Auto Loan Rates in Odessa, Texas (TX) for May 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Odessa, Texas. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Odessa, Texas include Southwest Heritage Credit UnionSouthwest Heritage Credit Union2809 John Ben Shepperd Pkwy, Odessa, TX, 79762 8125A+5.0 ★Texas Ratio: 4.59% offering NEW & USED AUTOS at 5.00%, TxDot Credit UnionTxDot Credit Union4692 E University Blvd Ste 102, Odessa, TX, 79762 6100A+5.0 ★Texas Ratio: 1.30% offering New Vehicles at 5.00%, My Community Credit UnionMy Community Credit Union4037 E 42nd St, Odessa, TX, 79762 5935A5.0 ★Texas Ratio: 10.16% offering New Auto Loan (2026 - 2025) at 5.24%, IBEW Local 66 Federal Credit UnionIBEW Local 66 Federal Credit UnionA+5.0 ★Texas Ratio: 1.98% offering New Automobile (NA) at 2.95%, TEXOMA EDUCATORSTEXOMA EDUCATORSA+5.0 ★Texas Ratio: 0.63% offering New vehicles at 2.99%. Auto loan rates as of May 12, 2026 according to verified data from MonitorBankRates.
Odessa has 3 local institutions in our database, with auto loan rates as low as 5.00% APR from Southwest Heritage Credit Union at 2809 John Ben Shepperd Pkwy, Odessa, TX, 79762 8125. 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 Odessa, Texas. Auto Loan Rates Last Updated and Verified: May 12, 2026
Compare Auto Loan Rates Today in Odessa, Texas & Surrounding Area
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Southwest Heritage Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.59%
2809 John Ben Shepperd Pkwy, Odessa, TX, 79762 8125
NEW & USED AUTOS
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedMay 10, 2026
Details
Up to 60 months ($5,000 - $14,999)
TxDot Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
4692 E University Blvd Ste 102, Odessa, TX, 79762 6100
New Vehicles
5.00%
36 to 72
▼
APR5.00%
Term36 to 72
Last UpdatedMay 12, 2026
Details
2025-2026; 84 month financing limitations
My Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.16%
4037 E 42nd St, Odessa, TX, 79762 5935
New Auto Loan (2026 - 2025)
5.24%
36 Months
▼
APR5.24%
Term36 Months
Last UpdatedMay 12, 2026
Details
Southwest Heritage Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.59%
2809 John Ben Shepperd Pkwy, Odessa, TX, 79762 8125
NEW & USED AUTOS
5.25%
84 Months
▼
APR5.25%
Term84 Months
Last UpdatedMay 10, 2026
Details
Up to 84 months ($15,000 - $49,999)
My Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.16%
4037 E 42nd St, Odessa, TX, 79762 5935
New Auto Loan (2026 - 2025)
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedMay 12, 2026
Details
My Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.16%
4037 E 42nd St, Odessa, TX, 79762 5935
Used Auto Loan (2026 - 2022)
5.49%
36 Months
▼
APR5.49%
Term36 Months
Last UpdatedMay 12, 2026
Details
My Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.16%
4037 E 42nd St, Odessa, TX, 79762 5935
New Auto Loan (2026 - 2025)
5.74%
72 Months
▼
APR5.74%
Term72 Months
Last UpdatedMay 12, 2026
Details
My Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.16%
4037 E 42nd St, Odessa, TX, 79762 5935
Used Auto Loan (2026 - 2022)
5.74%
60 Months
▼
APR5.74%
Term60 Months
Last UpdatedMay 12, 2026
Details
Southwest Heritage Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.59%
2809 John Ben Shepperd Pkwy, Odessa, TX, 79762 8125
NEW & USED AUTOS
5.75%
96 Months
▼
APR5.75%
Term96 Months
Last UpdatedMay 10, 2026
Details
Up to 96 months ($50,000 +)
TxDot Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
4692 E University Blvd Ste 102, Odessa, TX, 79762 6100
Used Vehicles
5.75%
60 Months
▼
APR5.75%
Term60 Months
Last UpdatedMay 12, 2026
Details
2021-2025
My Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.16%
4037 E 42nd St, Odessa, TX, 79762 5935
Used Auto Loan (2026 - 2022)
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMay 12, 2026
Details
TxDot Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
4692 E University Blvd Ste 102, Odessa, TX, 79762 6100
New Vehicle Loans
6.00%
84 Months
▼
APR6.00%
Term84 Months
Last UpdatedMay 12, 2026
Details
As Low As; up to 84 months
My Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.16%
4037 E 42nd St, Odessa, TX, 79762 5935
Used Auto Loan (2021 - 2020)
6.04%
36 Months
▼
APR6.04%
Term36 Months
Last UpdatedMay 12, 2026
Details
TxDot Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
4692 E University Blvd Ste 102, Odessa, TX, 79762 6100
Used Vehicle Loans
7.00%
60 Months
▼
APR7.00%
Term60 Months
Last UpdatedMay 12, 2026
Details
As Low As; up to 60 months
My Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.16%
4037 E 42nd St, Odessa, TX, 79762 5935
Used Auto Loan (2019 and older)
7.09%
36 Months
▼
APR7.09%
Term36 Months
Last UpdatedMay 12, 2026
Details
My Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.16%
4037 E 42nd St, Odessa, TX, 79762 5935
Used Auto Loan (2021 - 2020)
7.24%
72 Months
▼
APR7.24%
Term72 Months
Last UpdatedMay 12, 2026
Details
My Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.16%
4037 E 42nd St, Odessa, TX, 79762 5935
Used Auto Loan (2019 and older)
7.64%
60 Months
▼
APR7.64%
Term60 Months
Last UpdatedMay 12, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
New Automobile (NA)
2.95%
0-36
▼
APR2.95%
Term0-36
Last UpdatedMay 7, 2026
Details
Grade: A+ (800+)
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
Pre-Owned (Used) Automobile (UA)
2.95%
0-36
▼
APR2.95%
Term0-36
Last UpdatedMay 7, 2026
Details
Grade: A+ (800+)
APR2.99%
Term0-36
Last UpdatedMay 12, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New vehicles: 0-36 months
2.99%
36 Months
▼
APR2.99%
Term36 Months
Last UpdatedMay 12, 2026
Details
Lubrizol Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
New & Used Automobile
3.24%
24 Months
▼
APR3.24%
Term24 Months
Last UpdatedMay 10, 2026
Details
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
New and Pre-Owned Autos
3.24%
12-36
▼
APR3.24%
Term12-36
Last UpdatedMay 12, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
3.24%
Auto Buying Service
▼
APR3.24%
TermAuto Buying Service
Last UpdatedMay 12, 2026
Details
As Low As; APR - 2026 & Newer
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New & Used Autos
3.39%
Up to 36 Months
▼
APR3.39%
TermUp to 36 Months
Last UpdatedMay 6, 2026
Details
As Low As
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
New Autos
3.49%
36 Months
▼
APR3.49%
Term36 Months
Last UpdatedMay 12, 2026
Details
As Low As; Fewer than 7,500 miles
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
Used Autos
3.49%
36 Months
▼
APR3.49%
Term36 Months
Last UpdatedMay 12, 2026
Details
As Low As; Fewer than 100,000 miles
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
New Auto Loan
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
Used Auto Loan
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As; All model years, Up to 36 months
Star Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.08%
Auto Loans
3.53%
18 Months
▼
APR3.53%
Term18 Months
Last UpdatedMay 12, 2026
Details
Victoria City County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.81%
New & Used Auto Loans
3.58%
36 to 72 Months
▼
APR3.58%
Term36 to 72 Months
Last UpdatedMay 7, 2026
Details
Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
New Auto Loan
3.70%
75 Months
▼
APR3.70%
Term75 Months
Last UpdatedMay 6, 2026
Details
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
New & Used - Automobiles Year Models - 2020 & Newer
3.73%
Up to 36 Months
▼
APR3.73%
TermUp to 36 Months
Last UpdatedMay 12, 2026
Details
As Low As
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
3.74%
Up to 36 Months
▼
APR3.74%
TermUp to 36 Months
Last UpdatedMay 7, 2026
Details
As Low As
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
New Auto Loan
3.75%
48 Months
▼
APR3.75%
Term48 Months
Last UpdatedMay 6, 2026
Details
As Low As
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
Used Auto Loan
3.75%
48 Months
▼
APR3.75%
Term48 Months
Last UpdatedMay 6, 2026
Details
As Low As; All model years, Up to 48 months
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
New & Used - Automobiles Year Models - 2021 & Newer
3.80%
37 - 48 Months
▼
APR3.80%
Term37 - 48 Months
Last UpdatedMay 12, 2026
Details
As Low As
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
New & Used - Automobiles Year Models - 2022 & Newer
3.86%
49 - 60 Months
▼
APR3.86%
Term49 - 60 Months
Last UpdatedMay 12, 2026
Details
As Low As
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New & Used Autos
3.89%
37-48 Months
▼
APR3.89%
Term37-48 Months
Last UpdatedMay 6, 2026
Details
As Low As
Americas Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.51%
Auto Loans
3.89%
36 months
▼
APR3.89%
Term36 months
Last UpdatedMay 12, 2026
Details
As Low As; Fixed-Rate
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
New & Used - Automobiles Year Models - 2023 & Newer
3.92%
61 - 72 Months
▼
APR3.92%
Term61 - 72 Months
Last UpdatedMay 12, 2026
Details
As Low As
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
Auto Loans - Used & New
3.94%
0-36
▼
APR3.94%
Term0-36
Last UpdatedMay 12, 2026
Details
As Low As
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
New Automobile (NA)
3.95%
37-60
▼
APR3.95%
Term37-60
Last UpdatedMay 7, 2026
Details
Grade: A+ (800+)
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
Pre-Owned (Used) Automobile (UA)
3.95%
37-60
▼
APR3.95%
Term37-60
Last UpdatedMay 7, 2026
Details
Grade: A+ (800+)
Domino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New and Used Autos
3.95%
36 Months
▼
APR3.95%
Term36 Months
Last UpdatedMay 7, 2026
Details
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
New & Used - Automobiles Year Models - 2025 & Newer
3.98%
73 - 84 Months
▼
APR3.98%
Term73 - 84 Months
Last UpdatedMay 12, 2026
Details
As Low As
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
Repo Vehicle Loans
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedMay 4, 2026
Details
City of Deer Park Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
Auto Loan A+
3.99%
0-48
▼
APR3.99%
Term0-48
Last UpdatedMay 7, 2026
Details
TruGrocer Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.15%
Vehicle Loan
3.99%
24 Months
▼
APR3.99%
Term24 Months
Last UpdatedMay 7, 2026
Details
As Low As; 24 month to 84 month terms
Rockdale Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
New Vehicles
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 7, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
New Auto Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 7, 2026
Details
As Low As; Qualifying rate - Conditions apply
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
Used Auto Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 7, 2026
Details
As Low As; (Up to 5 Years old / 2021+)
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
NEW Autos Up to 36 Months
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 10, 2026
Details
As Low As
The State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
New Automotive
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 10, 2026
Details
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.73%
New Auto Loans
3.99%
54 Months
▼
APR3.99%
Term54 Months
Last UpdatedMay 12, 2026
Details
As Low As
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
Car Loans
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 12, 2026
Details
As Low As
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
New Auto
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedMay 12, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
Used or Refinanced Car Loans
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 12, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
3.99%
0 - 75 Months
▼
APR3.99%
Term0 - 75 Months
Last UpdatedMay 12, 2026
Details
As Low As; APR - 2026 & Newer
APR3.99%
Term37-48
Last UpdatedMay 12, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New vehicles: 37-48 months
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedMay 12, 2026
Details
APR3.99%
Term36-month
Last UpdatedMay 12, 2026
Details
As Low As
First Service Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.02%
Auto Loan
3.99%
36 - 84
▼
APR3.99%
Term36 - 84
Last UpdatedMay 12, 2026
Details
As Low As
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Cars and Trucks
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedMay 6, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
New Auto Loan
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
Used Auto Loan
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As; 2020 & newer, Up to 60 months
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
New & Used Auto
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.28%
New Automobiles & Light Trucks
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.28%
Used Automobiles & Light Trucks
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As
Starr County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
Auto Purchases
4.00%
84 Months
▼
APR4.00%
Term84 Months
Last UpdatedMay 7, 2026
Details
As Low As
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
Auto Loan - New Vehicles
4.00%
24 Months
▼
APR4.00%
Term24 Months
Last UpdatedMay 10, 2026
Details
Concho Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.64%
New Auto
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedMay 12, 2026
Details
As Low As; Maximum Loan: 100%
Concho Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.64%
Used Autos
4.00%
24 Months
▼
APR4.00%
Term24 Months
Last UpdatedMay 12, 2026
Details
As Low As; Maximum Loan: NADA RETAIL VALUE
Service 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
New Vehicle
4.00%
94 Months
▼
APR4.00%
Term94 Months
Last UpdatedMay 12, 2026
Details
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.71%
Auto Loans (New & Used)
4.05%
36 Months
▼
APR4.05%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As; 2019-2025 Model Years
Mesquite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.76%
New and Used Vehicles
4.10%
Up to 72 Months
▼
APR4.10%
TermUp to 72 Months
Last UpdatedMay 12, 2026
Details
As Low As
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
Auto Loan - New Vehicles
4.12%
36 Months
▼
APR4.12%
Term36 Months
Last UpdatedMay 10, 2026
Details
Memorial Credit Union Houston, TX
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
New Autos
4.14%
84 Months
▼
APR4.14%
Term84 Months
Last UpdatedMay 10, 2026
Details
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
Auto Loans - Used & New
4.14%
49-60
▼
APR4.14%
Term49-60
Last UpdatedMay 12, 2026
Details
As Low As
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Used Auto
4.24%
Up to 36 Months
▼
APR4.24%
TermUp to 36 Months
Last UpdatedMay 7, 2026
Details
As Low As
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.59%
2023-2025 Used Vehicles
4.24%
Up to 48 Months
▼
APR4.24%
TermUp to 48 Months
Last UpdatedMay 10, 2026
Details
APR4.24%
Term60-month
Last UpdatedMay 12, 2026
Details
As Low As
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
New Automobile Loan
4.25%
Up to 36
▼
APR4.25%
TermUp to 36
Last UpdatedMay 7, 2026
Details
As Low As
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
Used Automobile Loan
4.25%
Up to 36
▼
APR4.25%
TermUp to 36
Last UpdatedMay 7, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
New Auto Loan
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMay 7, 2026
Details
As Low As; Qualifying rate - Conditions apply
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
Used Auto Loan
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMay 7, 2026
Details
As Low As; (Up to 5 Years old / 2021+)
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
NEW Autos Up to 48 Months
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMay 10, 2026
Details
As Low As
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
USED Autos Up to 36 Months
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedMay 10, 2026
Details
As Low As
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
Auto Loan - New Vehicles
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMay 10, 2026
Details
APR4.25%
Term0-24
Last UpdatedMay 12, 2026
Details
APR4.25%
Term0-24
Last UpdatedMay 12, 2026
Details
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
Auto Loans - Used & New
4.29%
61-72
▼
APR4.29%
Term61-72
Last UpdatedMay 12, 2026
Details
As Low As
Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
Auto Loan
4.29%
48 Months
▼
APR4.29%
Term48 Months
Last UpdatedMay 12, 2026
Details
As Low As
Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
Auto Loans
4.29%
48 Months
▼
APR4.29%
Term48 Months
Last UpdatedMay 12, 2026
Details
As Low As
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
New Autos
4.29%
48 Months
▼
APR4.29%
Term48 Months
Last UpdatedMay 12, 2026
Details
As Low As; Fewer than 7,500 miles
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
Used Autos
4.29%
48 Months
▼
APR4.29%
Term48 Months
Last UpdatedMay 12, 2026
Details
As Low As; Fewer than 100,000 miles
Cherokee County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.87%
New Car Loan
4.35%
84 Months
▼
APR4.35%
Term84 Months
Last UpdatedMay 6, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
New & Used Vehicles
4.35%
60 Months
▼
APR4.35%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
Vehicle Loans
4.35%
60 months
▼
APR4.35%
Term60 months
Last UpdatedMay 7, 2026
Details
As Low As
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
Auto Loan - New Vehicles
4.38%
60 Months
▼
APR4.38%
Term60 Months
Last UpdatedMay 10, 2026
Details
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.48%
New And Used Autos
4.39%
Up to 36
▼
APR4.39%
TermUp to 36
Last UpdatedMay 6, 2026
Details
As Low As
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New & Used Autos
4.39%
49 - 65 Months
▼
APR4.39%
Term49 - 65 Months
Last UpdatedMay 6, 2026
Details
As Low As
Southwest Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.40%
New Auto
4.39%
72 Months
▼
APR4.39%
Term72 Months
Last UpdatedMay 7, 2026
Details
As Low As
Southwest Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.40%
Used Auto
4.39%
72 Months
▼
APR4.39%
Term72 Months
Last UpdatedMay 7, 2026
Details
As Low As
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
NEW Auto Loan
4.40%
36 Months
▼
APR4.40%
Term36 Months
Last UpdatedMay 7, 2026
Details
As Low As
Swemp Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
New Autos
4.45%
84 Months
▼
APR4.45%
Term84 Months
Last UpdatedMay 6, 2026
Details
As Low As; * As Low As (Based On Credit Score And Loan Term)
Swemp Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
Pre-Owned Autos
4.45%
84 Months
▼
APR4.45%
Term84 Months
Last UpdatedMay 6, 2026
Details
As Low As; * As Low As (Based On Credit Score And Loan Term)
Texasgulf Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.70%
New or used vehicle
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As
Gulf Shore Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.87%
Autos 2026-2022
4.49%
0-24
▼
APR4.49%
Term0-24
Last UpdatedMay 6, 2026
Details
As Low As
Lubbock Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Auto Loan
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMay 6, 2026
Details
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
New Vehicle
4.49%
Up to 48 Months
▼
APR4.49%
TermUp to 48 Months
Last UpdatedMay 7, 2026
Details
Domino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New and Used Autos
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedMay 7, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
4.49%
Up to 60 months
▼
APR4.49%
TermUp to 60 months
Last UpdatedMay 7, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
4.49%
24 Months
▼
APR4.49%
Term24 Months
Last UpdatedMay 10, 2026
Details
As Low As
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.59%
2023-2025 Used Vehicles
4.49%
Up to 72 Months
▼
APR4.49%
TermUp to 72 Months
Last UpdatedMay 10, 2026
Details
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.59%
2026 New Vehicles & Newer
4.49%
Up to 48-54 Months
▼
APR4.49%
TermUp to 48-54 Months
Last UpdatedMay 10, 2026
Details
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
NEW Autos Up to 60 Months
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As
Access Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.15%
New Vehicles - 5 years and newer**
4.49%
24 to 36
▼
APR4.49%
Term24 to 36
Last UpdatedMay 10, 2026
Details
Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.83%
New and Used Vehicles
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMay 12, 2026
Details
As Low As; Up to 48 Months
City Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.07%
New or Used Auto Loans
4.49%
24 Months
▼
APR4.49%
Term24 Months
Last UpdatedMay 12, 2026
Details
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.73%
Auto Loans Used
4.49%
54 Months
▼
APR4.49%
Term54 Months
Last UpdatedMay 12, 2026
Details
As Low As
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.73%
New Auto Loans
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedMay 12, 2026
Details
As Low As
Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
Auto Loan
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMay 12, 2026
Details
As Low As
Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
Auto Loans
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMay 12, 2026
Details
As Low As
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
Car Loans
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMay 12, 2026
Details
As Low As
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
New Auto
4.49%
Up to 48 months
▼
APR4.49%
TermUp to 48 months
Last UpdatedMay 12, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
Used or Refinanced Car Loans
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMay 12, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
4.49%
Auto Buying Service
▼
APR4.49%
TermAuto Buying Service
Last UpdatedMay 12, 2026
Details
As Low As; APR - 2023 - 2025*
APR4.49%
Term48 Months
Last UpdatedMay 12, 2026
Details
APR4.49%
Term72-month
Last UpdatedMay 12, 2026
Details
As Low As
Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
Pre-Owned Auto
4.49%
36-month
▼
APR4.49%
Term36-month
Last UpdatedMay 12, 2026
Details
As Low As
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Cars and Trucks
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedMay 6, 2026
Details
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Cars and Trucks
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedMay 6, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
New Auto Loan
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedMay 6, 2026
Details
As Low As
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
Used Auto Loan
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedMay 6, 2026
Details
As Low As; 2022 & newer, Up to 72 months
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
New & Used Auto
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedMay 6, 2026
Details
As Low As
Port Arthur Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
New Car
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedMay 6, 2026
Details
up to 60 month financing available
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
New Automobile Loan
4.50%
37 - 48
▼
APR4.50%
Term37 - 48
Last UpdatedMay 7, 2026
Details
As Low As
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
Used Automobile Loan
4.50%
37 - 48 Months
▼
APR4.50%
Term37 - 48 Months
Last UpdatedMay 7, 2026
Details
As Low As
Common Cents Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.15%
Auto Loan
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedMay 7, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
New Auto Loan
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As; Qualifying rate - Conditions apply
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
Used Auto Loan
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As; (Up to 5 Years old / 2021+)
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
USED Autos Up to 48 Months
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedMay 10, 2026
Details
As Low As
Concho Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.64%
New Auto
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedMay 12, 2026
Details
As Low As; Maximum Loan: 100%
APR4.50%
Term49-60
Last UpdatedMay 12, 2026
Details
APR4.50%
Term49-60
Last UpdatedMay 12, 2026
Details
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.48%
New And Used Autos
4.54%
49 - 60
▼
APR4.54%
Term49 - 60
Last UpdatedMay 6, 2026
Details
As Low As
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
New Autos
4.54%
71 Months
▼
APR4.54%
Term71 Months
Last UpdatedMay 12, 2026
Details
As Low As; Fewer than 7,500 miles
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
Used Autos
4.54%
71 Months
▼
APR4.54%
Term71 Months
Last UpdatedMay 12, 2026
Details
As Low As; Fewer than 100,000 miles
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
Car Loans
4.55%
2 Months
▼
APR4.55%
Term2 Months
Last UpdatedMay 6, 2026
Details
2011 to 2015 Model Year
Libertyone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.98%
New and Used Automobiles
4.55%
24 months
▼
APR4.55%
Term24 months
Last UpdatedMay 10, 2026
Details
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.21%
Used Auto Loan
4.59%
72 Months
▼
APR4.59%
Term72 Months
Last UpdatedMay 6, 2026
Details
As Low As; Loyalty Plus & Online Application Discount
Centex Citizens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.76%
New Vehicles 22025 and Newer
4.59%
36 Months
▼
APR4.59%
Term36 Months
Last UpdatedMay 10, 2026
Details
As Low As
Keystone Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.48%
New Vehicle
4.59%
60 Months
▼
APR4.59%
Term60 Months
Last UpdatedMay 12, 2026
Details
Cherokee County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.87%
Used Car Loan
4.60%
72 Months
▼
APR4.60%
Term72 Months
Last UpdatedMay 6, 2026
Details
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.48%
New And Used Autos
4.64%
37 - 48
▼
APR4.64%
Term37 - 48
Last UpdatedMay 6, 2026
Details
As Low As
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New & Used Autos
4.64%
66 - 74 Months
▼
APR4.64%
Term66 - 74 Months
Last UpdatedMay 6, 2026
Details
As Low As
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
New Vehicle
4.64%
Up to 60 Months
▼
APR4.64%
TermUp to 60 Months
Last UpdatedMay 7, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
New Auto
4.64%
Up to 63 Months
▼
APR4.64%
TermUp to 63 Months
Last UpdatedMay 10, 2026
Details
Centex Citizens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.76%
New Vehicles 22025-2027
4.64%
75 Months
▼
APR4.64%
Term75 Months
Last UpdatedMay 10, 2026
Details
As Low As
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.73%
Auto Loans Refinance
4.64%
54 Months
▼
APR4.64%
Term54 Months
Last UpdatedMay 12, 2026
Details
As Low As
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
Car Loans
4.65%
3 Months
▼
APR4.65%
Term3 Months
Last UpdatedMay 6, 2026
Details
2016 to 2019 Model Year
Chocolate Bayou Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.27%
Auto Loans Up to 60 Months
4.67%
60 Months
▼
APR4.67%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loan
4.69%
Up to 24 months
▼
APR4.69%
TermUp to 24 months
Last UpdatedMay 6, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loans
4.69%
Up to 24 months
▼
APR4.69%
TermUp to 24 months
Last UpdatedMay 6, 2026
Details
As Low As
Rockdale Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
New Vehicles
4.69%
48 Months
▼
APR4.69%
Term48 Months
Last UpdatedMay 7, 2026
Details
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
car loans risk grade a++
4.70%
2 Yrs
▼
APR4.70%
Term2 Yrs
Last UpdatedMay 6, 2026
Details
2011 to 2015
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
Auto Loans
4.74%
36 months
▼
APR4.74%
Term36 months
Last UpdatedMay 6, 2026
Details
As Low As; Qualified buyers: Take 90 days to make your first payment.
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
Used Auto Loans
4.74%
36 months
▼
APR4.74%
Term36 months
Last UpdatedMay 6, 2026
Details
As Low As; Qualified buyers: Take 90 days to make your first payment.
Lubbock Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Auto Loan
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedMay 6, 2026
Details
Lubbock Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Auto Loan
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMay 6, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMay 10, 2026
Details
As Low As
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.59%
2019 - 2022 Used Vehicles
4.74%
Up to 48 Months
▼
APR4.74%
TermUp to 48 Months
Last UpdatedMay 10, 2026
Details
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.59%
2026 New Vehicles & Newer
4.74%
Up to 60 Months
▼
APR4.74%
TermUp to 60 Months
Last UpdatedMay 10, 2026
Details
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.73%
Auto Loans Used
4.74%
72 Months
▼
APR4.74%
Term72 Months
Last UpdatedMay 12, 2026
Details
As Low As
Keystone Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.48%
New Vehicle
4.74%
78 Months
▼
APR4.74%
Term78 Months
Last UpdatedMay 12, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
New Auto Loan
4.74%
Up to 36 Months
▼
APR4.74%
TermUp to 36 Months
Last UpdatedMay 12, 2026
Details
As Low As
APR4.74%
Term60 Months
Last UpdatedMay 12, 2026
Details
APR4.74%
Term48 Months
Last UpdatedMay 12, 2026
Details
Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
Pre-Owned Auto
4.74%
60-month
▼
APR4.74%
Term60-month
Last UpdatedMay 12, 2026
Details
As Low As
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
Car Loans
4.75%
4 Months
▼
APR4.75%
Term4 Months
Last UpdatedMay 6, 2026
Details
2020 to 2024 Model Year
Healthcare Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
New Autos: 2025 - 2026, Demos < 10,000 Miles
4.75%
Up to 48 months
▼
APR4.75%
TermUp to 48 months
Last UpdatedMay 6, 2026
Details
Healthcare Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
Used Autos: 2017 - 2025
4.75%
Up to 48 months
▼
APR4.75%
TermUp to 48 months
Last UpdatedMay 6, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
New Auto Loan
4.75%
78 Months
▼
APR4.75%
Term78 Months
Last UpdatedMay 6, 2026
Details
As Low As
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
Used Auto Loan
4.75%
78 Months
▼
APR4.75%
Term78 Months
Last UpdatedMay 6, 2026
Details
As Low As; 2024 & newer, Up to 78 months
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
New & Used Auto
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.28%
New Automobiles & Light Trucks
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.28%
Used Automobiles & Light Trucks
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
New & Used Vehicles
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMay 7, 2026
Details
As Low As
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
Vehicle Loans
4.75%
72 months
▼
APR4.75%
Term72 months
Last UpdatedMay 7, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
New Auto Loan
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMay 7, 2026
Details
As Low As; Qualifying rate - Conditions apply
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
Used Auto Loan
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMay 7, 2026
Details
As Low As; (Up to 5 Years old / 2021+)
Libertyone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.98%
New and Used Automobiles
4.75%
36 months
▼
APR4.75%
Term36 months
Last UpdatedMay 10, 2026
Details
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
NEW Autos Up to 72 Months
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMay 10, 2026
Details
As Low As
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
USED Autos Up to 60 Months
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
Auto Loan - New Vehicles
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMay 10, 2026
Details
Concho Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.64%
New Auto
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMay 12, 2026
Details
As Low As; Maximum Loan: 100%
Eastman Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
New Auto
4.75%
36 - 120 months
▼
APR4.75%
Term36 - 120 months
Last UpdatedMay 12, 2026
Details
As Low As
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.48%
New And Used Autos
4.79%
61 - 75
▼
APR4.79%
Term61 - 75
Last UpdatedMay 6, 2026
Details
As Low As
MilWay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
New/Used Vehicles (2026-older)
4.79%
Up to 51 Months
▼
APR4.79%
TermUp to 51 Months
Last UpdatedMay 7, 2026
Details
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Southwest Heritage Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.59%
2809 John Ben Shepperd Pkwy, Odessa, TX, 79762 8125
NEW & USED AUTOS
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedMay 10, 2026
Details
Up to 60 months ($5,000 - $14,999)
TxDot Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
4692 E University Blvd Ste 102, Odessa, TX, 79762 6100
New Vehicles
5.00%
36 to 72
▼
APR5.00%
Term36 to 72
Last UpdatedMay 12, 2026
Details
2025-2026; 84 month financing limitations
My Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.16%
4037 E 42nd St, Odessa, TX, 79762 5935
New Auto Loan (2026 - 2025)
5.24%
36 Months
▼
APR5.24%
Term36 Months
Last UpdatedMay 12, 2026
Details
Southwest Heritage Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.59%
2809 John Ben Shepperd Pkwy, Odessa, TX, 79762 8125
NEW & USED AUTOS
5.25%
84 Months
▼
APR5.25%
Term84 Months
Last UpdatedMay 10, 2026
Details
Up to 84 months ($15,000 - $49,999)
My Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.16%
4037 E 42nd St, Odessa, TX, 79762 5935
New Auto Loan (2026 - 2025)
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedMay 12, 2026
Details
My Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.16%
4037 E 42nd St, Odessa, TX, 79762 5935
New Auto Loan (2026 - 2025)
5.74%
72 Months
▼
APR5.74%
Term72 Months
Last UpdatedMay 12, 2026
Details
Southwest Heritage Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.59%
2809 John Ben Shepperd Pkwy, Odessa, TX, 79762 8125
NEW & USED AUTOS
5.75%
96 Months
▼
APR5.75%
Term96 Months
Last UpdatedMay 10, 2026
Details
Up to 96 months ($50,000 +)
TxDot Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
4692 E University Blvd Ste 102, Odessa, TX, 79762 6100
New Vehicle Loans
6.00%
84 Months
▼
APR6.00%
Term84 Months
Last UpdatedMay 12, 2026
Details
As Low As; up to 84 months
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
New Automobile (NA)
2.95%
0-36
▼
APR2.95%
Term0-36
Last UpdatedMay 7, 2026
Details
Grade: A+ (800+)
APR2.99%
Term0-36
Last UpdatedMay 12, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New vehicles: 0-36 months
2.99%
36 Months
▼
APR2.99%
Term36 Months
Last UpdatedMay 12, 2026
Details
Lubrizol Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
New & Used Automobile
3.24%
24 Months
▼
APR3.24%
Term24 Months
Last UpdatedMay 10, 2026
Details
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
New and Pre-Owned Autos
3.24%
12-36
▼
APR3.24%
Term12-36
Last UpdatedMay 12, 2026
Details
As Low As
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New & Used Autos
3.39%
Up to 36 Months
▼
APR3.39%
TermUp to 36 Months
Last UpdatedMay 6, 2026
Details
As Low As
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
New Autos
3.49%
36 Months
▼
APR3.49%
Term36 Months
Last UpdatedMay 12, 2026
Details
As Low As; Fewer than 7,500 miles
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
New Auto Loan
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As
Victoria City County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.81%
New & Used Auto Loans
3.58%
36 to 72 Months
▼
APR3.58%
Term36 to 72 Months
Last UpdatedMay 7, 2026
Details
Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
New Auto Loan
3.70%
75 Months
▼
APR3.70%
Term75 Months
Last UpdatedMay 6, 2026
Details
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
New & Used - Automobiles Year Models - 2020 & Newer
3.73%
Up to 36 Months
▼
APR3.73%
TermUp to 36 Months
Last UpdatedMay 12, 2026
Details
As Low As
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
3.74%
Up to 36 Months
▼
APR3.74%
TermUp to 36 Months
Last UpdatedMay 7, 2026
Details
As Low As
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
New Auto Loan
3.75%
48 Months
▼
APR3.75%
Term48 Months
Last UpdatedMay 6, 2026
Details
As Low As
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
New & Used - Automobiles Year Models - 2021 & Newer
3.80%
37 - 48 Months
▼
APR3.80%
Term37 - 48 Months
Last UpdatedMay 12, 2026
Details
As Low As
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
New & Used - Automobiles Year Models - 2022 & Newer
3.86%
49 - 60 Months
▼
APR3.86%
Term49 - 60 Months
Last UpdatedMay 12, 2026
Details
As Low As
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New & Used Autos
3.89%
37-48 Months
▼
APR3.89%
Term37-48 Months
Last UpdatedMay 6, 2026
Details
As Low As
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
New & Used - Automobiles Year Models - 2023 & Newer
3.92%
61 - 72 Months
▼
APR3.92%
Term61 - 72 Months
Last UpdatedMay 12, 2026
Details
As Low As
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
Auto Loans - Used & New
3.94%
0-36
▼
APR3.94%
Term0-36
Last UpdatedMay 12, 2026
Details
As Low As
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
New Automobile (NA)
3.95%
37-60
▼
APR3.95%
Term37-60
Last UpdatedMay 7, 2026
Details
Grade: A+ (800+)
Domino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New and Used Autos
3.95%
36 Months
▼
APR3.95%
Term36 Months
Last UpdatedMay 7, 2026
Details
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
New & Used - Automobiles Year Models - 2025 & Newer
3.98%
73 - 84 Months
▼
APR3.98%
Term73 - 84 Months
Last UpdatedMay 12, 2026
Details
As Low As
Rockdale Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
New Vehicles
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 7, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
New Auto Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 7, 2026
Details
As Low As; Qualifying rate - Conditions apply
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
NEW Autos Up to 36 Months
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 10, 2026
Details
As Low As
The State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
New Automotive
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 10, 2026
Details
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.73%
New Auto Loans
3.99%
54 Months
▼
APR3.99%
Term54 Months
Last UpdatedMay 12, 2026
Details
As Low As
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
New Auto
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedMay 12, 2026
Details
APR3.99%
Term37-48
Last UpdatedMay 12, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New vehicles: 37-48 months
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedMay 12, 2026
Details
APR3.99%
Term36-month
Last UpdatedMay 12, 2026
Details
As Low As
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Cars and Trucks
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedMay 6, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
New Auto Loan
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
New & Used Auto
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.28%
New Automobiles & Light Trucks
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
Auto Loan - New Vehicles
4.00%
24 Months
▼
APR4.00%
Term24 Months
Last UpdatedMay 10, 2026
Details
Concho Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.64%
New Auto
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedMay 12, 2026
Details
As Low As; Maximum Loan: 100%
Service 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
New Vehicle
4.00%
94 Months
▼
APR4.00%
Term94 Months
Last UpdatedMay 12, 2026
Details
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.71%
Auto Loans (New & Used)
4.05%
36 Months
▼
APR4.05%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As; 2019-2025 Model Years
Mesquite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.76%
New and Used Vehicles
4.10%
Up to 72 Months
▼
APR4.10%
TermUp to 72 Months
Last UpdatedMay 12, 2026
Details
As Low As
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
Auto Loan - New Vehicles
4.12%
36 Months
▼
APR4.12%
Term36 Months
Last UpdatedMay 10, 2026
Details
Memorial Credit Union Houston, TX
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
New Autos
4.14%
84 Months
▼
APR4.14%
Term84 Months
Last UpdatedMay 10, 2026
Details
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
Auto Loans - Used & New
4.14%
49-60
▼
APR4.14%
Term49-60
Last UpdatedMay 12, 2026
Details
As Low As
APR4.24%
Term60-month
Last UpdatedMay 12, 2026
Details
As Low As
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
New Automobile Loan
4.25%
Up to 36
▼
APR4.25%
TermUp to 36
Last UpdatedMay 7, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
New Auto Loan
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMay 7, 2026
Details
As Low As; Qualifying rate - Conditions apply
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
NEW Autos Up to 48 Months
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMay 10, 2026
Details
As Low As
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
Auto Loan - New Vehicles
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMay 10, 2026
Details
APR4.25%
Term0-24
Last UpdatedMay 12, 2026
Details
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
Auto Loans - Used & New
4.29%
61-72
▼
APR4.29%
Term61-72
Last UpdatedMay 12, 2026
Details
As Low As
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
New Autos
4.29%
48 Months
▼
APR4.29%
Term48 Months
Last UpdatedMay 12, 2026
Details
As Low As; Fewer than 7,500 miles
Cherokee County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.87%
New Car Loan
4.35%
84 Months
▼
APR4.35%
Term84 Months
Last UpdatedMay 6, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
New & Used Vehicles
4.35%
60 Months
▼
APR4.35%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
Auto Loan - New Vehicles
4.38%
60 Months
▼
APR4.38%
Term60 Months
Last UpdatedMay 10, 2026
Details
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.48%
New And Used Autos
4.39%
Up to 36
▼
APR4.39%
TermUp to 36
Last UpdatedMay 6, 2026
Details
As Low As
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New & Used Autos
4.39%
49 - 65 Months
▼
APR4.39%
Term49 - 65 Months
Last UpdatedMay 6, 2026
Details
As Low As
Southwest Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.40%
New Auto
4.39%
72 Months
▼
APR4.39%
Term72 Months
Last UpdatedMay 7, 2026
Details
As Low As
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
NEW Auto Loan
4.40%
36 Months
▼
APR4.40%
Term36 Months
Last UpdatedMay 7, 2026
Details
As Low As
Swemp Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
New Autos
4.45%
84 Months
▼
APR4.45%
Term84 Months
Last UpdatedMay 6, 2026
Details
As Low As; * As Low As (Based On Credit Score And Loan Term)
Texasgulf Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.70%
New or used vehicle
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As
Lubbock Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Auto Loan
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMay 6, 2026
Details
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
New Vehicle
4.49%
Up to 48 Months
▼
APR4.49%
TermUp to 48 Months
Last UpdatedMay 7, 2026
Details
Domino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New and Used Autos
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedMay 7, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
4.49%
Up to 60 months
▼
APR4.49%
TermUp to 60 months
Last UpdatedMay 7, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
4.49%
24 Months
▼
APR4.49%
Term24 Months
Last UpdatedMay 10, 2026
Details
As Low As
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.59%
2026 New Vehicles & Newer
4.49%
Up to 48-54 Months
▼
APR4.49%
TermUp to 48-54 Months
Last UpdatedMay 10, 2026
Details
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
NEW Autos Up to 60 Months
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As
Access Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.15%
New Vehicles - 5 years and newer**
4.49%
24 to 36
▼
APR4.49%
Term24 to 36
Last UpdatedMay 10, 2026
Details
Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.83%
New and Used Vehicles
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMay 12, 2026
Details
As Low As; Up to 48 Months
City Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.07%
New or Used Auto Loans
4.49%
24 Months
▼
APR4.49%
Term24 Months
Last UpdatedMay 12, 2026
Details
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.73%
New Auto Loans
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedMay 12, 2026
Details
As Low As
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
New Auto
4.49%
Up to 48 months
▼
APR4.49%
TermUp to 48 months
Last UpdatedMay 12, 2026
Details
APR4.49%
Term48 Months
Last UpdatedMay 12, 2026
Details
APR4.49%
Term72-month
Last UpdatedMay 12, 2026
Details
As Low As
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Cars and Trucks
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedMay 6, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
New Auto Loan
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedMay 6, 2026
Details
As Low As
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
New & Used Auto
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedMay 6, 2026
Details
As Low As
Port Arthur Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
New Car
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedMay 6, 2026
Details
up to 60 month financing available
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
New Automobile Loan
4.50%
37 - 48
▼
APR4.50%
Term37 - 48
Last UpdatedMay 7, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
New Auto Loan
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As; Qualifying rate - Conditions apply
Concho Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.64%
New Auto
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedMay 12, 2026
Details
As Low As; Maximum Loan: 100%
APR4.50%
Term49-60
Last UpdatedMay 12, 2026
Details
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.48%
New And Used Autos
4.54%
49 - 60
▼
APR4.54%
Term49 - 60
Last UpdatedMay 6, 2026
Details
As Low As
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
New Autos
4.54%
71 Months
▼
APR4.54%
Term71 Months
Last UpdatedMay 12, 2026
Details
As Low As; Fewer than 7,500 miles
Libertyone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.98%
New and Used Automobiles
4.55%
24 months
▼
APR4.55%
Term24 months
Last UpdatedMay 10, 2026
Details
Centex Citizens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.76%
New Vehicles 22025 and Newer
4.59%
36 Months
▼
APR4.59%
Term36 Months
Last UpdatedMay 10, 2026
Details
As Low As
Keystone Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.48%
New Vehicle
4.59%
60 Months
▼
APR4.59%
Term60 Months
Last UpdatedMay 12, 2026
Details
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.48%
New And Used Autos
4.64%
37 - 48
▼
APR4.64%
Term37 - 48
Last UpdatedMay 6, 2026
Details
As Low As
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New & Used Autos
4.64%
66 - 74 Months
▼
APR4.64%
Term66 - 74 Months
Last UpdatedMay 6, 2026
Details
As Low As
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
New Vehicle
4.64%
Up to 60 Months
▼
APR4.64%
TermUp to 60 Months
Last UpdatedMay 7, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
New Auto
4.64%
Up to 63 Months
▼
APR4.64%
TermUp to 63 Months
Last UpdatedMay 10, 2026
Details
Centex Citizens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.76%
New Vehicles 22025-2027
4.64%
75 Months
▼
APR4.64%
Term75 Months
Last UpdatedMay 10, 2026
Details
As Low As
Rockdale Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
New Vehicles
4.69%
48 Months
▼
APR4.69%
Term48 Months
Last UpdatedMay 7, 2026
Details
Lubbock Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Auto Loan
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedMay 6, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMay 10, 2026
Details
As Low As
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.59%
2026 New Vehicles & Newer
4.74%
Up to 60 Months
▼
APR4.74%
TermUp to 60 Months
Last UpdatedMay 10, 2026
Details
Keystone Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.48%
New Vehicle
4.74%
78 Months
▼
APR4.74%
Term78 Months
Last UpdatedMay 12, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
New Auto Loan
4.74%
Up to 36 Months
▼
APR4.74%
TermUp to 36 Months
Last UpdatedMay 12, 2026
Details
As Low As
APR4.74%
Term60 Months
Last UpdatedMay 12, 2026
Details
Healthcare Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
New Autos: 2025 - 2026, Demos < 10,000 Miles
4.75%
Up to 48 months
▼
APR4.75%
TermUp to 48 months
Last UpdatedMay 6, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
New Auto Loan
4.75%
78 Months
▼
APR4.75%
Term78 Months
Last UpdatedMay 6, 2026
Details
As Low As
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
New & Used Auto
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.28%
New Automobiles & Light Trucks
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
New & Used Vehicles
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMay 7, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
New Auto Loan
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMay 7, 2026
Details
As Low As; Qualifying rate - Conditions apply
Libertyone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.98%
New and Used Automobiles
4.75%
36 months
▼
APR4.75%
Term36 months
Last UpdatedMay 10, 2026
Details
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
NEW Autos Up to 72 Months
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMay 10, 2026
Details
As Low As
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
Auto Loan - New Vehicles
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMay 10, 2026
Details
Concho Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.64%
New Auto
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMay 12, 2026
Details
As Low As; Maximum Loan: 100%
Eastman Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
New Auto
4.75%
36 - 120 months
▼
APR4.75%
Term36 - 120 months
Last UpdatedMay 12, 2026
Details
As Low As
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.48%
New And Used Autos
4.79%
61 - 75
▼
APR4.79%
Term61 - 75
Last UpdatedMay 6, 2026
Details
As Low As
MilWay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
New/Used Vehicles (2026-older)
4.79%
Up to 51 Months
▼
APR4.79%
TermUp to 51 Months
Last UpdatedMay 7, 2026
Details
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Southwest Heritage Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.59%
2809 John Ben Shepperd Pkwy, Odessa, TX, 79762 8125
NEW & USED AUTOS
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedMay 10, 2026
Details
Up to 60 months ($5,000 - $14,999)
Southwest Heritage Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.59%
2809 John Ben Shepperd Pkwy, Odessa, TX, 79762 8125
NEW & USED AUTOS
5.25%
84 Months
▼
APR5.25%
Term84 Months
Last UpdatedMay 10, 2026
Details
Up to 84 months ($15,000 - $49,999)
My Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.16%
4037 E 42nd St, Odessa, TX, 79762 5935
Used Auto Loan (2026 - 2022)
5.49%
36 Months
▼
APR5.49%
Term36 Months
Last UpdatedMay 12, 2026
Details
My Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.16%
4037 E 42nd St, Odessa, TX, 79762 5935
Used Auto Loan (2026 - 2022)
5.74%
60 Months
▼
APR5.74%
Term60 Months
Last UpdatedMay 12, 2026
Details
Southwest Heritage Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.59%
2809 John Ben Shepperd Pkwy, Odessa, TX, 79762 8125
NEW & USED AUTOS
5.75%
96 Months
▼
APR5.75%
Term96 Months
Last UpdatedMay 10, 2026
Details
Up to 96 months ($50,000 +)
TxDot Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
4692 E University Blvd Ste 102, Odessa, TX, 79762 6100
Used Vehicles
5.75%
60 Months
▼
APR5.75%
Term60 Months
Last UpdatedMay 12, 2026
Details
2021-2025
My Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.16%
4037 E 42nd St, Odessa, TX, 79762 5935
Used Auto Loan (2026 - 2022)
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMay 12, 2026
Details
My Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.16%
4037 E 42nd St, Odessa, TX, 79762 5935
Used Auto Loan (2021 - 2020)
6.04%
36 Months
▼
APR6.04%
Term36 Months
Last UpdatedMay 12, 2026
Details
TxDot Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
4692 E University Blvd Ste 102, Odessa, TX, 79762 6100
Used Vehicle Loans
7.00%
60 Months
▼
APR7.00%
Term60 Months
Last UpdatedMay 12, 2026
Details
As Low As; up to 60 months
My Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.16%
4037 E 42nd St, Odessa, TX, 79762 5935
Used Auto Loan (2019 and older)
7.09%
36 Months
▼
APR7.09%
Term36 Months
Last UpdatedMay 12, 2026
Details
My Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.16%
4037 E 42nd St, Odessa, TX, 79762 5935
Used Auto Loan (2021 - 2020)
7.24%
72 Months
▼
APR7.24%
Term72 Months
Last UpdatedMay 12, 2026
Details
My Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.16%
4037 E 42nd St, Odessa, TX, 79762 5935
Used Auto Loan (2019 and older)
7.64%
60 Months
▼
APR7.64%
Term60 Months
Last UpdatedMay 12, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
Pre-Owned (Used) Automobile (UA)
2.95%
0-36
▼
APR2.95%
Term0-36
Last UpdatedMay 7, 2026
Details
Grade: A+ (800+)
Lubrizol Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
New & Used Automobile
3.24%
24 Months
▼
APR3.24%
Term24 Months
Last UpdatedMay 10, 2026
Details
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
New and Pre-Owned Autos
3.24%
12-36
▼
APR3.24%
Term12-36
Last UpdatedMay 12, 2026
Details
As Low As
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New & Used Autos
3.39%
Up to 36 Months
▼
APR3.39%
TermUp to 36 Months
Last UpdatedMay 6, 2026
Details
As Low As
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
Used Autos
3.49%
36 Months
▼
APR3.49%
Term36 Months
Last UpdatedMay 12, 2026
Details
As Low As; Fewer than 100,000 miles
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
Used Auto Loan
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As; All model years, Up to 36 months
Victoria City County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.81%
New & Used Auto Loans
3.58%
36 to 72 Months
▼
APR3.58%
Term36 to 72 Months
Last UpdatedMay 7, 2026
Details
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
New & Used - Automobiles Year Models - 2020 & Newer
3.73%
Up to 36 Months
▼
APR3.73%
TermUp to 36 Months
Last UpdatedMay 12, 2026
Details
As Low As
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
Used Auto Loan
3.75%
48 Months
▼
APR3.75%
Term48 Months
Last UpdatedMay 6, 2026
Details
As Low As; All model years, Up to 48 months
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
New & Used - Automobiles Year Models - 2021 & Newer
3.80%
37 - 48 Months
▼
APR3.80%
Term37 - 48 Months
Last UpdatedMay 12, 2026
Details
As Low As
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
New & Used - Automobiles Year Models - 2022 & Newer
3.86%
49 - 60 Months
▼
APR3.86%
Term49 - 60 Months
Last UpdatedMay 12, 2026
Details
As Low As
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New & Used Autos
3.89%
37-48 Months
▼
APR3.89%
Term37-48 Months
Last UpdatedMay 6, 2026
Details
As Low As
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
New & Used - Automobiles Year Models - 2023 & Newer
3.92%
61 - 72 Months
▼
APR3.92%
Term61 - 72 Months
Last UpdatedMay 12, 2026
Details
As Low As
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
Auto Loans - Used & New
3.94%
0-36
▼
APR3.94%
Term0-36
Last UpdatedMay 12, 2026
Details
As Low As
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
Pre-Owned (Used) Automobile (UA)
3.95%
37-60
▼
APR3.95%
Term37-60
Last UpdatedMay 7, 2026
Details
Grade: A+ (800+)
Domino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New and Used Autos
3.95%
36 Months
▼
APR3.95%
Term36 Months
Last UpdatedMay 7, 2026
Details
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
New & Used - Automobiles Year Models - 2025 & Newer
3.98%
73 - 84 Months
▼
APR3.98%
Term73 - 84 Months
Last UpdatedMay 12, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
Used Auto Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 7, 2026
Details
As Low As; (Up to 5 Years old / 2021+)
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
Used or Refinanced Car Loans
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 12, 2026
Details
As Low As
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
Used Auto Loan
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As; 2020 & newer, Up to 60 months
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
New & Used Auto
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.28%
Used Automobiles & Light Trucks
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As
Concho Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.64%
Used Autos
4.00%
24 Months
▼
APR4.00%
Term24 Months
Last UpdatedMay 12, 2026
Details
As Low As; Maximum Loan: NADA RETAIL VALUE
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.71%
Auto Loans (New & Used)
4.05%
36 Months
▼
APR4.05%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As; 2019-2025 Model Years
Mesquite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.76%
New and Used Vehicles
4.10%
Up to 72 Months
▼
APR4.10%
TermUp to 72 Months
Last UpdatedMay 12, 2026
Details
As Low As
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
Auto Loans - Used & New
4.14%
49-60
▼
APR4.14%
Term49-60
Last UpdatedMay 12, 2026
Details
As Low As
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Used Auto
4.24%
Up to 36 Months
▼
APR4.24%
TermUp to 36 Months
Last UpdatedMay 7, 2026
Details
As Low As
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.59%
2023-2025 Used Vehicles
4.24%
Up to 48 Months
▼
APR4.24%
TermUp to 48 Months
Last UpdatedMay 10, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
Used Automobile Loan
4.25%
Up to 36
▼
APR4.25%
TermUp to 36
Last UpdatedMay 7, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
Used Auto Loan
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMay 7, 2026
Details
As Low As; (Up to 5 Years old / 2021+)
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
USED Autos Up to 36 Months
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedMay 10, 2026
Details
As Low As
APR4.25%
Term0-24
Last UpdatedMay 12, 2026
Details
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
Auto Loans - Used & New
4.29%
61-72
▼
APR4.29%
Term61-72
Last UpdatedMay 12, 2026
Details
As Low As
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
Used Autos
4.29%
48 Months
▼
APR4.29%
Term48 Months
Last UpdatedMay 12, 2026
Details
As Low As; Fewer than 100,000 miles
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
New & Used Vehicles
4.35%
60 Months
▼
APR4.35%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.48%
New And Used Autos
4.39%
Up to 36
▼
APR4.39%
TermUp to 36
Last UpdatedMay 6, 2026
Details
As Low As
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New & Used Autos
4.39%
49 - 65 Months
▼
APR4.39%
Term49 - 65 Months
Last UpdatedMay 6, 2026
Details
As Low As
Southwest Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.40%
Used Auto
4.39%
72 Months
▼
APR4.39%
Term72 Months
Last UpdatedMay 7, 2026
Details
As Low As
Swemp Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
Pre-Owned Autos
4.45%
84 Months
▼
APR4.45%
Term84 Months
Last UpdatedMay 6, 2026
Details
As Low As; * As Low As (Based On Credit Score And Loan Term)
Texasgulf Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.70%
New or used vehicle
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As
Domino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New and Used Autos
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedMay 7, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
4.49%
24 Months
▼
APR4.49%
Term24 Months
Last UpdatedMay 10, 2026
Details
As Low As
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.59%
2023-2025 Used Vehicles
4.49%
Up to 72 Months
▼
APR4.49%
TermUp to 72 Months
Last UpdatedMay 10, 2026
Details
Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.83%
New and Used Vehicles
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMay 12, 2026
Details
As Low As; Up to 48 Months
City Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.07%
New or Used Auto Loans
4.49%
24 Months
▼
APR4.49%
Term24 Months
Last UpdatedMay 12, 2026
Details
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.73%
Auto Loans Used
4.49%
54 Months
▼
APR4.49%
Term54 Months
Last UpdatedMay 12, 2026
Details
As Low As
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
Used or Refinanced Car Loans
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMay 12, 2026
Details
As Low As
Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
Pre-Owned Auto
4.49%
36-month
▼
APR4.49%
Term36-month
Last UpdatedMay 12, 2026
Details
As Low As
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Cars and Trucks
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedMay 6, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
Used Auto Loan
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedMay 6, 2026
Details
As Low As; 2022 & newer, Up to 72 months
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
New & Used Auto
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedMay 6, 2026
Details
As Low As
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
Used Automobile Loan
4.50%
37 - 48 Months
▼
APR4.50%
Term37 - 48 Months
Last UpdatedMay 7, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
Used Auto Loan
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As; (Up to 5 Years old / 2021+)
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
USED Autos Up to 48 Months
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedMay 10, 2026
Details
As Low As
APR4.50%
Term49-60
Last UpdatedMay 12, 2026
Details
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.48%
New And Used Autos
4.54%
49 - 60
▼
APR4.54%
Term49 - 60
Last UpdatedMay 6, 2026
Details
As Low As
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
Used Autos
4.54%
71 Months
▼
APR4.54%
Term71 Months
Last UpdatedMay 12, 2026
Details
As Low As; Fewer than 100,000 miles
Libertyone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.98%
New and Used Automobiles
4.55%
24 months
▼
APR4.55%
Term24 months
Last UpdatedMay 10, 2026
Details
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.21%
Used Auto Loan
4.59%
72 Months
▼
APR4.59%
Term72 Months
Last UpdatedMay 6, 2026
Details
As Low As; Loyalty Plus & Online Application Discount
Cherokee County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.87%
Used Car Loan
4.60%
72 Months
▼
APR4.60%
Term72 Months
Last UpdatedMay 6, 2026
Details
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.48%
New And Used Autos
4.64%
37 - 48
▼
APR4.64%
Term37 - 48
Last UpdatedMay 6, 2026
Details
As Low As
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New & Used Autos
4.64%
66 - 74 Months
▼
APR4.64%
Term66 - 74 Months
Last UpdatedMay 6, 2026
Details
As Low As
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
Used Auto Loans
4.74%
36 months
▼
APR4.74%
Term36 months
Last UpdatedMay 6, 2026
Details
As Low As; Qualified buyers: Take 90 days to make your first payment.
Lubbock Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Auto Loan
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMay 6, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMay 10, 2026
Details
As Low As
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.59%
2019 - 2022 Used Vehicles
4.74%
Up to 48 Months
▼
APR4.74%
TermUp to 48 Months
Last UpdatedMay 10, 2026
Details
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.73%
Auto Loans Used
4.74%
72 Months
▼
APR4.74%
Term72 Months
Last UpdatedMay 12, 2026
Details
As Low As
APR4.74%
Term48 Months
Last UpdatedMay 12, 2026
Details
Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
Pre-Owned Auto
4.74%
60-month
▼
APR4.74%
Term60-month
Last UpdatedMay 12, 2026
Details
As Low As
Healthcare Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
Used Autos: 2017 - 2025
4.75%
Up to 48 months
▼
APR4.75%
TermUp to 48 months
Last UpdatedMay 6, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
Used Auto Loan
4.75%
78 Months
▼
APR4.75%
Term78 Months
Last UpdatedMay 6, 2026
Details
As Low As; 2024 & newer, Up to 78 months
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
New & Used Auto
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.28%
Used Automobiles & Light Trucks
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
New & Used Vehicles
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMay 7, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
Used Auto Loan
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMay 7, 2026
Details
As Low As; (Up to 5 Years old / 2021+)
Libertyone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.98%
New and Used Automobiles
4.75%
36 months
▼
APR4.75%
Term36 months
Last UpdatedMay 10, 2026
Details
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
USED Autos Up to 60 Months
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.48%
New And Used Autos
4.79%
61 - 75
▼
APR4.79%
Term61 - 75
Last UpdatedMay 6, 2026
Details
As Low As
MilWay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
New/Used Vehicles (2026-older)
4.79%
Up to 51 Months
▼
APR4.79%
TermUp to 51 Months
Last UpdatedMay 7, 2026
Details
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MonitorBankRates
Odessa, TX Auto Loan Rate Trends
Compare local Odessa, 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
5.713%
▲ 0.258 vs 7 days ago
Texas new auto rates rose 0.258 points over the past 7 days to 5.713% APR.
Used Auto Loan — TX Avg
5.810%
▲ 0.061 vs 7 days ago
Texas used auto rates rose 0.061 points over the past 7 days to 5.810% APR.
As of May 14, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions about Auto Loans in Odessa, 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 Odessa, 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 Odessa, 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 Odessa, Texas?
Based on our current data, some of the lowest auto loan rates available in Odessa, Texas include:
- Southwest Heritage Credit Union: 5.00% (NEW & USED AUTOS)
- TxDot Credit Union: 5.00% (New Vehicles)
- My Community Credit Union: 5.24% (New Auto Loan (2026 - 2025))
- IBEW Local 66 Federal Credit Union: 2.95% (New Automobile (NA))
- TEXOMA EDUCATORS: 2.99% (New vehicles)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Odessa, Texas. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 12, 2026
Rate Assistant
MonitorBankRates.com · Live Data
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