Auto Loan Rates in Lumberton, Texas (TX) for March 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Lumberton, Texas. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Lumberton, Texas include Education First Federal Credit UnionEducation First Federal Credit Union199 S LHS Dr, Lumberton, TX, 77657A+5.0 ★Texas Ratio: 4.21% offering New and Used Vehicle Loan at 3.25%, Neches Federal Credit UnionNeches Federal Credit Union299 Country Lane Dr, Lumberton, TX, 77657A+5.0 ★Texas Ratio: 1.48% offering New Auto Loan at 3.50%, MCT Credit UnionMCT Credit Union94 N Lhs Dr, Lumberton, TX, 77657 8627A+5.0 ★Texas Ratio: 2.43% offering New Auto Loans at 4.25%, DUGOODDUGOOD695 N Main St, Lumberton, TX, 77657 7354F2.8 ★Texas Ratio: 41.67% offering New & Used Auto Loan at 4.25%, First Financial Bank (TX)First Financial Bank (TX)119 N Lhs Dr, Lumberton, TX, 77657A+5.0 ★Texas Ratio: 3.64% offering New Car Loan at 4.29%.
Auto loan rates in Lumberton, Texas are continually updated to reflect market conditions. We recommend comparing rates from multiple lenders before visiting the dealership.
We empower borrowers with transparent financial health metrics—including A-F Safety Grades, verified Star Ratings, and Texas Ratios—so you can confidently choose a stable, highly-rated institution.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Lumberton, Texas. Auto Loan Rates Last Updated and Verified: March 20, 2026
Compare Auto Loan Rates Today in Lumberton, Texas & Surrounding Area
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Education First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
199 S LHS Dr, Lumberton, TX, 77657
New and Used Vehicle Loan
3.25%
36 Months
▼
APR3.25%
Term36 Months
Last UpdatedMar 13, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
299 Country Lane Dr, Lumberton, TX, 77657
New Auto Loan
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMar 15, 2026
Details
As Low As
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
299 Country Lane Dr, Lumberton, TX, 77657
Used Auto Loan
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMar 15, 2026
Details
As Low As; All model years, Up to 36 months
Education First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
199 S LHS Dr, Lumberton, TX, 77657
New and Used Vehicle Loan
3.50%
48 Months
▼
APR3.50%
Term48 Months
Last UpdatedMar 13, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
299 Country Lane Dr, Lumberton, TX, 77657
New Auto Loan
3.75%
48 Months
▼
APR3.75%
Term48 Months
Last UpdatedMar 15, 2026
Details
As Low As
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
299 Country Lane Dr, Lumberton, TX, 77657
Used Auto Loan
3.75%
48 Months
▼
APR3.75%
Term48 Months
Last UpdatedMar 15, 2026
Details
As Low As; All model years, Up to 48 months
Education First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
199 S LHS Dr, Lumberton, TX, 77657
New and Used Vehicle Loan
3.75%
60 Months
▼
APR3.75%
Term60 Months
Last UpdatedMar 13, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
299 Country Lane Dr, Lumberton, TX, 77657
New Auto Loan
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedMar 15, 2026
Details
As Low As
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
299 Country Lane Dr, Lumberton, TX, 77657
Used Auto Loan
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedMar 15, 2026
Details
As Low As; 2020 & newer, Up to 60 months
Education First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
199 S LHS Dr, Lumberton, TX, 77657
New and Used Vehicle Loan
4.25%
72 Months
▼
APR4.25%
Term72 Months
Last UpdatedMar 13, 2026
Details
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
94 N Lhs Dr, Lumberton, TX, 77657 8627
New Auto Loans
4.25%
0-24
▼
APR4.25%
Term0-24
Last UpdatedMar 20, 2026
Details
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
94 N Lhs Dr, Lumberton, TX, 77657 8627
Used Auto Loans
4.25%
0-24
▼
APR4.25%
Term0-24
Last UpdatedMar 20, 2026
Details
DUGOOD
Institution Rating:
F2.8 ★ Texas Ratio: 41.67%
695 N Main St, Lumberton, TX, 77657 7354
New & Used Auto Loan
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMar 13, 2026
Details
Vehicle Age: Up to 2026
First Financial Bank (TX)
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
119 N Lhs Dr, Lumberton, TX, 77657
New Car Loan
4.29%
48 Months
▼
APR4.29%
Term48 Months
Last UpdatedMar 18, 2026
Details
Rate shown includes .25% discount if you sign up for an auto-draft from a First Financial account
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
299 Country Lane Dr, Lumberton, TX, 77657
New Auto Loan
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedMar 15, 2026
Details
As Low As
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
299 Country Lane Dr, Lumberton, TX, 77657
Used Auto Loan
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedMar 15, 2026
Details
As Low As; 2022 & newer, Up to 72 months
Education First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
199 S LHS Dr, Lumberton, TX, 77657
New and Used Vehicle Loan
4.50%
78 Months
▼
APR4.50%
Term78 Months
Last UpdatedMar 13, 2026
Details
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
94 N Lhs Dr, Lumberton, TX, 77657 8627
New Auto Loans
4.50%
49-60
▼
APR4.50%
Term49-60
Last UpdatedMar 20, 2026
Details
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
94 N Lhs Dr, Lumberton, TX, 77657 8627
Used Auto Loans
4.50%
49-60
▼
APR4.50%
Term49-60
Last UpdatedMar 20, 2026
Details
DUGOOD
Institution Rating:
F2.8 ★ Texas Ratio: 41.67%
695 N Main St, Lumberton, TX, 77657 7354
New & Used Auto Loan
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedMar 13, 2026
Details
Vehicle Age: 2022-2026
DUGOOD
Institution Rating:
F2.8 ★ Texas Ratio: 41.67%
695 N Main St, Lumberton, TX, 77657 7354
New & Used Auto Loan
4.60%
66 Months
▼
APR4.60%
Term66 Months
Last UpdatedMar 13, 2026
Details
Vehicle Age: 2023-2026
First Financial Bank (TX)
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
119 N Lhs Dr, Lumberton, TX, 77657
Used Car Loan
4.64%
48 Months
▼
APR4.64%
Term48 Months
Last UpdatedMar 18, 2026
Details
Rate shown includes .25% discount if you sign up for an auto-draft from a First Financial account
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
299 Country Lane Dr, Lumberton, TX, 77657
New Auto Loan
4.75%
78 Months
▼
APR4.75%
Term78 Months
Last UpdatedMar 15, 2026
Details
As Low As
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
299 Country Lane Dr, Lumberton, TX, 77657
Used Auto Loan
4.75%
78 Months
▼
APR4.75%
Term78 Months
Last UpdatedMar 15, 2026
Details
As Low As; 2024 & newer, Up to 78 months
DUGOOD
Institution Rating:
F2.8 ★ Texas Ratio: 41.67%
695 N Main St, Lumberton, TX, 77657 7354
New & Used Auto Loan
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMar 13, 2026
Details
Vehicle Age: 2024-2026
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
94 N Lhs Dr, Lumberton, TX, 77657 8627
New Auto Loans
4.99%
61-72
▼
APR4.99%
Term61-72
Last UpdatedMar 20, 2026
Details
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
94 N Lhs Dr, Lumberton, TX, 77657 8627
Used Auto Loans
4.99%
61-72
▼
APR4.99%
Term61-72
Last UpdatedMar 20, 2026
Details
Education First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
199 S LHS Dr, Lumberton, TX, 77657
New and Used Vehicle Loan
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedMar 13, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
299 Country Lane Dr, Lumberton, TX, 77657
New Auto Loan
5.25%
84 Months
▼
APR5.25%
Term84 Months
Last UpdatedMar 15, 2026
Details
As Low As
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
299 Country Lane Dr, Lumberton, TX, 77657
Used Auto Loan
5.25%
84 Months
▼
APR5.25%
Term84 Months
Last UpdatedMar 15, 2026
Details
As Low As; 2025 & newer1, Up to 84 months
DUGOOD
Institution Rating:
F2.8 ★ Texas Ratio: 41.67%
695 N Main St, Lumberton, TX, 77657 7354
New & Used Auto Loan
5.25%
78 Months
▼
APR5.25%
Term78 Months
Last UpdatedMar 13, 2026
Details
Vehicle Age: 2025-2026
DUGOOD
Institution Rating:
F2.8 ★ Texas Ratio: 41.67%
695 N Main St, Lumberton, TX, 77657 7354
New & Used Auto Loan
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedMar 13, 2026
Details
Vehicle Age: New Autos Only
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
New Vehicles
2.00%
60 Months
▼
APR2.00%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2016-2017
2.00%
36 Months
▼
APR2.00%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2018-2020
2.00%
48 Months
▼
APR2.00%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
New Vehicles
2.25%
72 Months
▼
APR2.25%
Term72 Months
Last UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2014-2015
2.25%
36 Months
▼
APR2.25%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2016-2017
2.25%
48 Months
▼
APR2.25%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2018-2020
2.25%
60 Months
▼
APR2.25%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2013 & Older
2.75%
36 Months
▼
APR2.75%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2014-2015
2.75%
48 Months
▼
APR2.75%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2016-2017
2.75%
60 Months
▼
APR2.75%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2018-2020
2.75%
72 Months
▼
APR2.75%
Term72 Months
Last UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
New Auto Loan
2.95%
0-36
▼
APR2.95%
Term0-36
Last UpdatedMar 20, 2026
Details
CREDIT SCORE: A+ (800+)
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
506 W Lamar St, Sherman, TX, 75090 5840
New vehicles
2.99%
0-36 months
▼
APR2.99%
Term0-36 months
Last UpdatedMar 15, 2026
Details
Lubrizol Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
205 Center St, Deer Park, TX, 77536 2735
New & Used Automobile
3.24%
24 Months
▼
APR3.24%
Term24 Months
Last UpdatedMar 20, 2026
Details
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
18211 Katy Fwy, Houston, TX, 77094 1395
New and Pre-Owned Autos
3.24%
12-36
▼
APR3.24%
Term12-36
Last UpdatedMar 20, 2026
Details
As Low As
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
18211 Katy Fwy, Houston, TX, 77094 1395
New Autos
3.24%
12 - 36
▼
APR3.24%
Term12 - 36
Last UpdatedMar 20, 2026
Details
As Low As
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
18211 Katy Fwy, Houston, TX, 77094 1395
Pre-Owned Autos
3.24%
12 - 36
▼
APR3.24%
Term12 - 36
Last UpdatedMar 20, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
7034 Alamo Downs Pkwy, San Antonio, TX, 78238
Auto Loans
3.24%
Auto Buying Service
▼
APR3.24%
TermAuto Buying Service
Last UpdatedMar 18, 2026
Details
As Low As; APR - 2026 & Newer
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.09%
2302 Church St, Galveston, TX, 77550
Vehicle Loans
3.31%
0-36
▼
APR3.31%
Term0-36
Last UpdatedMar 18, 2026
Details
A+ Credit*
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.09%
2302 Church St, Galveston, TX, 77550
Vehicle Loans A+ Credit
3.31%
0-36
▼
APR3.31%
Term0-36
Last UpdatedMar 18, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
2901 Sens Rd, La Porte, TX, 77571
New & Used Autos
3.39%
Up to 36 Months
▼
APR3.39%
TermUp to 36 Months
Last UpdatedMar 16, 2026
Details
USE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
400 S Akard St, Dallas, TX, 75202 5324
New & Used Autos
3.49%
72 Months
▼
APR3.49%
Term72 Months
Last UpdatedMar 15, 2026
Details
As Low As
Seagoville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2209 N Highway 175, Seagoville, TX, 75159 2137
New Cars, Trucks, Vans
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMar 11, 2026
Details
As Low As
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.09%
2302 Church St, Galveston, TX, 77550
Vehicle Loans
3.56%
0-36
▼
APR3.56%
Term0-36
Last UpdatedMar 18, 2026
Details
A Credit*
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.09%
2302 Church St, Galveston, TX, 77550
Vehicle Loans A Credit
3.56%
0-36
▼
APR3.56%
Term0-36
Last UpdatedMar 18, 2026
Details
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.09%
2302 Church St, Galveston, TX, 77550
Vehicle Loans A+ Credit
3.56%
37-48
▼
APR3.56%
Term37-48
Last UpdatedMar 18, 2026
Details
Victoria City County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.81%
205 N Bridge St Ste 111, Victoria, TX, 77901
New & Used Auto Loans
3.60%
36 to 72 Months
▼
APR3.60%
Term36 to 72 Months
Last UpdatedMar 15, 2026
Details
Port of Houston Warehouse Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
1717 East Loop N Ste 160, Houston, TX, 77029 4018
New/Used Auto
3.61%
36 Months
▼
APR3.61%
Term36 Months
Last UpdatedMar 15, 2026
Details
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2020 & Newer
3.65%
36 Months
▼
APR3.65%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2021 & Newer
3.65%
48 Months
▼
APR3.65%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2022 & Newer
3.65%
60 Months
▼
APR3.65%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2023 & Newer
3.65%
72 Months
▼
APR3.65%
Term72 Months
Last UpdatedMar 20, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2025 & Newer
3.67%
84 Months
▼
APR3.67%
Term84 Months
Last UpdatedMar 20, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
183 E Price Rd, Brownsville, TX, 78521
New Auto Loan
3.70%
75 Months
▼
APR3.70%
Term75 Months
Last UpdatedMar 15, 2026
Details
up to 75 Months
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
2900 Decker Dr, Baytown, TX, 77520 2076
New Autos
3.74%
36 Months
▼
APR3.74%
Term36 Months
Last UpdatedMar 18, 2026
Details
As Low As; Fewer than 7,500 miles
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
2900 Decker Dr, Baytown, TX, 77520 2076
Used Autos
3.74%
36 Months
▼
APR3.74%
Term36 Months
Last UpdatedMar 18, 2026
Details
As Low As; Fewer than 100,000 miles
Seagoville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2209 N Highway 175, Seagoville, TX, 75159 2137
New Cars, Trucks, Vans
3.75%
48 Months
▼
APR3.75%
Term48 Months
Last UpdatedMar 11, 2026
Details
As Low As
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
2901 Sens Rd, La Porte, TX, 77571
New & Used Autos
3.89%
37-48 Months
▼
APR3.89%
Term37-48 Months
Last UpdatedMar 16, 2026
Details
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
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 UpdatedMar 17, 2026
Details
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
2801 N 6th St, Abilene, TX, 79603
Used Auto Loans - Cars and Light Trucks 2024
3.90%
1 - 84
▼
APR3.90%
Term1 - 84
Last UpdatedMar 17, 2026
Details
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
2801 N 6th St, Abilene, TX, 79603
Used Auto Loans - Cars and Light Trucks 2025
3.90%
1 - 84
▼
APR3.90%
Term1 - 84
Last UpdatedMar 17, 2026
Details
Star Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.08%
10429 Leopard St, Corpus Christi, TX, 78410 1933
Auto Loans
3.90%
18 Months
▼
APR3.90%
Term18 Months
Last UpdatedMar 17, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
Auto Loan A+
3.95%
0-36
▼
APR3.95%
Term0-36
Last UpdatedMar 20, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
New Auto Loan
3.95%
37-60
▼
APR3.95%
Term37-60
Last UpdatedMar 20, 2026
Details
CREDIT SCORE: A+ (800+)
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 Months
▼
APR3.99%
Term0-48 Months
Last UpdatedMar 13, 2026
Details
Valwood Park Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
1001 E Crosby Rd, Carrollton, TX, 75006 7260
Used Auto/Refinance Auto
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedMar 15, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
14090 Southwest Fwy Ste 260, Sugar Land, TX, 77478 3678
New Auto Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; Qualifying rate - Conditions apply
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
14090 Southwest Fwy Ste 260, Sugar Land, TX, 77478 3678
Used Auto Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; (Up to 5 Years old / 2021+)
Oak Cliff Christian Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
1130 W Camp Wisdom Rd, Dallas, TX, 75232 3404
Auto Loan
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; No payments for 90 days.
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
24909 Kuykendahl Rd, Tomball, TX, 77375 3295
Auto Loans
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMar 15, 2026
Details
As Low As; Additional loyalty discount of .25% with direct deposit of $250 per month and auto pay
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
24909 Kuykendahl Rd, Tomball, TX, 77375 3295
NEW Autos Up to 36 Months
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMar 15, 2026
Details
As Low As
The State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
6160 WARREN PKWY STE 500, FRISCO, TX, 75034 9673
New Automotive
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMar 15, 2026
Details
United Energy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.67%
8790 FM 1960 Bypass Rd W Ste 500A, Humble, TX, 77338 3950
New/Used Auto
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedMar 15, 2026
Details
80% Financing MSRP or NADA Retail (20% down)
Houston Highway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
8120 Washington Ave, Houston, TX, 77007
New Vehicle Loan
3.99%
24 - 72+ Months
▼
APR3.99%
Term24 - 72+ Months
Last UpdatedMar 20, 2026
Details
Houston Highway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
8120 Washington Ave, Houston, TX, 77007
Used Vehicle Loan
3.99%
24 - 72+ Months
▼
APR3.99%
Term24 - 72+ Months
Last UpdatedMar 20, 2026
Details
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.73%
13649 Montfort Dr, Dallas, TX, 75240 2521
New Auto Loans
3.99%
54 Months
▼
APR3.99%
Term54 Months
Last UpdatedMar 15, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
7034 Alamo Downs Pkwy, San Antonio, TX, 78238
Auto Loans
3.99%
0 - 75 Months
▼
APR3.99%
Term0 - 75 Months
Last UpdatedMar 18, 2026
Details
As Low As; APR - 2026 & Newer
United Heritage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.47%
12208 N Mopac Expy, Austin, TX, 78758
New/Used Auto Loan
3.99%
12 to 84 Months
▼
APR3.99%
Term12 to 84 Months
Last UpdatedMar 15, 2026
Details
As Low As
First Service Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.02%
3923 5th St, Brookshire, TX, 77423
Auto Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As
First Service Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.02%
3923 5th St, Brookshire, TX, 77423
Drive Smart Auto Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As
First Service Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.02%
3923 5th St, Brookshire, TX, 77423
First Time Auto Buyer Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As
Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
17 S 1st St, Temple, TX, 76501 7603
New Auto
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMar 15, 2026
Details
As Low As
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
506 W Lamar St, Sherman, TX, 75090 5840
New vehicles
3.99%
37-48 months
▼
APR3.99%
Term37-48 months
Last UpdatedMar 15, 2026
Details
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2610 Network Blvd Ste 600, Frisco, TX, 75034 6009
New Cars and Trucks
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedMar 17, 2026
Details
Seagoville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2209 N Highway 175, Seagoville, TX, 75159 2137
New Cars, Trucks, Vans
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedMar 11, 2026
Details
As Low As; $15,000 minimum Sticker Price
Seagoville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2209 N Highway 175, Seagoville, TX, 75159 2137
Used Cars, Trucks, Vans
4.00%
12 Months
▼
APR4.00%
Term12 Months
Last UpdatedMar 11, 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 UpdatedMar 20, 2026
Details
As Low As
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.28%
3505 Wildewood Dr, San Angelo, TX, 76904
New Automobiles & Light Trucks
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedMar 16, 2026
Details
As Low As
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.28%
3505 Wildewood Dr, San Angelo, TX, 76904
Used Automobiles & Light Trucks
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedMar 16, 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 UpdatedMar 15, 2026
Details
As Low As
Starr County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
1322 E San Benito St, Rio Grande City, TX, 78582
Auto Refinances
4.00%
84 Months
▼
APR4.00%
Term84 Months
Last UpdatedMar 15, 2026
Details
As Low As
Energy Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
18540 Northwest Fwy, Houston, TX, 77065
New Autos
4.00%
60 - 84
▼
APR4.00%
Term60 - 84
Last UpdatedMar 13, 2026
Details
As Low As
Energy Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
18540 Northwest Fwy, Houston, TX, 77065
Used Autos
4.00%
60 - 84
▼
APR4.00%
Term60 - 84
Last UpdatedMar 13, 2026
Details
As Low As
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
16597 Interstate 45 S, Conroe, TX, 77385
Auto Loan - New Vehicles
4.00%
24 Months
▼
APR4.00%
Term24 Months
Last UpdatedMar 13, 2026
Details
Concho Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.64%
1002 S Abe St, San Angelo, TX, 76903 7240
New Auto
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedMar 18, 2026
Details
As Low As; for 36 months
Service 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
10001 Jack Finney Blvd, Greenville, TX, 75402
New Vehicle
4.00%
94 Months
▼
APR4.00%
Term94 Months
Last UpdatedMar 17, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.19%
3030 Cullen Blvd Ste 111, Pearland, TX, 77584
Auto Loan
4.00%
1 - 48
▼
APR4.00%
Term1 - 48
Last UpdatedMar 20, 2026
Details
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.71%
100 Dominion Park Dr, Houston, TX, 77090 6716
Auto Loans (New & Used)
4.05%
Up to 36 Months
▼
APR4.05%
TermUp to 36 Months
Last UpdatedMar 15, 2026
Details
As Low As
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.09%
2302 Church St, Galveston, TX, 77550
Vehicle Loans
4.06%
0-36
▼
APR4.06%
Term0-36
Last UpdatedMar 18, 2026
Details
B Credit*
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.09%
2302 Church St, Galveston, TX, 77550
Vehicle Loans A Credit
4.06%
37-48
▼
APR4.06%
Term37-48
Last UpdatedMar 18, 2026
Details
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.09%
2302 Church St, Galveston, TX, 77550
Vehicle Loans A+ Credit
4.06%
49-60
▼
APR4.06%
Term49-60
Last UpdatedMar 18, 2026
Details
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.09%
2302 Church St, Galveston, TX, 77550
Vehicle Loans B Credit
4.06%
0-36
▼
APR4.06%
Term0-36
Last UpdatedMar 18, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
100 N Kimball Ave Ste 103, Southlake, TX, 76092 8024
New Cars
4.09%
Up to 12 months
▼
APR4.09%
TermUp to 12 months
Last UpdatedMar 13, 2026
Details
Cherokee County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.87%
145 FM 2972 W, RUSK, TX, 75785
New Vehicles-W.A.C.- 2026-2024 Up to 72 months
4.10%
72 Months
▼
APR4.10%
Term72 Months
Last UpdatedMar 18, 2026
Details
Mesquite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.76%
1510 N Galloway Ave, Mesquite, TX, 75149
New and Used Vehicles
4.10%
Up to 72 Months
▼
APR4.10%
TermUp to 72 Months
Last UpdatedMar 20, 2026
Details
As Low As
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
16597 Interstate 45 S, Conroe, TX, 77385
Auto Loan - New Vehicles
4.12%
36 Months
▼
APR4.12%
Term36 Months
Last UpdatedMar 13, 2026
Details
Memorial Credit Union Houston, TX
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
7789 Southwest fwy Ste 175, Houston, TX, 77074 1831
New Autos
4.14%
84 Months
▼
APR4.14%
Term84 Months
Last UpdatedMar 20, 2026
Details
1
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
2801 N 6th St, Abilene, TX, 79603
Used Auto Loans - Cars and Light Trucks 2023
4.15%
1 - 78
▼
APR4.15%
Term1 - 78
Last UpdatedMar 17, 2026
Details
FAA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
16600 John F Kennedy Blvd, Houston, TX, 77032 6514
2025 & Newer Auto Loans
4.19%
36 Months
▼
APR4.19%
Term36 Months
Last UpdatedMar 18, 2026
Details
JSC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.82%
1330 Gemini St, Houston, TX, 77058
Auto Refinance 2016-2018
4.19%
48 Months
▼
APR4.19%
Term48 Months
Last UpdatedMar 15, 2026
Details
As Low As
JSC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.82%
1330 Gemini St, Houston, TX, 77058
Auto Refinance 2019-2023
4.19%
48 Months
▼
APR4.19%
Term48 Months
Last UpdatedMar 15, 2026
Details
As Low As
JSC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.82%
1330 Gemini St, Houston, TX, 77058
Auto Refinance 2024-2025
4.19%
48 Months
▼
APR4.19%
Term48 Months
Last UpdatedMar 15, 2026
Details
As Low As
JSC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.82%
1330 Gemini St, Houston, TX, 77058
Auto Refinance 2025-2026 New
4.19%
48 Months
▼
APR4.19%
Term48 Months
Last UpdatedMar 15, 2026
Details
As Low As
City Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.82%
901 S LINCOLN ST, AMARILLO, TX, 79101 3637
New and Used Auto Loan
4.24%
36 Months
▼
APR4.24%
Term36 Months
Last UpdatedMar 16, 2026
Details
As Low As
Rockdale Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
1821 W Cameron Ave, Rockdale, TX, 76567
New Vehicles
4.24%
84 Months
▼
APR4.24%
Term84 Months
Last UpdatedMar 11, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto
4.24%
36 Months
▼
APR4.24%
Term36 Months
Last UpdatedMar 15, 2026
Details
As Low As
Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
17 S 1st St, Temple, TX, 76501 7603
New Auto
4.24%
60 Months
▼
APR4.24%
Term60 Months
Last UpdatedMar 15, 2026
Details
As Low As
Seagoville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2209 N Highway 175, Seagoville, TX, 75159 2137
New Cars, Trucks, Vans
4.25%
72 Months
▼
APR4.25%
Term72 Months
Last UpdatedMar 11, 2026
Details
As Low As; $25,000 minimum Sticker Price
Seagoville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2209 N Highway 175, Seagoville, TX, 75159 2137
Used Cars, Trucks, Vans
4.25%
24 Months
▼
APR4.25%
Term24 Months
Last UpdatedMar 11, 2026
Details
As Low As
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
2801 N 6th St, Abilene, TX, 79603
Used Auto Loans - Cars and Light Trucks 2022
4.25%
1 - 72
▼
APR4.25%
Term1 - 72
Last UpdatedMar 17, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
16320 Kensington Dr, Sugar Land, TX, 77479 4097
New Automobile Loan
4.25%
Up to 36 Months
▼
APR4.25%
TermUp to 36 Months
Last UpdatedMar 20, 2026
Details
As Low As
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
16320 Kensington Dr, Sugar Land, TX, 77479 4097
Used Automobile Loan
4.25%
Up to 36
▼
APR4.25%
TermUp to 36
Last UpdatedMar 20, 2026
Details
As Low As
Common Cents Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.15%
8109 Smith Rd, Beaumont, TX, 77705 6108
Auto Loan
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedMar 16, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
14090 Southwest Fwy Ste 260, Sugar Land, TX, 77478 3678
New Auto Loan
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As; Qualifying rate - Conditions apply
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
14090 Southwest Fwy Ste 260, Sugar Land, TX, 77478 3678
Used Auto Loan
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As; (Up to 5 Years old / 2021+)
Gulf Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
5140 W Parkway St, Groves, TX, 77619
New and Used Autos
4.25%
36 months
▼
APR4.25%
Term36 months
Last UpdatedMar 20, 2026
Details
As Low As
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
2601 Network Blvd, Frisco, TX, 75034
Any Model Year Vehicle Loan
4.25%
24 Months
▼
APR4.25%
Term24 Months
Last UpdatedMar 18, 2026
Details
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
24909 Kuykendahl Rd, Tomball, TX, 77375 3295
NEW Autos Up to 48 Months
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMar 15, 2026
Details
As Low As
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
24909 Kuykendahl Rd, Tomball, TX, 77375 3295
USED Autos Up to 36 Months
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedMar 15, 2026
Details
As Low As
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
16597 Interstate 45 S, Conroe, TX, 77385
Auto Loan - New Vehicles
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMar 13, 2026
Details
Southern Star Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.41%
16035 W Little York Rd, Houston, TX, 77084
New Auto Loans
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedMar 15, 2026
Details
As Low As
Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
11920 Alterra Pkwy, Austin, TX, 78758
Auto Loan
4.29%
48 Months
▼
APR4.29%
Term48 Months
Last UpdatedMar 18, 2026
Details
As Low As
Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
11920 Alterra Pkwy, Austin, TX, 78758
Auto Loans
4.29%
48 Months
▼
APR4.29%
Term48 Months
Last UpdatedMar 18, 2026
Details
As Low As
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
2801 N 6th St, Abilene, TX, 79603
Used Auto Loans - Cars and Light Trucks 2021
4.35%
1 - 66
▼
APR4.35%
Term1 - 66
Last UpdatedMar 17, 2026
Details
Cherokee County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.87%
145 FM 2972 W, RUSK, TX, 75785
New Car Loan
4.35%
84 Months
▼
APR4.35%
Term84 Months
Last UpdatedMar 18, 2026
Details
As Low As
Cherokee County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.87%
145 FM 2972 W, RUSK, TX, 75785
New Vehicles-W.A.C.- 2026-2024 Up to 84 months
4.35%
84 Months
▼
APR4.35%
Term84 Months
Last UpdatedMar 18, 2026
Details
($35,000+ loan)
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.09%
2302 Church St, Galveston, TX, 77550
Vehicle Loans
4.36%
0-36
▼
APR4.36%
Term0-36
Last UpdatedMar 18, 2026
Details
C Credit*
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.09%
2302 Church St, Galveston, TX, 77550
Vehicle Loans A Credit
4.36%
49-60
▼
APR4.36%
Term49-60
Last UpdatedMar 18, 2026
Details
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.09%
2302 Church St, Galveston, TX, 77550
Vehicle Loans A+ Credit
4.36%
61-75
▼
APR4.36%
Term61-75
Last UpdatedMar 18, 2026
Details
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.09%
2302 Church St, Galveston, TX, 77550
Vehicle Loans B Credit
4.36%
37-48
▼
APR4.36%
Term37-48
Last UpdatedMar 18, 2026
Details
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.09%
2302 Church St, Galveston, TX, 77550
Vehicle Loans C Credit
4.36%
0-36
▼
APR4.36%
Term0-36
Last UpdatedMar 18, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
16597 Interstate 45 S, Conroe, TX, 77385
Auto Loan - New Vehicles
4.38%
60 Months
▼
APR4.38%
Term60 Months
Last UpdatedMar 13, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
2901 Sens Rd, La Porte, TX, 77571
New & Used Autos
4.39%
49 - 65 Months
▼
APR4.39%
Term49 - 65 Months
Last UpdatedMar 16, 2026
Details
JSC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.82%
1330 Gemini St, Houston, TX, 77058
Auto Refinance 2016-2018
4.39%
77 Months
▼
APR4.39%
Term77 Months
Last UpdatedMar 15, 2026
Details
As Low As
Southwest Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.40%
1750 Valley View Ln Ste 110, Farmers Branch, TX, 75234 9024
New Auto
4.39%
72 Months
▼
APR4.39%
Term72 Months
Last UpdatedMar 17, 2026
Details
As Low As
Southwest Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.40%
1750 Valley View Ln Ste 110, Farmers Branch, TX, 75234 9024
Used Auto
4.39%
72 Months
▼
APR4.39%
Term72 Months
Last UpdatedMar 17, 2026
Details
As Low As
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
100 N Kimball Ave Ste 103, Southlake, TX, 76092 8024
Used Cars
4.39%
Up to 12 months
▼
APR4.39%
TermUp to 12 months
Last UpdatedMar 13, 2026
Details
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
2421 Westport Pkwy Ste 1300, Fort Worth, TX, 76177 5311
NEW Auto Loan
4.40%
36 Months
▼
APR4.40%
Term36 Months
Last UpdatedMar 16, 2026
Details
As Low As
FAA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
16600 John F Kennedy Blvd, Houston, TX, 77032 6514
2025 & Newer Auto Loans
4.44%
48 Months
▼
APR4.44%
Term48 Months
Last UpdatedMar 18, 2026
Details
Swemp Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
601 OLIVE ST, TEXARKANA, TX, 75501
New Autos
4.45%
84 Months
▼
APR4.45%
Term84 Months
Last UpdatedMar 15, 2026
Details
As Low As; * As Low As (Based On Credit Score And Loan Term)
Swemp Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
601 OLIVE ST, TEXARKANA, TX, 75501
Pre-Owned Autos
4.45%
84 Months
▼
APR4.45%
Term84 Months
Last UpdatedMar 15, 2026
Details
As Low As; * As Low As (Based On Credit Score And Loan Term)
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
2801 N 6th St, Abilene, TX, 79603
Used Auto Loans - Cars and Light Trucks 2020
4.45%
1 - 60
▼
APR4.45%
Term1 - 60
Last UpdatedMar 17, 2026
Details
4U Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
1312 Lawrence St, Gainesville, TX, 76240
New Auto Loan
4.45%
48 Months
▼
APR4.45%
Term48 Months
Last UpdatedMar 17, 2026
Details
As Low As
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
4849 N Mesa St, El Paso, TX, 79912
Fuel-Efficient Auto Loan
4.49%
36 months
▼
APR4.49%
Term36 months
Last UpdatedMar 20, 2026
Details
As Low As; 2023 and newer
Texasgulf Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.70%
2101 N Fulton st, Wharton, TX, 77488
New or used vehicle
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMar 15, 2026
Details
As Low As
Lubbock Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2802 York Ave Unit D, LUBBOCK, TX, 79407 2632
New Auto Loan
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMar 15, 2026
Details
City Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.82%
901 S LINCOLN ST, AMARILLO, TX, 79101 3637
New and Used Auto Loan
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMar 16, 2026
Details
As Low As
JSC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.82%
1330 Gemini St, Houston, TX, 77058
Auto Refinance 2019-2023
4.49%
84 Months
▼
APR4.49%
Term84 Months
Last UpdatedMar 15, 2026
Details
As Low As
JSC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.82%
1330 Gemini St, Houston, TX, 77058
Auto Refinance 2024-2025
4.49%
84 Months
▼
APR4.49%
Term84 Months
Last UpdatedMar 15, 2026
Details
As Low As
JSC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.82%
1330 Gemini St, Houston, TX, 77058
Auto Refinance 2025-2026 New
4.49%
84 Months
▼
APR4.49%
Term84 Months
Last UpdatedMar 15, 2026
Details
As Low As
Valwood Park Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
1001 E Crosby Rd, Carrollton, TX, 75006 7260
Used Auto/Refinance Auto
4.49%
Up to 48 months
▼
APR4.49%
TermUp to 48 months
Last UpdatedMar 15, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
3301 Airport Fwy Ste 175, Bedford, TX, 76021 6123
New & Used Autos
4.49%
24 Months
▼
APR4.49%
Term24 Months
Last UpdatedMar 18, 2026
Details
As Low As
University Credit Union Los Angeles, CA
Institution Rating:
A-5.0 ★ Texas Ratio: 15.35%
701 College Dr, Abilene, TX, 79601
New and Used Auto
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMar 15, 2026
Details
As Low As
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.59%
2455 Stringer St, Brenham, TX, 77833
2023-2025 Used Vehicles
4.49%
Up to 48 Months
▼
APR4.49%
TermUp to 48 Months
Last UpdatedMar 18, 2026
Details
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
24909 Kuykendahl Rd, Tomball, TX, 77375 3295
NEW Autos Up to 60 Months
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMar 15, 2026
Details
As Low As
Access Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.15%
6401 Bell St, Amarillo, TX, 79109
New Vehicles - 5 years and newer**
4.49%
24 to 36
▼
APR4.49%
Term24 to 36
Last UpdatedMar 17, 2026
Details
Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.83%
4800 GROVER AVE, AUSTIN, TX, 78756
New and Used Vehicles
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMar 17, 2026
Details
As Low As
Prestige Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
15203 Knoll Trail Dr Ste 101, Dallas, TX, 75248
New Vehicle Loan (Car / Truck / SUV)
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMar 15, 2026
Details
As Low As; APR up to 18.00%
Prestige Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
15203 Knoll Trail Dr Ste 101, Dallas, TX, 75248
Used Vehicle Loan (Car / Truck / SUV)
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMar 15, 2026
Details
As Low As
City Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.07%
7474 Ferguson Rd, Dallas, TX, 75228
New or Used Auto Loans
4.49%
24 Months
▼
APR4.49%
Term24 Months
Last UpdatedMar 18, 2026
Details
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.73%
13649 Montfort Dr, Dallas, TX, 75240 2521
Auto Loans Used
4.49%
54 Months
▼
APR4.49%
Term54 Months
Last UpdatedMar 15, 2026
Details
As Low As
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.73%
13649 Montfort Dr, Dallas, TX, 75240 2521
New Auto Loans
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedMar 15, 2026
Details
As Low As
Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
11920 Alterra Pkwy, Austin, TX, 78758
Auto Loan
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMar 18, 2026
Details
As Low As
Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
11920 Alterra Pkwy, Austin, TX, 78758
Auto Loans
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMar 18, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
7034 Alamo Downs Pkwy, San Antonio, TX, 78238
Auto Loans
4.49%
Auto Buying Service
▼
APR4.49%
TermAuto Buying Service
Last UpdatedMar 18, 2026
Details
As Low As; APR - 2023 - 2025*
Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
17 S 1st St, Temple, TX, 76501 7603
Pre-Owned Auto
4.49%
36-month
▼
APR4.49%
Term36-month
Last UpdatedMar 15, 2026
Details
As Low As
TEXAS TECH
Institution Rating:
A5.0 ★ Texas Ratio: 8.53%
1802 Texas Tech Parkway, Lubbock, TX, 79409
New Auto Loan
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMar 15, 2026
Details
Chartway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
9441 FM 1960 Bypass Rd W Ste 100, Humble, TX, 77338 4090
Auto Loan New 2025 (6,000 miles or less)
4.50%
1 to 48 months
▼
APR4.50%
Term1 to 48 months
Last UpdatedMar 18, 2026
Details
As Low As; Rates shown not available in VA, NC, UT, NV, and TX. Other rates subject to terms and are based on creditworthiness, therefore rates and terms may differ. Not all applicants will qualify for the lowest rate. Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
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 UpdatedMar 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 UpdatedMar 17, 2026
Details
Seagoville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2209 N Highway 175, Seagoville, TX, 75159 2137
New Cars, Trucks, Vans
4.50%
84 Months
▼
APR4.50%
Term84 Months
Last UpdatedMar 11, 2026
Details
As Low As; $40,000 minimum Sticker Price
Seagoville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2209 N Highway 175, Seagoville, TX, 75159 2137
Used Cars, Trucks, Vans
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedMar 11, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Education First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
199 S LHS Dr, Lumberton, TX, 77657
New and Used Vehicle Loan
3.25%
36 Months
▼
APR3.25%
Term36 Months
Last UpdatedMar 13, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
299 Country Lane Dr, Lumberton, TX, 77657
New Auto Loan
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMar 15, 2026
Details
As Low As
Education First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
199 S LHS Dr, Lumberton, TX, 77657
New and Used Vehicle Loan
3.50%
48 Months
▼
APR3.50%
Term48 Months
Last UpdatedMar 13, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
299 Country Lane Dr, Lumberton, TX, 77657
New Auto Loan
3.75%
48 Months
▼
APR3.75%
Term48 Months
Last UpdatedMar 15, 2026
Details
As Low As
Education First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
199 S LHS Dr, Lumberton, TX, 77657
New and Used Vehicle Loan
3.75%
60 Months
▼
APR3.75%
Term60 Months
Last UpdatedMar 13, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
299 Country Lane Dr, Lumberton, TX, 77657
New Auto Loan
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedMar 15, 2026
Details
As Low As
Education First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
199 S LHS Dr, Lumberton, TX, 77657
New and Used Vehicle Loan
4.25%
72 Months
▼
APR4.25%
Term72 Months
Last UpdatedMar 13, 2026
Details
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
94 N Lhs Dr, Lumberton, TX, 77657 8627
New Auto Loans
4.25%
0-24
▼
APR4.25%
Term0-24
Last UpdatedMar 20, 2026
Details
DUGOOD
Institution Rating:
F2.8 ★ Texas Ratio: 41.67%
695 N Main St, Lumberton, TX, 77657 7354
New & Used Auto Loan
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMar 13, 2026
Details
Vehicle Age: Up to 2026
First Financial Bank (TX)
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
119 N Lhs Dr, Lumberton, TX, 77657
New Car Loan
4.29%
48 Months
▼
APR4.29%
Term48 Months
Last UpdatedMar 18, 2026
Details
Rate shown includes .25% discount if you sign up for an auto-draft from a First Financial account
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
299 Country Lane Dr, Lumberton, TX, 77657
New Auto Loan
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedMar 15, 2026
Details
As Low As
Education First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
199 S LHS Dr, Lumberton, TX, 77657
New and Used Vehicle Loan
4.50%
78 Months
▼
APR4.50%
Term78 Months
Last UpdatedMar 13, 2026
Details
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
94 N Lhs Dr, Lumberton, TX, 77657 8627
New Auto Loans
4.50%
49-60
▼
APR4.50%
Term49-60
Last UpdatedMar 20, 2026
Details
DUGOOD
Institution Rating:
F2.8 ★ Texas Ratio: 41.67%
695 N Main St, Lumberton, TX, 77657 7354
New & Used Auto Loan
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedMar 13, 2026
Details
Vehicle Age: 2022-2026
DUGOOD
Institution Rating:
F2.8 ★ Texas Ratio: 41.67%
695 N Main St, Lumberton, TX, 77657 7354
New & Used Auto Loan
4.60%
66 Months
▼
APR4.60%
Term66 Months
Last UpdatedMar 13, 2026
Details
Vehicle Age: 2023-2026
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
299 Country Lane Dr, Lumberton, TX, 77657
New Auto Loan
4.75%
78 Months
▼
APR4.75%
Term78 Months
Last UpdatedMar 15, 2026
Details
As Low As
DUGOOD
Institution Rating:
F2.8 ★ Texas Ratio: 41.67%
695 N Main St, Lumberton, TX, 77657 7354
New & Used Auto Loan
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMar 13, 2026
Details
Vehicle Age: 2024-2026
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
94 N Lhs Dr, Lumberton, TX, 77657 8627
New Auto Loans
4.99%
61-72
▼
APR4.99%
Term61-72
Last UpdatedMar 20, 2026
Details
Education First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
199 S LHS Dr, Lumberton, TX, 77657
New and Used Vehicle Loan
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedMar 13, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
299 Country Lane Dr, Lumberton, TX, 77657
New Auto Loan
5.25%
84 Months
▼
APR5.25%
Term84 Months
Last UpdatedMar 15, 2026
Details
As Low As
DUGOOD
Institution Rating:
F2.8 ★ Texas Ratio: 41.67%
695 N Main St, Lumberton, TX, 77657 7354
New & Used Auto Loan
5.25%
78 Months
▼
APR5.25%
Term78 Months
Last UpdatedMar 13, 2026
Details
Vehicle Age: 2025-2026
DUGOOD
Institution Rating:
F2.8 ★ Texas Ratio: 41.67%
695 N Main St, Lumberton, TX, 77657 7354
New & Used Auto Loan
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedMar 13, 2026
Details
Vehicle Age: New Autos Only
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
New Vehicles
2.00%
60 Months
▼
APR2.00%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
New Vehicles
2.25%
72 Months
▼
APR2.25%
Term72 Months
Last UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
New Auto Loan
2.95%
0-36
▼
APR2.95%
Term0-36
Last UpdatedMar 20, 2026
Details
CREDIT SCORE: A+ (800+)
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
506 W Lamar St, Sherman, TX, 75090 5840
New vehicles
2.99%
0-36 months
▼
APR2.99%
Term0-36 months
Last UpdatedMar 15, 2026
Details
Lubrizol Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
205 Center St, Deer Park, TX, 77536 2735
New & Used Automobile
3.24%
24 Months
▼
APR3.24%
Term24 Months
Last UpdatedMar 20, 2026
Details
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
18211 Katy Fwy, Houston, TX, 77094 1395
New and Pre-Owned Autos
3.24%
12-36
▼
APR3.24%
Term12-36
Last UpdatedMar 20, 2026
Details
As Low As
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
18211 Katy Fwy, Houston, TX, 77094 1395
New Autos
3.24%
12 - 36
▼
APR3.24%
Term12 - 36
Last UpdatedMar 20, 2026
Details
As Low As
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
2901 Sens Rd, La Porte, TX, 77571
New & Used Autos
3.39%
Up to 36 Months
▼
APR3.39%
TermUp to 36 Months
Last UpdatedMar 16, 2026
Details
USE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
400 S Akard St, Dallas, TX, 75202 5324
New & Used Autos
3.49%
72 Months
▼
APR3.49%
Term72 Months
Last UpdatedMar 15, 2026
Details
As Low As
Seagoville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2209 N Highway 175, Seagoville, TX, 75159 2137
New Cars, Trucks, Vans
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMar 11, 2026
Details
As Low As
Victoria City County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.81%
205 N Bridge St Ste 111, Victoria, TX, 77901
New & Used Auto Loans
3.60%
36 to 72 Months
▼
APR3.60%
Term36 to 72 Months
Last UpdatedMar 15, 2026
Details
Port of Houston Warehouse Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
1717 East Loop N Ste 160, Houston, TX, 77029 4018
New/Used Auto
3.61%
36 Months
▼
APR3.61%
Term36 Months
Last UpdatedMar 15, 2026
Details
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2020 & Newer
3.65%
36 Months
▼
APR3.65%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2021 & Newer
3.65%
48 Months
▼
APR3.65%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2022 & Newer
3.65%
60 Months
▼
APR3.65%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2023 & Newer
3.65%
72 Months
▼
APR3.65%
Term72 Months
Last UpdatedMar 20, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2025 & Newer
3.67%
84 Months
▼
APR3.67%
Term84 Months
Last UpdatedMar 20, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
183 E Price Rd, Brownsville, TX, 78521
New Auto Loan
3.70%
75 Months
▼
APR3.70%
Term75 Months
Last UpdatedMar 15, 2026
Details
up to 75 Months
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
2900 Decker Dr, Baytown, TX, 77520 2076
New Autos
3.74%
36 Months
▼
APR3.74%
Term36 Months
Last UpdatedMar 18, 2026
Details
As Low As; Fewer than 7,500 miles
Seagoville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2209 N Highway 175, Seagoville, TX, 75159 2137
New Cars, Trucks, Vans
3.75%
48 Months
▼
APR3.75%
Term48 Months
Last UpdatedMar 11, 2026
Details
As Low As
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
2901 Sens Rd, La Porte, TX, 77571
New & Used Autos
3.89%
37-48 Months
▼
APR3.89%
Term37-48 Months
Last UpdatedMar 16, 2026
Details
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
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 UpdatedMar 17, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
New Auto Loan
3.95%
37-60
▼
APR3.95%
Term37-60
Last UpdatedMar 20, 2026
Details
CREDIT SCORE: A+ (800+)
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
14090 Southwest Fwy Ste 260, Sugar Land, TX, 77478 3678
New Auto Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; Qualifying rate - Conditions apply
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
24909 Kuykendahl Rd, Tomball, TX, 77375 3295
NEW Autos Up to 36 Months
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMar 15, 2026
Details
As Low As
The State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
6160 WARREN PKWY STE 500, FRISCO, TX, 75034 9673
New Automotive
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMar 15, 2026
Details
United Energy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.67%
8790 FM 1960 Bypass Rd W Ste 500A, Humble, TX, 77338 3950
New/Used Auto
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedMar 15, 2026
Details
80% Financing MSRP or NADA Retail (20% down)
Houston Highway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
8120 Washington Ave, Houston, TX, 77007
New Vehicle Loan
3.99%
24 - 72+ Months
▼
APR3.99%
Term24 - 72+ Months
Last UpdatedMar 20, 2026
Details
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.73%
13649 Montfort Dr, Dallas, TX, 75240 2521
New Auto Loans
3.99%
54 Months
▼
APR3.99%
Term54 Months
Last UpdatedMar 15, 2026
Details
As Low As
United Heritage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.47%
12208 N Mopac Expy, Austin, TX, 78758
New/Used Auto Loan
3.99%
12 to 84 Months
▼
APR3.99%
Term12 to 84 Months
Last UpdatedMar 15, 2026
Details
As Low As
Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
17 S 1st St, Temple, TX, 76501 7603
New Auto
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMar 15, 2026
Details
As Low As
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
506 W Lamar St, Sherman, TX, 75090 5840
New vehicles
3.99%
37-48 months
▼
APR3.99%
Term37-48 months
Last UpdatedMar 15, 2026
Details
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2610 Network Blvd Ste 600, Frisco, TX, 75034 6009
New Cars and Trucks
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedMar 17, 2026
Details
Seagoville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2209 N Highway 175, Seagoville, TX, 75159 2137
New Cars, Trucks, Vans
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedMar 11, 2026
Details
As Low As; $15,000 minimum Sticker Price
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 UpdatedMar 20, 2026
Details
As Low As
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.28%
3505 Wildewood Dr, San Angelo, TX, 76904
New Automobiles & Light Trucks
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedMar 16, 2026
Details
As Low As
Energy Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
18540 Northwest Fwy, Houston, TX, 77065
New Autos
4.00%
60 - 84
▼
APR4.00%
Term60 - 84
Last UpdatedMar 13, 2026
Details
As Low As
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
16597 Interstate 45 S, Conroe, TX, 77385
Auto Loan - New Vehicles
4.00%
24 Months
▼
APR4.00%
Term24 Months
Last UpdatedMar 13, 2026
Details
Concho Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.64%
1002 S Abe St, San Angelo, TX, 76903 7240
New Auto
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedMar 18, 2026
Details
As Low As; for 36 months
Service 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
10001 Jack Finney Blvd, Greenville, TX, 75402
New Vehicle
4.00%
94 Months
▼
APR4.00%
Term94 Months
Last UpdatedMar 17, 2026
Details
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.71%
100 Dominion Park Dr, Houston, TX, 77090 6716
Auto Loans (New & Used)
4.05%
Up to 36 Months
▼
APR4.05%
TermUp to 36 Months
Last UpdatedMar 15, 2026
Details
As Low As
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
100 N Kimball Ave Ste 103, Southlake, TX, 76092 8024
New Cars
4.09%
Up to 12 months
▼
APR4.09%
TermUp to 12 months
Last UpdatedMar 13, 2026
Details
Cherokee County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.87%
145 FM 2972 W, RUSK, TX, 75785
New Vehicles-W.A.C.- 2026-2024 Up to 72 months
4.10%
72 Months
▼
APR4.10%
Term72 Months
Last UpdatedMar 18, 2026
Details
Mesquite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.76%
1510 N Galloway Ave, Mesquite, TX, 75149
New and Used Vehicles
4.10%
Up to 72 Months
▼
APR4.10%
TermUp to 72 Months
Last UpdatedMar 20, 2026
Details
As Low As
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
16597 Interstate 45 S, Conroe, TX, 77385
Auto Loan - New Vehicles
4.12%
36 Months
▼
APR4.12%
Term36 Months
Last UpdatedMar 13, 2026
Details
Memorial Credit Union Houston, TX
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
7789 Southwest fwy Ste 175, Houston, TX, 77074 1831
New Autos
4.14%
84 Months
▼
APR4.14%
Term84 Months
Last UpdatedMar 20, 2026
Details
1
FAA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
16600 John F Kennedy Blvd, Houston, TX, 77032 6514
2025 & Newer Auto Loans
4.19%
36 Months
▼
APR4.19%
Term36 Months
Last UpdatedMar 18, 2026
Details
JSC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.82%
1330 Gemini St, Houston, TX, 77058
Auto Refinance 2025-2026 New
4.19%
48 Months
▼
APR4.19%
Term48 Months
Last UpdatedMar 15, 2026
Details
As Low As
City Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.82%
901 S LINCOLN ST, AMARILLO, TX, 79101 3637
New and Used Auto Loan
4.24%
36 Months
▼
APR4.24%
Term36 Months
Last UpdatedMar 16, 2026
Details
As Low As
Rockdale Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
1821 W Cameron Ave, Rockdale, TX, 76567
New Vehicles
4.24%
84 Months
▼
APR4.24%
Term84 Months
Last UpdatedMar 11, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto
4.24%
36 Months
▼
APR4.24%
Term36 Months
Last UpdatedMar 15, 2026
Details
As Low As
Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
17 S 1st St, Temple, TX, 76501 7603
New Auto
4.24%
60 Months
▼
APR4.24%
Term60 Months
Last UpdatedMar 15, 2026
Details
As Low As
Seagoville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2209 N Highway 175, Seagoville, TX, 75159 2137
New Cars, Trucks, Vans
4.25%
72 Months
▼
APR4.25%
Term72 Months
Last UpdatedMar 11, 2026
Details
As Low As; $25,000 minimum Sticker Price
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
16320 Kensington Dr, Sugar Land, TX, 77479 4097
New Automobile Loan
4.25%
Up to 36 Months
▼
APR4.25%
TermUp to 36 Months
Last UpdatedMar 20, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
14090 Southwest Fwy Ste 260, Sugar Land, TX, 77478 3678
New Auto Loan
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As; Qualifying rate - Conditions apply
Gulf Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
5140 W Parkway St, Groves, TX, 77619
New and Used Autos
4.25%
36 months
▼
APR4.25%
Term36 months
Last UpdatedMar 20, 2026
Details
As Low As
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
24909 Kuykendahl Rd, Tomball, TX, 77375 3295
NEW Autos Up to 48 Months
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMar 15, 2026
Details
As Low As
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
16597 Interstate 45 S, Conroe, TX, 77385
Auto Loan - New Vehicles
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMar 13, 2026
Details
Southern Star Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.41%
16035 W Little York Rd, Houston, TX, 77084
New Auto Loans
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedMar 15, 2026
Details
As Low As
Cherokee County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.87%
145 FM 2972 W, RUSK, TX, 75785
New Car Loan
4.35%
84 Months
▼
APR4.35%
Term84 Months
Last UpdatedMar 18, 2026
Details
As Low As
Cherokee County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.87%
145 FM 2972 W, RUSK, TX, 75785
New Vehicles-W.A.C.- 2026-2024 Up to 84 months
4.35%
84 Months
▼
APR4.35%
Term84 Months
Last UpdatedMar 18, 2026
Details
($35,000+ loan)
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
16597 Interstate 45 S, Conroe, TX, 77385
Auto Loan - New Vehicles
4.38%
60 Months
▼
APR4.38%
Term60 Months
Last UpdatedMar 13, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
2901 Sens Rd, La Porte, TX, 77571
New & Used Autos
4.39%
49 - 65 Months
▼
APR4.39%
Term49 - 65 Months
Last UpdatedMar 16, 2026
Details
Southwest Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.40%
1750 Valley View Ln Ste 110, Farmers Branch, TX, 75234 9024
New Auto
4.39%
72 Months
▼
APR4.39%
Term72 Months
Last UpdatedMar 17, 2026
Details
As Low As
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
2421 Westport Pkwy Ste 1300, Fort Worth, TX, 76177 5311
NEW Auto Loan
4.40%
36 Months
▼
APR4.40%
Term36 Months
Last UpdatedMar 16, 2026
Details
As Low As
FAA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
16600 John F Kennedy Blvd, Houston, TX, 77032 6514
2025 & Newer Auto Loans
4.44%
48 Months
▼
APR4.44%
Term48 Months
Last UpdatedMar 18, 2026
Details
Swemp Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
601 OLIVE ST, TEXARKANA, TX, 75501
New Autos
4.45%
84 Months
▼
APR4.45%
Term84 Months
Last UpdatedMar 15, 2026
Details
As Low As; * As Low As (Based On Credit Score And Loan Term)
4U Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
1312 Lawrence St, Gainesville, TX, 76240
New Auto Loan
4.45%
48 Months
▼
APR4.45%
Term48 Months
Last UpdatedMar 17, 2026
Details
As Low As
Texasgulf Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.70%
2101 N Fulton st, Wharton, TX, 77488
New or used vehicle
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMar 15, 2026
Details
As Low As
Lubbock Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2802 York Ave Unit D, LUBBOCK, TX, 79407 2632
New Auto Loan
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMar 15, 2026
Details
City Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.82%
901 S LINCOLN ST, AMARILLO, TX, 79101 3637
New and Used Auto Loan
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMar 16, 2026
Details
As Low As
JSC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.82%
1330 Gemini St, Houston, TX, 77058
Auto Refinance 2025-2026 New
4.49%
84 Months
▼
APR4.49%
Term84 Months
Last UpdatedMar 15, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
3301 Airport Fwy Ste 175, Bedford, TX, 76021 6123
New & Used Autos
4.49%
24 Months
▼
APR4.49%
Term24 Months
Last UpdatedMar 18, 2026
Details
As Low As
University Credit Union Los Angeles, CA
Institution Rating:
A-5.0 ★ Texas Ratio: 15.35%
701 College Dr, Abilene, TX, 79601
New and Used Auto
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMar 15, 2026
Details
As Low As
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
24909 Kuykendahl Rd, Tomball, TX, 77375 3295
NEW Autos Up to 60 Months
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMar 15, 2026
Details
As Low As
Access Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.15%
6401 Bell St, Amarillo, TX, 79109
New Vehicles - 5 years and newer**
4.49%
24 to 36
▼
APR4.49%
Term24 to 36
Last UpdatedMar 17, 2026
Details
Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.83%
4800 GROVER AVE, AUSTIN, TX, 78756
New and Used Vehicles
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMar 17, 2026
Details
As Low As
Prestige Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
15203 Knoll Trail Dr Ste 101, Dallas, TX, 75248
New Vehicle Loan (Car / Truck / SUV)
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMar 15, 2026
Details
As Low As; APR up to 18.00%
City Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.07%
7474 Ferguson Rd, Dallas, TX, 75228
New or Used Auto Loans
4.49%
24 Months
▼
APR4.49%
Term24 Months
Last UpdatedMar 18, 2026
Details
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.73%
13649 Montfort Dr, Dallas, TX, 75240 2521
New Auto Loans
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedMar 15, 2026
Details
As Low As
TEXAS TECH
Institution Rating:
A5.0 ★ Texas Ratio: 8.53%
1802 Texas Tech Parkway, Lubbock, TX, 79409
New Auto Loan
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMar 15, 2026
Details
Chartway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
9441 FM 1960 Bypass Rd W Ste 100, Humble, TX, 77338 4090
Auto Loan New 2025 (6,000 miles or less)
4.50%
1 to 48 months
▼
APR4.50%
Term1 to 48 months
Last UpdatedMar 18, 2026
Details
As Low As; Rates shown not available in VA, NC, UT, NV, and TX. Other rates subject to terms and are based on creditworthiness, therefore rates and terms may differ. Not all applicants will qualify for the lowest rate. Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
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 UpdatedMar 17, 2026
Details
Seagoville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2209 N Highway 175, Seagoville, TX, 75159 2137
New Cars, Trucks, Vans
4.50%
84 Months
▼
APR4.50%
Term84 Months
Last UpdatedMar 11, 2026
Details
As Low As; $40,000 minimum Sticker Price
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Education First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
199 S LHS Dr, Lumberton, TX, 77657
New and Used Vehicle Loan
3.25%
36 Months
▼
APR3.25%
Term36 Months
Last UpdatedMar 13, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
299 Country Lane Dr, Lumberton, TX, 77657
Used Auto Loan
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMar 15, 2026
Details
As Low As; All model years, Up to 36 months
Education First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
199 S LHS Dr, Lumberton, TX, 77657
New and Used Vehicle Loan
3.50%
48 Months
▼
APR3.50%
Term48 Months
Last UpdatedMar 13, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
299 Country Lane Dr, Lumberton, TX, 77657
Used Auto Loan
3.75%
48 Months
▼
APR3.75%
Term48 Months
Last UpdatedMar 15, 2026
Details
As Low As; All model years, Up to 48 months
Education First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
199 S LHS Dr, Lumberton, TX, 77657
New and Used Vehicle Loan
3.75%
60 Months
▼
APR3.75%
Term60 Months
Last UpdatedMar 13, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
299 Country Lane Dr, Lumberton, TX, 77657
Used Auto Loan
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedMar 15, 2026
Details
As Low As; 2020 & newer, Up to 60 months
Education First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
199 S LHS Dr, Lumberton, TX, 77657
New and Used Vehicle Loan
4.25%
72 Months
▼
APR4.25%
Term72 Months
Last UpdatedMar 13, 2026
Details
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
94 N Lhs Dr, Lumberton, TX, 77657 8627
Used Auto Loans
4.25%
0-24
▼
APR4.25%
Term0-24
Last UpdatedMar 20, 2026
Details
DUGOOD
Institution Rating:
F2.8 ★ Texas Ratio: 41.67%
695 N Main St, Lumberton, TX, 77657 7354
New & Used Auto Loan
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMar 13, 2026
Details
Vehicle Age: Up to 2026
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
299 Country Lane Dr, Lumberton, TX, 77657
Used Auto Loan
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedMar 15, 2026
Details
As Low As; 2022 & newer, Up to 72 months
Education First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
199 S LHS Dr, Lumberton, TX, 77657
New and Used Vehicle Loan
4.50%
78 Months
▼
APR4.50%
Term78 Months
Last UpdatedMar 13, 2026
Details
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
94 N Lhs Dr, Lumberton, TX, 77657 8627
Used Auto Loans
4.50%
49-60
▼
APR4.50%
Term49-60
Last UpdatedMar 20, 2026
Details
DUGOOD
Institution Rating:
F2.8 ★ Texas Ratio: 41.67%
695 N Main St, Lumberton, TX, 77657 7354
New & Used Auto Loan
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedMar 13, 2026
Details
Vehicle Age: 2022-2026
DUGOOD
Institution Rating:
F2.8 ★ Texas Ratio: 41.67%
695 N Main St, Lumberton, TX, 77657 7354
New & Used Auto Loan
4.60%
66 Months
▼
APR4.60%
Term66 Months
Last UpdatedMar 13, 2026
Details
Vehicle Age: 2023-2026
First Financial Bank (TX)
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
119 N Lhs Dr, Lumberton, TX, 77657
Used Car Loan
4.64%
48 Months
▼
APR4.64%
Term48 Months
Last UpdatedMar 18, 2026
Details
Rate shown includes .25% discount if you sign up for an auto-draft from a First Financial account
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
299 Country Lane Dr, Lumberton, TX, 77657
Used Auto Loan
4.75%
78 Months
▼
APR4.75%
Term78 Months
Last UpdatedMar 15, 2026
Details
As Low As; 2024 & newer, Up to 78 months
DUGOOD
Institution Rating:
F2.8 ★ Texas Ratio: 41.67%
695 N Main St, Lumberton, TX, 77657 7354
New & Used Auto Loan
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMar 13, 2026
Details
Vehicle Age: 2024-2026
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
94 N Lhs Dr, Lumberton, TX, 77657 8627
Used Auto Loans
4.99%
61-72
▼
APR4.99%
Term61-72
Last UpdatedMar 20, 2026
Details
Education First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
199 S LHS Dr, Lumberton, TX, 77657
New and Used Vehicle Loan
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedMar 13, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
299 Country Lane Dr, Lumberton, TX, 77657
Used Auto Loan
5.25%
84 Months
▼
APR5.25%
Term84 Months
Last UpdatedMar 15, 2026
Details
As Low As; 2025 & newer1, Up to 84 months
DUGOOD
Institution Rating:
F2.8 ★ Texas Ratio: 41.67%
695 N Main St, Lumberton, TX, 77657 7354
New & Used Auto Loan
5.25%
78 Months
▼
APR5.25%
Term78 Months
Last UpdatedMar 13, 2026
Details
Vehicle Age: 2025-2026
DUGOOD
Institution Rating:
F2.8 ★ Texas Ratio: 41.67%
695 N Main St, Lumberton, TX, 77657 7354
New & Used Auto Loan
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedMar 13, 2026
Details
Vehicle Age: New Autos Only
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2016-2017
2.00%
36 Months
▼
APR2.00%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2018-2020
2.00%
48 Months
▼
APR2.00%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2014-2015
2.25%
36 Months
▼
APR2.25%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2016-2017
2.25%
48 Months
▼
APR2.25%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2018-2020
2.25%
60 Months
▼
APR2.25%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2013 & Older
2.75%
36 Months
▼
APR2.75%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2014-2015
2.75%
48 Months
▼
APR2.75%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2016-2017
2.75%
60 Months
▼
APR2.75%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2018-2020
2.75%
72 Months
▼
APR2.75%
Term72 Months
Last UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
Lubrizol Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
205 Center St, Deer Park, TX, 77536 2735
New & Used Automobile
3.24%
24 Months
▼
APR3.24%
Term24 Months
Last UpdatedMar 20, 2026
Details
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
18211 Katy Fwy, Houston, TX, 77094 1395
New and Pre-Owned Autos
3.24%
12-36
▼
APR3.24%
Term12-36
Last UpdatedMar 20, 2026
Details
As Low As
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
18211 Katy Fwy, Houston, TX, 77094 1395
Pre-Owned Autos
3.24%
12 - 36
▼
APR3.24%
Term12 - 36
Last UpdatedMar 20, 2026
Details
As Low As
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
2901 Sens Rd, La Porte, TX, 77571
New & Used Autos
3.39%
Up to 36 Months
▼
APR3.39%
TermUp to 36 Months
Last UpdatedMar 16, 2026
Details
USE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
400 S Akard St, Dallas, TX, 75202 5324
New & Used Autos
3.49%
72 Months
▼
APR3.49%
Term72 Months
Last UpdatedMar 15, 2026
Details
As Low As
Victoria City County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.81%
205 N Bridge St Ste 111, Victoria, TX, 77901
New & Used Auto Loans
3.60%
36 to 72 Months
▼
APR3.60%
Term36 to 72 Months
Last UpdatedMar 15, 2026
Details
Port of Houston Warehouse Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
1717 East Loop N Ste 160, Houston, TX, 77029 4018
New/Used Auto
3.61%
36 Months
▼
APR3.61%
Term36 Months
Last UpdatedMar 15, 2026
Details
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2020 & Newer
3.65%
36 Months
▼
APR3.65%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2021 & Newer
3.65%
48 Months
▼
APR3.65%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2022 & Newer
3.65%
60 Months
▼
APR3.65%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2023 & Newer
3.65%
72 Months
▼
APR3.65%
Term72 Months
Last UpdatedMar 20, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2025 & Newer
3.67%
84 Months
▼
APR3.67%
Term84 Months
Last UpdatedMar 20, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
2900 Decker Dr, Baytown, TX, 77520 2076
Used Autos
3.74%
36 Months
▼
APR3.74%
Term36 Months
Last UpdatedMar 18, 2026
Details
As Low As; Fewer than 100,000 miles
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
2901 Sens Rd, La Porte, TX, 77571
New & Used Autos
3.89%
37-48 Months
▼
APR3.89%
Term37-48 Months
Last UpdatedMar 16, 2026
Details
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
2801 N 6th St, Abilene, TX, 79603
Used Auto Loans - Cars and Light Trucks 2024
3.90%
1 - 84
▼
APR3.90%
Term1 - 84
Last UpdatedMar 17, 2026
Details
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
2801 N 6th St, Abilene, TX, 79603
Used Auto Loans - Cars and Light Trucks 2025
3.90%
1 - 84
▼
APR3.90%
Term1 - 84
Last UpdatedMar 17, 2026
Details
Valwood Park Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
1001 E Crosby Rd, Carrollton, TX, 75006 7260
Used Auto/Refinance Auto
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedMar 15, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
14090 Southwest Fwy Ste 260, Sugar Land, TX, 77478 3678
Used Auto Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; (Up to 5 Years old / 2021+)
United Energy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.67%
8790 FM 1960 Bypass Rd W Ste 500A, Humble, TX, 77338 3950
New/Used Auto
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedMar 15, 2026
Details
80% Financing MSRP or NADA Retail (20% down)
Houston Highway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
8120 Washington Ave, Houston, TX, 77007
Used Vehicle Loan
3.99%
24 - 72+ Months
▼
APR3.99%
Term24 - 72+ Months
Last UpdatedMar 20, 2026
Details
United Heritage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.47%
12208 N Mopac Expy, Austin, TX, 78758
New/Used Auto Loan
3.99%
12 to 84 Months
▼
APR3.99%
Term12 to 84 Months
Last UpdatedMar 15, 2026
Details
As Low As
Seagoville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2209 N Highway 175, Seagoville, TX, 75159 2137
Used Cars, Trucks, Vans
4.00%
12 Months
▼
APR4.00%
Term12 Months
Last UpdatedMar 11, 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 UpdatedMar 20, 2026
Details
As Low As
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.28%
3505 Wildewood Dr, San Angelo, TX, 76904
Used Automobiles & Light Trucks
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedMar 16, 2026
Details
As Low As
Energy Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
18540 Northwest Fwy, Houston, TX, 77065
Used Autos
4.00%
60 - 84
▼
APR4.00%
Term60 - 84
Last UpdatedMar 13, 2026
Details
As Low As
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.71%
100 Dominion Park Dr, Houston, TX, 77090 6716
Auto Loans (New & Used)
4.05%
Up to 36 Months
▼
APR4.05%
TermUp to 36 Months
Last UpdatedMar 15, 2026
Details
As Low As
Mesquite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.76%
1510 N Galloway Ave, Mesquite, TX, 75149
New and Used Vehicles
4.10%
Up to 72 Months
▼
APR4.10%
TermUp to 72 Months
Last UpdatedMar 20, 2026
Details
As Low As
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
2801 N 6th St, Abilene, TX, 79603
Used Auto Loans - Cars and Light Trucks 2023
4.15%
1 - 78
▼
APR4.15%
Term1 - 78
Last UpdatedMar 17, 2026
Details
City Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.82%
901 S LINCOLN ST, AMARILLO, TX, 79101 3637
New and Used Auto Loan
4.24%
36 Months
▼
APR4.24%
Term36 Months
Last UpdatedMar 16, 2026
Details
As Low As
Seagoville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2209 N Highway 175, Seagoville, TX, 75159 2137
Used Cars, Trucks, Vans
4.25%
24 Months
▼
APR4.25%
Term24 Months
Last UpdatedMar 11, 2026
Details
As Low As
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
2801 N 6th St, Abilene, TX, 79603
Used Auto Loans - Cars and Light Trucks 2022
4.25%
1 - 72
▼
APR4.25%
Term1 - 72
Last UpdatedMar 17, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
16320 Kensington Dr, Sugar Land, TX, 77479 4097
Used Automobile Loan
4.25%
Up to 36
▼
APR4.25%
TermUp to 36
Last UpdatedMar 20, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
14090 Southwest Fwy Ste 260, Sugar Land, TX, 77478 3678
Used Auto Loan
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As; (Up to 5 Years old / 2021+)
Gulf Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
5140 W Parkway St, Groves, TX, 77619
New and Used Autos
4.25%
36 months
▼
APR4.25%
Term36 months
Last UpdatedMar 20, 2026
Details
As Low As
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
24909 Kuykendahl Rd, Tomball, TX, 77375 3295
USED Autos Up to 36 Months
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedMar 15, 2026
Details
As Low As
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
2801 N 6th St, Abilene, TX, 79603
Used Auto Loans - Cars and Light Trucks 2021
4.35%
1 - 66
▼
APR4.35%
Term1 - 66
Last UpdatedMar 17, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
2901 Sens Rd, La Porte, TX, 77571
New & Used Autos
4.39%
49 - 65 Months
▼
APR4.39%
Term49 - 65 Months
Last UpdatedMar 16, 2026
Details
Southwest Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.40%
1750 Valley View Ln Ste 110, Farmers Branch, TX, 75234 9024
Used Auto
4.39%
72 Months
▼
APR4.39%
Term72 Months
Last UpdatedMar 17, 2026
Details
As Low As
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
100 N Kimball Ave Ste 103, Southlake, TX, 76092 8024
Used Cars
4.39%
Up to 12 months
▼
APR4.39%
TermUp to 12 months
Last UpdatedMar 13, 2026
Details
Swemp Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
601 OLIVE ST, TEXARKANA, TX, 75501
Pre-Owned Autos
4.45%
84 Months
▼
APR4.45%
Term84 Months
Last UpdatedMar 15, 2026
Details
As Low As; * As Low As (Based On Credit Score And Loan Term)
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
2801 N 6th St, Abilene, TX, 79603
Used Auto Loans - Cars and Light Trucks 2020
4.45%
1 - 60
▼
APR4.45%
Term1 - 60
Last UpdatedMar 17, 2026
Details
Texasgulf Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.70%
2101 N Fulton st, Wharton, TX, 77488
New or used vehicle
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMar 15, 2026
Details
As Low As
City Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.82%
901 S LINCOLN ST, AMARILLO, TX, 79101 3637
New and Used Auto Loan
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMar 16, 2026
Details
As Low As
Valwood Park Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
1001 E Crosby Rd, Carrollton, TX, 75006 7260
Used Auto/Refinance Auto
4.49%
Up to 48 months
▼
APR4.49%
TermUp to 48 months
Last UpdatedMar 15, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
3301 Airport Fwy Ste 175, Bedford, TX, 76021 6123
New & Used Autos
4.49%
24 Months
▼
APR4.49%
Term24 Months
Last UpdatedMar 18, 2026
Details
As Low As
University Credit Union Los Angeles, CA
Institution Rating:
A-5.0 ★ Texas Ratio: 15.35%
701 College Dr, Abilene, TX, 79601
New and Used Auto
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMar 15, 2026
Details
As Low As
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.59%
2455 Stringer St, Brenham, TX, 77833
2023-2025 Used Vehicles
4.49%
Up to 48 Months
▼
APR4.49%
TermUp to 48 Months
Last UpdatedMar 18, 2026
Details
Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.83%
4800 GROVER AVE, AUSTIN, TX, 78756
New and Used Vehicles
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMar 17, 2026
Details
As Low As
Prestige Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
15203 Knoll Trail Dr Ste 101, Dallas, TX, 75248
Used Vehicle Loan (Car / Truck / SUV)
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMar 15, 2026
Details
As Low As
City Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.07%
7474 Ferguson Rd, Dallas, TX, 75228
New or Used Auto Loans
4.49%
24 Months
▼
APR4.49%
Term24 Months
Last UpdatedMar 18, 2026
Details
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.73%
13649 Montfort Dr, Dallas, TX, 75240 2521
Auto Loans Used
4.49%
54 Months
▼
APR4.49%
Term54 Months
Last UpdatedMar 15, 2026
Details
As Low As
Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
17 S 1st St, Temple, TX, 76501 7603
Pre-Owned Auto
4.49%
36-month
▼
APR4.49%
Term36-month
Last UpdatedMar 15, 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 UpdatedMar 17, 2026
Details
Seagoville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2209 N Highway 175, Seagoville, TX, 75159 2137
Used Cars, Trucks, Vans
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedMar 11, 2026
Details
As Low As
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Frequently Asked Questions about Auto Loans in Lumberton, 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 Lumberton, 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 Lumberton, 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 Lumberton, Texas?
Based on our current data, some of the lowest auto loan rates available in Lumberton, Texas include:
- Education First Federal Credit Union: 3.25% (New and Used Vehicle Loan)
- Neches Federal Credit Union: 3.50% (New Auto Loan)
- MCT Credit Union: 4.25% (New Auto Loans)
- DUGOOD: 4.25% (New & Used Auto Loan)
- First Financial Bank (TX): 4.29% (New Car Loan)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Lumberton, Texas. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: March 20, 2026
