Auto Loan Rates in North Houston, Texas (TX) for July 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in North Houston, Texas. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in North Houston, Texas include IBEW Local 66 Federal Credit UnionIBEW Local 66 Federal Credit UnionA+5.0 ★Texas Ratio: 1.92% offering New Vehicles, New Automobile (NA) - A+ (800 at 2.95%, TEXOMA EDUCATORSTEXOMA EDUCATORSA+5.0 ★Texas Ratio: 2.34% offering New vehicles Loan at 2.99%, Lubrizol Employees Credit UnionLubrizol Employees Credit UnionA+5.0 ★Texas Ratio: 1.17% offering New & Used Automobile at 3.24%, Members Choice Credit UnionMembers Choice Credit UnionA5.0 ★Texas Ratio: 7.88% offering New and Pre-Owned Autos at 3.24%, American Airlines Federal Credit UnionAmerican Airlines Federal Credit UnionA+5.0 ★Texas Ratio: 2.51% offering New Auto at 3.34%. Auto loan rates as of July 7, 2026 according to verified data from MonitorBankRates.
North Houston borrowers have access to 78 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 North Houston, Texas. Auto Loan Rates Last Updated and Verified: July 7, 2026
Compare Auto Loan Rates Today in North Houston, Texas & Surrounding Area
North Houston Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
New Vehicles, New Automobile (NA) - A+ (800
2.95%
0-36 Months
▼
APR2.95%
Term0-36 Months
Last UpdatedJul 7, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Pre-Owned (Used) Automobile (UA) A+ (800
2.95%
0-36 Months
▼
APR2.95%
Term0-36 Months
Last UpdatedJul 7, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
New vehicles Loan
2.99%
0-36 months
▼
APR2.99%
Term0-36 months
Last UpdatedJul 7, 2026
Details
Rates below are based on a minimum credit score of 700.
Lubrizol Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.17%
New & Used Automobile
3.24%
24 Mo to 60 Mo
▼
APR3.24%
Term24 Mo to 60 Mo
Last UpdatedJun 16, 2026
Details
APR*
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
New and Pre-Owned Autos
3.24%
12-36 Months
▼
APR3.24%
Term12-36 Months
Last UpdatedJul 7, 2026
Details
As low as 3.24% APR*, plus free GAP! APR=Annual Percentage Rate. Terms and conditions apply. Click for full details.
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
New Auto
3.34%
Up to 36 Months
▼
APR3.34%
TermUp to 36 Months
Last UpdatedJun 16, 2026
Details
As low as
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
New & Used Autos
3.39%
Up to 36 Months
▼
APR3.39%
TermUp to 36 Months
Last UpdatedJul 6, 2026
Details
APR = Annual Percentage Rate. All Rates & Terms are subject to change without notice.
InvesTex Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
New and Used Auto Loan
3.49%
Up to 36 Months
▼
APR3.49%
TermUp to 36 Months
Last UpdatedJun 29, 2026
Details
USE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.86%
New & Used Autos
3.49%
2025 and newer up to 72 months; 2022 - 2024 up to 60 months; 2021 and older up t
▼
APR3.49%
Term2025 and newer up to 72 months; 2022 - 2024 up to 60 months; 2021 and older up t
Last UpdatedJul 6, 2026
Details
As Low As; *
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
New Auto Loan
3.50%
36 months
▼
APR3.50%
Term36 months
Last UpdatedJun 23, 2026
Details
As Low As; Minimum Invoice Amount: $30,000
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
Used Auto Loan
3.50%
Up to 36 months
▼
APR3.50%
TermUp to 36 months
Last UpdatedJun 23, 2026
Details
As Low As; Vehicles with less than 20k miles
Victoria City County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
New & Used Auto Loans
3.56%
36 to 72** Months
▼
APR3.56%
Term36 to 72** Months
Last UpdatedJun 16, 2026
Details
Fixed
InvesTex Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
New and Used Auto Loan
3.69%
Up to 48 Months
▼
APR3.69%
TermUp to 48 Months
Last UpdatedJun 29, 2026
Details
Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
New Auto Loan
3.70%
up to 75 Months
▼
APR3.70%
Termup to 75 Months
Last UpdatedJul 6, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
New Auto Loan
3.75%
48 months
▼
APR3.75%
Term48 months
Last UpdatedJun 23, 2026
Details
As Low As; Minimum Invoice Amount: $30,000
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
Used Auto Loan
3.75%
Up to 48 months
▼
APR3.75%
TermUp to 48 months
Last UpdatedJun 23, 2026
Details
As Low As; Vehicles with less than 20k miles
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Used Auto
3.84%
Up to 36 Months
▼
APR3.84%
TermUp to 36 Months
Last UpdatedJun 16, 2026
Details
As low as
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
New & Used Autos
3.89%
37-48 Months
▼
APR3.89%
Term37-48 Months
Last UpdatedJul 6, 2026
Details
APR = Annual Percentage Rate. All Rates & Terms are subject to change without notice.
Everman Parkway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
Auto Loans
3.89%
36 months
▼
APR3.89%
Term36 months
Last UpdatedJul 7, 2026
Details
Fixed-Rate up to 36 months as low as 3.89% APR
Americas Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
Auto Loans
3.89%
36 months
▼
APR3.89%
Term36 months
Last UpdatedJul 7, 2026
Details
Fixed-Rate up to 36 months as low as 3.89% APR
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
Used & New Auto Loans
3.94%
0-36 months
▼
APR3.94%
Term0-36 months
Last UpdatedJul 7, 2026
Details
As Low As; *
Domino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New and Used Autos
3.95%
Up to 36 Months
▼
APR3.95%
TermUp to 36 Months
Last UpdatedJun 16, 2026
Details
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
New Auto Loans - Cars and Light Trucks
3.95%
1 - 84 months
▼
APR3.95%
Term1 - 84 months
Last UpdatedJun 23, 2026
Details
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
Used Auto Loans - Cars and Light Trucks - 2024
3.95%
1 - 84 months
▼
APR3.95%
Term1 - 84 months
Last UpdatedJun 23, 2026
Details
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
Used Auto Loans - Cars and Light Trucks - 2025
3.95%
1 - 84 months
▼
APR3.95%
Term1 - 84 months
Last UpdatedJun 23, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
New Vehicles, New Automobile (NA) - A (720-799)
3.95%
0-36 Months
▼
APR3.95%
Term0-36 Months
Last UpdatedJul 7, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
New Vehicles, New Automobile (NA) - A+ (800
3.95%
37-60 Months
▼
APR3.95%
Term37-60 Months
Last UpdatedJul 7, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Pre-Owned (Used) Automobile (UA) A (720-799)
3.95%
0-36 Months
▼
APR3.95%
Term0-36 Months
Last UpdatedJul 7, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Pre-Owned (Used) Automobile (UA) A+ (800
3.95%
37-60 Months
▼
APR3.95%
Term37-60 Months
Last UpdatedJul 7, 2026
Details
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
Repo Vehicle Loans
3.99%
60 Months Fixed Rate.
▼
APR3.99%
Term60 Months Fixed Rate.
Last UpdatedJun 16, 2026
Details
Annual Percentage Rate (APR)
Rockdale Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
New Vehicles Loan
3.99%
Up to 84 Months
▼
APR3.99%
TermUp to 84 Months
Last UpdatedJun 16, 2026
Details
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
Auto Loan
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedJun 23, 2026
Details
Maximum Loan Discount: 0.75%
APR3.99%
Term36-month
Last UpdatedJun 27, 2026
Details
As Low As; Estimated Payment: $29.52 per $1,000 for 36 months
InvesTex Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
New and Used Auto Loan
3.99%
Up to 60 Months
▼
APR3.99%
TermUp to 60 Months
Last UpdatedJun 29, 2026
Details
Austin Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.18%
Used Vehicles Loan
3.99%
48 months
▼
APR3.99%
Term48 months
Last UpdatedJul 6, 2026
Details
Texasgulf Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
New or used vehicle Loan
3.99%
up to 36 months
▼
APR3.99%
Termup to 36 months
Last UpdatedJul 6, 2026
Details
As Low As; New or used vehicle up to 36 months.
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
New Auto Loans
3.99%
54 months or Less
▼
APR3.99%
Term54 months or Less
Last UpdatedJul 7, 2026
Details
As Low As; New Auto Loans
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
Vehicle Loans
3.99%
54 Months
▼
APR3.99%
Term54 Months
Last UpdatedJul 7, 2026
Details
As low as; Finance a new or used vehicle or refinance from another lender.
Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
Auto Loans
3.99%
up to 36 months
▼
APR3.99%
Termup to 36 months
Last UpdatedJul 7, 2026
Details
As Low As; *
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
New vehicles Loan
3.99%
37-48 months
▼
APR3.99%
Term37-48 months
Last UpdatedJul 7, 2026
Details
Rates below are based on a minimum credit score of 700.
Energy Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.19%
New Autos
4.00%
48 - 84 months
▼
APR4.00%
Term48 - 84 months
Last UpdatedJun 16, 2026
Details
Model year 2023 or newer
Energy Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.19%
Used Autos
4.00%
48 - 84 months
▼
APR4.00%
Term48 - 84 months
Last UpdatedJun 16, 2026
Details
Model year 2022 or older
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
New Auto Loan
4.00%
60 months
▼
APR4.00%
Term60 months
Last UpdatedJun 23, 2026
Details
As Low As; Minimum Invoice Amount: $30,000
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
Used Auto Loan
4.00%
Up to 60 months
▼
APR4.00%
TermUp to 60 months
Last UpdatedJun 23, 2026
Details
As Low As; 2020 & newer; Vehicles with less than 20k miles
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 UpdatedJun 23, 2026
Details
As Low As
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.62%
New Automobiles & Light Trucks
4.00%
36 mos.
▼
APR4.00%
Term36 mos.
Last UpdatedJun 23, 2026
Details
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.62%
Used Automobiles & Light Trucks
4.00%
36 mos.
▼
APR4.00%
Term36 mos.
Last UpdatedJun 23, 2026
Details
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Cars and Trucks Loan
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedJul 6, 2026
Details
Concho Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New Auto
4.00%
36 months
▼
APR4.00%
Term36 months
Last UpdatedJul 7, 2026
Details
As Low As; Maximum Loan: 100%
Concho Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
Used Autos
4.00%
24 to 60 months
▼
APR4.00%
Term24 to 60 months
Last UpdatedJul 7, 2026
Details
As Low As; Maximum Loan: NADA RETAIL VALUE
Service 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
New Vehicle Loan
4.00%
up to 94 months
▼
APR4.00%
Termup to 94 months
Last UpdatedJul 7, 2026
Details
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
Auto Loans (New & Used)
4.05%
Up to 36 Months
▼
APR4.05%
TermUp to 36 Months
Last UpdatedJul 6, 2026
Details
As Low As; Model Years: 2019-2025
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
New & Used Auto Loans
4.05%
Up to 36 Months
▼
APR4.05%
TermUp to 36 Months
Last UpdatedJul 6, 2026
Details
As Low As; Model Years: 2019-2025
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
New Auto
4.09%
Up to 60 months
▼
APR4.09%
TermUp to 60 months
Last UpdatedJun 16, 2026
Details
As low as
Mesquite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
New and Used Vehicles Loan
4.10%
Up to 72 Months
▼
APR4.10%
TermUp to 72 Months
Last UpdatedJul 7, 2026
Details
As Low As
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
Used & New Auto Loans
4.14%
49-60 months
▼
APR4.14%
Term49-60 months
Last UpdatedJul 7, 2026
Details
As Low As; *
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
Used Auto Loans - Cars and Light Trucks - 2023
4.20%
1 - 78 months
▼
APR4.20%
Term1 - 78 months
Last UpdatedJun 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New & Used Autos
4.24%
24 Mos.
▼
APR4.24%
Term24 Mos.
Last UpdatedJun 16, 2026
Details
As Low As; Up to 120% Financing on Approved Credit
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
Auto Loan
4.24%
Up to 48 months
▼
APR4.24%
TermUp to 48 months
Last UpdatedJun 23, 2026
Details
Maximum Loan Discount: 0.75%
APR4.24%
Term60-month
Last UpdatedJun 27, 2026
Details
As Low As; Estimated Payment: $18.53 per $1,000 for 60 months
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
2024 or Newer Vehicle Loan
4.25%
1-36 Months
▼
APR4.25%
Term1-36 Months
Last UpdatedJun 23, 2026
Details
Rates by Year: 2024 or Newer; Tier Level: Up to 3 Years (1-36M); Equifax Score: 750+
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
New Auto Loans
4.25%
0-24 months
▼
APR4.25%
Term0-24 months
Last UpdatedJun 29, 2026
Details
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
Used Auto Loans
4.25%
0-24 months
▼
APR4.25%
Term0-24 months
Last UpdatedJun 29, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
New Automobile Loan
4.25%
Up to 36 Months
▼
APR4.25%
TermUp to 36 Months
Last UpdatedJul 6, 2026
Details
As Low As; Fixed Rate
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
Used Automobile Loan
4.25%
Up to 36 Months
▼
APR4.25%
TermUp to 36 Months
Last UpdatedJul 6, 2026
Details
As Low As; Fixed Rate
The Peoples Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.36%
New & Used Vehicles Loan
4.29%
3 yrs*
▼
APR4.29%
Term3 yrs*
Last UpdatedJun 23, 2026
Details
As low as; Rate includes both discounts
InvesTex Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
New and Used Auto Loan
4.29%
Up to 72 Months
▼
APR4.29%
TermUp to 72 Months
Last UpdatedJun 29, 2026
Details
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
Used & New Auto Loans
4.29%
61-72 months
▼
APR4.29%
Term61-72 months
Last UpdatedJul 7, 2026
Details
As Low As; *
Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
Auto Loans
4.29%
up to 48 months
▼
APR4.29%
Termup to 48 months
Last UpdatedJul 7, 2026
Details
As Low As
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
Used Auto Loans - Cars and Light Trucks - 2022
4.30%
1 - 72 months
▼
APR4.30%
Term1 - 72 months
Last UpdatedJun 23, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
New & Used Vehicles - 60 months Loan
4.35%
60 months
▼
APR4.35%
Term60 months
Last UpdatedJun 26, 2026
Details
As Low As
Southwest Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.85%
New Auto
4.39%
Up to 72 months
▼
APR4.39%
TermUp to 72 months
Last UpdatedJul 6, 2026
Details
As Low As; *
Southwest Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.85%
Used Auto
4.39%
Up to 72 months
▼
APR4.39%
TermUp to 72 months
Last UpdatedJul 6, 2026
Details
As Low As; *
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
New & Used Autos
4.39%
49 - 65 Months
▼
APR4.39%
Term49 - 65 Months
Last UpdatedJul 6, 2026
Details
APR = Annual Percentage Rate. All Rates & Terms are subject to change without notice.
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
Used Auto Loans - Cars and Light Trucks - 2021
4.40%
1 - 66 months
▼
APR4.40%
Term1 - 66 months
Last UpdatedJun 23, 2026
Details
Americas Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
New and Used Auto Loans
4.40%
60-Months
▼
APR4.40%
Term60-Months
Last UpdatedJul 7, 2026
Details
As Low As; See Auto Loan Rates
Swemp Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
New Autos
4.45%
Up to 84 Months
▼
APR4.45%
TermUp to 84 Months
Last UpdatedJun 16, 2026
Details
As Low As; Based On Credit Score And Loan Term. APR = Annual percentage rate. Rates are based on a combination of your credit score, terms and other lending criteria. Each application is evaluated on an individual basis. Rates up to 18%. Stated "rates as low as" apply to well-qualified applicants. The annual percentage rate (APR) for certificate secured advances will be the dividend being paid on the Certificate offered as security plus the percentage shown above. The current ANNUAL PERCENTAGE RATE will be disclosed at the time of the advance. We may report information about your loan and deposit accounts to credit bureaus. Late payments, missed payments or other defaults on your accounts will be reflected in your credit report. Rates are subject to change without notice. Membership is required. For more information, please contact a Swemp Federal Credit Union representative at (903) 793-2274.
Swemp Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
Pre-Owned Autos
4.45%
Up to 84 Months
▼
APR4.45%
TermUp to 84 Months
Last UpdatedJun 16, 2026
Details
As Low As; Based On Credit Score And Loan Term. APR = Annual percentage rate. Rates are based on a combination of your credit score, terms and other lending criteria. Each application is evaluated on an individual basis. Rates up to 18%. Stated "rates as low as" apply to well-qualified applicants. The annual percentage rate (APR) for certificate secured advances will be the dividend being paid on the Certificate offered as security plus the percentage shown above. The current ANNUAL PERCENTAGE RATE will be disclosed at the time of the advance. We may report information about your loan and deposit accounts to credit bureaus. Late payments, missed payments or other defaults on your accounts will be reflected in your credit report. Rates are subject to change without notice. Membership is required. For more information, please contact a Swemp Federal Credit Union representative at (903) 793-2274.
Cherokee County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.79%
New Car Loan
4.45%
84 months
▼
APR4.45%
Term84 months
Last UpdatedJun 23, 2026
Details
Rates as low as 4.35%.
Domino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New and Used Autos
4.49%
Up to 72 Months
▼
APR4.49%
TermUp to 72 Months
Last UpdatedJun 16, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New & Used Autos
4.49%
48 Mos.
▼
APR4.49%
Term48 Mos.
Last UpdatedJun 16, 2026
Details
As Low As; Up to 120% Financing on Approved Credit
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
Auto Loan
4.49%
Up to 60 months
▼
APR4.49%
TermUp to 60 months
Last UpdatedJun 23, 2026
Details
Maximum Loan Discount: 0.75%
Unity One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.61%
Auto Loan
4.49%
Up to 36 Months
▼
APR4.49%
TermUp to 36 Months
Last UpdatedJun 27, 2026
Details
New and Used Models 2020 and Newer
APR4.49%
Term72-month
Last UpdatedJun 27, 2026
Details
As Low As; Estimated Payment: $15.87 per $1,000 for 72 months
Lubbock Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Auto Loan
4.49%
Up to 48 mo.
▼
APR4.49%
TermUp to 48 mo.
Last UpdatedJul 6, 2026
Details
Rates effective 9/1/2025. All rates presented are APR (Annual Percentage Rate). Fixed rates. Rates shown are based on excellent credit history, underwriting criteria, and account qualification. Rates subject to change. New Vehicles: 2025-2026 model years.
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
Used Vehicle Loan
4.49%
Up to 48 Months
▼
APR4.49%
TermUp to 48 Months
Last UpdatedJul 6, 2026
Details
Gulf Shore Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.68%
Autos 2026-2022: 0-24 months
4.49%
24 Months
▼
APR4.49%
Term24 Months
Last UpdatedJul 6, 2026
Details
As Low As; *
Gulf Shore Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.68%
Autos 2026-2022: 0-72 months
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedJul 6, 2026
Details
As Low As; *
Gulf Shore Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.68%
Autos 2026-2022: 25-36 months
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedJul 6, 2026
Details
As Low As; *
Gulf Shore Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.68%
Autos 2026-2022: 37-48 months
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedJul 6, 2026
Details
As Low As; *
Gulf Shore Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.68%
Autos 2026-2022: 49-63 months
4.49%
63 Months
▼
APR4.49%
Term63 Months
Last UpdatedJul 6, 2026
Details
As Low As; *
Germania Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicle Loan
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedJul 7, 2026
Details
As Low As; Up to 125% of MSRP with approved credit.
Access Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.08%
Auto Loans - New Vehicles - 5 years and newer
4.49%
24 to 36 months
▼
APR4.49%
Term24 to 36 months
Last UpdatedJul 7, 2026
Details
Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.57%
New and Used Vehicles Loan
4.49%
Up to 48 Months
▼
APR4.49%
TermUp to 48 Months
Last UpdatedJul 7, 2026
Details
City Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
New or Used Auto Loans
4.49%
24 months
▼
APR4.49%
Term24 months
Last UpdatedJul 7, 2026
Details
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
Auto Loans Used
4.49%
54 months or Less
▼
APR4.49%
Term54 months or Less
Last UpdatedJul 7, 2026
Details
As Low As; Auto Loans Used
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
New Auto Loans
4.49%
72 months
▼
APR4.49%
Term72 months
Last UpdatedJul 7, 2026
Details
As Low As; New Auto Loans
Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
Auto Loans
4.49%
up to 60 months
▼
APR4.49%
Termup to 60 months
Last UpdatedJul 7, 2026
Details
As Low As
APR4.49%
TermUp to 48 mo.
Last UpdatedJul 7, 2026
Details
Rates effective 9/1/2025. Fixed rates. Rates shown are based on excellent credit history, underwriting criteria, and account qualification. New Vehicles: 2025-2026 model years.
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
Used Auto Loans - Cars and Light Trucks - 2020
4.50%
1 - 60 months
▼
APR4.50%
Term1 - 60 months
Last UpdatedJun 23, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
New Auto Loan
4.50%
72 months
▼
APR4.50%
Term72 months
Last UpdatedJun 23, 2026
Details
As Low As; Minimum Invoice Amount: $30,000
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
Used Auto Loan
4.50%
Up to 72 months
▼
APR4.50%
TermUp to 72 months
Last UpdatedJun 23, 2026
Details
As Low As; 2022 & newer; Vehicles with less than 20k miles
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 UpdatedJun 23, 2026
Details
As Low As
Port Arthur Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
New Car Loan
4.50%
up to 60 month
▼
APR4.50%
Termup to 60 month
Last UpdatedJun 23, 2026
Details
As Low As; financing available
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
New Auto
4.50%
36mm
▼
APR4.50%
Term36mm
Last UpdatedJun 26, 2026
Details
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
Used Auto
4.50%
36mm
▼
APR4.50%
Term36mm
Last UpdatedJun 26, 2026
Details
Max Term 60m
Edinburg Teachers Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
Auto Loans
4.50%
60 months
▼
APR4.50%
Term60 months
Last UpdatedJun 26, 2026
Details
As Low As; All APPROVED loans are eligible for this rate! Terms and conditions apply. June 1-30, 2026
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
New Auto Loans
4.50%
49-60 months
▼
APR4.50%
Term49-60 months
Last UpdatedJun 29, 2026
Details
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
Used Auto Loans
4.50%
49-60 months
▼
APR4.50%
Term49-60 months
Last UpdatedJun 29, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
New Automobile Loan
4.50%
37 - 48 Months
▼
APR4.50%
Term37 - 48 Months
Last UpdatedJul 6, 2026
Details
As Low As; Fixed Rate
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
Used Automobile Loan
4.50%
37 - 48 Months
▼
APR4.50%
Term37 - 48 Months
Last UpdatedJul 6, 2026
Details
As Low As; Fixed Rate
Common Cents Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.31%
Auto Loan
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedJul 6, 2026
Details
As Low As
Starr County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
Auto Purchases
4.50%
84 Months
▼
APR4.50%
Term84 Months
Last UpdatedJul 6, 2026
Details
As Low As
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Cars and Trucks Loan
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedJul 6, 2026
Details
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Cars and Trucks Loan
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedJul 6, 2026
Details
Concho Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New Auto
4.50%
48 months
▼
APR4.50%
Term48 months
Last UpdatedJul 7, 2026
Details
As Low As; Maximum Loan: 100%
APR4.50%
Term48 months
Last UpdatedJul 7, 2026
Details
As Low As; Advertised rate is for a 48-month term and includes discounts of 0.25% for Auto Pay from the lowest rate of 4.75%.
Libertyone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.81%
New and Used Automobiles
4.55%
24 months
▼
APR4.55%
Term24 months
Last UpdatedJun 16, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Used Auto
4.59%
Up to 60 months
▼
APR4.59%
TermUp to 60 months
Last UpdatedJun 16, 2026
Details
As low as
GECU Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.28%
Auto Loan
4.59%
66 Months
▼
APR4.59%
Term66 Months
Last UpdatedJun 16, 2026
Details
As Low As; Now-July 7
One Source Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
New and Used Autos - Up to 48 Months
4.59%
Up to 48 Months
▼
APR4.59%
TermUp to 48 Months
Last UpdatedJul 6, 2026
Details
All loans quoted at 80% Loan to Value
Centex Citizens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
New Vehicles 22025 and Newer Loan
4.59%
Up to 36 months
▼
APR4.59%
TermUp to 36 months
Last UpdatedJul 7, 2026
Details
As Low As
Keystone Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.20%
New Vehicle Loan
4.59%
Up to 60 Months
▼
APR4.59%
TermUp to 60 Months
Last UpdatedJul 7, 2026
Details
As Low As
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
Used Auto Loans - Cars and Light Trucks - 2019
4.60%
1 - 54 months
▼
APR4.60%
Term1 - 54 months
Last UpdatedJun 23, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
New Auto
4.64%
Up to 63 Months
▼
APR4.64%
TermUp to 63 Months
Last UpdatedJun 16, 2026
Details
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
Used Vehicle Loan
4.64%
Up to 60 Months
▼
APR4.64%
TermUp to 60 Months
Last UpdatedJul 6, 2026
Details
Centex Citizens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
New Vehicles 22025-2027 Loan
4.64%
Up to 75 months
▼
APR4.64%
TermUp to 75 months
Last UpdatedJul 7, 2026
Details
As Low As
Chocolate Bayou Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
Auto Loans
4.67%
Up to 60 Months
▼
APR4.67%
TermUp to 60 Months
Last UpdatedJul 6, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
New & Used Auto Loans
4.69%
96 Months
▼
APR4.69%
Term96 Months
Last UpdatedJul 6, 2026
Details
As low as
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
Vehicle Loans
4.69%
Up to 24 months
▼
APR4.69%
TermUp to 24 months
Last UpdatedJul 6, 2026
Details
Loan Amount: $2,500+
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
New And Used Autos
4.69%
Up to 36 Months
▼
APR4.69%
TermUp to 36 Months
Last UpdatedJul 6, 2026
Details
Maximum APR: 15.44%
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
Used Auto Loans - Cars and Light Trucks - 2018
4.70%
1 - 48 months
▼
APR4.70%
Term1 - 48 months
Last UpdatedJun 23, 2026
Details
Cherokee County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.79%
Used Car Loan
4.70%
72 months
▼
APR4.70%
Term72 months
Last UpdatedJun 23, 2026
Details
Rates as low as 4.60%.
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.33%
Used Auto Loan
4.74%
36 months
▼
APR4.74%
Term36 months
Last UpdatedJul 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 mo.
▼
APR4.74%
Term60 mo.
Last UpdatedJul 6, 2026
Details
Rates effective 9/1/2025. All rates presented are APR (Annual Percentage Rate). Fixed rates. Rates shown are based on excellent credit history, underwriting criteria, and account qualification. Rates subject to change. New Vehicles: 2025-2026 model years.
Lubbock Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Auto Loan
4.74%
Up to 48 mo.
▼
APR4.74%
TermUp to 48 mo.
Last UpdatedJul 6, 2026
Details
Rates effective 9/1/2025. All rates presented are APR (Annual Percentage Rate). Fixed rates. Rates shown are based on excellent credit history, underwriting criteria, and account qualification. Rates subject to change. Used Vehicles: 2023-2024 model years.
Austin Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.18%
New Vehicles Loan
4.74%
66 months
▼
APR4.74%
Term66 months
Last UpdatedJul 6, 2026
Details
Minimum Loan Amount: < $20,000
Austin Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.18%
Used Vehicles Loan
4.74%
66 months
▼
APR4.74%
Term66 months
Last UpdatedJul 6, 2026
Details
Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.57%
New and Used Vehicles Loan
4.74%
49 to 66 Months
▼
APR4.74%
Term49 to 66 Months
Last UpdatedJul 7, 2026
Details
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
Auto Loans Used
4.74%
72 months
▼
APR4.74%
Term72 months
Last UpdatedJul 7, 2026
Details
As Low As; Auto Loans Used
Keystone Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.20%
New Vehicle Loan
4.74%
Up to 78 Months
▼
APR4.74%
TermUp to 78 Months
Last UpdatedJul 7, 2026
Details
As Low As
APR4.74%
Term60 mo.
Last UpdatedJul 7, 2026
Details
Rates effective 9/1/2025. Fixed rates. Rates shown are based on excellent credit history, underwriting criteria, and account qualification. New Vehicles: 2025-2026 model years.
APR4.74%
TermUp to 48 mo.
Last UpdatedJul 7, 2026
Details
Rates effective 9/1/2025. Fixed rates. Rates shown are based on excellent credit history, underwriting criteria, and account qualification. Used Vehicles: 2023-2024 model years.
Libertyone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.81%
New and Used Automobiles
4.75%
36 months
▼
APR4.75%
Term36 months
Last UpdatedJun 16, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
New Auto Loan
4.75%
78 months
▼
APR4.75%
Term78 months
Last UpdatedJun 23, 2026
Details
As Low As; Minimum Invoice Amount: $30,000
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
Used Auto Loan
4.75%
Up to 78 months
▼
APR4.75%
TermUp to 78 months
Last UpdatedJun 23, 2026
Details
As Low As; 2024 & newer; Vehicles with less than 20k miles
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 UpdatedJun 23, 2026
Details
As Low As
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
2024 or Newer Vehicle Loan
4.75%
37-64 Months
▼
APR4.75%
Term37-64 Months
Last UpdatedJun 23, 2026
Details
Rates by Year: 2024 or Newer; Tier Level: 4 - 5 Years (37-64M); Equifax Score: 750+
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.62%
New Automobiles & Light Trucks
4.75%
60 mos.
▼
APR4.75%
Term60 mos.
Last UpdatedJun 23, 2026
Details
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.62%
Used Automobiles & Light Trucks
4.75%
60 mos.
▼
APR4.75%
Term60 mos.
Last UpdatedJun 23, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
New & Used Vehicles - 72 months Loan
4.75%
72 months
▼
APR4.75%
Term72 months
Last UpdatedJun 26, 2026
Details
As Low As
Healthcare Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
New Autos: 2025 - 2026, Demos < 10,000 Miles
4.75%
Up to 48 months
▼
APR4.75%
TermUp to 48 months
Last UpdatedJul 6, 2026
Details
Healthcare Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
Used Autos: 2017 - 2025
4.75%
Up to 48 months
▼
APR4.75%
TermUp to 48 months
Last UpdatedJul 6, 2026
Details
Concho Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New Auto
4.75%
60 months
▼
APR4.75%
Term60 months
Last UpdatedJul 7, 2026
Details
As Low As; Maximum Loan: 100%
The Peoples Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.36%
New & Used Vehicles Loan
4.79%
7 yrs**
▼
APR4.79%
Term7 yrs**
Last UpdatedJun 23, 2026
Details
As low as
East Texas Professional Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
New Vehicles 2027-2025 Models Loan
4.79%
Please call for information
▼
APR4.79%
TermPlease call for information
Last UpdatedJul 7, 2026
Details
base rate
Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
Auto Loans
4.79%
up to 66 months
▼
APR4.79%
Termup to 66 months
Last UpdatedJul 7, 2026
Details
As Low As
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
Used Auto Loans - Cars and Light Trucks - 2017
4.80%
1 - 42 months
▼
APR4.80%
Term1 - 42 months
Last UpdatedJun 23, 2026
Details
Members Choice of Central Texas Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
Vehicle Loan
4.84%
Up to 60 months
▼
APR4.84%
TermUp to 60 months
Last UpdatedJul 6, 2026
Details
As Low As
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
New And Used Autos
4.84%
49 - 60 Months
▼
APR4.84%
Term49 - 60 Months
Last UpdatedJul 6, 2026
Details
Maximum APR: 16.34%
APR4.84%
Term48 Mo
Last UpdatedJul 7, 2026
Details
As Low As; $474 Savings Over 4 Years
BELTON
Institution Rating:
A-5.0 ★ Texas Ratio: 1.55%
New Vehicle 2025 and newer Loan
4.85%
48 months
▼
APR4.85%
Term48 months
Last UpdatedJul 7, 2026
Details
As low as; rates are set according to credit rating
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
Vehicle Loans
4.89%
36 months
▼
APR4.89%
Term36 months
Last UpdatedJul 6, 2026
Details
Loan Amount: $2,500+
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
Used Vehicle Loan
4.89%
Up to 72 Months
▼
APR4.89%
TermUp to 72 Months
Last UpdatedJul 6, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
New & Used Autos
4.89%
66 - 74 Months
▼
APR4.89%
Term66 - 74 Months
Last UpdatedJul 6, 2026
Details
APR = Annual Percentage Rate. All Rates & Terms are subject to change without notice.
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
Used Auto Loans - Cars and Light Trucks - 2016
4.90%
1 - 36 months
▼
APR4.90%
Term1 - 36 months
Last UpdatedJun 23, 2026
Details
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
New Auto
4.90%
48m
▼
APR4.90%
Term48m
Last UpdatedJun 26, 2026
Details
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
Used Auto
4.90%
48m
▼
APR4.90%
Term48m
Last UpdatedJun 26, 2026
Details
Max Term 60m
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.33%
Used Auto Loan
4.90%
48 months
▼
APR4.90%
Term48 months
Last UpdatedJul 6, 2026
Details
As Low As; Qualified buyers: Take 90 days to make your first payment.
BELTON
Institution Rating:
A-5.0 ★ Texas Ratio: 1.55%
New Vehicle 2025 and newer Loan
4.90%
60 months
▼
APR4.90%
Term60 months
Last UpdatedJul 7, 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: 3.24%
Auto Loans
4.92%
Up to 72 Months
▼
APR4.92%
TermUp to 72 Months
Last UpdatedJul 6, 2026
Details
As Low As
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
New And Used Autos
4.94%
37 - 48 Months
▼
APR4.94%
Term37 - 48 Months
Last UpdatedJul 6, 2026
Details
Maximum APR: 15.69%
Keystone Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.20%
Used Vehicle Loan
4.94%
Up to 60 Months
▼
APR4.94%
TermUp to 60 Months
Last UpdatedJul 7, 2026
Details
As Low As
Libertyone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.81%
New and Used Automobiles
4.95%
48 months
▼
APR4.95%
Term48 months
Last UpdatedJun 16, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
New Automobile Loan
4.95%
49 - 60 Months
▼
APR4.95%
Term49 - 60 Months
Last UpdatedJul 6, 2026
Details
As Low As; Fixed Rate
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
Used Automobile Loan
4.95%
49 - 60 Months
▼
APR4.95%
Term49 - 60 Months
Last UpdatedJul 6, 2026
Details
As Low As; Fixed Rate
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
Vehicle Loans
4.95%
60 months
▼
APR4.95%
Term60 months
Last UpdatedJul 6, 2026
Details
As Low As; $250 Cash Back for Vehicle Loans! Enjoy lower payments, delayed first payment options, and receive $250 cash back!
Neiman Marcus Group Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New Cars Loan
4.95%
Up to 60 Months
▼
APR4.95%
TermUp to 60 Months
Last UpdatedJul 6, 2026
Details
As Low As
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Classic Car A+ 0-36 Months Loan
4.95%
36 Months
▼
APR4.95%
Term36 Months
Last UpdatedJul 7, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
New Vehicles, New Automobile (NA) - A (720-799)
4.95%
37-60 Months
▼
APR4.95%
Term37-60 Months
Last UpdatedJul 7, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
New Vehicles, New Automobile (NA) - A+ (800
4.95%
61-72 Months
▼
APR4.95%
Term61-72 Months
Last UpdatedJul 7, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
New Vehicles, New Automobile (NA) - B (680-719)
4.95%
0-36 Months
▼
APR4.95%
Term0-36 Months
Last UpdatedJul 7, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Pre-Owned (Used) Automobile (UA) A (720-799)
4.95%
37-60 Months
▼
APR4.95%
Term37-60 Months
Last UpdatedJul 7, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Pre-Owned (Used) Automobile (UA) A+ (800
4.95%
61-72 Months
▼
APR4.95%
Term61-72 Months
Last UpdatedJul 7, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Pre-Owned (Used) Automobile (UA) B (680-719)
4.95%
0-36 Months
▼
APR4.95%
Term0-36 Months
Last UpdatedJul 7, 2026
Details
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
Auto Loan
4.99%
1 to 48 Months
▼
APR4.99%
Term1 to 48 Months
Last UpdatedJun 16, 2026
Details
Good: 6.24%, Average: 7.49%, Fair: 9.39%, Marginal: 14.65%, Low / No score: 17.25%
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
Auto Loans
4.99%
1 to 48 Months
▼
APR4.99%
Term1 to 48 Months
Last UpdatedJun 16, 2026
Details
Rockdale Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
Used Vehicles Loan
4.99%
Up to 78 Months
▼
APR4.99%
TermUp to 78 Months
Last UpdatedJun 16, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New & Used Autos
4.99%
72 Mos.
▼
APR4.99%
Term72 Mos.
Last UpdatedJun 16, 2026
Details
As Low As; Up to 120% Financing on Approved Credit
Capital Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Auto Loans
4.99%
12 Month
▼
APR4.99%
Term12 Month
Last UpdatedJun 16, 2026
Details
Lubrizol Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.17%
New & Used Automobile
4.99%
61 Mo to 72 Mo
▼
APR4.99%
Term61 Mo to 72 Mo
Last UpdatedJun 16, 2026
Details
APR* (financing over $30K)
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
Used Auto
4.99%
Up to 63 Months
▼
APR4.99%
TermUp to 63 Months
Last UpdatedJun 16, 2026
Details
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
Automobiles & Light-Duty Trucks - 36 months
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedJun 22, 2026
Details
Model Year New - 2025; Minimum to Finance: $5,000
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
Automobiles & Light-Duty Trucks - 60 months
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedJun 22, 2026
Details
Model Year New - 2025; Minimum to Finance: $10,000
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
Automobiles & Light-Duty Trucks - 75 months
4.99%
75 months
▼
APR4.99%
Term75 months
Last UpdatedJun 22, 2026
Details
Model Year New - 2025; Minimum to Finance: $15,000
ACFCU
Institution Rating:
A+5.0 ★ Texas Ratio: 5.44%
New & Used Vehicles Loan
4.99%
up to 72 months
▼
APR4.99%
Termup to 72 months
Last UpdatedJun 23, 2026
Details
Rates are subject to change without notice. Loan approval is based on creditworthiness. Rates effective on 01/05/2026
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
Auto Loan
4.99%
Up to 72 months
▼
APR4.99%
TermUp to 72 months
Last UpdatedJun 23, 2026
Details
Loan Amount: $15,000 and up; Maximum Loan Discount: 0.75%
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.61%
Auto Loans
4.99%
84 months
▼
APR4.99%
Term84 months
Last UpdatedJun 23, 2026
Details
As Low As; NEW & USED VEHICLES
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.21%
New Auto Loan
4.99%
Up to 72 months
▼
APR4.99%
TermUp to 72 months
Last UpdatedJun 23, 2026
Details
As Low As; Loyalty Plus & Digital Services Discount: 4.39%
Powered by
MonitorBankRates
North Houston New Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
New Vehicles, New Automobile (NA) - A+ (800
2.95%
0-36 Months
▼
APR2.95%
Term0-36 Months
Last UpdatedJul 7, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
New vehicles Loan
2.99%
0-36 months
▼
APR2.99%
Term0-36 months
Last UpdatedJul 7, 2026
Details
Rates below are based on a minimum credit score of 700.
Lubrizol Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.17%
New & Used Automobile
3.24%
24 Mo to 60 Mo
▼
APR3.24%
Term24 Mo to 60 Mo
Last UpdatedJun 16, 2026
Details
APR*
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
New and Pre-Owned Autos
3.24%
12-36 Months
▼
APR3.24%
Term12-36 Months
Last UpdatedJul 7, 2026
Details
As low as 3.24% APR*, plus free GAP! APR=Annual Percentage Rate. Terms and conditions apply. Click for full details.
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
New Auto
3.34%
Up to 36 Months
▼
APR3.34%
TermUp to 36 Months
Last UpdatedJun 16, 2026
Details
As low as
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
New & Used Autos
3.39%
Up to 36 Months
▼
APR3.39%
TermUp to 36 Months
Last UpdatedJul 6, 2026
Details
APR = Annual Percentage Rate. All Rates & Terms are subject to change without notice.
InvesTex Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
New and Used Auto Loan
3.49%
Up to 36 Months
▼
APR3.49%
TermUp to 36 Months
Last UpdatedJun 29, 2026
Details
USE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.86%
New & Used Autos
3.49%
2025 and newer up to 72 months; 2022 - 2024 up to 60 months; 2021 and older up t
▼
APR3.49%
Term2025 and newer up to 72 months; 2022 - 2024 up to 60 months; 2021 and older up t
Last UpdatedJul 6, 2026
Details
As Low As; *
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
New Auto Loan
3.50%
36 months
▼
APR3.50%
Term36 months
Last UpdatedJun 23, 2026
Details
As Low As; Minimum Invoice Amount: $30,000
Victoria City County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
New & Used Auto Loans
3.56%
36 to 72** Months
▼
APR3.56%
Term36 to 72** Months
Last UpdatedJun 16, 2026
Details
Fixed
InvesTex Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
New and Used Auto Loan
3.69%
Up to 48 Months
▼
APR3.69%
TermUp to 48 Months
Last UpdatedJun 29, 2026
Details
Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
New Auto Loan
3.70%
up to 75 Months
▼
APR3.70%
Termup to 75 Months
Last UpdatedJul 6, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
New Auto Loan
3.75%
48 months
▼
APR3.75%
Term48 months
Last UpdatedJun 23, 2026
Details
As Low As; Minimum Invoice Amount: $30,000
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
New & Used Autos
3.89%
37-48 Months
▼
APR3.89%
Term37-48 Months
Last UpdatedJul 6, 2026
Details
APR = Annual Percentage Rate. All Rates & Terms are subject to change without notice.
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
Used & New Auto Loans
3.94%
0-36 months
▼
APR3.94%
Term0-36 months
Last UpdatedJul 7, 2026
Details
As Low As; *
Domino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New and Used Autos
3.95%
Up to 36 Months
▼
APR3.95%
TermUp to 36 Months
Last UpdatedJun 16, 2026
Details
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
New Auto Loans - Cars and Light Trucks
3.95%
1 - 84 months
▼
APR3.95%
Term1 - 84 months
Last UpdatedJun 23, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
New Vehicles, New Automobile (NA) - A (720-799)
3.95%
0-36 Months
▼
APR3.95%
Term0-36 Months
Last UpdatedJul 7, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
New Vehicles, New Automobile (NA) - A+ (800
3.95%
37-60 Months
▼
APR3.95%
Term37-60 Months
Last UpdatedJul 7, 2026
Details
Rockdale Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
New Vehicles Loan
3.99%
Up to 84 Months
▼
APR3.99%
TermUp to 84 Months
Last UpdatedJun 16, 2026
Details
APR3.99%
Term36-month
Last UpdatedJun 27, 2026
Details
As Low As; Estimated Payment: $29.52 per $1,000 for 36 months
InvesTex Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
New and Used Auto Loan
3.99%
Up to 60 Months
▼
APR3.99%
TermUp to 60 Months
Last UpdatedJun 29, 2026
Details
Texasgulf Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
New or used vehicle Loan
3.99%
up to 36 months
▼
APR3.99%
Termup to 36 months
Last UpdatedJul 6, 2026
Details
As Low As; New or used vehicle up to 36 months.
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
New Auto Loans
3.99%
54 months or Less
▼
APR3.99%
Term54 months or Less
Last UpdatedJul 7, 2026
Details
As Low As; New Auto Loans
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
New vehicles Loan
3.99%
37-48 months
▼
APR3.99%
Term37-48 months
Last UpdatedJul 7, 2026
Details
Rates below are based on a minimum credit score of 700.
Energy Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.19%
New Autos
4.00%
48 - 84 months
▼
APR4.00%
Term48 - 84 months
Last UpdatedJun 16, 2026
Details
Model year 2023 or newer
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
New Auto Loan
4.00%
60 months
▼
APR4.00%
Term60 months
Last UpdatedJun 23, 2026
Details
As Low As; Minimum Invoice Amount: $30,000
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 UpdatedJun 23, 2026
Details
As Low As
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.62%
New Automobiles & Light Trucks
4.00%
36 mos.
▼
APR4.00%
Term36 mos.
Last UpdatedJun 23, 2026
Details
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Cars and Trucks Loan
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedJul 6, 2026
Details
Concho Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New Auto
4.00%
36 months
▼
APR4.00%
Term36 months
Last UpdatedJul 7, 2026
Details
As Low As; Maximum Loan: 100%
Service 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
New Vehicle Loan
4.00%
up to 94 months
▼
APR4.00%
Termup to 94 months
Last UpdatedJul 7, 2026
Details
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
Auto Loans (New & Used)
4.05%
Up to 36 Months
▼
APR4.05%
TermUp to 36 Months
Last UpdatedJul 6, 2026
Details
As Low As; Model Years: 2019-2025
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
New & Used Auto Loans
4.05%
Up to 36 Months
▼
APR4.05%
TermUp to 36 Months
Last UpdatedJul 6, 2026
Details
As Low As; Model Years: 2019-2025
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
New Auto
4.09%
Up to 60 months
▼
APR4.09%
TermUp to 60 months
Last UpdatedJun 16, 2026
Details
As low as
Mesquite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
New and Used Vehicles Loan
4.10%
Up to 72 Months
▼
APR4.10%
TermUp to 72 Months
Last UpdatedJul 7, 2026
Details
As Low As
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
Used & New Auto Loans
4.14%
49-60 months
▼
APR4.14%
Term49-60 months
Last UpdatedJul 7, 2026
Details
As Low As; *
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New & Used Autos
4.24%
24 Mos.
▼
APR4.24%
Term24 Mos.
Last UpdatedJun 16, 2026
Details
As Low As; Up to 120% Financing on Approved Credit
APR4.24%
Term60-month
Last UpdatedJun 27, 2026
Details
As Low As; Estimated Payment: $18.53 per $1,000 for 60 months
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
2024 or Newer Vehicle Loan
4.25%
1-36 Months
▼
APR4.25%
Term1-36 Months
Last UpdatedJun 23, 2026
Details
Rates by Year: 2024 or Newer; Tier Level: Up to 3 Years (1-36M); Equifax Score: 750+
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
New Auto Loans
4.25%
0-24 months
▼
APR4.25%
Term0-24 months
Last UpdatedJun 29, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
New Automobile Loan
4.25%
Up to 36 Months
▼
APR4.25%
TermUp to 36 Months
Last UpdatedJul 6, 2026
Details
As Low As; Fixed Rate
The Peoples Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.36%
New & Used Vehicles Loan
4.29%
3 yrs*
▼
APR4.29%
Term3 yrs*
Last UpdatedJun 23, 2026
Details
As low as; Rate includes both discounts
InvesTex Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
New and Used Auto Loan
4.29%
Up to 72 Months
▼
APR4.29%
TermUp to 72 Months
Last UpdatedJun 29, 2026
Details
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
Used & New Auto Loans
4.29%
61-72 months
▼
APR4.29%
Term61-72 months
Last UpdatedJul 7, 2026
Details
As Low As; *
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
New & Used Vehicles - 60 months Loan
4.35%
60 months
▼
APR4.35%
Term60 months
Last UpdatedJun 26, 2026
Details
As Low As
Southwest Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.85%
New Auto
4.39%
Up to 72 months
▼
APR4.39%
TermUp to 72 months
Last UpdatedJul 6, 2026
Details
As Low As; *
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
New & Used Autos
4.39%
49 - 65 Months
▼
APR4.39%
Term49 - 65 Months
Last UpdatedJul 6, 2026
Details
APR = Annual Percentage Rate. All Rates & Terms are subject to change without notice.
Americas Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
New and Used Auto Loans
4.40%
60-Months
▼
APR4.40%
Term60-Months
Last UpdatedJul 7, 2026
Details
As Low As; See Auto Loan Rates
Swemp Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
New Autos
4.45%
Up to 84 Months
▼
APR4.45%
TermUp to 84 Months
Last UpdatedJun 16, 2026
Details
As Low As; Based On Credit Score And Loan Term. APR = Annual percentage rate. Rates are based on a combination of your credit score, terms and other lending criteria. Each application is evaluated on an individual basis. Rates up to 18%. Stated "rates as low as" apply to well-qualified applicants. The annual percentage rate (APR) for certificate secured advances will be the dividend being paid on the Certificate offered as security plus the percentage shown above. The current ANNUAL PERCENTAGE RATE will be disclosed at the time of the advance. We may report information about your loan and deposit accounts to credit bureaus. Late payments, missed payments or other defaults on your accounts will be reflected in your credit report. Rates are subject to change without notice. Membership is required. For more information, please contact a Swemp Federal Credit Union representative at (903) 793-2274.
Cherokee County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.79%
New Car Loan
4.45%
84 months
▼
APR4.45%
Term84 months
Last UpdatedJun 23, 2026
Details
Rates as low as 4.35%.
Domino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New and Used Autos
4.49%
Up to 72 Months
▼
APR4.49%
TermUp to 72 Months
Last UpdatedJun 16, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New & Used Autos
4.49%
48 Mos.
▼
APR4.49%
Term48 Mos.
Last UpdatedJun 16, 2026
Details
As Low As; Up to 120% Financing on Approved Credit
APR4.49%
Term72-month
Last UpdatedJun 27, 2026
Details
As Low As; Estimated Payment: $15.87 per $1,000 for 72 months
Lubbock Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Auto Loan
4.49%
Up to 48 mo.
▼
APR4.49%
TermUp to 48 mo.
Last UpdatedJul 6, 2026
Details
Rates effective 9/1/2025. All rates presented are APR (Annual Percentage Rate). Fixed rates. Rates shown are based on excellent credit history, underwriting criteria, and account qualification. Rates subject to change. New Vehicles: 2025-2026 model years.
Germania Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicle Loan
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedJul 7, 2026
Details
As Low As; Up to 125% of MSRP with approved credit.
Access Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.08%
Auto Loans - New Vehicles - 5 years and newer
4.49%
24 to 36 months
▼
APR4.49%
Term24 to 36 months
Last UpdatedJul 7, 2026
Details
Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.57%
New and Used Vehicles Loan
4.49%
Up to 48 Months
▼
APR4.49%
TermUp to 48 Months
Last UpdatedJul 7, 2026
Details
City Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
New or Used Auto Loans
4.49%
24 months
▼
APR4.49%
Term24 months
Last UpdatedJul 7, 2026
Details
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
New Auto Loans
4.49%
72 months
▼
APR4.49%
Term72 months
Last UpdatedJul 7, 2026
Details
As Low As; New Auto Loans
APR4.49%
TermUp to 48 mo.
Last UpdatedJul 7, 2026
Details
Rates effective 9/1/2025. Fixed rates. Rates shown are based on excellent credit history, underwriting criteria, and account qualification. New Vehicles: 2025-2026 model years.
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
New Auto Loan
4.50%
72 months
▼
APR4.50%
Term72 months
Last UpdatedJun 23, 2026
Details
As Low As; Minimum Invoice Amount: $30,000
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 UpdatedJun 23, 2026
Details
As Low As
Port Arthur Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
New Car Loan
4.50%
up to 60 month
▼
APR4.50%
Termup to 60 month
Last UpdatedJun 23, 2026
Details
As Low As; financing available
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
New Auto
4.50%
36mm
▼
APR4.50%
Term36mm
Last UpdatedJun 26, 2026
Details
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
New Auto Loans
4.50%
49-60 months
▼
APR4.50%
Term49-60 months
Last UpdatedJun 29, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
New Automobile Loan
4.50%
37 - 48 Months
▼
APR4.50%
Term37 - 48 Months
Last UpdatedJul 6, 2026
Details
As Low As; Fixed Rate
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Cars and Trucks Loan
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedJul 6, 2026
Details
Concho Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New Auto
4.50%
48 months
▼
APR4.50%
Term48 months
Last UpdatedJul 7, 2026
Details
As Low As; Maximum Loan: 100%
Libertyone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.81%
New and Used Automobiles
4.55%
24 months
▼
APR4.55%
Term24 months
Last UpdatedJun 16, 2026
Details
One Source Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
New and Used Autos - Up to 48 Months
4.59%
Up to 48 Months
▼
APR4.59%
TermUp to 48 Months
Last UpdatedJul 6, 2026
Details
All loans quoted at 80% Loan to Value
Centex Citizens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
New Vehicles 22025 and Newer Loan
4.59%
Up to 36 months
▼
APR4.59%
TermUp to 36 months
Last UpdatedJul 7, 2026
Details
As Low As
Keystone Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.20%
New Vehicle Loan
4.59%
Up to 60 Months
▼
APR4.59%
TermUp to 60 Months
Last UpdatedJul 7, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
New Auto
4.64%
Up to 63 Months
▼
APR4.64%
TermUp to 63 Months
Last UpdatedJun 16, 2026
Details
Centex Citizens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
New Vehicles 22025-2027 Loan
4.64%
Up to 75 months
▼
APR4.64%
TermUp to 75 months
Last UpdatedJul 7, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
New & Used Auto Loans
4.69%
96 Months
▼
APR4.69%
Term96 Months
Last UpdatedJul 6, 2026
Details
As low as
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
New And Used Autos
4.69%
Up to 36 Months
▼
APR4.69%
TermUp to 36 Months
Last UpdatedJul 6, 2026
Details
Maximum APR: 15.44%
Lubbock Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Auto Loan
4.74%
60 mo.
▼
APR4.74%
Term60 mo.
Last UpdatedJul 6, 2026
Details
Rates effective 9/1/2025. All rates presented are APR (Annual Percentage Rate). Fixed rates. Rates shown are based on excellent credit history, underwriting criteria, and account qualification. Rates subject to change. New Vehicles: 2025-2026 model years.
Austin Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.18%
New Vehicles Loan
4.74%
66 months
▼
APR4.74%
Term66 months
Last UpdatedJul 6, 2026
Details
Minimum Loan Amount: < $20,000
Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.57%
New and Used Vehicles Loan
4.74%
49 to 66 Months
▼
APR4.74%
Term49 to 66 Months
Last UpdatedJul 7, 2026
Details
Keystone Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.20%
New Vehicle Loan
4.74%
Up to 78 Months
▼
APR4.74%
TermUp to 78 Months
Last UpdatedJul 7, 2026
Details
As Low As
APR4.74%
Term60 mo.
Last UpdatedJul 7, 2026
Details
Rates effective 9/1/2025. Fixed rates. Rates shown are based on excellent credit history, underwriting criteria, and account qualification. New Vehicles: 2025-2026 model years.
Libertyone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.81%
New and Used Automobiles
4.75%
36 months
▼
APR4.75%
Term36 months
Last UpdatedJun 16, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
New Auto Loan
4.75%
78 months
▼
APR4.75%
Term78 months
Last UpdatedJun 23, 2026
Details
As Low As; Minimum Invoice Amount: $30,000
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 UpdatedJun 23, 2026
Details
As Low As
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
2024 or Newer Vehicle Loan
4.75%
37-64 Months
▼
APR4.75%
Term37-64 Months
Last UpdatedJun 23, 2026
Details
Rates by Year: 2024 or Newer; Tier Level: 4 - 5 Years (37-64M); Equifax Score: 750+
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.62%
New Automobiles & Light Trucks
4.75%
60 mos.
▼
APR4.75%
Term60 mos.
Last UpdatedJun 23, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
New & Used Vehicles - 72 months Loan
4.75%
72 months
▼
APR4.75%
Term72 months
Last UpdatedJun 26, 2026
Details
As Low As
Healthcare Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
New Autos: 2025 - 2026, Demos < 10,000 Miles
4.75%
Up to 48 months
▼
APR4.75%
TermUp to 48 months
Last UpdatedJul 6, 2026
Details
Concho Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New Auto
4.75%
60 months
▼
APR4.75%
Term60 months
Last UpdatedJul 7, 2026
Details
As Low As; Maximum Loan: 100%
The Peoples Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.36%
New & Used Vehicles Loan
4.79%
7 yrs**
▼
APR4.79%
Term7 yrs**
Last UpdatedJun 23, 2026
Details
As low as
East Texas Professional Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
New Vehicles 2027-2025 Models Loan
4.79%
Please call for information
▼
APR4.79%
TermPlease call for information
Last UpdatedJul 7, 2026
Details
base rate
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
New And Used Autos
4.84%
49 - 60 Months
▼
APR4.84%
Term49 - 60 Months
Last UpdatedJul 6, 2026
Details
Maximum APR: 16.34%
APR4.84%
Term48 Mo
Last UpdatedJul 7, 2026
Details
As Low As; $474 Savings Over 4 Years
BELTON
Institution Rating:
A-5.0 ★ Texas Ratio: 1.55%
New Vehicle 2025 and newer Loan
4.85%
48 months
▼
APR4.85%
Term48 months
Last UpdatedJul 7, 2026
Details
As low as; rates are set according to credit rating
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
New & Used Autos
4.89%
66 - 74 Months
▼
APR4.89%
Term66 - 74 Months
Last UpdatedJul 6, 2026
Details
APR = Annual Percentage Rate. All Rates & Terms are subject to change without notice.
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
New Auto
4.90%
48m
▼
APR4.90%
Term48m
Last UpdatedJun 26, 2026
Details
BELTON
Institution Rating:
A-5.0 ★ Texas Ratio: 1.55%
New Vehicle 2025 and newer Loan
4.90%
60 months
▼
APR4.90%
Term60 months
Last UpdatedJul 7, 2026
Details
As low as; rates are set according to credit rating
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
New And Used Autos
4.94%
37 - 48 Months
▼
APR4.94%
Term37 - 48 Months
Last UpdatedJul 6, 2026
Details
Maximum APR: 15.69%
Libertyone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.81%
New and Used Automobiles
4.95%
48 months
▼
APR4.95%
Term48 months
Last UpdatedJun 16, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
New Automobile Loan
4.95%
49 - 60 Months
▼
APR4.95%
Term49 - 60 Months
Last UpdatedJul 6, 2026
Details
As Low As; Fixed Rate
Neiman Marcus Group Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New Cars Loan
4.95%
Up to 60 Months
▼
APR4.95%
TermUp to 60 Months
Last UpdatedJul 6, 2026
Details
As Low As
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
New Vehicles, New Automobile (NA) - A (720-799)
4.95%
37-60 Months
▼
APR4.95%
Term37-60 Months
Last UpdatedJul 7, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
New Vehicles, New Automobile (NA) - A+ (800
4.95%
61-72 Months
▼
APR4.95%
Term61-72 Months
Last UpdatedJul 7, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
New Vehicles, New Automobile (NA) - B (680-719)
4.95%
0-36 Months
▼
APR4.95%
Term0-36 Months
Last UpdatedJul 7, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New & Used Autos
4.99%
72 Mos.
▼
APR4.99%
Term72 Mos.
Last UpdatedJun 16, 2026
Details
As Low As; Up to 120% Financing on Approved Credit
Lubrizol Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.17%
New & Used Automobile
4.99%
61 Mo to 72 Mo
▼
APR4.99%
Term61 Mo to 72 Mo
Last UpdatedJun 16, 2026
Details
APR* (financing over $30K)
ACFCU
Institution Rating:
A+5.0 ★ Texas Ratio: 5.44%
New & Used Vehicles Loan
4.99%
up to 72 months
▼
APR4.99%
Termup to 72 months
Last UpdatedJun 23, 2026
Details
Rates are subject to change without notice. Loan approval is based on creditworthiness. Rates effective on 01/05/2026
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.21%
New Auto Loan
4.99%
Up to 72 months
▼
APR4.99%
TermUp to 72 months
Last UpdatedJun 23, 2026
Details
As Low As; Loyalty Plus & Digital Services Discount: 4.39%
Powered by
MonitorBankRates
North Houston Used Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Pre-Owned (Used) Automobile (UA) A+ (800
2.95%
0-36 Months
▼
APR2.95%
Term0-36 Months
Last UpdatedJul 7, 2026
Details
Lubrizol Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.17%
New & Used Automobile
3.24%
24 Mo to 60 Mo
▼
APR3.24%
Term24 Mo to 60 Mo
Last UpdatedJun 16, 2026
Details
APR*
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
New and Pre-Owned Autos
3.24%
12-36 Months
▼
APR3.24%
Term12-36 Months
Last UpdatedJul 7, 2026
Details
As low as 3.24% APR*, plus free GAP! APR=Annual Percentage Rate. Terms and conditions apply. Click for full details.
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
New & Used Autos
3.39%
Up to 36 Months
▼
APR3.39%
TermUp to 36 Months
Last UpdatedJul 6, 2026
Details
APR = Annual Percentage Rate. All Rates & Terms are subject to change without notice.
InvesTex Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
New and Used Auto Loan
3.49%
Up to 36 Months
▼
APR3.49%
TermUp to 36 Months
Last UpdatedJun 29, 2026
Details
USE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.86%
New & Used Autos
3.49%
2025 and newer up to 72 months; 2022 - 2024 up to 60 months; 2021 and older up t
▼
APR3.49%
Term2025 and newer up to 72 months; 2022 - 2024 up to 60 months; 2021 and older up t
Last UpdatedJul 6, 2026
Details
As Low As; *
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
Used Auto Loan
3.50%
Up to 36 months
▼
APR3.50%
TermUp to 36 months
Last UpdatedJun 23, 2026
Details
As Low As; Vehicles with less than 20k miles
Victoria City County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
New & Used Auto Loans
3.56%
36 to 72** Months
▼
APR3.56%
Term36 to 72** Months
Last UpdatedJun 16, 2026
Details
Fixed
InvesTex Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
New and Used Auto Loan
3.69%
Up to 48 Months
▼
APR3.69%
TermUp to 48 Months
Last UpdatedJun 29, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
Used Auto Loan
3.75%
Up to 48 months
▼
APR3.75%
TermUp to 48 months
Last UpdatedJun 23, 2026
Details
As Low As; Vehicles with less than 20k miles
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Used Auto
3.84%
Up to 36 Months
▼
APR3.84%
TermUp to 36 Months
Last UpdatedJun 16, 2026
Details
As low as
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
New & Used Autos
3.89%
37-48 Months
▼
APR3.89%
Term37-48 Months
Last UpdatedJul 6, 2026
Details
APR = Annual Percentage Rate. All Rates & Terms are subject to change without notice.
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
Used & New Auto Loans
3.94%
0-36 months
▼
APR3.94%
Term0-36 months
Last UpdatedJul 7, 2026
Details
As Low As; *
Domino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New and Used Autos
3.95%
Up to 36 Months
▼
APR3.95%
TermUp to 36 Months
Last UpdatedJun 16, 2026
Details
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
Used Auto Loans - Cars and Light Trucks - 2024
3.95%
1 - 84 months
▼
APR3.95%
Term1 - 84 months
Last UpdatedJun 23, 2026
Details
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
Used Auto Loans - Cars and Light Trucks - 2025
3.95%
1 - 84 months
▼
APR3.95%
Term1 - 84 months
Last UpdatedJun 23, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Pre-Owned (Used) Automobile (UA) A (720-799)
3.95%
0-36 Months
▼
APR3.95%
Term0-36 Months
Last UpdatedJul 7, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Pre-Owned (Used) Automobile (UA) A+ (800
3.95%
37-60 Months
▼
APR3.95%
Term37-60 Months
Last UpdatedJul 7, 2026
Details
InvesTex Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
New and Used Auto Loan
3.99%
Up to 60 Months
▼
APR3.99%
TermUp to 60 Months
Last UpdatedJun 29, 2026
Details
Austin Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.18%
Used Vehicles Loan
3.99%
48 months
▼
APR3.99%
Term48 months
Last UpdatedJul 6, 2026
Details
Texasgulf Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
New or used vehicle Loan
3.99%
up to 36 months
▼
APR3.99%
Termup to 36 months
Last UpdatedJul 6, 2026
Details
As Low As; New or used vehicle up to 36 months.
Energy Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.19%
Used Autos
4.00%
48 - 84 months
▼
APR4.00%
Term48 - 84 months
Last UpdatedJun 16, 2026
Details
Model year 2022 or older
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
Used Auto Loan
4.00%
Up to 60 months
▼
APR4.00%
TermUp to 60 months
Last UpdatedJun 23, 2026
Details
As Low As; 2020 & newer; Vehicles with less than 20k miles
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 UpdatedJun 23, 2026
Details
As Low As
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.62%
Used Automobiles & Light Trucks
4.00%
36 mos.
▼
APR4.00%
Term36 mos.
Last UpdatedJun 23, 2026
Details
Concho Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
Used Autos
4.00%
24 to 60 months
▼
APR4.00%
Term24 to 60 months
Last UpdatedJul 7, 2026
Details
As Low As; Maximum Loan: NADA RETAIL VALUE
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
Auto Loans (New & Used)
4.05%
Up to 36 Months
▼
APR4.05%
TermUp to 36 Months
Last UpdatedJul 6, 2026
Details
As Low As; Model Years: 2019-2025
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
New & Used Auto Loans
4.05%
Up to 36 Months
▼
APR4.05%
TermUp to 36 Months
Last UpdatedJul 6, 2026
Details
As Low As; Model Years: 2019-2025
Mesquite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
New and Used Vehicles Loan
4.10%
Up to 72 Months
▼
APR4.10%
TermUp to 72 Months
Last UpdatedJul 7, 2026
Details
As Low As
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
Used & New Auto Loans
4.14%
49-60 months
▼
APR4.14%
Term49-60 months
Last UpdatedJul 7, 2026
Details
As Low As; *
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
Used Auto Loans - Cars and Light Trucks - 2023
4.20%
1 - 78 months
▼
APR4.20%
Term1 - 78 months
Last UpdatedJun 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New & Used Autos
4.24%
24 Mos.
▼
APR4.24%
Term24 Mos.
Last UpdatedJun 16, 2026
Details
As Low As; Up to 120% Financing on Approved Credit
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
Used Auto Loans
4.25%
0-24 months
▼
APR4.25%
Term0-24 months
Last UpdatedJun 29, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
Used Automobile Loan
4.25%
Up to 36 Months
▼
APR4.25%
TermUp to 36 Months
Last UpdatedJul 6, 2026
Details
As Low As; Fixed Rate
The Peoples Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.36%
New & Used Vehicles Loan
4.29%
3 yrs*
▼
APR4.29%
Term3 yrs*
Last UpdatedJun 23, 2026
Details
As low as; Rate includes both discounts
InvesTex Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
New and Used Auto Loan
4.29%
Up to 72 Months
▼
APR4.29%
TermUp to 72 Months
Last UpdatedJun 29, 2026
Details
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
Used & New Auto Loans
4.29%
61-72 months
▼
APR4.29%
Term61-72 months
Last UpdatedJul 7, 2026
Details
As Low As; *
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
Used Auto Loans - Cars and Light Trucks - 2022
4.30%
1 - 72 months
▼
APR4.30%
Term1 - 72 months
Last UpdatedJun 23, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
New & Used Vehicles - 60 months Loan
4.35%
60 months
▼
APR4.35%
Term60 months
Last UpdatedJun 26, 2026
Details
As Low As
Southwest Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.85%
Used Auto
4.39%
Up to 72 months
▼
APR4.39%
TermUp to 72 months
Last UpdatedJul 6, 2026
Details
As Low As; *
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
New & Used Autos
4.39%
49 - 65 Months
▼
APR4.39%
Term49 - 65 Months
Last UpdatedJul 6, 2026
Details
APR = Annual Percentage Rate. All Rates & Terms are subject to change without notice.
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
Used Auto Loans - Cars and Light Trucks - 2021
4.40%
1 - 66 months
▼
APR4.40%
Term1 - 66 months
Last UpdatedJun 23, 2026
Details
Americas Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
New and Used Auto Loans
4.40%
60-Months
▼
APR4.40%
Term60-Months
Last UpdatedJul 7, 2026
Details
As Low As; See Auto Loan Rates
Swemp Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
Pre-Owned Autos
4.45%
Up to 84 Months
▼
APR4.45%
TermUp to 84 Months
Last UpdatedJun 16, 2026
Details
As Low As; Based On Credit Score And Loan Term. APR = Annual percentage rate. Rates are based on a combination of your credit score, terms and other lending criteria. Each application is evaluated on an individual basis. Rates up to 18%. Stated "rates as low as" apply to well-qualified applicants. The annual percentage rate (APR) for certificate secured advances will be the dividend being paid on the Certificate offered as security plus the percentage shown above. The current ANNUAL PERCENTAGE RATE will be disclosed at the time of the advance. We may report information about your loan and deposit accounts to credit bureaus. Late payments, missed payments or other defaults on your accounts will be reflected in your credit report. Rates are subject to change without notice. Membership is required. For more information, please contact a Swemp Federal Credit Union representative at (903) 793-2274.
Domino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New and Used Autos
4.49%
Up to 72 Months
▼
APR4.49%
TermUp to 72 Months
Last UpdatedJun 16, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New & Used Autos
4.49%
48 Mos.
▼
APR4.49%
Term48 Mos.
Last UpdatedJun 16, 2026
Details
As Low As; Up to 120% Financing on Approved Credit
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
Used Vehicle Loan
4.49%
Up to 48 Months
▼
APR4.49%
TermUp to 48 Months
Last UpdatedJul 6, 2026
Details
Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.57%
New and Used Vehicles Loan
4.49%
Up to 48 Months
▼
APR4.49%
TermUp to 48 Months
Last UpdatedJul 7, 2026
Details
City Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
New or Used Auto Loans
4.49%
24 months
▼
APR4.49%
Term24 months
Last UpdatedJul 7, 2026
Details
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
Auto Loans Used
4.49%
54 months or Less
▼
APR4.49%
Term54 months or Less
Last UpdatedJul 7, 2026
Details
As Low As; Auto Loans Used
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
Used Auto Loans - Cars and Light Trucks - 2020
4.50%
1 - 60 months
▼
APR4.50%
Term1 - 60 months
Last UpdatedJun 23, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
Used Auto Loan
4.50%
Up to 72 months
▼
APR4.50%
TermUp to 72 months
Last UpdatedJun 23, 2026
Details
As Low As; 2022 & newer; Vehicles with less than 20k miles
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 UpdatedJun 23, 2026
Details
As Low As
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
Used Auto
4.50%
36mm
▼
APR4.50%
Term36mm
Last UpdatedJun 26, 2026
Details
Max Term 60m
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
Used Auto Loans
4.50%
49-60 months
▼
APR4.50%
Term49-60 months
Last UpdatedJun 29, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
Used Automobile Loan
4.50%
37 - 48 Months
▼
APR4.50%
Term37 - 48 Months
Last UpdatedJul 6, 2026
Details
As Low As; Fixed Rate
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Cars and Trucks Loan
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedJul 6, 2026
Details
Libertyone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.81%
New and Used Automobiles
4.55%
24 months
▼
APR4.55%
Term24 months
Last UpdatedJun 16, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Used Auto
4.59%
Up to 60 months
▼
APR4.59%
TermUp to 60 months
Last UpdatedJun 16, 2026
Details
As low as
One Source Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
New and Used Autos - Up to 48 Months
4.59%
Up to 48 Months
▼
APR4.59%
TermUp to 48 Months
Last UpdatedJul 6, 2026
Details
All loans quoted at 80% Loan to Value
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
Used Auto Loans - Cars and Light Trucks - 2019
4.60%
1 - 54 months
▼
APR4.60%
Term1 - 54 months
Last UpdatedJun 23, 2026
Details
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
Used Vehicle Loan
4.64%
Up to 60 Months
▼
APR4.64%
TermUp to 60 Months
Last UpdatedJul 6, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
New & Used Auto Loans
4.69%
96 Months
▼
APR4.69%
Term96 Months
Last UpdatedJul 6, 2026
Details
As low as
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
New And Used Autos
4.69%
Up to 36 Months
▼
APR4.69%
TermUp to 36 Months
Last UpdatedJul 6, 2026
Details
Maximum APR: 15.44%
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
Used Auto Loans - Cars and Light Trucks - 2018
4.70%
1 - 48 months
▼
APR4.70%
Term1 - 48 months
Last UpdatedJun 23, 2026
Details
Cherokee County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.79%
Used Car Loan
4.70%
72 months
▼
APR4.70%
Term72 months
Last UpdatedJun 23, 2026
Details
Rates as low as 4.60%.
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.33%
Used Auto Loan
4.74%
36 months
▼
APR4.74%
Term36 months
Last UpdatedJul 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%
Up to 48 mo.
▼
APR4.74%
TermUp to 48 mo.
Last UpdatedJul 6, 2026
Details
Rates effective 9/1/2025. All rates presented are APR (Annual Percentage Rate). Fixed rates. Rates shown are based on excellent credit history, underwriting criteria, and account qualification. Rates subject to change. Used Vehicles: 2023-2024 model years.
Austin Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.18%
Used Vehicles Loan
4.74%
66 months
▼
APR4.74%
Term66 months
Last UpdatedJul 6, 2026
Details
Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.57%
New and Used Vehicles Loan
4.74%
49 to 66 Months
▼
APR4.74%
Term49 to 66 Months
Last UpdatedJul 7, 2026
Details
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
Auto Loans Used
4.74%
72 months
▼
APR4.74%
Term72 months
Last UpdatedJul 7, 2026
Details
As Low As; Auto Loans Used
APR4.74%
TermUp to 48 mo.
Last UpdatedJul 7, 2026
Details
Rates effective 9/1/2025. Fixed rates. Rates shown are based on excellent credit history, underwriting criteria, and account qualification. Used Vehicles: 2023-2024 model years.
Libertyone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.81%
New and Used Automobiles
4.75%
36 months
▼
APR4.75%
Term36 months
Last UpdatedJun 16, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
Used Auto Loan
4.75%
Up to 78 months
▼
APR4.75%
TermUp to 78 months
Last UpdatedJun 23, 2026
Details
As Low As; 2024 & newer; Vehicles with less than 20k miles
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 UpdatedJun 23, 2026
Details
As Low As
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.62%
Used Automobiles & Light Trucks
4.75%
60 mos.
▼
APR4.75%
Term60 mos.
Last UpdatedJun 23, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
New & Used Vehicles - 72 months Loan
4.75%
72 months
▼
APR4.75%
Term72 months
Last UpdatedJun 26, 2026
Details
As Low As
Healthcare Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
Used Autos: 2017 - 2025
4.75%
Up to 48 months
▼
APR4.75%
TermUp to 48 months
Last UpdatedJul 6, 2026
Details
The Peoples Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.36%
New & Used Vehicles Loan
4.79%
7 yrs**
▼
APR4.79%
Term7 yrs**
Last UpdatedJun 23, 2026
Details
As low as
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
Used Auto Loans - Cars and Light Trucks - 2017
4.80%
1 - 42 months
▼
APR4.80%
Term1 - 42 months
Last UpdatedJun 23, 2026
Details
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
New And Used Autos
4.84%
49 - 60 Months
▼
APR4.84%
Term49 - 60 Months
Last UpdatedJul 6, 2026
Details
Maximum APR: 16.34%
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
Used Vehicle Loan
4.89%
Up to 72 Months
▼
APR4.89%
TermUp to 72 Months
Last UpdatedJul 6, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
New & Used Autos
4.89%
66 - 74 Months
▼
APR4.89%
Term66 - 74 Months
Last UpdatedJul 6, 2026
Details
APR = Annual Percentage Rate. All Rates & Terms are subject to change without notice.
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
Used Auto Loans - Cars and Light Trucks - 2016
4.90%
1 - 36 months
▼
APR4.90%
Term1 - 36 months
Last UpdatedJun 23, 2026
Details
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
Used Auto
4.90%
48m
▼
APR4.90%
Term48m
Last UpdatedJun 26, 2026
Details
Max Term 60m
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.33%
Used Auto Loan
4.90%
48 months
▼
APR4.90%
Term48 months
Last UpdatedJul 6, 2026
Details
As Low As; Qualified buyers: Take 90 days to make your first payment.
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
New And Used Autos
4.94%
37 - 48 Months
▼
APR4.94%
Term37 - 48 Months
Last UpdatedJul 6, 2026
Details
Maximum APR: 15.69%
Keystone Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.20%
Used Vehicle Loan
4.94%
Up to 60 Months
▼
APR4.94%
TermUp to 60 Months
Last UpdatedJul 7, 2026
Details
As Low As
Libertyone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.81%
New and Used Automobiles
4.95%
48 months
▼
APR4.95%
Term48 months
Last UpdatedJun 16, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
Used Automobile Loan
4.95%
49 - 60 Months
▼
APR4.95%
Term49 - 60 Months
Last UpdatedJul 6, 2026
Details
As Low As; Fixed Rate
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Pre-Owned (Used) Automobile (UA) A (720-799)
4.95%
37-60 Months
▼
APR4.95%
Term37-60 Months
Last UpdatedJul 7, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Pre-Owned (Used) Automobile (UA) A+ (800
4.95%
61-72 Months
▼
APR4.95%
Term61-72 Months
Last UpdatedJul 7, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Pre-Owned (Used) Automobile (UA) B (680-719)
4.95%
0-36 Months
▼
APR4.95%
Term0-36 Months
Last UpdatedJul 7, 2026
Details
Rockdale Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
Used Vehicles Loan
4.99%
Up to 78 Months
▼
APR4.99%
TermUp to 78 Months
Last UpdatedJun 16, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New & Used Autos
4.99%
72 Mos.
▼
APR4.99%
Term72 Mos.
Last UpdatedJun 16, 2026
Details
As Low As; Up to 120% Financing on Approved Credit
Lubrizol Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.17%
New & Used Automobile
4.99%
61 Mo to 72 Mo
▼
APR4.99%
Term61 Mo to 72 Mo
Last UpdatedJun 16, 2026
Details
APR* (financing over $30K)
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
Used Auto
4.99%
Up to 63 Months
▼
APR4.99%
TermUp to 63 Months
Last UpdatedJun 16, 2026
Details
ACFCU
Institution Rating:
A+5.0 ★ Texas Ratio: 5.44%
New & Used Vehicles Loan
4.99%
up to 72 months
▼
APR4.99%
Termup to 72 months
Last UpdatedJun 23, 2026
Details
Rates are subject to change without notice. Loan approval is based on creditworthiness. Rates effective on 01/05/2026
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MonitorBankRates
North Houston, TX Auto Loan Rate Trends
Compare local North Houston, 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
5.821%
▼ 0.199 vs 7 days ago
Texas new auto rates fell 0.199 points over the past 7 days to 5.821% APR.
Used Auto Loan — TX Avg
5.507%
▼ 0.021 vs 7 days ago
Texas used auto rates fell 0.021 points over the past 7 days to 5.507% APR.
As of Jul 7, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our North Houston, Texas auto loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Auto Loan Rate Data: We aggregate new and used auto loan rates for North Houston, Texas directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the lenders’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available auto loan products in North Houston, Texas. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in TX.
Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.
Frequently Asked Questions about Auto Loans in North Houston, 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 North Houston, 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 North Houston, 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 North Houston, Texas?
Based on our current data, some of the lowest auto loan rates available in North Houston, Texas include:
- IBEW Local 66 Federal Credit Union: 2.95% (New Vehicles, New Automobile (NA) - A+ (800)
- TEXOMA EDUCATORS: 2.99% (New vehicles Loan)
- Lubrizol Employees Credit Union: 3.24% (New & Used Automobile)
- Members Choice Credit Union: 3.24% (New and Pre-Owned Autos)
- American Airlines Federal Credit Union: 3.34% (New Auto)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in North Houston, Texas. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: July 7, 2026
North Houston, Texas Rates & Resources
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