Auto Loan Rates in Madisonville, Texas (TX) for May 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 Madisonville, Texas. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Madisonville, Texas include IBEW Local 66 Federal Credit UnionIBEW Local 66 Federal Credit UnionA+5.0 ★Texas Ratio: 1.98% offering New Automobile (NA) at 2.95%, TEXOMA EDUCATORSTEXOMA EDUCATORSA+5.0 ★Texas Ratio: 0.63% offering New vehicles at 2.99%, Lubrizol Employees Credit UnionLubrizol Employees Credit UnionA+5.0 ★Texas Ratio: 1.18% offering New & Used Automobile at 3.24%, Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 7.73% offering Auto Loans at 3.24%, Beacon Federal Credit UnionBeacon Federal Credit UnionA+5.0 ★Texas Ratio: 2.31% offering New & Used Autos at 3.39%. Auto loan rates as of May 7, 2026 according to verified data from MonitorBankRates.
Madisonville borrowers have access to 74 lenders serving the Texas area, with auto loan rates as low as 2.95% APR from IBEW Local 66 Federal Credit Union. Use the tabs below to compare new and used auto loan rates. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Madisonville, Texas. Auto Loan Rates Last Updated and Verified: May 7, 2026
Compare Auto Loan Rates Today in Madisonville, Texas & Surrounding Area
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
New Automobile (NA)
2.95%
0-36
▼
APR2.95%
Term0-36
Last UpdatedApr 18, 2026
Details
Grade: A+ (800+)
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
Pre-Owned (Used) Automobile (UA)
2.95%
0-36
▼
APR2.95%
Term0-36
Last UpdatedApr 18, 2026
Details
Grade A+ (800+)
APR2.99%
Term0-36
Last UpdatedMay 2, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New vehicles: 0-36 months
2.99%
36 Months
▼
APR2.99%
Term36 Months
Last UpdatedMay 2, 2026
Details
Lubrizol Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
New & Used Automobile
3.24%
24 Mo to 60 Mo
▼
APR3.24%
Term24 Mo to 60 Mo
Last UpdatedMay 2, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
3.24%
Auto Buying Service
▼
APR3.24%
TermAuto Buying Service
Last UpdatedMay 2, 2026
Details
As Low As; APR - 2026 & Newer
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New & Used Autos
3.39%
Up to 36 Months
▼
APR3.39%
TermUp to 36 Months
Last UpdatedMay 6, 2026
Details
As Low As
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
New Autos
3.49%
36 Months
▼
APR3.49%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As; Fewer than 7,500 miles
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
Used Autos
3.49%
36 Months
▼
APR3.49%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As; Fewer than 100,000 miles
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
New Auto Loan
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
Used Auto Loan
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As; All model years, Up to 36 months
Victoria City County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.81%
New & Used Auto Loans
3.58%
36 to 72 Months
▼
APR3.58%
Term36 to 72 Months
Last UpdatedMay 7, 2026
Details
Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
New Auto Loan
3.70%
75 Months
▼
APR3.70%
Term75 Months
Last UpdatedMay 6, 2026
Details
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
New & Used - Automobiles Year Models - 2020 & Newer
3.73%
Up to 36 Months
▼
APR3.73%
TermUp to 36 Months
Last UpdatedMay 2, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
3.74%
Up to 36 Months
▼
APR3.74%
TermUp to 36 Months
Last UpdatedMay 7, 2026
Details
As Low As
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
New Auto Loan
3.75%
48 Months
▼
APR3.75%
Term48 Months
Last UpdatedMay 6, 2026
Details
As Low As
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
Used Auto Loan
3.75%
48 Months
▼
APR3.75%
Term48 Months
Last UpdatedMay 6, 2026
Details
As Low As; All model years, Up to 48 months
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
New & Used - Automobiles Year Models - 2021 & Newer
3.80%
37 - 48 Months
▼
APR3.80%
Term37 - 48 Months
Last UpdatedMay 2, 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%
New & Used - Automobiles Year Models - 2022 & Newer
3.86%
49 - 60 Months
▼
APR3.86%
Term49 - 60 Months
Last UpdatedMay 2, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New & Used Autos
3.89%
37-48 Months
▼
APR3.89%
Term37-48 Months
Last UpdatedMay 6, 2026
Details
As Low As
Americas Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.51%
Auto Loans
3.89%
36 Months
▼
APR3.89%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As; Fixed-Rate up to 36 months
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
New & Used - Automobiles Year Models - 2023 & Newer
3.92%
61 - 72 Months
▼
APR3.92%
Term61 - 72 Months
Last UpdatedMay 2, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
Auto Loans - Used & New
3.94%
0-36
▼
APR3.94%
Term0-36
Last UpdatedApr 19, 2026
Details
As Low As
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
New Automobile (NA)
3.95%
37-60
▼
APR3.95%
Term37-60
Last UpdatedApr 18, 2026
Details
Grade: A+ (800+)
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
Pre-Owned (Used) Automobile (UA)
3.95%
37-60
▼
APR3.95%
Term37-60
Last UpdatedApr 18, 2026
Details
Grade A+ (800+)
Domino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New and Used Autos
3.95%
36 Months
▼
APR3.95%
Term36 Months
Last UpdatedMay 7, 2026
Details
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
New & Used - Automobiles Year Models - 2025 & Newer
3.98%
73 - 84 Months
▼
APR3.98%
Term73 - 84 Months
Last UpdatedMay 2, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
Repo Vehicle Loans
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedMay 4, 2026
Details
City of Deer Park Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
Auto Loan A+
3.99%
0-48
▼
APR3.99%
Term0-48
Last UpdatedMay 7, 2026
Details
TruGrocer Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.15%
Vehicle Loan
3.99%
24 Months
▼
APR3.99%
Term24 Months
Last UpdatedMay 7, 2026
Details
As Low As; 24 month to 84 month terms
Rockdale Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
New Vehicles
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedApr 18, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
New Auto Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 7, 2026
Details
As Low As; Qualifying rate - Conditions apply
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
Used Auto Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 7, 2026
Details
As Low As; (Up to 5 Years old / 2021+)
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.73%
New Auto Loans
3.99%
54 months
▼
APR3.99%
Term54 months
Last UpdatedApr 19, 2026
Details
As Low As
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
New Auto
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedApr 19, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
3.99%
0 - 75 Months
▼
APR3.99%
Term0 - 75 Months
Last UpdatedMay 2, 2026
Details
As Low As; APR - 2026 & Newer
First Service Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.02%
Auto Loan
3.99%
36 - 84
▼
APR3.99%
Term36 - 84
Last UpdatedMay 2, 2026
Details
As Low As
APR3.99%
Term36-month
Last UpdatedMay 2, 2026
Details
As Low As
APR3.99%
Term37-48
Last UpdatedMay 2, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New vehicles: 37-48 months
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedMay 2, 2026
Details
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Cars and Trucks
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedMay 6, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
New Auto Loan
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
Used Auto Loan
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As; 2020 & newer, Up to 60 months
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
New & Used Auto
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.28%
New Automobiles & Light Trucks
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.28%
Used Automobiles & Light Trucks
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As
Starr County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
Auto Purchases
4.00%
84 Months
▼
APR4.00%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As
Starr County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
Auto Refinances
4.00%
84 Months
▼
APR4.00%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As
Energy Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
New Autos
4.00%
60 - 84
▼
APR4.00%
Term60 - 84
Last UpdatedMay 2, 2026
Details
Energy Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
Used Autos
4.00%
60 - 84
▼
APR4.00%
Term60 - 84
Last UpdatedMay 2, 2026
Details
Concho Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.64%
New Auto
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As; for 36 months
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.71%
Auto Loans (New & Used)
4.05%
36 Months
▼
APR4.05%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As; 2019-2025 Model Years
Mesquite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.76%
New and Used Vehicles
4.10%
Up to 72 Months
▼
APR4.10%
TermUp to 72 Months
Last UpdatedApr 19, 2026
Details
As Low As
Memorial Credit Union Houston, TX
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
New Autos
4.14%
Up to 84 Months
▼
APR4.14%
TermUp to 84 Months
Last UpdatedMay 2, 2026
Details
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
Auto Loans - Used & New
4.14%
49-60
▼
APR4.14%
Term49-60
Last UpdatedApr 19, 2026
Details
As Low As
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Used Auto
4.24%
Up to 36 Months
▼
APR4.24%
TermUp to 36 Months
Last UpdatedMay 7, 2026
Details
As Low As
APR4.24%
Term60-month
Last UpdatedMay 2, 2026
Details
As Low As
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
New Automobile Loan
4.25%
Up to 36
▼
APR4.25%
TermUp to 36
Last UpdatedMay 7, 2026
Details
As Low As
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
Used Automobile Loan
4.25%
Up to 36
▼
APR4.25%
TermUp to 36
Last UpdatedMay 7, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
New Auto Loan
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMay 7, 2026
Details
As Low As; Qualifying rate - Conditions apply
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
Used Auto Loan
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMay 7, 2026
Details
As Low As; (Up to 5 Years old / 2021+)
APR4.25%
Term0-24
Last UpdatedMay 2, 2026
Details
APR4.25%
Term0-24
Last UpdatedMay 2, 2026
Details
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
Auto Loans - Used & New
4.29%
61-72
▼
APR4.29%
Term61-72
Last UpdatedApr 19, 2026
Details
As Low As
Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
Auto Loans
4.29%
48 Months
▼
APR4.29%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
New Autos
4.29%
48 Months
▼
APR4.29%
Term48 Months
Last UpdatedMay 2, 2026
Details
As Low As; Fewer than 7,500 miles
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
Used Autos
4.29%
48 Months
▼
APR4.29%
Term48 Months
Last UpdatedMay 2, 2026
Details
As Low As; Fewer than 100,000 miles
Cherokee County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.87%
New Car Loan
4.35%
84 Months
▼
APR4.35%
Term84 Months
Last UpdatedMay 6, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
New & Used Vehicles
4.35%
60 Months
▼
APR4.35%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
Vehicle Loans
4.35%
60 months
▼
APR4.35%
Term60 months
Last UpdatedMay 7, 2026
Details
As Low As
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.48%
New And Used Autos
4.39%
Up to 36
▼
APR4.39%
TermUp to 36
Last UpdatedMay 6, 2026
Details
As Low As
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New & Used Autos
4.39%
49 - 65 Months
▼
APR4.39%
Term49 - 65 Months
Last UpdatedMay 6, 2026
Details
As Low As
Southwest Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.40%
New Auto
4.39%
72 Months
▼
APR4.39%
Term72 Months
Last UpdatedMay 7, 2026
Details
As Low As
Southwest Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.40%
Used Auto
4.39%
72 Months
▼
APR4.39%
Term72 Months
Last UpdatedMay 7, 2026
Details
As Low As
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
NEW Auto Loan
4.40%
36 Months
▼
APR4.40%
Term36 Months
Last UpdatedMay 7, 2026
Details
As Low As
Swemp Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
New Autos
4.45%
84 Months
▼
APR4.45%
Term84 Months
Last UpdatedMay 6, 2026
Details
As Low As; * As Low As (Based On Credit Score And Loan Term)
Swemp Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
Pre-Owned Autos
4.45%
84 Months
▼
APR4.45%
Term84 Months
Last UpdatedMay 6, 2026
Details
As Low As; * As Low As (Based On Credit Score And Loan Term)
Texasgulf Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.70%
New or used vehicle
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As
Gulf Shore Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.87%
Autos 2026-2022
4.49%
0-24
▼
APR4.49%
Term0-24
Last UpdatedMay 6, 2026
Details
As Low As
Lubbock Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Auto Loan
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMay 6, 2026
Details
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
New Vehicle
4.49%
Up to 48 Months
▼
APR4.49%
TermUp to 48 Months
Last UpdatedMay 7, 2026
Details
Domino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New and Used Autos
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedMay 7, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
4.49%
Up to 60 months
▼
APR4.49%
TermUp to 60 months
Last UpdatedMay 7, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
Auto Loans
4.49%
24 Mos.
▼
APR4.49%
Term24 Mos.
Last UpdatedMay 2, 2026
Details
As Low As; 4.49%
Germania Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicle
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMay 2, 2026
Details
As Low As; Up to 125% of MSRP with approved credit.
Access Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.15%
New Vehicles - 5 years and newer**
4.49%
24 to 36
▼
APR4.49%
Term24 to 36
Last UpdatedApr 19, 2026
Details
Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.83%
New and Used Vehicles
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As; Up to 48 Months
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.73%
Auto Loans Used
4.49%
54 months
▼
APR4.49%
Term54 months
Last UpdatedApr 19, 2026
Details
As Low As
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.73%
New Auto Loans
4.49%
72 months
▼
APR4.49%
Term72 months
Last UpdatedApr 19, 2026
Details
As Low As
Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
Auto Loans
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
New Auto
4.49%
Up to 48 months
▼
APR4.49%
TermUp to 48 months
Last UpdatedApr 19, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
4.49%
Auto Buying Service
▼
APR4.49%
TermAuto Buying Service
Last UpdatedMay 2, 2026
Details
As Low As; APR - 2023 - 2025*
APR4.49%
Term72-month
Last UpdatedMay 2, 2026
Details
As Low As
Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
Pre-Owned Auto
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As
APR4.49%
Term48 Months
Last UpdatedMay 2, 2026
Details
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Cars and Trucks
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedMay 6, 2026
Details
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Cars and Trucks
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedMay 6, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
New Auto Loan
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedMay 6, 2026
Details
As Low As
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
Used Auto Loan
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedMay 6, 2026
Details
As Low As; 2022 & newer, Up to 72 months
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
New & Used Auto
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedMay 6, 2026
Details
As Low As
Port Arthur Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
New Car
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedMay 6, 2026
Details
up to 60 month financing available
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
New Automobile Loan
4.50%
37 - 48
▼
APR4.50%
Term37 - 48
Last UpdatedMay 7, 2026
Details
As Low As
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
Used Automobile Loan
4.50%
37 - 48 Months
▼
APR4.50%
Term37 - 48 Months
Last UpdatedMay 7, 2026
Details
As Low As
Common Cents Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.15%
Auto Loan
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedMay 7, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
New Auto Loan
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As; Qualifying rate - Conditions apply
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
Used Auto Loan
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As; (Up to 5 Years old / 2021+)
Concho Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.64%
New Auto
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As; for 48 months
APR4.50%
Term49-60
Last UpdatedMay 2, 2026
Details
APR4.50%
Term49-60
Last UpdatedMay 2, 2026
Details
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.48%
New And Used Autos
4.54%
49 - 60
▼
APR4.54%
Term49 - 60
Last UpdatedMay 6, 2026
Details
As Low As
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
New Autos
4.54%
71 Months
▼
APR4.54%
Term71 Months
Last UpdatedMay 2, 2026
Details
As Low As; Fewer than 7,500 miles
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
Used Autos
4.54%
71 Months
▼
APR4.54%
Term71 Months
Last UpdatedMay 2, 2026
Details
As Low As; Fewer than 100,000 miles
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
Car Loans
4.55%
2 Months
▼
APR4.55%
Term2 Months
Last UpdatedMay 6, 2026
Details
2011 to 2015 Model Year
Libertyone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.98%
New and Used Automobiles
4.55%
24 months
▼
APR4.55%
Term24 months
Last UpdatedMay 2, 2026
Details
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.21%
Used Auto Loan
4.59%
72 Months
▼
APR4.59%
Term72 Months
Last UpdatedMay 6, 2026
Details
As Low As; Loyalty Plus & Online Application Discount
Keystone Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.48%
New Vehicle
4.59%
60 Months
▼
APR4.59%
Term60 Months
Last UpdatedApr 19, 2026
Details
Cherokee County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.87%
Used Car Loan
4.60%
72 Months
▼
APR4.60%
Term72 Months
Last UpdatedMay 6, 2026
Details
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.48%
New And Used Autos
4.64%
37 - 48
▼
APR4.64%
Term37 - 48
Last UpdatedMay 6, 2026
Details
As Low As
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New & Used Autos
4.64%
66 - 74 Months
▼
APR4.64%
Term66 - 74 Months
Last UpdatedMay 6, 2026
Details
As Low As
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
New Vehicle
4.64%
Up to 60 Months
▼
APR4.64%
TermUp to 60 Months
Last UpdatedMay 7, 2026
Details
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.73%
Auto Loans Refinance
4.64%
54 months
▼
APR4.64%
Term54 months
Last UpdatedApr 19, 2026
Details
As Low As
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
Car Loans
4.65%
3 Months
▼
APR4.65%
Term3 Months
Last UpdatedMay 6, 2026
Details
2016 to 2019 Model Year
Chocolate Bayou Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.27%
Auto Loans Up to 60 Months
4.67%
60 Months
▼
APR4.67%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loan
4.69%
Up to 24 months
▼
APR4.69%
TermUp to 24 months
Last UpdatedMay 6, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loans
4.69%
Up to 24 months
▼
APR4.69%
TermUp to 24 months
Last UpdatedMay 6, 2026
Details
As Low As
Rockdale Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
New Vehicles
4.69%
48 Months
▼
APR4.69%
Term48 Months
Last UpdatedApr 18, 2026
Details
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
car loans risk grade a++
4.70%
2 Yrs
▼
APR4.70%
Term2 Yrs
Last UpdatedMay 6, 2026
Details
2011 to 2015
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
Auto Loans
4.74%
36 months
▼
APR4.74%
Term36 months
Last UpdatedMay 6, 2026
Details
As Low As; Qualified buyers: Take 90 days to make your first payment.
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
Used Auto Loans
4.74%
36 months
▼
APR4.74%
Term36 months
Last UpdatedMay 6, 2026
Details
As Low As; Qualified buyers: Take 90 days to make your first payment.
Lubbock Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Auto Loan
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedMay 6, 2026
Details
Lubbock Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Auto Loan
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMay 6, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
Auto Loans
4.74%
48 Mos.
▼
APR4.74%
Term48 Mos.
Last UpdatedMay 2, 2026
Details
As Low As; 4.74%
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.73%
Auto Loans Used
4.74%
72 months
▼
APR4.74%
Term72 months
Last UpdatedApr 19, 2026
Details
As Low As
Keystone Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.48%
New Vehicle
4.74%
78 Months
▼
APR4.74%
Term78 Months
Last UpdatedApr 19, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
New Auto Loan Up to 36 Months
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As
Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
Pre-Owned Auto
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedMay 2, 2026
Details
As Low As
APR4.74%
Term60 Months
Last UpdatedMay 2, 2026
Details
APR4.74%
Term48 Months
Last UpdatedMay 2, 2026
Details
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
Car Loans
4.75%
4 Months
▼
APR4.75%
Term4 Months
Last UpdatedMay 6, 2026
Details
2020 to 2024 Model Year
Healthcare Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
New Autos: 2025 - 2026, Demos < 10,000 Miles
4.75%
Up to 48 months
▼
APR4.75%
TermUp to 48 months
Last UpdatedMay 6, 2026
Details
Healthcare Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
Used Autos: 2017 - 2025
4.75%
Up to 48 months
▼
APR4.75%
TermUp to 48 months
Last UpdatedMay 6, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
New Auto Loan
4.75%
78 Months
▼
APR4.75%
Term78 Months
Last UpdatedMay 6, 2026
Details
As Low As
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
Used Auto Loan
4.75%
78 Months
▼
APR4.75%
Term78 Months
Last UpdatedMay 6, 2026
Details
As Low As; 2024 & newer, Up to 78 months
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
New & Used Auto
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.28%
New Automobiles & Light Trucks
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.28%
Used Automobiles & Light Trucks
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
New & Used Vehicles
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMay 7, 2026
Details
As Low As
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
Vehicle Loans
4.75%
72 months
▼
APR4.75%
Term72 months
Last UpdatedMay 7, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
New Auto Loan
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMay 7, 2026
Details
As Low As; Qualifying rate - Conditions apply
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
Used Auto Loan
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMay 7, 2026
Details
As Low As; (Up to 5 Years old / 2021+)
Libertyone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.98%
New and Used Automobiles
4.75%
36 months
▼
APR4.75%
Term36 months
Last UpdatedMay 2, 2026
Details
Concho Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.64%
New Auto
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As; for 60 months
Eastman Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
New Auto
4.75%
36 - 120 months
▼
APR4.75%
Term36 - 120 months
Last UpdatedMay 2, 2026
Details
As Low As
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.48%
New And Used Autos
4.79%
61 - 75
▼
APR4.79%
Term61 - 75
Last UpdatedMay 6, 2026
Details
As Low As
MilWay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
New/Used Vehicles (2026-older)
4.79%
Up to 51 Months
▼
APR4.79%
TermUp to 51 Months
Last UpdatedMay 7, 2026
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
Auto Loans
4.79%
66 Months
▼
APR4.79%
Term66 Months
Last UpdatedApr 19, 2026
Details
As Low As
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.00%
New and Used Auto Loans
4.79%
36 months or less
▼
APR4.79%
Term36 months or less
Last UpdatedMay 2, 2026
Details
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of May 02, 2026. Rates are subject to change without notice.
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
car loans risk grade a++
4.80%
3 Yrs
▼
APR4.80%
Term3 Yrs
Last UpdatedMay 6, 2026
Details
2016 to 2019
APR4.80%
Term0 - 48
Last UpdatedMay 2, 2026
Details
As Low As
Members Choice of Central Texas Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
Vehicle Loan
4.84%
60 Months
▼
APR4.84%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.00%
New and Used Auto Loans
4.84%
37 - 48 months
▼
APR4.84%
Term37 - 48 months
Last UpdatedMay 2, 2026
Details
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of May 02, 2026. Rates are subject to change without notice.
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
Car Loans
4.85%
5 Months
▼
APR4.85%
Term5 Months
Last UpdatedMay 6, 2026
Details
2025 to 2027 Model Year
BELTON
Institution Rating:
A-5.0 ★ Texas Ratio: 15.16%
New Vehicle 2025 and newer
4.85%
48 Months
▼
APR4.85%
Term48 Months
Last UpdatedMay 2, 2026
Details
As Low As; rates are set according to credit rating
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loan
4.89%
36 months
▼
APR4.89%
Term36 months
Last UpdatedMay 6, 2026
Details
As Low As
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
New Vehicle
4.89%
Up to 72 Months
▼
APR4.89%
TermUp to 72 Months
Last UpdatedMay 7, 2026
Details
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.00%
New and Used Auto Loans
4.89%
49 - 60 months
▼
APR4.89%
Term49 - 60 months
Last UpdatedMay 2, 2026
Details
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of May 02, 2026. Rates are subject to change without notice.
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
Auto Loans
4.90%
48 months
▼
APR4.90%
Term48 months
Last UpdatedMay 6, 2026
Details
As Low As; Qualified buyers: Take 90 days to make your first payment.
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
Used Auto Loans
4.90%
48 months
▼
APR4.90%
Term48 months
Last UpdatedMay 6, 2026
Details
As Low As; Qualified buyers: Take 90 days to make your first payment.
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
New & Used Vehicle Promo
4.90%
48 Months
▼
APR4.90%
Term48 Months
Last UpdatedMay 6, 2026
Details
As Low As; A+, A , and B tier credit score applicants
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
car loans risk grade a++
4.90%
4 Yrs
▼
APR4.90%
Term4 Yrs
Last UpdatedMay 6, 2026
Details
2020 to 2024
BELTON
Institution Rating:
A-5.0 ★ Texas Ratio: 15.16%
New Vehicle 2025 and newer
4.90%
60 Months
▼
APR4.90%
Term60 Months
Last UpdatedMay 2, 2026
Details
As Low As; rates are set according to credit rating
Chocolate Bayou Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.27%
Auto Loans Up to 72 Months
4.92%
72 Months
▼
APR4.92%
Term72 Months
Last UpdatedMay 7, 2026
Details
As Low As
Keystone Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.48%
Used Vehicle
4.94%
60 Months
▼
APR4.94%
Term60 Months
Last UpdatedApr 19, 2026
Details
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
Car Loans
4.95%
6 Months
▼
APR4.95%
Term6 Months
Last UpdatedMay 6, 2026
Details
2025 to 2027 Model Year
Neiman Marcus Group Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
New Cars
4.95%
60 Months
▼
APR4.95%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As
Neiman Marcus Group Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
New Cars Up to 60 Months
4.95%
60 Months
▼
APR4.95%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
New Automobile Loan
4.95%
49 - 60
▼
APR4.95%
Term49 - 60
Last UpdatedMay 7, 2026
Details
As Low As
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
Used Automobile Loan
4.95%
49 - 60 Months
▼
APR4.95%
Term49 - 60 Months
Last UpdatedMay 7, 2026
Details
As Low As
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
Classic Car A+
4.95%
0-36
▼
APR4.95%
Term0-36
Last UpdatedApr 18, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
New Automobile (NA)
4.95%
61-72
▼
APR4.95%
Term61-72
Last UpdatedApr 18, 2026
Details
Grade: A+ (800+)
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
Pre-Owned (Used) Automobile (UA)
4.95%
61-72
▼
APR4.95%
Term61-72
Last UpdatedApr 18, 2026
Details
Grade A+ (800+)
Libertyone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.98%
New and Used Automobiles
4.95%
48 months
▼
APR4.95%
Term48 months
Last UpdatedMay 2, 2026
Details
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
Auto Loan
4.99%
1 to 48
▼
APR4.99%
Term1 to 48
Last UpdatedMay 4, 2026
Details
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
Auto Loans
4.99%
1 to 48 Months
▼
APR4.99%
Term1 to 48 Months
Last UpdatedMay 4, 2026
Details
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
Automobiles & Light-Duty Trucks
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMay 5, 2026
Details
As Low As; Model Year New - 2025
Members Choice of Central Texas Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
Vehicle Loan
4.99%
61-75
▼
APR4.99%
Term61-75
Last UpdatedMay 6, 2026
Details
As Low As
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
Auto Loans
4.99%
0 - 60 months
▼
APR4.99%
Term0 - 60 months
Last UpdatedMay 6, 2026
Details
As Low As
Lubbock Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Auto Loan
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMay 6, 2026
Details
Lubbock Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Auto Loan
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 6, 2026
Details
APR4.99%
Term72 Months
Last UpdatedMay 6, 2026
Details
As Low As; up to 72 months
Healthcare Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
New Autos: 2025 - 2026, Demos < 10,000 Miles
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedMay 6, 2026
Details
Healthcare Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
Used Autos: 2017 - 2025
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedMay 6, 2026
Details
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.87%
Auto Loans
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedMay 6, 2026
Details
As Low As; for 84 months for NEW & USED VEHICLES
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.21%
New Auto Loan
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMay 6, 2026
Details
As Low As
City of Deer Park Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
Auto Loan A
4.99%
0-48
▼
APR4.99%
Term0-48
Last UpdatedMay 7, 2026
Details
City of Deer Park Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
Auto Loan A+
4.99%
0-60
▼
APR4.99%
Term0-60
Last UpdatedMay 7, 2026
Details
Rockdale Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
NEW VEHICLES
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As
Rockdale Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
Used Vehicles
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedApr 18, 2026
Details
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
NEW Auto Loan
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
USED Auto Loan
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMay 7, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
New Automobile (NA)
2.95%
0-36
▼
APR2.95%
Term0-36
Last UpdatedApr 18, 2026
Details
Grade: A+ (800+)
APR2.99%
Term0-36
Last UpdatedMay 2, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New vehicles: 0-36 months
2.99%
36 Months
▼
APR2.99%
Term36 Months
Last UpdatedMay 2, 2026
Details
Lubrizol Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
New & Used Automobile
3.24%
24 Mo to 60 Mo
▼
APR3.24%
Term24 Mo to 60 Mo
Last UpdatedMay 2, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New & Used Autos
3.39%
Up to 36 Months
▼
APR3.39%
TermUp to 36 Months
Last UpdatedMay 6, 2026
Details
As Low As
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
New Autos
3.49%
36 Months
▼
APR3.49%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As; Fewer than 7,500 miles
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
New Auto Loan
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As
Victoria City County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.81%
New & Used Auto Loans
3.58%
36 to 72 Months
▼
APR3.58%
Term36 to 72 Months
Last UpdatedMay 7, 2026
Details
Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
New Auto Loan
3.70%
75 Months
▼
APR3.70%
Term75 Months
Last UpdatedMay 6, 2026
Details
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
New & Used - Automobiles Year Models - 2020 & Newer
3.73%
Up to 36 Months
▼
APR3.73%
TermUp to 36 Months
Last UpdatedMay 2, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
3.74%
Up to 36 Months
▼
APR3.74%
TermUp to 36 Months
Last UpdatedMay 7, 2026
Details
As Low As
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
New Auto Loan
3.75%
48 Months
▼
APR3.75%
Term48 Months
Last UpdatedMay 6, 2026
Details
As Low As
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
New & Used - Automobiles Year Models - 2021 & Newer
3.80%
37 - 48 Months
▼
APR3.80%
Term37 - 48 Months
Last UpdatedMay 2, 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%
New & Used - Automobiles Year Models - 2022 & Newer
3.86%
49 - 60 Months
▼
APR3.86%
Term49 - 60 Months
Last UpdatedMay 2, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New & Used Autos
3.89%
37-48 Months
▼
APR3.89%
Term37-48 Months
Last UpdatedMay 6, 2026
Details
As Low As
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
New & Used - Automobiles Year Models - 2023 & Newer
3.92%
61 - 72 Months
▼
APR3.92%
Term61 - 72 Months
Last UpdatedMay 2, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
Auto Loans - Used & New
3.94%
0-36
▼
APR3.94%
Term0-36
Last UpdatedApr 19, 2026
Details
As Low As
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
New Automobile (NA)
3.95%
37-60
▼
APR3.95%
Term37-60
Last UpdatedApr 18, 2026
Details
Grade: A+ (800+)
Domino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New and Used Autos
3.95%
36 Months
▼
APR3.95%
Term36 Months
Last UpdatedMay 7, 2026
Details
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
New & Used - Automobiles Year Models - 2025 & Newer
3.98%
73 - 84 Months
▼
APR3.98%
Term73 - 84 Months
Last UpdatedMay 2, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
Rockdale Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
New Vehicles
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedApr 18, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
New Auto Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 7, 2026
Details
As Low As; Qualifying rate - Conditions apply
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.73%
New Auto Loans
3.99%
54 months
▼
APR3.99%
Term54 months
Last UpdatedApr 19, 2026
Details
As Low As
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
New Auto
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedApr 19, 2026
Details
As Low As
APR3.99%
Term36-month
Last UpdatedMay 2, 2026
Details
As Low As
APR3.99%
Term37-48
Last UpdatedMay 2, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New vehicles: 37-48 months
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedMay 2, 2026
Details
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Cars and Trucks
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedMay 6, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
New Auto Loan
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
New & Used Auto
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.28%
New Automobiles & Light Trucks
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As
Energy Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
New Autos
4.00%
60 - 84
▼
APR4.00%
Term60 - 84
Last UpdatedMay 2, 2026
Details
Concho Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.64%
New Auto
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As; for 36 months
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.71%
Auto Loans (New & Used)
4.05%
36 Months
▼
APR4.05%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As; 2019-2025 Model Years
Mesquite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.76%
New and Used Vehicles
4.10%
Up to 72 Months
▼
APR4.10%
TermUp to 72 Months
Last UpdatedApr 19, 2026
Details
As Low As
Memorial Credit Union Houston, TX
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
New Autos
4.14%
Up to 84 Months
▼
APR4.14%
TermUp to 84 Months
Last UpdatedMay 2, 2026
Details
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
Auto Loans - Used & New
4.14%
49-60
▼
APR4.14%
Term49-60
Last UpdatedApr 19, 2026
Details
As Low As
APR4.24%
Term60-month
Last UpdatedMay 2, 2026
Details
As Low As
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
New Automobile Loan
4.25%
Up to 36
▼
APR4.25%
TermUp to 36
Last UpdatedMay 7, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
New Auto Loan
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMay 7, 2026
Details
As Low As; Qualifying rate - Conditions apply
APR4.25%
Term0-24
Last UpdatedMay 2, 2026
Details
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
Auto Loans - Used & New
4.29%
61-72
▼
APR4.29%
Term61-72
Last UpdatedApr 19, 2026
Details
As Low As
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
New Autos
4.29%
48 Months
▼
APR4.29%
Term48 Months
Last UpdatedMay 2, 2026
Details
As Low As; Fewer than 7,500 miles
Cherokee County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.87%
New Car Loan
4.35%
84 Months
▼
APR4.35%
Term84 Months
Last UpdatedMay 6, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
New & Used Vehicles
4.35%
60 Months
▼
APR4.35%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.48%
New And Used Autos
4.39%
Up to 36
▼
APR4.39%
TermUp to 36
Last UpdatedMay 6, 2026
Details
As Low As
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New & Used Autos
4.39%
49 - 65 Months
▼
APR4.39%
Term49 - 65 Months
Last UpdatedMay 6, 2026
Details
As Low As
Southwest Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.40%
New Auto
4.39%
72 Months
▼
APR4.39%
Term72 Months
Last UpdatedMay 7, 2026
Details
As Low As
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
NEW Auto Loan
4.40%
36 Months
▼
APR4.40%
Term36 Months
Last UpdatedMay 7, 2026
Details
As Low As
Swemp Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
New Autos
4.45%
84 Months
▼
APR4.45%
Term84 Months
Last UpdatedMay 6, 2026
Details
As Low As; * As Low As (Based On Credit Score And Loan Term)
Texasgulf Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.70%
New or used vehicle
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As
Lubbock Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Auto Loan
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMay 6, 2026
Details
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
New Vehicle
4.49%
Up to 48 Months
▼
APR4.49%
TermUp to 48 Months
Last UpdatedMay 7, 2026
Details
Domino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New and Used Autos
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedMay 7, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
4.49%
Up to 60 months
▼
APR4.49%
TermUp to 60 months
Last UpdatedMay 7, 2026
Details
As Low As
Germania Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicle
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMay 2, 2026
Details
As Low As; Up to 125% of MSRP with approved credit.
Access Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.15%
New Vehicles - 5 years and newer**
4.49%
24 to 36
▼
APR4.49%
Term24 to 36
Last UpdatedApr 19, 2026
Details
Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.83%
New and Used Vehicles
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As; Up to 48 Months
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.73%
New Auto Loans
4.49%
72 months
▼
APR4.49%
Term72 months
Last UpdatedApr 19, 2026
Details
As Low As
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
New Auto
4.49%
Up to 48 months
▼
APR4.49%
TermUp to 48 months
Last UpdatedApr 19, 2026
Details
As Low As
APR4.49%
Term72-month
Last UpdatedMay 2, 2026
Details
As Low As
APR4.49%
Term48 Months
Last UpdatedMay 2, 2026
Details
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Cars and Trucks
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedMay 6, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
New Auto Loan
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedMay 6, 2026
Details
As Low As
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
New & Used Auto
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedMay 6, 2026
Details
As Low As
Port Arthur Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
New Car
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedMay 6, 2026
Details
up to 60 month financing available
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
New Automobile Loan
4.50%
37 - 48
▼
APR4.50%
Term37 - 48
Last UpdatedMay 7, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
New Auto Loan
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As; Qualifying rate - Conditions apply
Concho Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.64%
New Auto
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As; for 48 months
APR4.50%
Term49-60
Last UpdatedMay 2, 2026
Details
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.48%
New And Used Autos
4.54%
49 - 60
▼
APR4.54%
Term49 - 60
Last UpdatedMay 6, 2026
Details
As Low As
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
New Autos
4.54%
71 Months
▼
APR4.54%
Term71 Months
Last UpdatedMay 2, 2026
Details
As Low As; Fewer than 7,500 miles
Libertyone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.98%
New and Used Automobiles
4.55%
24 months
▼
APR4.55%
Term24 months
Last UpdatedMay 2, 2026
Details
Keystone Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.48%
New Vehicle
4.59%
60 Months
▼
APR4.59%
Term60 Months
Last UpdatedApr 19, 2026
Details
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.48%
New And Used Autos
4.64%
37 - 48
▼
APR4.64%
Term37 - 48
Last UpdatedMay 6, 2026
Details
As Low As
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New & Used Autos
4.64%
66 - 74 Months
▼
APR4.64%
Term66 - 74 Months
Last UpdatedMay 6, 2026
Details
As Low As
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
New Vehicle
4.64%
Up to 60 Months
▼
APR4.64%
TermUp to 60 Months
Last UpdatedMay 7, 2026
Details
Rockdale Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
New Vehicles
4.69%
48 Months
▼
APR4.69%
Term48 Months
Last UpdatedApr 18, 2026
Details
Lubbock Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Auto Loan
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedMay 6, 2026
Details
Keystone Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.48%
New Vehicle
4.74%
78 Months
▼
APR4.74%
Term78 Months
Last UpdatedApr 19, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
New Auto Loan Up to 36 Months
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As
APR4.74%
Term60 Months
Last UpdatedMay 2, 2026
Details
Healthcare Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
New Autos: 2025 - 2026, Demos < 10,000 Miles
4.75%
Up to 48 months
▼
APR4.75%
TermUp to 48 months
Last UpdatedMay 6, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
New Auto Loan
4.75%
78 Months
▼
APR4.75%
Term78 Months
Last UpdatedMay 6, 2026
Details
As Low As
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
New & Used Auto
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.28%
New Automobiles & Light Trucks
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
New & Used Vehicles
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMay 7, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
New Auto Loan
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMay 7, 2026
Details
As Low As; Qualifying rate - Conditions apply
Libertyone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.98%
New and Used Automobiles
4.75%
36 months
▼
APR4.75%
Term36 months
Last UpdatedMay 2, 2026
Details
Concho Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.64%
New Auto
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As; for 60 months
Eastman Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
New Auto
4.75%
36 - 120 months
▼
APR4.75%
Term36 - 120 months
Last UpdatedMay 2, 2026
Details
As Low As
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.48%
New And Used Autos
4.79%
61 - 75
▼
APR4.79%
Term61 - 75
Last UpdatedMay 6, 2026
Details
As Low As
MilWay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
New/Used Vehicles (2026-older)
4.79%
Up to 51 Months
▼
APR4.79%
TermUp to 51 Months
Last UpdatedMay 7, 2026
Details
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.00%
New and Used Auto Loans
4.79%
36 months or less
▼
APR4.79%
Term36 months or less
Last UpdatedMay 2, 2026
Details
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of May 02, 2026. Rates are subject to change without notice.
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.00%
New and Used Auto Loans
4.84%
37 - 48 months
▼
APR4.84%
Term37 - 48 months
Last UpdatedMay 2, 2026
Details
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of May 02, 2026. Rates are subject to change without notice.
BELTON
Institution Rating:
A-5.0 ★ Texas Ratio: 15.16%
New Vehicle 2025 and newer
4.85%
48 Months
▼
APR4.85%
Term48 Months
Last UpdatedMay 2, 2026
Details
As Low As; rates are set according to credit rating
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
New Vehicle
4.89%
Up to 72 Months
▼
APR4.89%
TermUp to 72 Months
Last UpdatedMay 7, 2026
Details
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.00%
New and Used Auto Loans
4.89%
49 - 60 months
▼
APR4.89%
Term49 - 60 months
Last UpdatedMay 2, 2026
Details
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of May 02, 2026. Rates are subject to change without notice.
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
New & Used Vehicle Promo
4.90%
48 Months
▼
APR4.90%
Term48 Months
Last UpdatedMay 6, 2026
Details
As Low As; A+, A , and B tier credit score applicants
BELTON
Institution Rating:
A-5.0 ★ Texas Ratio: 15.16%
New Vehicle 2025 and newer
4.90%
60 Months
▼
APR4.90%
Term60 Months
Last UpdatedMay 2, 2026
Details
As Low As; rates are set according to credit rating
Neiman Marcus Group Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
New Cars
4.95%
60 Months
▼
APR4.95%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As
Neiman Marcus Group Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
New Cars Up to 60 Months
4.95%
60 Months
▼
APR4.95%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
New Automobile Loan
4.95%
49 - 60
▼
APR4.95%
Term49 - 60
Last UpdatedMay 7, 2026
Details
As Low As
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
New Automobile (NA)
4.95%
61-72
▼
APR4.95%
Term61-72
Last UpdatedApr 18, 2026
Details
Grade: A+ (800+)
Libertyone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.98%
New and Used Automobiles
4.95%
48 months
▼
APR4.95%
Term48 months
Last UpdatedMay 2, 2026
Details
Lubbock Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Auto Loan
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMay 6, 2026
Details
APR4.99%
Term72 Months
Last UpdatedMay 6, 2026
Details
As Low As; up to 72 months
Healthcare Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
New Autos: 2025 - 2026, Demos < 10,000 Miles
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedMay 6, 2026
Details
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.21%
New Auto Loan
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMay 6, 2026
Details
As Low As
Rockdale Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
NEW VEHICLES
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
NEW Auto Loan
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
Pre-Owned (Used) Automobile (UA)
2.95%
0-36
▼
APR2.95%
Term0-36
Last UpdatedApr 18, 2026
Details
Grade A+ (800+)
Lubrizol Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
New & Used Automobile
3.24%
24 Mo to 60 Mo
▼
APR3.24%
Term24 Mo to 60 Mo
Last UpdatedMay 2, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New & Used Autos
3.39%
Up to 36 Months
▼
APR3.39%
TermUp to 36 Months
Last UpdatedMay 6, 2026
Details
As Low As
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
Used Autos
3.49%
36 Months
▼
APR3.49%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As; Fewer than 100,000 miles
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
Used Auto Loan
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As; All model years, Up to 36 months
Victoria City County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.81%
New & Used Auto Loans
3.58%
36 to 72 Months
▼
APR3.58%
Term36 to 72 Months
Last UpdatedMay 7, 2026
Details
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
New & Used - Automobiles Year Models - 2020 & Newer
3.73%
Up to 36 Months
▼
APR3.73%
TermUp to 36 Months
Last UpdatedMay 2, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
Used Auto Loan
3.75%
48 Months
▼
APR3.75%
Term48 Months
Last UpdatedMay 6, 2026
Details
As Low As; All model years, Up to 48 months
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
New & Used - Automobiles Year Models - 2021 & Newer
3.80%
37 - 48 Months
▼
APR3.80%
Term37 - 48 Months
Last UpdatedMay 2, 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%
New & Used - Automobiles Year Models - 2022 & Newer
3.86%
49 - 60 Months
▼
APR3.86%
Term49 - 60 Months
Last UpdatedMay 2, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New & Used Autos
3.89%
37-48 Months
▼
APR3.89%
Term37-48 Months
Last UpdatedMay 6, 2026
Details
As Low As
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
New & Used - Automobiles Year Models - 2023 & Newer
3.92%
61 - 72 Months
▼
APR3.92%
Term61 - 72 Months
Last UpdatedMay 2, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
Auto Loans - Used & New
3.94%
0-36
▼
APR3.94%
Term0-36
Last UpdatedApr 19, 2026
Details
As Low As
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
Pre-Owned (Used) Automobile (UA)
3.95%
37-60
▼
APR3.95%
Term37-60
Last UpdatedApr 18, 2026
Details
Grade A+ (800+)
Domino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New and Used Autos
3.95%
36 Months
▼
APR3.95%
Term36 Months
Last UpdatedMay 7, 2026
Details
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
New & Used - Automobiles Year Models - 2025 & Newer
3.98%
73 - 84 Months
▼
APR3.98%
Term73 - 84 Months
Last UpdatedMay 2, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
Used Auto Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 7, 2026
Details
As Low As; (Up to 5 Years old / 2021+)
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
Used Auto Loan
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As; 2020 & newer, Up to 60 months
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
New & Used Auto
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.28%
Used Automobiles & Light Trucks
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As
Energy Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
Used Autos
4.00%
60 - 84
▼
APR4.00%
Term60 - 84
Last UpdatedMay 2, 2026
Details
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.71%
Auto Loans (New & Used)
4.05%
36 Months
▼
APR4.05%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As; 2019-2025 Model Years
Mesquite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.76%
New and Used Vehicles
4.10%
Up to 72 Months
▼
APR4.10%
TermUp to 72 Months
Last UpdatedApr 19, 2026
Details
As Low As
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
Auto Loans - Used & New
4.14%
49-60
▼
APR4.14%
Term49-60
Last UpdatedApr 19, 2026
Details
As Low As
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Used Auto
4.24%
Up to 36 Months
▼
APR4.24%
TermUp to 36 Months
Last UpdatedMay 7, 2026
Details
As Low As
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
Used Automobile Loan
4.25%
Up to 36
▼
APR4.25%
TermUp to 36
Last UpdatedMay 7, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
Used Auto Loan
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMay 7, 2026
Details
As Low As; (Up to 5 Years old / 2021+)
APR4.25%
Term0-24
Last UpdatedMay 2, 2026
Details
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
Auto Loans - Used & New
4.29%
61-72
▼
APR4.29%
Term61-72
Last UpdatedApr 19, 2026
Details
As Low As
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
Used Autos
4.29%
48 Months
▼
APR4.29%
Term48 Months
Last UpdatedMay 2, 2026
Details
As Low As; Fewer than 100,000 miles
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
New & Used Vehicles
4.35%
60 Months
▼
APR4.35%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.48%
New And Used Autos
4.39%
Up to 36
▼
APR4.39%
TermUp to 36
Last UpdatedMay 6, 2026
Details
As Low As
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New & Used Autos
4.39%
49 - 65 Months
▼
APR4.39%
Term49 - 65 Months
Last UpdatedMay 6, 2026
Details
As Low As
Southwest Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.40%
Used Auto
4.39%
72 Months
▼
APR4.39%
Term72 Months
Last UpdatedMay 7, 2026
Details
As Low As
Swemp Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
Pre-Owned Autos
4.45%
84 Months
▼
APR4.45%
Term84 Months
Last UpdatedMay 6, 2026
Details
As Low As; * As Low As (Based On Credit Score And Loan Term)
Texasgulf Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.70%
New or used vehicle
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As
Domino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New and Used Autos
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedMay 7, 2026
Details
Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.83%
New and Used Vehicles
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As; Up to 48 Months
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.73%
Auto Loans Used
4.49%
54 months
▼
APR4.49%
Term54 months
Last UpdatedApr 19, 2026
Details
As Low As
Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
Pre-Owned Auto
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Cars and Trucks
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedMay 6, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
Used Auto Loan
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedMay 6, 2026
Details
As Low As; 2022 & newer, Up to 72 months
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
New & Used Auto
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedMay 6, 2026
Details
As Low As
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
Used Automobile Loan
4.50%
37 - 48 Months
▼
APR4.50%
Term37 - 48 Months
Last UpdatedMay 7, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
Used Auto Loan
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As; (Up to 5 Years old / 2021+)
APR4.50%
Term49-60
Last UpdatedMay 2, 2026
Details
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.48%
New And Used Autos
4.54%
49 - 60
▼
APR4.54%
Term49 - 60
Last UpdatedMay 6, 2026
Details
As Low As
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
Used Autos
4.54%
71 Months
▼
APR4.54%
Term71 Months
Last UpdatedMay 2, 2026
Details
As Low As; Fewer than 100,000 miles
Libertyone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.98%
New and Used Automobiles
4.55%
24 months
▼
APR4.55%
Term24 months
Last UpdatedMay 2, 2026
Details
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.21%
Used Auto Loan
4.59%
72 Months
▼
APR4.59%
Term72 Months
Last UpdatedMay 6, 2026
Details
As Low As; Loyalty Plus & Online Application Discount
Cherokee County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.87%
Used Car Loan
4.60%
72 Months
▼
APR4.60%
Term72 Months
Last UpdatedMay 6, 2026
Details
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.48%
New And Used Autos
4.64%
37 - 48
▼
APR4.64%
Term37 - 48
Last UpdatedMay 6, 2026
Details
As Low As
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New & Used Autos
4.64%
66 - 74 Months
▼
APR4.64%
Term66 - 74 Months
Last UpdatedMay 6, 2026
Details
As Low As
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
Used Auto Loans
4.74%
36 months
▼
APR4.74%
Term36 months
Last UpdatedMay 6, 2026
Details
As Low As; Qualified buyers: Take 90 days to make your first payment.
Lubbock Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Auto Loan
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMay 6, 2026
Details
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.73%
Auto Loans Used
4.74%
72 months
▼
APR4.74%
Term72 months
Last UpdatedApr 19, 2026
Details
As Low As
Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
Pre-Owned Auto
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedMay 2, 2026
Details
As Low As
APR4.74%
Term48 Months
Last UpdatedMay 2, 2026
Details
Healthcare Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
Used Autos: 2017 - 2025
4.75%
Up to 48 months
▼
APR4.75%
TermUp to 48 months
Last UpdatedMay 6, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
Used Auto Loan
4.75%
78 Months
▼
APR4.75%
Term78 Months
Last UpdatedMay 6, 2026
Details
As Low As; 2024 & newer, Up to 78 months
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
New & Used Auto
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.28%
Used Automobiles & Light Trucks
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
New & Used Vehicles
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMay 7, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
Used Auto Loan
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMay 7, 2026
Details
As Low As; (Up to 5 Years old / 2021+)
Libertyone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.98%
New and Used Automobiles
4.75%
36 months
▼
APR4.75%
Term36 months
Last UpdatedMay 2, 2026
Details
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.48%
New And Used Autos
4.79%
61 - 75
▼
APR4.79%
Term61 - 75
Last UpdatedMay 6, 2026
Details
As Low As
MilWay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
New/Used Vehicles (2026-older)
4.79%
Up to 51 Months
▼
APR4.79%
TermUp to 51 Months
Last UpdatedMay 7, 2026
Details
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.00%
New and Used Auto Loans
4.79%
36 months or less
▼
APR4.79%
Term36 months or less
Last UpdatedMay 2, 2026
Details
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of May 02, 2026. Rates are subject to change without notice.
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.00%
New and Used Auto Loans
4.84%
37 - 48 months
▼
APR4.84%
Term37 - 48 months
Last UpdatedMay 2, 2026
Details
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of May 02, 2026. Rates are subject to change without notice.
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.00%
New and Used Auto Loans
4.89%
49 - 60 months
▼
APR4.89%
Term49 - 60 months
Last UpdatedMay 2, 2026
Details
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of May 02, 2026. Rates are subject to change without notice.
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
Used Auto Loans
4.90%
48 months
▼
APR4.90%
Term48 months
Last UpdatedMay 6, 2026
Details
As Low As; Qualified buyers: Take 90 days to make your first payment.
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
New & Used Vehicle Promo
4.90%
48 Months
▼
APR4.90%
Term48 Months
Last UpdatedMay 6, 2026
Details
As Low As; A+, A , and B tier credit score applicants
Keystone Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.48%
Used Vehicle
4.94%
60 Months
▼
APR4.94%
Term60 Months
Last UpdatedApr 19, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
Used Automobile Loan
4.95%
49 - 60 Months
▼
APR4.95%
Term49 - 60 Months
Last UpdatedMay 7, 2026
Details
As Low As
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
Pre-Owned (Used) Automobile (UA)
4.95%
61-72
▼
APR4.95%
Term61-72
Last UpdatedApr 18, 2026
Details
Grade A+ (800+)
Libertyone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.98%
New and Used Automobiles
4.95%
48 months
▼
APR4.95%
Term48 months
Last UpdatedMay 2, 2026
Details
Lubbock Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Auto Loan
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 6, 2026
Details
APR4.99%
Term72 Months
Last UpdatedMay 6, 2026
Details
As Low As; up to 72 months
Healthcare Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
Used Autos: 2017 - 2025
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedMay 6, 2026
Details
Rockdale Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
Used Vehicles
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedApr 18, 2026
Details
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
USED Auto Loan
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMay 7, 2026
Details
As Low As
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Madisonville, TX Auto Loan Rate Trends
Compare local Madisonville, TX auto loan rates against the statewide average
Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
New Auto Loan — TX Avg
5.455%
▲ 0.243 vs 7 days ago
Texas new auto rates rose 0.243 points over the past 7 days to 5.455% APR.
Used Auto Loan — TX Avg
5.750%
▲ 0.073 vs 7 days ago
Texas used auto rates rose 0.073 points over the past 7 days to 5.750% APR.
As of May 8, 2026 • Rate data sourced from 8,500+ monitored institutions
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Frequently Asked Questions about Auto Loans in Madisonville, 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 Madisonville, 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 Madisonville, 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 Madisonville, Texas?
Based on our current data, some of the lowest auto loan rates available in Madisonville, Texas include:
- IBEW Local 66 Federal Credit Union: 2.95% (New Automobile (NA))
- TEXOMA EDUCATORS: 2.99% (New vehicles)
- Lubrizol Employees Credit Union: 3.24% (New & Used Automobile)
- Baxter Credit Union: 3.24% (Auto Loans)
- Beacon Federal Credit Union: 3.39% (New & Used Autos)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Madisonville, Texas. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 7, 2026
Rate Assistant
MonitorBankRates.com · Live Data
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