiles & Light Trucks
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.62%
3505 Wildewood Dr, San Angelo, TX, 76904
Used Automobiles & Light Trucks
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As
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Texas 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%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
New Automobile (NA) A+ (800 0-36 Months
2.95%
36 Months
▼
APR2.95%
Term36 Months
Last UpdatedMay 22, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
506 W Lamar St, Sherman, TX, 75090 5840
New vehicles
2.99%
0-36
▼
APR2.99%
Term0-36
Last UpdatedMay 20, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
506 W Lamar St, Sherman, TX, 75090 5840
New vehicles: 0-36 months
2.99%
36 Months
▼
APR2.99%
Term36 Months
Last UpdatedMay 20, 2026
Details
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
18211 Katy Fwy, Houston, TX, 77094 1395
New and Pre-Owned Autos
3.24%
12-36
▼
APR3.24%
Term12-36
Last UpdatedMay 20, 2026
Details
As Low As
Lubrizol Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.17%
205 Center St, Deer Park, TX, 77536 2735
New & Used Automobile
3.24%
24 Months
▼
APR3.24%
Term24 Months
Last UpdatedMay 23, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
American Airlines Credit Union, Fort Worth, TX, 76155
New Auto
3.34%
36 Months
▼
APR3.34%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As; Up to 36 Months
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
2901 Sens Rd, La Porte, TX, 77571
New & Used Autos
3.39%
Up to 36 Months
▼
APR3.39%
TermUp to 36 Months
Last UpdatedMay 22, 2026
Details
As Low As
USE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.86%
400 S Akard St, Dallas, TX, 75202 5324
New & Used Autos
3.49%
72 Months
▼
APR3.49%
Term72 Months
Last UpdatedMay 17, 2026
Details
As Low As
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
2900 Decker Dr, Baytown, TX, 77520 2076
New Autos
3.49%
36 Months
▼
APR3.49%
Term36 Months
Last UpdatedMay 20, 2026
Details
As Low As; Fewer than 7,500 miles
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
676 Magnolia Ave, Port Neches, TX, 77651
New Auto Loan
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As
Victoria City County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
205 N Bridge St Ste 111, Victoria, TX, 77901
New & Used Auto Loans
3.56%
36 to 72** Months
▼
APR3.56%
Term36 to 72** Months
Last UpdatedMay 22, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
100 N Kimball Ave Ste 103, Southlake, TX, 76092 8024
New and Used Other Vehicle Loans
3.69%
Up to 12 months
▼
APR3.69%
TermUp to 12 months
Last UpdatedMay 20, 2026
Details
Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
183 E Price Rd, Brownsville, TX, 78521
New Auto Loan
3.70%
75 Months
▼
APR3.70%
Term75 Months
Last UpdatedMay 17, 2026
Details
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles
3.73%
36 Months
▼
APR3.73%
Term36 Months
Last UpdatedMay 20, 2026
Details
As Low As; Year Models - 2020 & Newer; Up to 36 Months
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
676 Magnolia Ave, Port Neches, TX, 77651
New Auto Loan
3.75%
48 Months
▼
APR3.75%
Term48 Months
Last UpdatedMay 22, 2026
Details
As Low As
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles
3.80%
48 Months
▼
APR3.80%
Term48 Months
Last UpdatedMay 20, 2026
Details
As Low As; Year Models - 2021 & Newer; 37 - 48 Months
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles
3.86%
60 Months
▼
APR3.86%
Term60 Months
Last UpdatedMay 20, 2026
Details
As Low As; Year Models - 2022 & Newer; 49 - 60 Months
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
2901 Sens Rd, La Porte, TX, 77571
New & Used Autos
3.89%
37-48 Months
▼
APR3.89%
Term37-48 Months
Last UpdatedMay 22, 2026
Details
As Low As
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
2801 N 6th St, Abilene, TX, 79603
New Auto Loans - Cars and Light Trucks
3.90%
1 - 84 months
▼
APR3.90%
Term1 - 84 months
Last UpdatedMay 22, 2026
Details
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles
3.92%
72 Months
▼
APR3.92%
Term72 Months
Last UpdatedMay 20, 2026
Details
As Low As; Year Models - 2023 & Newer; 61 - 72 Months
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
12611 Fuqua St, Houston, TX, 77034
Auto Loans - Used & New
3.94%
0-36
▼
APR3.94%
Term0-36
Last UpdatedMay 20, 2026
Details
As Low As
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
New Automobile (NA) A (720-799) 0-36 Months
3.95%
36 Months
▼
APR3.95%
Term36 Months
Last UpdatedMay 22, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
New Automobile (NA) A+ (800 37-60 Months
3.95%
60 Months
▼
APR3.95%
Term60 Months
Last UpdatedMay 22, 2026
Details
Domino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
9978 FM 3129, Queen City, TX, 75572
New and Used Autos
3.95%
36 Months
▼
APR3.95%
Term36 Months
Last UpdatedMay 22, 2026
Details
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles
3.98%
84 Months
▼
APR3.98%
Term84 Months
Last UpdatedMay 20, 2026
Details
As Low As; Year Models - 2025 & Newer; 73 - 84 Months
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
24909 Kuykendahl Rd, Tomball, TX, 77375 3295
NEW Autos Up to 36 Months
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 20, 2026
Details
As Low As
The State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.54%
6160 WARREN PKWY STE 500, FRISCO, TX, 75034 9673
New Automotive
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 20, 2026
Details
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
13649 Montfort Dr, Dallas, TX, 75240 2521
New Auto Loans
3.99%
54 Months
▼
APR3.99%
Term54 Months
Last UpdatedMay 20, 2026
Details
As Low As
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedMay 20, 2026
Details
As Low As
Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.19%
17 S 1st St, Temple, TX, 76501 7603
New Auto
3.99%
36-month
▼
APR3.99%
Term36-month
Last UpdatedMay 20, 2026
Details
As Low As
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
506 W Lamar St, Sherman, TX, 75090 5840
New vehicles
3.99%
37-48
▼
APR3.99%
Term37-48
Last UpdatedMay 20, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
506 W Lamar St, Sherman, TX, 75090 5840
New vehicles: 37-48 months
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedMay 20, 2026
Details
Rockdale Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
1821 W Cameron Ave, Rockdale, TX, 76567
New Vehicles Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 22, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
14090 Southwest Fwy Ste 260, Sugar Land, TX, 77478 3678
New Auto Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As; - Up to $250,000; Qualifying rate - Conditions apply
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2610 Network Blvd Ste 600, Frisco, TX, 75034 6009
New Cars and Trucks
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedMay 17, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
16597 Interstate 45 S, Conroe, TX, 77385
Auto Loan - New Vehicles
4.00%
24 Months
▼
APR4.00%
Term24 Months
Last UpdatedMay 20, 2026
Details
Concho Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
1002 S Abe St, San Angelo, TX, 76903 7240
New Auto
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedMay 20, 2026
Details
As Low As; Maximum Loan: 100%
Service 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
10001 Jack Finney Blvd, Greenville, TX, 75402
New Vehicle
4.00%
94 Months
▼
APR4.00%
Term94 Months
Last UpdatedMay 20, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
676 Magnolia Ave, Port Neches, TX, 77651
New Auto Loan
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
5211 E Parkway St, Groves, TX, 77619
New & Used Auto
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.62%
3505 Wildewood Dr, San Angelo, TX, 76904
New Automobiles & Light Trucks
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As
Energy Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.19%
18540 Northwest Fwy, Houston, TX, 77065
New Autos
4.00%
48 - 84
▼
APR4.00%
Term48 - 84
Last UpdatedMay 23, 2026
Details
As Low As
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
100 Dominion Park Dr, Houston, TX, 77090 6716
Auto Loans (New & Used)
4.05%
36 Months
▼
APR4.05%
Term36 Months
Last UpdatedMay 17, 2026
Details
As Low As; 2019-2025 Model Years
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
American Airlines Credit Union, Fort Worth, TX, 76155
New Auto
4.09%
60 Months
▼
APR4.09%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As; Up to 60 months
Mesquite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
1510 N Galloway Ave, Mesquite, TX, 75149
New and Used Vehicles
4.10%
Up to 72 Months
▼
APR4.10%
TermUp to 72 Months
Last UpdatedMay 20, 2026
Details
As Low As
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
16597 Interstate 45 S, Conroe, TX, 77385
Auto Loan - New Vehicles
4.12%
36 Months
▼
APR4.12%
Term36 Months
Last UpdatedMay 20, 2026
Details
Memorial Credit Union Houston, TX
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
7789 Southwest fwy Ste 175, Houston, TX, 77074 1831
New Autos
4.14%
84 Months
▼
APR4.14%
Term84 Months
Last UpdatedMay 10, 2026
Details
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
12611 Fuqua St, Houston, TX, 77034
Auto Loans - Used & New
4.14%
49-60
▼
APR4.14%
Term49-60
Last UpdatedMay 20, 2026
Details
As Low As
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
100 N Kimball Ave Ste 103, Southlake, TX, 76092 8024
New and Used Other Vehicle Loans
4.19%
72 months for $20,000 or more on boats, RVs, aircraft and motorcycle loans only
▼
APR4.19%
Term72 months for $20,000 or more on boats, RVs, aircraft and motorcycle loans only
Last UpdatedMay 20, 2026
Details
Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.19%
17 S 1st St, Temple, TX, 76501 7603
New Auto
4.24%
60-month
▼
APR4.24%
Term60-month
Last UpdatedMay 20, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
3301 Airport Fwy Ste 175, Bedford, TX, 76021 6123
New & Used Autos
4.24%
24 Months
▼
APR4.24%
Term24 Months
Last UpdatedMay 23, 2026
Details
As Low As
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
24909 Kuykendahl Rd, Tomball, TX, 77375 3295
NEW Autos Up to 48 Months
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMay 20, 2026
Details
As Low As
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
16597 Interstate 45 S, Conroe, TX, 77385
Auto Loan - New Vehicles
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMay 20, 2026
Details
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
2736 Nall St, Port Neches, TX, 77651 5204
New Auto Loans
4.25%
0-24
▼
APR4.25%
Term0-24
Last UpdatedMay 20, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
16320 Kensington Dr, Sugar Land, TX, 77479 4097
New Automobile Loan
4.25%
Up to 36
▼
APR4.25%
TermUp to 36
Last UpdatedMay 22, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
14090 Southwest Fwy Ste 260, Sugar Land, TX, 77478 3678
New Auto Loan
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMay 22, 2026
Details
As Low As; - Up to $250,000; Qualifying rate - Conditions apply
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
12611 Fuqua St, Houston, TX, 77034
Auto Loans - Used & New
4.29%
61-72
▼
APR4.29%
Term61-72
Last UpdatedMay 20, 2026
Details
As Low As
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
2900 Decker Dr, Baytown, TX, 77520 2076
New Autos
4.29%
48 Months
▼
APR4.29%
Term48 Months
Last UpdatedMay 20, 2026
Details
As Low As; Fewer than 7,500 miles
The Peoples Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.36%
7200 Hillside Rd, Amarillo, TX, 79109 7460
New & Used Vehicles Loan
4.29%
3 Months
▼
APR4.29%
Term3 Months
Last UpdatedMay 22, 2026
Details
As Low As; Rate includes both discounts
Cherokee County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.79%
145 FM 2972 W, RUSK, TX, 75785
New Car Loan
4.35%
84 Months
▼
APR4.35%
Term84 Months
Last UpdatedMay 22, 2026
Details
As Low As; 84 months
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
1 Valero Way, San Antonio, TX, 78249 1616
New & Used Vehicles Loan
4.35%
60 Months
▼
APR4.35%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
16597 Interstate 45 S, Conroe, TX, 77385
Auto Loan - New Vehicles
4.38%
60 Months
▼
APR4.38%
Term60 Months
Last UpdatedMay 20, 2026
Details
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
2300 Texas Ave, Texas City, TX, 77590
New And Used Autos
4.39%
Up to 36
▼
APR4.39%
TermUp to 36
Last UpdatedMay 17, 2026
Details
As Low As
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
2901 Sens Rd, La Porte, TX, 77571
New & Used Autos
4.39%
49 - 65 Months
▼
APR4.39%
Term49 - 65 Months
Last UpdatedMay 22, 2026
Details
As Low As
Southwest Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.85%
1750 Valley View Ln Ste 110, Farmers Branch, TX, 75234 9024
New Auto
4.39%
72 Months
▼
APR4.39%
Term72 Months
Last UpdatedMay 22, 2026
Details
As Low As
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.77%
2421 Westport Pkwy Ste 1300, Fort Worth, TX, 76177 5311
NEW Auto Loan
4.40%
36 Months
▼
APR4.40%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As
Swemp Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
601 OLIVE ST, TEXARKANA, TX, 75501
New Autos
4.45%
Up to 84 Months
▼
APR4.45%
TermUp to 84 Months
Last UpdatedMay 22, 2026
Details
As Low As
Texasgulf Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
2101 N Fulton st, Wharton, TX, 77488
New or used vehicle
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMay 17, 2026
Details
As Low As; New or used vehicle up to 36 months.
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
2455 Stringer St, Brenham, TX, 77833
2026 New Vehicles & Newer
4.49%
Up to 48-54 Months
▼
APR4.49%
TermUp to 48-54 Months
Last UpdatedMay 20, 2026
Details
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
24909 Kuykendahl Rd, Tomball, TX, 77375 3295
NEW Autos Up to 60 Months
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMay 20, 2026
Details
As Low As
Germania Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
PO Box 645, Brenham, TX, 77834 0645
New Vehicle
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMay 20, 2026
Details
As Low As; Up to 125% of MSRP with approved credit.
Access Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.08%
6401 Bell St, Amarillo, TX, 79109
New Vehicles - 5 years and newer**
4.49%
24 to 36
▼
APR4.49%
Term24 to 36
Last UpdatedMay 20, 2026
Details
Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.57%
4800 GROVER AVE, AUSTIN, TX, 78756
New and Used Vehicles
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMay 20, 2026
Details
As Low As; Up to 48 Months
City Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
7474 Ferguson Rd, Dallas, TX, 75228
New or Used Auto Loans
4.49%
24 Months
▼
APR4.49%
Term24 Months
Last UpdatedMay 20, 2026
Details
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
13649 Montfort Dr, Dallas, TX, 75240 2521
New Auto Loans
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedMay 20, 2026
Details
As Low As
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto
4.49%
Up to 48 months
▼
APR4.49%
TermUp to 48 months
Last UpdatedMay 20, 2026
Details
As Low As
Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.19%
17 S 1st St, Temple, TX, 76501 7603
New Auto
4.49%
72-month
▼
APR4.49%
Term72-month
Last UpdatedMay 20, 2026
Details
As Low As
TEXAS TECH
Institution Rating:
A5.0 ★ Texas Ratio: 3.51%
1802 Texas Tech Parkway, Lubbock, TX, 79409
New Auto Loan
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMay 20, 2026
Details
Lubbock Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2802 York Ave Unit D, LUBBOCK, TX, 79407 2632
New Auto Loan
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMay 22, 2026
Details
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
2105 W Grande Blvd, Tyler, TX, 75703 0551
New Vehicle Loan
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMay 22, 2026
Details
Domino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
9978 FM 3129, Queen City, TX, 75572
New and Used Autos
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedMay 22, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
3301 Airport Fwy Ste 175, Bedford, TX, 76021 6123
New & Used Autos
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMay 23, 2026
Details
As Low As
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2610 Network Blvd Ste 600, Frisco, TX, 75034 6009
New Cars and Trucks
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedMay 17, 2026
Details
Concho Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
1002 S Abe St, San Angelo, TX, 76903 7240
New Auto
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedMay 20, 2026
Details
As Low As; Maximum Loan: 100%
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
2736 Nall St, Port Neches, TX, 77651 5204
New Auto Loans
4.50%
49-60
▼
APR4.50%
Term49-60
Last UpdatedMay 20, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
676 Magnolia Ave, Port Neches, TX, 77651
New Auto Loan
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedMay 22, 2026
Details
As Low As
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
5211 E Parkway St, Groves, TX, 77619
New & Used Auto
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedMay 22, 2026
Details
As Low As
Port Arthur Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
3001 JIMMY JOHNSON BLVD, PORT ARTHUR, TX, 77642
New Car Loan
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedMay 22, 2026
Details
up to 60 month financing available
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
16320 Kensington Dr, Sugar Land, TX, 77479 4097
New Automobile Loan
4.50%
37 - 48
▼
APR4.50%
Term37 - 48
Last UpdatedMay 22, 2026
Details
As Low As
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto(Max Term 72m)/Used Auto(Max Term 60m) - 730+ - A+
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedMay 22, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
14090 Southwest Fwy Ste 260, Sugar Land, TX, 77478 3678
New Auto Loan
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As; - Up to $250,000; Qualifying rate - Conditions apply
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
2300 Texas Ave, Texas City, TX, 77590
New And Used Autos
4.54%
49 - 60
▼
APR4.54%
Term49 - 60
Last UpdatedMay 17, 2026
Details
As Low As
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
2900 Decker Dr, Baytown, TX, 77520 2076
New Autos
4.54%
71 Months
▼
APR4.54%
Term71 Months
Last UpdatedMay 20, 2026
Details
As Low As; Fewer than 7,500 miles
Libertyone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.81%
4050 Alpha Rd Ste 120, Farmers Branch, TX, 75244
New and Used Automobiles
4.55%
24 months
▼
APR4.55%
Term24 months
Last UpdatedMay 23, 2026
Details
Centex Citizens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
1404 E Milam St, Mexia, TX, 76667 2500
New Vehicles 22025 and Newer
4.59%
36 Months
▼
APR4.59%
Term36 Months
Last UpdatedMay 20, 2026
Details
As Low As
Keystone Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.20%
11877 County Road 492, Tyler, TX, 75706
New Vehicle
4.59%
60 Months
▼
APR4.59%
Term60 Months
Last UpdatedMay 20, 2026
Details
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
2300 Texas Ave, Texas City, TX, 77590
New And Used Autos
4.64%
37 - 48
▼
APR4.64%
Term37 - 48
Last UpdatedMay 17, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
775 Gellhorn Dr, Houston, TX, 77029 1416
New Auto
4.64%
Up to 63 Months
▼
APR4.64%
TermUp to 63 Months
Last UpdatedMay 18, 2026
Details
Centex Citizens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
1404 E Milam St, Mexia, TX, 76667 2500
New Vehicles 22025-2027
4.64%
75 Months
▼
APR4.64%
Term75 Months
Last UpdatedMay 20, 2026
Details
As Low As
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
2901 Sens Rd, La Porte, TX, 77571
New & Used Autos
4.64%
66 - 74 Months
▼
APR4.64%
Term66 - 74 Months
Last UpdatedMay 22, 2026
Details
As Low As
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
2105 W Grande Blvd, Tyler, TX, 75703 0551
New Vehicle Loan
4.64%
60 Months
▼
APR4.64%
Term60 Months
Last UpdatedMay 22, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
100 N Kimball Ave Ste 103, Southlake, TX, 76092 8024
New and Used Other Vehicle Loans
4.69%
84 months for $30,000 or more on boats, RVs, aircraft and motorcycle loans only
▼
APR4.69%
Term84 months for $30,000 or more on boats, RVs, aircraft and motorcycle loans only
Last UpdatedMay 20, 2026
Details
Rockdale Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
1821 W Cameron Ave, Rockdale, TX, 76567
New Vehicles Loan
4.69%
48 Months
▼
APR4.69%
Term48 Months
Last UpdatedMay 22, 2026
Details
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
2455 Stringer St, Brenham, TX, 77833
2026 New Vehicles & Newer
4.74%
Up to 60 Months
▼
APR4.74%
TermUp to 60 Months
Last UpdatedMay 20, 2026
Details
Keystone Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.20%
11877 County Road 492, Tyler, TX, 75706
New Vehicle
4.74%
78 Months
▼
APR4.74%
Term78 Months
Last UpdatedMay 20, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX, 77073 5114
New Auto Loan
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedMay 20, 2026
Details
As Low As
TEXAS TECH
Institution Rating:
A5.0 ★ Texas Ratio: 3.51%
1802 Texas Tech Parkway, Lubbock, TX, 79409
New Auto Loan
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedMay 20, 2026
Details
Lubbock Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2802 York Ave Unit D, LUBBOCK, TX, 79407 2632
New Auto Loan
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedMay 22, 2026
Details
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
24909 Kuykendahl Rd, Tomball, TX, 77375 3295
NEW Autos Up to 72 Months
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMay 20, 2026
Details
As Low As
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
16597 Interstate 45 S, Conroe, TX, 77385
Auto Loan - New Vehicles
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMay 20, 2026
Details
Concho Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
1002 S Abe St, San Angelo, TX, 76903 7240
New Auto
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMay 20, 2026
Details
As Low As; Maximum Loan: 100%
Eastman Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.27%
304 Central Avenue, Longview, TX, 75602
New Auto
4.75%
36 - 120 months
▼
APR4.75%
Term36 - 120 months
Last UpdatedMay 20, 2026
Details
As Low As
Healthcare Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
2601 Network Blvd, Frisco, TX, 75034
New Autos: 2025 - 2026, Demos < 10,000 Miles
4.75%
Up to 48 months
▼
APR4.75%
TermUp to 48 months
Last UpdatedMay 22, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
676 Magnolia Ave, Port Neches, TX, 77651
New Auto Loan
4.75%
78 Months
▼
APR4.75%
Term78 Months
Last UpdatedMay 22, 2026
Details
As Low As
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
5211 E Parkway St, Groves, TX, 77619
New & Used Auto
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.62%
3505 Wildewood Dr, San Angelo, TX, 76904
New Automobiles & Light Trucks
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As
Powered by
MonitorBankRates
Texas Used Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
Pre-Owned (Used) Automobile (UA)
2.95%
0-36
▼
APR2.95%
Term0-36
Last UpdatedMay 22, 2026
Details
Grade: A+ (800+)
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
18211 Katy Fwy, Houston, TX, 77094 1395
New and Pre-Owned Autos
3.24%
12-36
▼
APR3.24%
Term12-36
Last UpdatedMay 20, 2026
Details
As Low As
Lubrizol Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.17%
205 Center St, Deer Park, TX, 77536 2735
New & Used Automobile
3.24%
24 Months
▼
APR3.24%
Term24 Months
Last UpdatedMay 23, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
2901 Sens Rd, La Porte, TX, 77571
New & Used Autos
3.39%
Up to 36 Months
▼
APR3.39%
TermUp to 36 Months
Last UpdatedMay 22, 2026
Details
As Low As
USE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.86%
400 S Akard St, Dallas, TX, 75202 5324
New & Used Autos
3.49%
72 Months
▼
APR3.49%
Term72 Months
Last UpdatedMay 17, 2026
Details
As Low As
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
2900 Decker Dr, Baytown, TX, 77520 2076
Used Autos
3.49%
36 Months
▼
APR3.49%
Term36 Months
Last UpdatedMay 20, 2026
Details
As Low As; Fewer than 100,000 miles
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
676 Magnolia Ave, Port Neches, TX, 77651
Used Auto Loan
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As; All model years
Victoria City County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
205 N Bridge St Ste 111, Victoria, TX, 77901
New & Used Auto Loans
3.56%
36 to 72** Months
▼
APR3.56%
Term36 to 72** Months
Last UpdatedMay 22, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
100 N Kimball Ave Ste 103, Southlake, TX, 76092 8024
New and Used Other Vehicle Loans
3.69%
Up to 12 months
▼
APR3.69%
TermUp to 12 months
Last UpdatedMay 20, 2026
Details
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles
3.73%
36 Months
▼
APR3.73%
Term36 Months
Last UpdatedMay 20, 2026
Details
As Low As; Year Models - 2020 & Newer; Up to 36 Months
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
676 Magnolia Ave, Port Neches, TX, 77651
Used Auto Loan
3.75%
48 Months
▼
APR3.75%
Term48 Months
Last UpdatedMay 22, 2026
Details
As Low As; All model years
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles
3.80%
48 Months
▼
APR3.80%
Term48 Months
Last UpdatedMay 20, 2026
Details
As Low As; Year Models - 2021 & Newer; 37 - 48 Months
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
American Airlines Credit Union, Fort Worth, TX, 76155
Used Auto
3.84%
36 Months
▼
APR3.84%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As; Up to 36 Months
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles
3.86%
60 Months
▼
APR3.86%
Term60 Months
Last UpdatedMay 20, 2026
Details
As Low As; Year Models - 2022 & Newer; 49 - 60 Months
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
2901 Sens Rd, La Porte, TX, 77571
New & Used Autos
3.89%
37-48 Months
▼
APR3.89%
Term37-48 Months
Last UpdatedMay 22, 2026
Details
As Low As
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
2801 N 6th St, Abilene, TX, 79603
Used Auto Loans - Cars and Light Trucks 2024
3.90%
1 - 84
▼
APR3.90%
Term1 - 84
Last UpdatedMay 22, 2026
Details
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
2801 N 6th St, Abilene, TX, 79603
Used Auto Loans - Cars and Light Trucks 2025
3.90%
1 - 84
▼
APR3.90%
Term1 - 84
Last UpdatedMay 22, 2026
Details
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles
3.92%
72 Months
▼
APR3.92%
Term72 Months
Last UpdatedMay 20, 2026
Details
As Low As; Year Models - 2023 & Newer; 61 - 72 Months
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
12611 Fuqua St, Houston, TX, 77034
Auto Loans - Used & New
3.94%
0-36
▼
APR3.94%
Term0-36
Last UpdatedMay 20, 2026
Details
As Low As
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
Pre-Owned (Used) Automobile (UA)
3.95%
37-60
▼
APR3.95%
Term37-60
Last UpdatedMay 22, 2026
Details
Grade: A+ (800+)
Domino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
9978 FM 3129, Queen City, TX, 75572
New and Used Autos
3.95%
36 Months
▼
APR3.95%
Term36 Months
Last UpdatedMay 22, 2026
Details
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles
3.98%
84 Months
▼
APR3.98%
Term84 Months
Last UpdatedMay 20, 2026
Details
As Low As; Year Models - 2025 & Newer; 73 - 84 Months
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX, 77087 1109
Used or Refinanced Car Loans
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 20, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
14090 Southwest Fwy Ste 260, Sugar Land, TX, 77478 3678
Used Auto Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As; - Up to $250,000 (Up to 5 Years old / 2021+)
Concho Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
1002 S Abe St, San Angelo, TX, 76903 7240
Used Autos
4.00%
24 Months
▼
APR4.00%
Term24 Months
Last UpdatedMay 20, 2026
Details
As Low As; Maximum Loan: NADA RETAIL VALUE
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
676 Magnolia Ave, Port Neches, TX, 77651
Used Auto Loan
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As; 2020 & newer
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
5211 E Parkway St, Groves, TX, 77619
New & Used Auto
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.62%
3505 Wildewood Dr, San Angelo, TX, 76904
Used Automobiles & Light Trucks
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As
Energy Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.19%
18540 Northwest Fwy, Houston, TX, 77065
Used Autos
4.00%
48 - 84
▼
APR4.00%
Term48 - 84
Last UpdatedMay 23, 2026
Details
As Low As
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
100 Dominion Park Dr, Houston, TX, 77090 6716
Auto Loans (New & Used)
4.05%
36 Months
▼
APR4.05%
Term36 Months
Last UpdatedMay 17, 2026
Details
As Low As; 2019-2025 Model Years
Mesquite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
1510 N Galloway Ave, Mesquite, TX, 75149
New and Used Vehicles
4.10%
Up to 72 Months
▼
APR4.10%
TermUp to 72 Months
Last UpdatedMay 20, 2026
Details
As Low As
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
12611 Fuqua St, Houston, TX, 77034
Auto Loans - Used & New
4.14%
49-60
▼
APR4.14%
Term49-60
Last UpdatedMay 20, 2026
Details
As Low As
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
2801 N 6th St, Abilene, TX, 79603
Used Auto Loans - Cars and Light Trucks 2023
4.15%
1 - 78
▼
APR4.15%
Term1 - 78
Last UpdatedMay 22, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
100 N Kimball Ave Ste 103, Southlake, TX, 76092 8024
New and Used Other Vehicle Loans
4.19%
72 months for $20,000 or more on boats, RVs, aircraft and motorcycle loans only
▼
APR4.19%
Term72 months for $20,000 or more on boats, RVs, aircraft and motorcycle loans only
Last UpdatedMay 20, 2026
Details
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
2455 Stringer St, Brenham, TX, 77833
2023-2025 Used Vehicles
4.24%
Up to 48 Months
▼
APR4.24%
TermUp to 48 Months
Last UpdatedMay 20, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
3301 Airport Fwy Ste 175, Bedford, TX, 76021 6123
New & Used Autos
4.24%
24 Months
▼
APR4.24%
Term24 Months
Last UpdatedMay 23, 2026
Details
As Low As
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
24909 Kuykendahl Rd, Tomball, TX, 77375 3295
USED Autos Up to 36 Months
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedMay 20, 2026
Details
As Low As
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
2736 Nall St, Port Neches, TX, 77651 5204
Used Auto Loans
4.25%
0-24
▼
APR4.25%
Term0-24
Last UpdatedMay 20, 2026
Details
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
2801 N 6th St, Abilene, TX, 79603
Used Auto Loans - Cars and Light Trucks 2022
4.25%
1 - 72
▼
APR4.25%
Term1 - 72
Last UpdatedMay 22, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
16320 Kensington Dr, Sugar Land, TX, 77479 4097
Used Automobile Loan
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As; Up to 36 Months
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
14090 Southwest Fwy Ste 260, Sugar Land, TX, 77478 3678
Used Auto Loan
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMay 22, 2026
Details
As Low As; - Up to $250,000 (Up to 5 Years old / 2021+)
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
12611 Fuqua St, Houston, TX, 77034
Auto Loans - Used & New
4.29%
61-72
▼
APR4.29%
Term61-72
Last UpdatedMay 20, 2026
Details
As Low As
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
2900 Decker Dr, Baytown, TX, 77520 2076
Used Autos
4.29%
48 Months
▼
APR4.29%
Term48 Months
Last UpdatedMay 20, 2026
Details
As Low As; Fewer than 100,000 miles
The Peoples Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.36%
7200 Hillside Rd, Amarillo, TX, 79109 7460
New & Used Vehicles Loan
4.29%
3 Months
▼
APR4.29%
Term3 Months
Last UpdatedMay 22, 2026
Details
As Low As; Rate includes both discounts
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
2801 N 6th St, Abilene, TX, 79603
Used Auto Loans - Cars and Light Trucks 2021
4.35%
1 - 66
▼
APR4.35%
Term1 - 66
Last UpdatedMay 22, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
1 Valero Way, San Antonio, TX, 78249 1616
New & Used Vehicles Loan
4.35%
60 Months
▼
APR4.35%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
2300 Texas Ave, Texas City, TX, 77590
New And Used Autos
4.39%
Up to 36
▼
APR4.39%
TermUp to 36
Last UpdatedMay 17, 2026
Details
As Low As
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
2901 Sens Rd, La Porte, TX, 77571
New & Used Autos
4.39%
49 - 65 Months
▼
APR4.39%
Term49 - 65 Months
Last UpdatedMay 22, 2026
Details
As Low As
Southwest Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.85%
1750 Valley View Ln Ste 110, Farmers Branch, TX, 75234 9024
Used Auto
4.39%
72 Months
▼
APR4.39%
Term72 Months
Last UpdatedMay 22, 2026
Details
As Low As
Swemp Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
601 OLIVE ST, TEXARKANA, TX, 75501
Pre-Owned Autos
4.45%
Up to 84 Months
▼
APR4.45%
TermUp to 84 Months
Last UpdatedMay 22, 2026
Details
As Low As
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
2801 N 6th St, Abilene, TX, 79603
Used Auto Loans - Cars and Light Trucks 2020
4.45%
1 - 60
▼
APR4.45%
Term1 - 60
Last UpdatedMay 22, 2026
Details
Texasgulf Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
2101 N Fulton st, Wharton, TX, 77488
New or used vehicle
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMay 17, 2026
Details
As Low As; New or used vehicle up to 36 months.
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
2455 Stringer St, Brenham, TX, 77833
2023-2025 Used Vehicles
4.49%
Up to 72 Months
▼
APR4.49%
TermUp to 72 Months
Last UpdatedMay 20, 2026
Details
Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.57%
4800 GROVER AVE, AUSTIN, TX, 78756
New and Used Vehicles
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMay 20, 2026
Details
As Low As; Up to 48 Months
City Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
7474 Ferguson Rd, Dallas, TX, 75228
New or Used Auto Loans
4.49%
24 Months
▼
APR4.49%
Term24 Months
Last UpdatedMay 20, 2026
Details
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
13649 Montfort Dr, Dallas, TX, 75240 2521
Auto Loans Used
4.49%
54 Months
▼
APR4.49%
Term54 Months
Last UpdatedMay 20, 2026
Details
As Low As
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX, 77087 1109
Used or Refinanced Car Loans
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMay 20, 2026
Details
As Low As
Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.19%
17 S 1st St, Temple, TX, 76501 7603
Pre-Owned Auto
4.49%
36-month
▼
APR4.49%
Term36-month
Last UpdatedMay 20, 2026
Details
As Low As
Domino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
9978 FM 3129, Queen City, TX, 75572
New and Used Autos
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedMay 22, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
3301 Airport Fwy Ste 175, Bedford, TX, 76021 6123
New & Used Autos
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMay 23, 2026
Details
As Low As
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2610 Network Blvd Ste 600, Frisco, TX, 75034 6009
Used Cars and Trucks
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedMay 17, 2026
Details
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
24909 Kuykendahl Rd, Tomball, TX, 77375 3295
USED Autos Up to 48 Months
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedMay 20, 2026
Details
As Low As
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
2736 Nall St, Port Neches, TX, 77651 5204
Used Auto Loans
4.50%
49-60
▼
APR4.50%
Term49-60
Last UpdatedMay 20, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
676 Magnolia Ave, Port Neches, TX, 77651
Used Auto Loan
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedMay 22, 2026
Details
As Low As; 2022 & newer
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
5211 E Parkway St, Groves, TX, 77619
New & Used Auto
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedMay 22, 2026
Details
As Low As
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
16320 Kensington Dr, Sugar Land, TX, 77479 4097
Used Automobile Loan
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedMay 22, 2026
Details
As Low As; 37 - 48 Months
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto(Max Term 72m)/Used Auto(Max Term 60m) - 730+ - A+
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedMay 22, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
14090 Southwest Fwy Ste 260, Sugar Land, TX, 77478 3678
Used Auto Loan
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As; - Up to $250,000 (Up to 5 Years old / 2021+)
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
2300 Texas Ave, Texas City, TX, 77590
New And Used Autos
4.54%
49 - 60
▼
APR4.54%
Term49 - 60
Last UpdatedMay 17, 2026
Details
As Low As
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
2900 Decker Dr, Baytown, TX, 77520 2076
Used Autos
4.54%
71 Months
▼
APR4.54%
Term71 Months
Last UpdatedMay 20, 2026
Details
As Low As; Fewer than 100,000 miles
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
2801 N 6th St, Abilene, TX, 79603
Used Auto Loans - Cars and Light Trucks 2019
4.55%
1 - 54
▼
APR4.55%
Term1 - 54
Last UpdatedMay 22, 2026
Details
Libertyone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.81%
4050 Alpha Rd Ste 120, Farmers Branch, TX, 75244
New and Used Automobiles
4.55%
24 months
▼
APR4.55%
Term24 months
Last UpdatedMay 23, 2026
Details
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.21%
4545 Hondo Pass Dr, El Paso, TX, 79904 1303
Used Auto Loan
4.59%
Up to 72 months
▼
APR4.59%
TermUp to 72 months
Last UpdatedMay 22, 2026
Details
As Low As; Loyalty Plus & Online Application Discount
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
American Airlines Credit Union, Fort Worth, TX, 76155
Used Auto
4.59%
60 Months
▼
APR4.59%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As; Up to 60 months
Cherokee County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.79%
145 FM 2972 W, RUSK, TX, 75785
Used Car Loan
4.60%
72 Months
▼
APR4.60%
Term72 Months
Last UpdatedMay 22, 2026
Details
As Low As; 72 months
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
2300 Texas Ave, Texas City, TX, 77590
New And Used Autos
4.64%
37 - 48
▼
APR4.64%
Term37 - 48
Last UpdatedMay 17, 2026
Details
As Low As
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
2901 Sens Rd, La Porte, TX, 77571
New & Used Autos
4.64%
66 - 74 Months
▼
APR4.64%
Term66 - 74 Months
Last UpdatedMay 22, 2026
Details
As Low As
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
2801 N 6th St, Abilene, TX, 79603
Used Auto Loans - Cars and Light Trucks 2018
4.65%
1 - 48
▼
APR4.65%
Term1 - 48
Last UpdatedMay 22, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
100 N Kimball Ave Ste 103, Southlake, TX, 76092 8024
New and Used Other Vehicle Loans
4.69%
84 months for $30,000 or more on boats, RVs, aircraft and motorcycle loans only
▼
APR4.69%
Term84 months for $30,000 or more on boats, RVs, aircraft and motorcycle loans only
Last UpdatedMay 20, 2026
Details
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.33%
4849 N Mesa St, El Paso, TX, 79912
Used Auto Loans
4.74%
36 months
▼
APR4.74%
Term36 months
Last UpdatedMay 17, 2026
Details
As Low As; Qualified buyers: Take 90 days to make your first payment.
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
2455 Stringer St, Brenham, TX, 77833
2019 - 2022 Used Vehicles
4.74%
Up to 48 Months
▼
APR4.74%
TermUp to 48 Months
Last UpdatedMay 20, 2026
Details
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
13649 Montfort Dr, Dallas, TX, 75240 2521
Auto Loans Used
4.74%
72 Months
▼
APR4.74%
Term72 Months
Last UpdatedMay 20, 2026
Details
As Low As
Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.19%
17 S 1st St, Temple, TX, 76501 7603
Pre-Owned Auto
4.74%
60-month
▼
APR4.74%
Term60-month
Last UpdatedMay 20, 2026
Details
As Low As
TEXAS TECH
Institution Rating:
A5.0 ★ Texas Ratio: 3.51%
1802 Texas Tech Parkway, Lubbock, TX, 79409
Used Auto Loan
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMay 20, 2026
Details
Lubbock Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2802 York Ave Unit D, LUBBOCK, TX, 79407 2632
Used Auto Loan
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMay 22, 2026
Details
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
24909 Kuykendahl Rd, Tomball, TX, 77375 3295
USED Autos Up to 60 Months
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMay 20, 2026
Details
As Low As
Healthcare Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
2601 Network Blvd, Frisco, TX, 75034
Used Autos: 2017 - 2025
4.75%
Up to 48 months
▼
APR4.75%
TermUp to 48 months
Last UpdatedMay 22, 2026
Details
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
2801 N 6th St, Abilene, TX, 79603
Used Auto Loans - Cars and Light Trucks 2017
4.75%
1 - 42
▼
APR4.75%
Term1 - 42
Last UpdatedMay 22, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
676 Magnolia Ave, Port Neches, TX, 77651
Used Auto Loan
4.75%
78 Months
▼
APR4.75%
Term78 Months
Last UpdatedMay 22, 2026
Details
As Low As; 2024 & newer
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
5211 E Parkway St, Groves, TX, 77619
New & Used Auto
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.62%
3505 Wildewood Dr, San Angelo, TX, 76904
Used Automobiles & Light Trucks
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As
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MonitorBankRates
Texas Auto Loan Rate Trends
Compare local Texas auto loan rates against the statewide average
Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
New Auto Loan — TX Avg
5.721%
▲ 0.042 vs 7 days ago
Texas new auto rates rose 0.042 points over the past 7 days to 5.721% APR.
Used Auto Loan — TX Avg
6.356%
▲ 0.391 vs 7 days ago
Texas used auto rates rose 0.391 points over the past 7 days to 6.356% APR.
As of May 24, 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 Texas auto loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Auto Loan Rate Data: We aggregate new and used auto loan rates for Texas directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the lenders’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available auto loan products in Texas. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in TX.
Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.
Frequently Asked Questions about Auto Loans in Texas
How does my credit score affect my car loan rate in Texas?
Your credit score is the biggest factor determining your auto loan APR. Borrowers in Texas with excellent credit (750+) qualify for the lowest rates, while those with lower scores will see significantly higher interest costs.
Is it better to finance through a dealership or a bank?
It is highly recommended to get pre-approved through a local bank or credit union in Texas *before* visiting a dealership. Dealerships often mark up interest rates to make a profit.
What is the difference between New and Used Auto Loan rates?
Lenders in Texas typically offer lower interest rates for new cars because they are easier to value and represent less risk. Used car loans generally carry slightly higher APRs.
How long should my auto loan term be?
While 72-month and 84-month loans lower your monthly payment, they cost you far more in total interest. The ideal auto loan term is 60 months or less.
What are the best Auto Loan rates in Texas?
Based on our current data, some of the lowest auto loan rates available in Texas include:
- IBEW Local 66 Federal Credit Union: 2.95% (New Automobile (NA) A+ (800 0-36 Months)
- TEXOMA EDUCATORS: 2.99% (New vehicles)
- Members Choice Credit Union: 3.24% (New and Pre-Owned Autos)
- Baxter Credit Union: 3.24% (Auto Loans)
- Lubrizol Employees Credit Union: 3.24% (New & Used Automobile)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Texas. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 23, 2026
Auto Loan Rates by City in Texas
Rate Assistant
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