Auto Loan Rates in Odessa, Texas (TX) for March 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in 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 First Financial Bank (TX)First Financial Bank (TX)3555 Billy Hext Rd, Odessa, TX, 79765A+5.0 ★Texas Ratio: 3.64% offering New Car Loan at 4.29%, First National Bank TexasFirst National Bank Texas4210 John Ben Shepperd Pkwy, Odessa, TX, 79762F1.0 ★Texas Ratio: 63.89% offering Auto Loan at 4.43%, Odessa Employees Credit UnionOdessa Employees Credit Union1006 E 7th St, Odessa, TX, 79761 4623A+5.0 ★Texas Ratio: 0.00% offering New & Used Vehicles at 4.50%, TxDot Credit UnionTxDot Credit Union4692 E University Blvd Ste 102, Odessa, TX, 79762 6100A+5.0 ★Texas Ratio: 1.30% offering New Vehicles 2025-2026 at 5.00%, My Community Credit UnionMy Community Credit Union4037 E 42nd St, Odessa, TX, 79762 5935A5.0 ★Texas Ratio: 10.16% offering New (2026 - 2025) Auto Loan at 5.24%. Auto loan rates as of March 25, 2026 according to verified data from MonitorBankRates.
Auto loan rates in Odessa, Texas are continually updated to reflect market conditions. We recommend comparing rates from multiple lenders before visiting the dealership.
We empower borrowers with transparent financial health metrics—including A-F Safety Grades, verified Star Ratings, and Texas Ratios—so you can confidently choose a stable, highly-rated institution.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Odessa, Texas. Auto Loan Rates Last Updated and Verified: March 25, 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
First Financial Bank (TX)
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
3555 Billy Hext Rd, Odessa, TX, 79765
New Car Loan
4.29%
48 Months
▼
APR4.29%
Term48 Months
Last UpdatedMar 18, 2026
Details
Rate shown includes .25% discount if you sign up for an auto-draft from a First Financial account
First National Bank Texas
Institution Rating:
F1.0 ★ Texas Ratio: 63.89%
4210 John Ben Shepperd Pkwy, Odessa, TX, 79762
Auto Loan
4.43%
66 Months
▼
APR4.43%
Term66 Months
Last UpdatedMar 24, 2026
Details
Offer excludes refinancing of existing First National Bank Texas, First Convenience Bank, and First Heroes National Bank loans.
Odessa Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1006 E 7th St, Odessa, TX, 79761 4623
New & Used Vehicles
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedMar 24, 2026
Details
First Financial Bank (TX)
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
3555 Billy Hext Rd, Odessa, TX, 79765
Used Car Loan
4.64%
48 Months
▼
APR4.64%
Term48 Months
Last UpdatedMar 18, 2026
Details
Rate shown includes .25% discount if you sign up for an auto-draft from a First Financial account
Odessa Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1006 E 7th St, Odessa, TX, 79761 4623
New & Used Vehicles
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMar 24, 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 Vehicles 2025-2026
5.00%
36 to 72
▼
APR5.00%
Term36 to 72
Last UpdatedMar 24, 2026
Details
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 (2026 - 2025) Auto Loan
5.24%
36 Months
▼
APR5.24%
Term36 Months
Last UpdatedMar 20, 2026
Details
Odessa Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1006 E 7th St, Odessa, TX, 79761 4623
New & Used Vehicles
5.25%
84 Months
▼
APR5.25%
Term84 Months
Last UpdatedMar 24, 2026
Details
My Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.16%
4037 E 42nd St, Odessa, TX, 79762 5935
New (2026 - 2025) Auto Loan
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedMar 20, 2026
Details
My Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.16%
4037 E 42nd St, Odessa, TX, 79762 5935
Used (2026 - 2022) Auto Loan
5.49%
36 Months
▼
APR5.49%
Term36 Months
Last UpdatedMar 20, 2026
Details
My Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.16%
4037 E 42nd St, Odessa, TX, 79762 5935
New (2026 - 2025) Auto Loan
5.74%
72 Months
▼
APR5.74%
Term72 Months
Last UpdatedMar 20, 2026
Details
My Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.16%
4037 E 42nd St, Odessa, TX, 79762 5935
Used (2026 - 2022) Auto Loan
5.74%
60 Months
▼
APR5.74%
Term60 Months
Last UpdatedMar 20, 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 Vehicles 2021-2025
5.75%
60 Months
▼
APR5.75%
Term60 Months
Last UpdatedMar 24, 2026
Details
Odessa Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1006 E 7th St, Odessa, TX, 79761 4623
New & Used Vehicles
5.75%
60 Months
▼
APR5.75%
Term60 Months
Last UpdatedMar 24, 2026
Details
My Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.16%
4037 E 42nd St, Odessa, TX, 79762 5935
Used (2026 - 2022) Auto Loan
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMar 20, 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 UpdatedMar 24, 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 (2021 - 2020) Auto Loan
6.04%
36 Months
▼
APR6.04%
Term36 Months
Last UpdatedMar 20, 2026
Details
Odessa Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1006 E 7th St, Odessa, TX, 79761 4623
New & Used Vehicles
6.25%
84 Months
▼
APR6.25%
Term84 Months
Last UpdatedMar 24, 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 UpdatedMar 24, 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 (2019 and older) Auto Loan
7.09%
36 Months
▼
APR7.09%
Term36 Months
Last UpdatedMar 20, 2026
Details
My Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.16%
4037 E 42nd St, Odessa, TX, 79762 5935
Used (2021 - 2020) Auto Loan
7.24%
72 Months
▼
APR7.24%
Term72 Months
Last UpdatedMar 20, 2026
Details
My Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.16%
4037 E 42nd St, Odessa, TX, 79762 5935
Used (2019 and older) Auto Loan
7.64%
60 Months
▼
APR7.64%
Term60 Months
Last UpdatedMar 20, 2026
Details
Odessa Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1006 E 7th St, Odessa, TX, 79761 4623
New & Used Vehicles
8.75%
60 Months
▼
APR8.75%
Term60 Months
Last UpdatedMar 24, 2026
Details
Odessa Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1006 E 7th St, Odessa, TX, 79761 4623
New & Used Vehicles
9.25%
84 Months
▼
APR9.25%
Term84 Months
Last UpdatedMar 24, 2026
Details
Odessa Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1006 E 7th St, Odessa, TX, 79761 4623
New & Used Vehicles
11.75%
60 Months
▼
APR11.75%
Term60 Months
Last UpdatedMar 24, 2026
Details
Odessa Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1006 E 7th St, Odessa, TX, 79761 4623
New & Used Vehicles
12.25%
84 Months
▼
APR12.25%
Term84 Months
Last UpdatedMar 24, 2026
Details
Odessa Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1006 E 7th St, Odessa, TX, 79761 4623
New & Used Vehicles
14.75%
60 Months
▼
APR14.75%
Term60 Months
Last UpdatedMar 24, 2026
Details
Odessa Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1006 E 7th St, Odessa, TX, 79761 4623
New & Used Vehicles
15.25%
84 Months
▼
APR15.25%
Term84 Months
Last UpdatedMar 24, 2026
Details
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
New Vehicles
2.00%
60 Months
▼
APR2.00%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2016-2017
2.00%
36 Months
▼
APR2.00%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2018-2020
2.00%
48 Months
▼
APR2.00%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
New Vehicles
2.25%
72 Months
▼
APR2.25%
Term72 Months
Last UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2014-2015
2.25%
36 Months
▼
APR2.25%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2016-2017
2.25%
48 Months
▼
APR2.25%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2018-2020
2.25%
60 Months
▼
APR2.25%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2013 & Older
2.75%
36 Months
▼
APR2.75%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2014-2015
2.75%
48 Months
▼
APR2.75%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2016-2017
2.75%
60 Months
▼
APR2.75%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2018-2020
2.75%
72 Months
▼
APR2.75%
Term72 Months
Last UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
New Auto Loan
2.95%
0-36
▼
APR2.95%
Term0-36
Last UpdatedMar 21, 2026
Details
CREDIT SCORE: A+ (800+)
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
506 W Lamar St, Sherman, TX, 75090 5840
New vehicles
2.99%
0-36
▼
APR2.99%
Term0-36
Last UpdatedMar 21, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
506 W Lamar St, Sherman, TX, 75090 5840
New vehicles: 0-36 months
2.99%
36 Months
▼
APR2.99%
Term36 Months
Last UpdatedMar 21, 2026
Details
Lubrizol Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
205 Center St, Deer Park, TX, 77536 2735
New & Used Automobile
3.24%
24 Months
▼
APR3.24%
Term24 Months
Last UpdatedMar 20, 2026
Details
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
18211 Katy Fwy, Houston, TX, 77094 1395
New and Pre-Owned Autos
3.24%
12-36
▼
APR3.24%
Term12-36
Last UpdatedMar 20, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
7034 Alamo Downs Pkwy, San Antonio, TX, 78238
Auto Loans
3.24%
Auto Buying Service
▼
APR3.24%
TermAuto Buying Service
Last UpdatedMar 25, 2026
Details
As Low As; APR - 2026 & Newer
Education First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
740 Fannin St, Beaumont, TX, 77701
New and Used Vehicle Loan
3.25%
36 Months
▼
APR3.25%
Term36 Months
Last UpdatedMar 25, 2026
Details
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.09%
2302 Church St, Galveston, TX, 77550
Vehicle Loans
3.31%
0-36 Months
▼
APR3.31%
Term0-36 Months
Last UpdatedMar 25, 2026
Details
A+ Credit*
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.09%
2302 Church St, Galveston, TX, 77550
Vehicle Loans A+ Credit
3.31%
0-36 Months
▼
APR3.31%
Term0-36 Months
Last UpdatedMar 25, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
2901 Sens Rd, La Porte, TX, 77571
New & Used Autos
3.39%
Up to 36 Months
▼
APR3.39%
TermUp to 36 Months
Last UpdatedMar 16, 2026
Details
USE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
400 S Akard St, Dallas, TX, 75202 5324
New & Used Autos
3.49%
72 Months
▼
APR3.49%
Term72 Months
Last UpdatedMar 22, 2026
Details
As Low As
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
676 Magnolia Ave, Port Neches, TX, 77651
New Auto Loan
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMar 15, 2026
Details
As Low As
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
676 Magnolia Ave, Port Neches, TX, 77651
Used Auto Loan
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMar 15, 2026
Details
As Low As; All model years, Up to 36 months
Seagoville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2209 N Highway 175, Seagoville, TX, 75159 2137
New Cars, Trucks, Vans
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMar 21, 2026
Details
As Low As
Education First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
740 Fannin St, Beaumont, TX, 77701
New and Used Vehicle Loan
3.50%
48 Months
▼
APR3.50%
Term48 Months
Last UpdatedMar 25, 2026
Details
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.09%
2302 Church St, Galveston, TX, 77550
Vehicle Loans
3.56%
0-36 Months
▼
APR3.56%
Term0-36 Months
Last UpdatedMar 25, 2026
Details
A Credit*
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.09%
2302 Church St, Galveston, TX, 77550
Vehicle Loans A Credit
3.56%
0-36 Months
▼
APR3.56%
Term0-36 Months
Last UpdatedMar 25, 2026
Details
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.09%
2302 Church St, Galveston, TX, 77550
Vehicle Loans A+ Credit
3.56%
37-48 Months
▼
APR3.56%
Term37-48 Months
Last UpdatedMar 25, 2026
Details
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2020 & Newer
3.65%
36 Months
▼
APR3.65%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2021 & Newer
3.65%
48 Months
▼
APR3.65%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2022 & Newer
3.65%
60 Months
▼
APR3.65%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2023 & Newer
3.65%
72 Months
▼
APR3.65%
Term72 Months
Last UpdatedMar 20, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2025 & Newer
3.67%
84 Months
▼
APR3.67%
Term84 Months
Last UpdatedMar 20, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
Victoria City County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.81%
205 N Bridge St Ste 111, Victoria, TX, 77901
New & Used Auto Loans
3.67%
36 to 72 Months
▼
APR3.67%
Term36 to 72 Months
Last UpdatedMar 22, 2026
Details
Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
183 E Price Rd, Brownsville, TX, 78521
New Auto Loan
3.70%
75 Months
▼
APR3.70%
Term75 Months
Last UpdatedMar 22, 2026
Details
up to 75 Months
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
2900 Decker Dr, Baytown, TX, 77520 2076
New Autos
3.74%
36 Months
▼
APR3.74%
Term36 Months
Last UpdatedMar 25, 2026
Details
As Low As; Fewer than 7,500 miles
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
2900 Decker Dr, Baytown, TX, 77520 2076
Used Autos
3.74%
36 Months
▼
APR3.74%
Term36 Months
Last UpdatedMar 25, 2026
Details
As Low As; Fewer than 100,000 miles
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
676 Magnolia Ave, Port Neches, TX, 77651
New Auto Loan
3.75%
48 Months
▼
APR3.75%
Term48 Months
Last UpdatedMar 15, 2026
Details
As Low As
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
676 Magnolia Ave, Port Neches, TX, 77651
Used Auto Loan
3.75%
48 Months
▼
APR3.75%
Term48 Months
Last UpdatedMar 15, 2026
Details
As Low As; All model years, Up to 48 months
Seagoville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2209 N Highway 175, Seagoville, TX, 75159 2137
New Cars, Trucks, Vans
3.75%
48 Months
▼
APR3.75%
Term48 Months
Last UpdatedMar 21, 2026
Details
As Low As
Education First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
740 Fannin St, Beaumont, TX, 77701
New and Used Vehicle Loan
3.75%
60 Months
▼
APR3.75%
Term60 Months
Last UpdatedMar 25, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
2901 Sens Rd, La Porte, TX, 77571
New & Used Autos
3.89%
37-48 Months
▼
APR3.89%
Term37-48 Months
Last UpdatedMar 16, 2026
Details
Star Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.08%
10429 Leopard St, Corpus Christi, TX, 78410 1933
Auto Loans
3.90%
18 Months
▼
APR3.90%
Term18 Months
Last UpdatedMar 24, 2026
Details
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
2801 N 6th St, Abilene, TX, 79603
New Auto Loans - Cars and Light Trucks
3.90%
1 - 84 months
▼
APR3.90%
Term1 - 84 months
Last UpdatedMar 24, 2026
Details
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
2801 N 6th St, Abilene, TX, 79603
Used Auto Loans - Cars and Light Trucks 2024
3.90%
1 - 84
▼
APR3.90%
Term1 - 84
Last UpdatedMar 24, 2026
Details
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
2801 N 6th St, Abilene, TX, 79603
Used Auto Loans - Cars and Light Trucks 2025
3.90%
1 - 84
▼
APR3.90%
Term1 - 84
Last UpdatedMar 24, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
Auto Loan A+
3.95%
0-36
▼
APR3.95%
Term0-36
Last UpdatedMar 21, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
New Auto Loan
3.95%
37-60
▼
APR3.95%
Term37-60
Last UpdatedMar 21, 2026
Details
CREDIT SCORE: A+ (800+)
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.73%
13649 Montfort Dr, Dallas, TX, 75240 2521
New Auto Loans
3.99%
54 Months
▼
APR3.99%
Term54 Months
Last UpdatedMar 15, 2026
Details
As Low As
First Service Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.02%
3923 5th St, Brookshire, TX, 77423
Auto Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As
First Service Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.02%
3923 5th St, Brookshire, TX, 77423
Drive Smart Auto Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As
First Service Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.02%
3923 5th St, Brookshire, TX, 77423
First Time Auto Buyer Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As
Houston Highway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
8120 Washington Ave, Houston, TX, 77007
New Vehicle Loan
3.99%
24 - 72+ Months
▼
APR3.99%
Term24 - 72+ Months
Last UpdatedMar 20, 2026
Details
Houston Highway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
8120 Washington Ave, Houston, TX, 77007
Used Vehicle Loan
3.99%
24 - 72+ Months
▼
APR3.99%
Term24 - 72+ Months
Last UpdatedMar 20, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
14090 Southwest Fwy Ste 260, Sugar Land, TX, 77478 3678
New Auto Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; Qualifying rate - Conditions apply
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
14090 Southwest Fwy Ste 260, Sugar Land, TX, 77478 3678
Used Auto Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; (Up to 5 Years old / 2021+)
Oak Cliff Christian Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
1130 W Camp Wisdom Rd, Dallas, TX, 75232 3404
Auto Loan
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; No payments for 90 days.
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX, 77087 1109
Car Loans
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMar 21, 2026
Details
As Low As; New Auto
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedMar 21, 2026
Details
As Low As
Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
17 S 1st St, Temple, TX, 76501 7603
New Auto
3.99%
36-month
▼
APR3.99%
Term36-month
Last UpdatedMar 21, 2026
Details
As Low As
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
506 W Lamar St, Sherman, TX, 75090 5840
New vehicles
3.99%
37-48
▼
APR3.99%
Term37-48
Last UpdatedMar 21, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
506 W Lamar St, Sherman, TX, 75090 5840
New vehicles: 37-48 months
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedMar 21, 2026
Details
United Heritage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.47%
12208 N Mopac Expy, Austin, TX, 78758
New/Used Auto Loan
3.99%
12 to 84 Months
▼
APR3.99%
Term12 to 84 Months
Last UpdatedMar 22, 2026
Details
As Low As
United Energy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.67%
8790 FM 1960 Bypass Rd W Ste 500A, Humble, TX, 77338 3950
New/Used Auto
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedMar 22, 2026
Details
80% Financing MSRP or NADA Retail (20% down)
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
24909 Kuykendahl Rd, Tomball, TX, 77375 3295
NEW Autos Up to 36 Months
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMar 22, 2026
Details
As Low As
Valwood Park Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
1001 E Crosby Rd, Carrollton, TX, 75006 7260
Used Auto/Refinance Auto
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedMar 22, 2026
Details
As Low As
The State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
6160 WARREN PKWY STE 500, FRISCO, TX, 75034 9673
New Automotive
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMar 22, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
7034 Alamo Downs Pkwy, San Antonio, TX, 78238
Auto Loans
3.99%
0 - 75 Months
▼
APR3.99%
Term0 - 75 Months
Last UpdatedMar 25, 2026
Details
As Low As; APR - 2026 & Newer
City of Deer Park Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
2005 Center St, Deer Park, TX, 77536
Auto Loan A+
3.99%
0-48
▼
APR3.99%
Term0-48
Last UpdatedMar 25, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
676 Magnolia Ave, Port Neches, TX, 77651
New Auto Loan
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedMar 15, 2026
Details
As Low As
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
676 Magnolia Ave, Port Neches, TX, 77651
Used Auto Loan
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedMar 15, 2026
Details
As Low As; 2020 & newer, Up to 60 months
Starr County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
1322 E San Benito St, Rio Grande City, TX, 78582
Auto Purchases
4.00%
84 Months
▼
APR4.00%
Term84 Months
Last UpdatedMar 15, 2026
Details
As Low As
Starr County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
1322 E San Benito St, Rio Grande City, TX, 78582
Auto Refinances
4.00%
84 Months
▼
APR4.00%
Term84 Months
Last UpdatedMar 15, 2026
Details
As Low As
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.28%
3505 Wildewood Dr, San Angelo, TX, 76904
New Automobiles & Light Trucks
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedMar 16, 2026
Details
As Low As
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.28%
3505 Wildewood Dr, San Angelo, TX, 76904
Used Automobiles & Light Trucks
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedMar 16, 2026
Details
As Low As
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
5211 E Parkway St, Groves, TX, 77619
New & Used Auto
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.19%
3030 Cullen Blvd Ste 111, Pearland, TX, 77584
Auto Loan
4.00%
1 - 48
▼
APR4.00%
Term1 - 48
Last UpdatedMar 20, 2026
Details
Seagoville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2209 N Highway 175, Seagoville, TX, 75159 2137
New Cars, Trucks, Vans
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedMar 21, 2026
Details
As Low As
Seagoville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2209 N Highway 175, Seagoville, TX, 75159 2137
Used Cars, Trucks, Vans
4.00%
12 Months
▼
APR4.00%
Term12 Months
Last UpdatedMar 21, 2026
Details
As Low As
Service 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
10001 Jack Finney Blvd, Greenville, TX, 75402
New Vehicle
4.00%
94 Months
▼
APR4.00%
Term94 Months
Last UpdatedMar 24, 2026
Details
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2610 Network Blvd Ste 600, Frisco, TX, 75034 6009
New Cars and Trucks
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedMar 24, 2026
Details
Concho Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.64%
1002 S Abe St, San Angelo, TX, 76903 7240
New Auto
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedMar 25, 2026
Details
As Low As; for 36 months
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.02%
9601 Jones Rd, Houston, TX, 77065
New & Used Auto
4.00%
36 to 84 Months
▼
APR4.00%
Term36 to 84 Months
Last UpdatedMar 25, 2026
Details
As Low As
Energy Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
18540 Northwest Fwy, Houston, TX, 77065
New Autos
4.00%
60 - 84
▼
APR4.00%
Term60 - 84
Last UpdatedMar 25, 2026
Details
As Low As
Energy Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
18540 Northwest Fwy, Houston, TX, 77065
Used Autos
4.00%
60 - 84
▼
APR4.00%
Term60 - 84
Last UpdatedMar 25, 2026
Details
As Low As
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
16597 Interstate 45 S, Conroe, TX, 77385
Auto Loan - New Vehicles
4.00%
24 Months
▼
APR4.00%
Term24 Months
Last UpdatedMar 25, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
16597 Interstate 45 S, Conroe, TX, 77385
New Auto Loan
4.00%
24 Months
▼
APR4.00%
Term24 Months
Last UpdatedMar 25, 2026
Details
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.71%
100 Dominion Park Dr, Houston, TX, 77090 6716
Auto Loan
4.05%
36 Months
▼
APR4.05%
Term36 Months
Last UpdatedMar 21, 2026
Details
As Low As; Model Years: 2019-2025
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.09%
2302 Church St, Galveston, TX, 77550
Vehicle Loans
4.06%
0-36 Months
▼
APR4.06%
Term0-36 Months
Last UpdatedMar 25, 2026
Details
B Credit*
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.09%
2302 Church St, Galveston, TX, 77550
Vehicle Loans A Credit
4.06%
37-48 Months
▼
APR4.06%
Term37-48 Months
Last UpdatedMar 25, 2026
Details
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.09%
2302 Church St, Galveston, TX, 77550
Vehicle Loans A+ Credit
4.06%
49-60 Months
▼
APR4.06%
Term49-60 Months
Last UpdatedMar 25, 2026
Details
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.09%
2302 Church St, Galveston, TX, 77550
Vehicle Loans B Credit
4.06%
0-36 Months
▼
APR4.06%
Term0-36 Months
Last UpdatedMar 25, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
100 N Kimball Ave Ste 103, Southlake, TX, 76092 8024
New Cars
4.09%
Up to 12 months
▼
APR4.09%
TermUp to 12 months
Last UpdatedMar 25, 2026
Details
Mesquite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.76%
1510 N Galloway Ave, Mesquite, TX, 75149
New and Used Vehicles
4.10%
Up to 72 Months
▼
APR4.10%
TermUp to 72 Months
Last UpdatedMar 20, 2026
Details
As Low As
Cherokee County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.87%
145 FM 2972 W, RUSK, TX, 75785
New Vehicles-W.A.C.- 2026-2024 Up to 72 months
4.10%
72 Months
▼
APR4.10%
Term72 Months
Last UpdatedMar 25, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
16597 Interstate 45 S, Conroe, TX, 77385
Auto Loan - New Vehicles
4.12%
36 Months
▼
APR4.12%
Term36 Months
Last UpdatedMar 25, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
16597 Interstate 45 S, Conroe, TX, 77385
New Auto Loan
4.12%
36 Months
▼
APR4.12%
Term36 Months
Last UpdatedMar 25, 2026
Details
Memorial Credit Union Houston, TX
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
7789 Southwest fwy Ste 175, Houston, TX, 77074 1831
New Autos
4.14%
84 Months
▼
APR4.14%
Term84 Months
Last UpdatedMar 20, 2026
Details
1
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
2801 N 6th St, Abilene, TX, 79603
Used Auto Loans - Cars and Light Trucks 2023
4.15%
1 - 78
▼
APR4.15%
Term1 - 78
Last UpdatedMar 24, 2026
Details
FAA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
16600 John F Kennedy Blvd, Houston, TX, 77032 6514
2025 & Newer Auto Loans
4.19%
36 Months
▼
APR4.19%
Term36 Months
Last UpdatedMar 18, 2026
Details
JSC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.82%
1330 Gemini St, Houston, TX, 77058
Auto Refinance 2016-2018
4.19%
48 Months
▼
APR4.19%
Term48 Months
Last UpdatedMar 22, 2026
Details
As Low As
JSC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.82%
1330 Gemini St, Houston, TX, 77058
Auto Refinance 2019-2023
4.19%
48 Months
▼
APR4.19%
Term48 Months
Last UpdatedMar 22, 2026
Details
As Low As
JSC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.82%
1330 Gemini St, Houston, TX, 77058
Auto Refinance 2024-2025
4.19%
48 Months
▼
APR4.19%
Term48 Months
Last UpdatedMar 22, 2026
Details
As Low As
JSC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.82%
1330 Gemini St, Houston, TX, 77058
Auto Refinance 2025-2026 New
4.19%
48 Months
▼
APR4.19%
Term48 Months
Last UpdatedMar 22, 2026
Details
As Low As
City Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.82%
901 S LINCOLN ST, AMARILLO, TX, 79101 3637
New and Used Auto Loan
4.24%
36 Months
▼
APR4.24%
Term36 Months
Last UpdatedMar 16, 2026
Details
As Low As
Rockdale Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
1821 W Cameron Ave, Rockdale, TX, 76567
New Vehicles
4.24%
Up to 84 months
▼
APR4.24%
TermUp to 84 months
Last UpdatedMar 21, 2026
Details
Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
17 S 1st St, Temple, TX, 76501 7603
New Auto
4.24%
60-month
▼
APR4.24%
Term60-month
Last UpdatedMar 21, 2026
Details
As Low As
Common Cents Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.15%
8109 Smith Rd, Beaumont, TX, 77705 6108
Auto Loan
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedMar 16, 2026
Details
As Low As
Gulf Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
5140 W Parkway St, Groves, TX, 77619
New and Used Autos
4.25%
36 months
▼
APR4.25%
Term36 months
Last UpdatedMar 20, 2026
Details
As Low As
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
16320 Kensington Dr, Sugar Land, TX, 77479 4097
New Automobile Loan
4.25%
Up to 36 Months
▼
APR4.25%
TermUp to 36 Months
Last UpdatedMar 20, 2026
Details
As Low As
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
16320 Kensington Dr, Sugar Land, TX, 77479 4097
Used Automobile Loan
4.25%
Up to 36
▼
APR4.25%
TermUp to 36
Last UpdatedMar 20, 2026
Details
As Low As
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
2736 Nall St, Port Neches, TX, 77651 5204
New Auto Loans
4.25%
0-24
▼
APR4.25%
Term0-24
Last UpdatedMar 20, 2026
Details
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
2736 Nall St, Port Neches, TX, 77651 5204
Used Auto Loans
4.25%
0-24
▼
APR4.25%
Term0-24
Last UpdatedMar 20, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
14090 Southwest Fwy Ste 260, Sugar Land, TX, 77478 3678
New Auto Loan
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As; Qualifying rate - Conditions apply
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
14090 Southwest Fwy Ste 260, Sugar Land, TX, 77478 3678
Used Auto Loan
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As; (Up to 5 Years old / 2021+)
Seagoville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2209 N Highway 175, Seagoville, TX, 75159 2137
New Cars, Trucks, Vans
4.25%
72 Months
▼
APR4.25%
Term72 Months
Last UpdatedMar 21, 2026
Details
As Low As
Seagoville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2209 N Highway 175, Seagoville, TX, 75159 2137
Used Cars, Trucks, Vans
4.25%
24 Months
▼
APR4.25%
Term24 Months
Last UpdatedMar 21, 2026
Details
As Low As
Southern Star Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.41%
16035 W Little York Rd, Houston, TX, 77084
New Auto Loans
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedMar 21, 2026
Details
As Low As
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
24909 Kuykendahl Rd, Tomball, TX, 77375 3295
NEW Autos Up to 48 Months
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMar 22, 2026
Details
As Low As
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
24909 Kuykendahl Rd, Tomball, TX, 77375 3295
USED Autos Up to 36 Months
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedMar 22, 2026
Details
As Low As
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
2801 N 6th St, Abilene, TX, 79603
Used Auto Loans - Cars and Light Trucks 2022
4.25%
1 - 72
▼
APR4.25%
Term1 - 72
Last UpdatedMar 24, 2026
Details
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
2601 Network Blvd, Frisco, TX, 75034
Any Model Year Vehicle Loan
4.25%
24 Months
▼
APR4.25%
Term24 Months
Last UpdatedMar 25, 2026
Details
DUGOOD
Institution Rating:
F2.8 ★ Texas Ratio: 41.67%
7505 Eastex Fwy Ste B, Beaumont, TX, 77708
Up to 2026 Auto Loan
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMar 25, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
16597 Interstate 45 S, Conroe, TX, 77385
Auto Loan - New Vehicles
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMar 25, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
16597 Interstate 45 S, Conroe, TX, 77385
New Auto Loan
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMar 25, 2026
Details
Education First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
740 Fannin St, Beaumont, TX, 77701
New and Used Vehicle Loan
4.25%
72 Months
▼
APR4.25%
Term72 Months
Last UpdatedMar 25, 2026
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
11920 Alterra Pkwy, Austin, TX, 78758
Auto Loan
4.29%
48 Months
▼
APR4.29%
Term48 Months
Last UpdatedMar 25, 2026
Details
As Low As
Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
11920 Alterra Pkwy, Austin, TX, 78758
Auto Loans
4.29%
up to 48 months
▼
APR4.29%
Termup to 48 months
Last UpdatedMar 25, 2026
Details
As Low As
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
2801 N 6th St, Abilene, TX, 79603
Used Auto Loans - Cars and Light Trucks 2021
4.35%
1 - 66
▼
APR4.35%
Term1 - 66
Last UpdatedMar 24, 2026
Details
Cherokee County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.87%
145 FM 2972 W, RUSK, TX, 75785
New Car Loan
4.35%
84 Months
▼
APR4.35%
Term84 Months
Last UpdatedMar 25, 2026
Details
As Low As
Cherokee County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.87%
145 FM 2972 W, RUSK, TX, 75785
New Vehicles-W.A.C.- 2026-2024 Up to 84 months loan)
4.35%
84 Months
▼
APR4.35%
Term84 Months
Last UpdatedMar 25, 2026
Details
$35,000+
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.09%
2302 Church St, Galveston, TX, 77550
Vehicle Loans
4.36%
0-36 Months
▼
APR4.36%
Term0-36 Months
Last UpdatedMar 25, 2026
Details
C Credit*
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.09%
2302 Church St, Galveston, TX, 77550
Vehicle Loans A Credit
4.36%
49-60 Months
▼
APR4.36%
Term49-60 Months
Last UpdatedMar 25, 2026
Details
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.09%
2302 Church St, Galveston, TX, 77550
Vehicle Loans A+ Credit
4.36%
61-75 Months
▼
APR4.36%
Term61-75 Months
Last UpdatedMar 25, 2026
Details
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.09%
2302 Church St, Galveston, TX, 77550
Vehicle Loans B Credit
4.36%
37-48 Months
▼
APR4.36%
Term37-48 Months
Last UpdatedMar 25, 2026
Details
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.09%
2302 Church St, Galveston, TX, 77550
Vehicle Loans C Credit
4.36%
0-36 Months
▼
APR4.36%
Term0-36 Months
Last UpdatedMar 25, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
16597 Interstate 45 S, Conroe, TX, 77385
Auto Loan - New Vehicles
4.38%
60 Months
▼
APR4.38%
Term60 Months
Last UpdatedMar 25, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
16597 Interstate 45 S, Conroe, TX, 77385
New Auto Loan
4.38%
60 Months
▼
APR4.38%
Term60 Months
Last UpdatedMar 25, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
2901 Sens Rd, La Porte, TX, 77571
New & Used Autos
4.39%
49 - 65 Months
▼
APR4.39%
Term49 - 65 Months
Last UpdatedMar 16, 2026
Details
JSC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.82%
1330 Gemini St, Houston, TX, 77058
Auto Refinance 2016-2018
4.39%
77 Months
▼
APR4.39%
Term77 Months
Last UpdatedMar 22, 2026
Details
As Low As
Southwest Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.40%
1750 Valley View Ln Ste 110, Farmers Branch, TX, 75234 9024
New Auto
4.39%
72 Months
▼
APR4.39%
Term72 Months
Last UpdatedMar 24, 2026
Details
As Low As
Southwest Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.40%
1750 Valley View Ln Ste 110, Farmers Branch, TX, 75234 9024
Used Auto
4.39%
72 Months
▼
APR4.39%
Term72 Months
Last UpdatedMar 24, 2026
Details
As Low As
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
100 N Kimball Ave Ste 103, Southlake, TX, 76092 8024
Used Car Loans
4.39%
Up to 12 months
▼
APR4.39%
TermUp to 12 months
Last UpdatedMar 25, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
100 N Kimball Ave Ste 103, Southlake, TX, 76092 8024
Used Cars
4.39%
Up to 12 months
▼
APR4.39%
TermUp to 12 months
Last UpdatedMar 25, 2026
Details
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
2421 Westport Pkwy Ste 1300, Fort Worth, TX, 76177 5311
NEW Auto Loan
4.40%
36 Months
▼
APR4.40%
Term36 Months
Last UpdatedMar 23, 2026
Details
As Low As
NAFT Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
901 N Veterans Blvd, Pharr, TX, 78577
Auto Loans
4.40%
Up to 84 Months
▼
APR4.40%
TermUp to 84 Months
Last UpdatedMar 24, 2026
Details
with 10% down
FAA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
16600 John F Kennedy Blvd, Houston, TX, 77032 6514
2025 & Newer Auto Loans
4.44%
48 Months
▼
APR4.44%
Term48 Months
Last UpdatedMar 18, 2026
Details
Swemp Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
601 OLIVE ST, TEXARKANA, TX, 75501
New Autos
4.45%
84 Months
▼
APR4.45%
Term84 Months
Last UpdatedMar 15, 2026
Details
As Low As; * As Low As (Based On Credit Score And Loan Term)
Swemp Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
601 OLIVE ST, TEXARKANA, TX, 75501
Pre-Owned Autos
4.45%
84 Months
▼
APR4.45%
Term84 Months
Last UpdatedMar 15, 2026
Details
As Low As; * As Low As (Based On Credit Score And Loan Term)
4U Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
1312 Lawrence St, Gainesville, TX, 76240
New Auto Loan
4.45%
48 Months
▼
APR4.45%
Term48 Months
Last UpdatedMar 17, 2026
Details
As Low As
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
2801 N 6th St, Abilene, TX, 79603
Used Auto Loans - Cars and Light Trucks 2020
4.45%
1 - 60
▼
APR4.45%
Term1 - 60
Last UpdatedMar 24, 2026
Details
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.73%
13649 Montfort Dr, Dallas, TX, 75240 2521
Auto Loans Used
4.49%
54 Months
▼
APR4.49%
Term54 Months
Last UpdatedMar 15, 2026
Details
As Low As
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.73%
13649 Montfort Dr, Dallas, TX, 75240 2521
New Auto Loans
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedMar 15, 2026
Details
As Low As
City Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.82%
901 S LINCOLN ST, AMARILLO, TX, 79101 3637
New and Used Auto Loan
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMar 16, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
3301 Airport Fwy Ste 175, Bedford, TX, 76021 6123
New & Used Autos
4.49%
24 Months
▼
APR4.49%
Term24 Months
Last UpdatedMar 18, 2026
Details
As Low As
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
4849 N Mesa St, El Paso, TX, 79912
Fuel-Efficient Auto Loan
4.49%
36 months
▼
APR4.49%
Term36 months
Last UpdatedMar 20, 2026
Details
As Low As; 2023 and newer
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX, 77087 1109
Car Loans
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMar 21, 2026
Details
As Low As; New Auto
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto
4.49%
Up to 48 months
▼
APR4.49%
TermUp to 48 months
Last UpdatedMar 21, 2026
Details
As Low As
Prestige Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
15203 Knoll Trail Dr Ste 101, Dallas, TX, 75248
New Vehicle Loan (Car / Truck / SUV)
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMar 21, 2026
Details
As Low As
Prestige Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
15203 Knoll Trail Dr Ste 101, Dallas, TX, 75248
Used Vehicle Loan (Car / Truck / SUV)
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMar 21, 2026
Details
Texasgulf Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.70%
2101 N Fulton st, Wharton, TX, 77488
New or used vehicle
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMar 21, 2026
Details
As Low As; New or used vehicle up to 36 months.
Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
17 S 1st St, Temple, TX, 76501 7603
New Auto
4.49%
72-month
▼
APR4.49%
Term72-month
Last UpdatedMar 21, 2026
Details
As Low As
Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
17 S 1st St, Temple, TX, 76501 7603
Pre-Owned Auto
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMar 21, 2026
Details
As Low As
Lubbock Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2802 York Ave Unit D, LUBBOCK, TX, 79407 2632
New Auto Loan
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMar 21, 2026
Details
TEXAS TECH
Institution Rating:
A5.0 ★ Texas Ratio: 8.53%
1802 Texas Tech Parkway, Lubbock, TX, 79409
New Auto Loan
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMar 21, 2026
Details
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
First Financial Bank (TX)
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
3555 Billy Hext Rd, Odessa, TX, 79765
New Car Loan
4.29%
48 Months
▼
APR4.29%
Term48 Months
Last UpdatedMar 18, 2026
Details
Rate shown includes .25% discount if you sign up for an auto-draft from a First Financial account
Odessa Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1006 E 7th St, Odessa, TX, 79761 4623
New & Used Vehicles
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedMar 24, 2026
Details
Odessa Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1006 E 7th St, Odessa, TX, 79761 4623
New & Used Vehicles
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMar 24, 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 Vehicles 2025-2026
5.00%
36 to 72
▼
APR5.00%
Term36 to 72
Last UpdatedMar 24, 2026
Details
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 (2026 - 2025) Auto Loan
5.24%
36 Months
▼
APR5.24%
Term36 Months
Last UpdatedMar 20, 2026
Details
Odessa Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1006 E 7th St, Odessa, TX, 79761 4623
New & Used Vehicles
5.25%
84 Months
▼
APR5.25%
Term84 Months
Last UpdatedMar 24, 2026
Details
My Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.16%
4037 E 42nd St, Odessa, TX, 79762 5935
New (2026 - 2025) Auto Loan
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedMar 20, 2026
Details
My Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.16%
4037 E 42nd St, Odessa, TX, 79762 5935
New (2026 - 2025) Auto Loan
5.74%
72 Months
▼
APR5.74%
Term72 Months
Last UpdatedMar 20, 2026
Details
Odessa Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1006 E 7th St, Odessa, TX, 79761 4623
New & Used Vehicles
5.75%
60 Months
▼
APR5.75%
Term60 Months
Last UpdatedMar 24, 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 UpdatedMar 24, 2026
Details
As Low As; up to 84 months
Odessa Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1006 E 7th St, Odessa, TX, 79761 4623
New & Used Vehicles
6.25%
84 Months
▼
APR6.25%
Term84 Months
Last UpdatedMar 24, 2026
Details
Odessa Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1006 E 7th St, Odessa, TX, 79761 4623
New & Used Vehicles
8.75%
60 Months
▼
APR8.75%
Term60 Months
Last UpdatedMar 24, 2026
Details
Odessa Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1006 E 7th St, Odessa, TX, 79761 4623
New & Used Vehicles
9.25%
84 Months
▼
APR9.25%
Term84 Months
Last UpdatedMar 24, 2026
Details
Odessa Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1006 E 7th St, Odessa, TX, 79761 4623
New & Used Vehicles
11.75%
60 Months
▼
APR11.75%
Term60 Months
Last UpdatedMar 24, 2026
Details
Odessa Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1006 E 7th St, Odessa, TX, 79761 4623
New & Used Vehicles
12.25%
84 Months
▼
APR12.25%
Term84 Months
Last UpdatedMar 24, 2026
Details
Odessa Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1006 E 7th St, Odessa, TX, 79761 4623
New & Used Vehicles
14.75%
60 Months
▼
APR14.75%
Term60 Months
Last UpdatedMar 24, 2026
Details
Odessa Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1006 E 7th St, Odessa, TX, 79761 4623
New & Used Vehicles
15.25%
84 Months
▼
APR15.25%
Term84 Months
Last UpdatedMar 24, 2026
Details
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
New Vehicles
2.00%
60 Months
▼
APR2.00%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
New Vehicles
2.25%
72 Months
▼
APR2.25%
Term72 Months
Last UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
New Auto Loan
2.95%
0-36
▼
APR2.95%
Term0-36
Last UpdatedMar 21, 2026
Details
CREDIT SCORE: A+ (800+)
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
506 W Lamar St, Sherman, TX, 75090 5840
New vehicles
2.99%
0-36
▼
APR2.99%
Term0-36
Last UpdatedMar 21, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
506 W Lamar St, Sherman, TX, 75090 5840
New vehicles: 0-36 months
2.99%
36 Months
▼
APR2.99%
Term36 Months
Last UpdatedMar 21, 2026
Details
Lubrizol Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
205 Center St, Deer Park, TX, 77536 2735
New & Used Automobile
3.24%
24 Months
▼
APR3.24%
Term24 Months
Last UpdatedMar 20, 2026
Details
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
18211 Katy Fwy, Houston, TX, 77094 1395
New and Pre-Owned Autos
3.24%
12-36
▼
APR3.24%
Term12-36
Last UpdatedMar 20, 2026
Details
As Low As
Education First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
740 Fannin St, Beaumont, TX, 77701
New and Used Vehicle Loan
3.25%
36 Months
▼
APR3.25%
Term36 Months
Last UpdatedMar 25, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
2901 Sens Rd, La Porte, TX, 77571
New & Used Autos
3.39%
Up to 36 Months
▼
APR3.39%
TermUp to 36 Months
Last UpdatedMar 16, 2026
Details
USE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
400 S Akard St, Dallas, TX, 75202 5324
New & Used Autos
3.49%
72 Months
▼
APR3.49%
Term72 Months
Last UpdatedMar 22, 2026
Details
As Low As
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
676 Magnolia Ave, Port Neches, TX, 77651
New Auto Loan
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMar 15, 2026
Details
As Low As
Seagoville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2209 N Highway 175, Seagoville, TX, 75159 2137
New Cars, Trucks, Vans
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMar 21, 2026
Details
As Low As
Education First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
740 Fannin St, Beaumont, TX, 77701
New and Used Vehicle Loan
3.50%
48 Months
▼
APR3.50%
Term48 Months
Last UpdatedMar 25, 2026
Details
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2020 & Newer
3.65%
36 Months
▼
APR3.65%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2021 & Newer
3.65%
48 Months
▼
APR3.65%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2022 & Newer
3.65%
60 Months
▼
APR3.65%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2023 & Newer
3.65%
72 Months
▼
APR3.65%
Term72 Months
Last UpdatedMar 20, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2025 & Newer
3.67%
84 Months
▼
APR3.67%
Term84 Months
Last UpdatedMar 20, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
Victoria City County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.81%
205 N Bridge St Ste 111, Victoria, TX, 77901
New & Used Auto Loans
3.67%
36 to 72 Months
▼
APR3.67%
Term36 to 72 Months
Last UpdatedMar 22, 2026
Details
Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
183 E Price Rd, Brownsville, TX, 78521
New Auto Loan
3.70%
75 Months
▼
APR3.70%
Term75 Months
Last UpdatedMar 22, 2026
Details
up to 75 Months
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
2900 Decker Dr, Baytown, TX, 77520 2076
New Autos
3.74%
36 Months
▼
APR3.74%
Term36 Months
Last UpdatedMar 25, 2026
Details
As Low As; Fewer than 7,500 miles
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
676 Magnolia Ave, Port Neches, TX, 77651
New Auto Loan
3.75%
48 Months
▼
APR3.75%
Term48 Months
Last UpdatedMar 15, 2026
Details
As Low As
Seagoville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2209 N Highway 175, Seagoville, TX, 75159 2137
New Cars, Trucks, Vans
3.75%
48 Months
▼
APR3.75%
Term48 Months
Last UpdatedMar 21, 2026
Details
As Low As
Education First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
740 Fannin St, Beaumont, TX, 77701
New and Used Vehicle Loan
3.75%
60 Months
▼
APR3.75%
Term60 Months
Last UpdatedMar 25, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
2901 Sens Rd, La Porte, TX, 77571
New & Used Autos
3.89%
37-48 Months
▼
APR3.89%
Term37-48 Months
Last UpdatedMar 16, 2026
Details
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
2801 N 6th St, Abilene, TX, 79603
New Auto Loans - Cars and Light Trucks
3.90%
1 - 84 months
▼
APR3.90%
Term1 - 84 months
Last UpdatedMar 24, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
New Auto Loan
3.95%
37-60
▼
APR3.95%
Term37-60
Last UpdatedMar 21, 2026
Details
CREDIT SCORE: A+ (800+)
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.73%
13649 Montfort Dr, Dallas, TX, 75240 2521
New Auto Loans
3.99%
54 Months
▼
APR3.99%
Term54 Months
Last UpdatedMar 15, 2026
Details
As Low As
Houston Highway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
8120 Washington Ave, Houston, TX, 77007
New Vehicle Loan
3.99%
24 - 72+ Months
▼
APR3.99%
Term24 - 72+ Months
Last UpdatedMar 20, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
14090 Southwest Fwy Ste 260, Sugar Land, TX, 77478 3678
New Auto Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; Qualifying rate - Conditions apply
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedMar 21, 2026
Details
As Low As
Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
17 S 1st St, Temple, TX, 76501 7603
New Auto
3.99%
36-month
▼
APR3.99%
Term36-month
Last UpdatedMar 21, 2026
Details
As Low As
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
506 W Lamar St, Sherman, TX, 75090 5840
New vehicles
3.99%
37-48
▼
APR3.99%
Term37-48
Last UpdatedMar 21, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
506 W Lamar St, Sherman, TX, 75090 5840
New vehicles: 37-48 months
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedMar 21, 2026
Details
United Heritage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.47%
12208 N Mopac Expy, Austin, TX, 78758
New/Used Auto Loan
3.99%
12 to 84 Months
▼
APR3.99%
Term12 to 84 Months
Last UpdatedMar 22, 2026
Details
As Low As
United Energy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.67%
8790 FM 1960 Bypass Rd W Ste 500A, Humble, TX, 77338 3950
New/Used Auto
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedMar 22, 2026
Details
80% Financing MSRP or NADA Retail (20% down)
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
24909 Kuykendahl Rd, Tomball, TX, 77375 3295
NEW Autos Up to 36 Months
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMar 22, 2026
Details
As Low As
The State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
6160 WARREN PKWY STE 500, FRISCO, TX, 75034 9673
New Automotive
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMar 22, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
676 Magnolia Ave, Port Neches, TX, 77651
New Auto Loan
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedMar 15, 2026
Details
As Low As
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.28%
3505 Wildewood Dr, San Angelo, TX, 76904
New Automobiles & Light Trucks
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedMar 16, 2026
Details
As Low As
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
5211 E Parkway St, Groves, TX, 77619
New & Used Auto
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As
Seagoville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2209 N Highway 175, Seagoville, TX, 75159 2137
New Cars, Trucks, Vans
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedMar 21, 2026
Details
As Low As
Service 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
10001 Jack Finney Blvd, Greenville, TX, 75402
New Vehicle
4.00%
94 Months
▼
APR4.00%
Term94 Months
Last UpdatedMar 24, 2026
Details
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2610 Network Blvd Ste 600, Frisco, TX, 75034 6009
New Cars and Trucks
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedMar 24, 2026
Details
Concho Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.64%
1002 S Abe St, San Angelo, TX, 76903 7240
New Auto
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedMar 25, 2026
Details
As Low As; for 36 months
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.02%
9601 Jones Rd, Houston, TX, 77065
New & Used Auto
4.00%
36 to 84 Months
▼
APR4.00%
Term36 to 84 Months
Last UpdatedMar 25, 2026
Details
As Low As
Energy Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
18540 Northwest Fwy, Houston, TX, 77065
New Autos
4.00%
60 - 84
▼
APR4.00%
Term60 - 84
Last UpdatedMar 25, 2026
Details
As Low As
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
16597 Interstate 45 S, Conroe, TX, 77385
Auto Loan - New Vehicles
4.00%
24 Months
▼
APR4.00%
Term24 Months
Last UpdatedMar 25, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
16597 Interstate 45 S, Conroe, TX, 77385
New Auto Loan
4.00%
24 Months
▼
APR4.00%
Term24 Months
Last UpdatedMar 25, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
100 N Kimball Ave Ste 103, Southlake, TX, 76092 8024
New Cars
4.09%
Up to 12 months
▼
APR4.09%
TermUp to 12 months
Last UpdatedMar 25, 2026
Details
Mesquite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.76%
1510 N Galloway Ave, Mesquite, TX, 75149
New and Used Vehicles
4.10%
Up to 72 Months
▼
APR4.10%
TermUp to 72 Months
Last UpdatedMar 20, 2026
Details
As Low As
Cherokee County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.87%
145 FM 2972 W, RUSK, TX, 75785
New Vehicles-W.A.C.- 2026-2024 Up to 72 months
4.10%
72 Months
▼
APR4.10%
Term72 Months
Last UpdatedMar 25, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
16597 Interstate 45 S, Conroe, TX, 77385
Auto Loan - New Vehicles
4.12%
36 Months
▼
APR4.12%
Term36 Months
Last UpdatedMar 25, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
16597 Interstate 45 S, Conroe, TX, 77385
New Auto Loan
4.12%
36 Months
▼
APR4.12%
Term36 Months
Last UpdatedMar 25, 2026
Details
Memorial Credit Union Houston, TX
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
7789 Southwest fwy Ste 175, Houston, TX, 77074 1831
New Autos
4.14%
84 Months
▼
APR4.14%
Term84 Months
Last UpdatedMar 20, 2026
Details
1
FAA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
16600 John F Kennedy Blvd, Houston, TX, 77032 6514
2025 & Newer Auto Loans
4.19%
36 Months
▼
APR4.19%
Term36 Months
Last UpdatedMar 18, 2026
Details
JSC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.82%
1330 Gemini St, Houston, TX, 77058
Auto Refinance 2025-2026 New
4.19%
48 Months
▼
APR4.19%
Term48 Months
Last UpdatedMar 22, 2026
Details
As Low As
City Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.82%
901 S LINCOLN ST, AMARILLO, TX, 79101 3637
New and Used Auto Loan
4.24%
36 Months
▼
APR4.24%
Term36 Months
Last UpdatedMar 16, 2026
Details
As Low As
Rockdale Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
1821 W Cameron Ave, Rockdale, TX, 76567
New Vehicles
4.24%
Up to 84 months
▼
APR4.24%
TermUp to 84 months
Last UpdatedMar 21, 2026
Details
Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
17 S 1st St, Temple, TX, 76501 7603
New Auto
4.24%
60-month
▼
APR4.24%
Term60-month
Last UpdatedMar 21, 2026
Details
As Low As
Gulf Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
5140 W Parkway St, Groves, TX, 77619
New and Used Autos
4.25%
36 months
▼
APR4.25%
Term36 months
Last UpdatedMar 20, 2026
Details
As Low As
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
16320 Kensington Dr, Sugar Land, TX, 77479 4097
New Automobile Loan
4.25%
Up to 36 Months
▼
APR4.25%
TermUp to 36 Months
Last UpdatedMar 20, 2026
Details
As Low As
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
2736 Nall St, Port Neches, TX, 77651 5204
New Auto Loans
4.25%
0-24
▼
APR4.25%
Term0-24
Last UpdatedMar 20, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
14090 Southwest Fwy Ste 260, Sugar Land, TX, 77478 3678
New Auto Loan
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As; Qualifying rate - Conditions apply
Seagoville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2209 N Highway 175, Seagoville, TX, 75159 2137
New Cars, Trucks, Vans
4.25%
72 Months
▼
APR4.25%
Term72 Months
Last UpdatedMar 21, 2026
Details
As Low As
Southern Star Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.41%
16035 W Little York Rd, Houston, TX, 77084
New Auto Loans
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedMar 21, 2026
Details
As Low As
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
24909 Kuykendahl Rd, Tomball, TX, 77375 3295
NEW Autos Up to 48 Months
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMar 22, 2026
Details
As Low As
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
16597 Interstate 45 S, Conroe, TX, 77385
Auto Loan - New Vehicles
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMar 25, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
16597 Interstate 45 S, Conroe, TX, 77385
New Auto Loan
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMar 25, 2026
Details
Education First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
740 Fannin St, Beaumont, TX, 77701
New and Used Vehicle Loan
4.25%
72 Months
▼
APR4.25%
Term72 Months
Last UpdatedMar 25, 2026
Details
Cherokee County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.87%
145 FM 2972 W, RUSK, TX, 75785
New Car Loan
4.35%
84 Months
▼
APR4.35%
Term84 Months
Last UpdatedMar 25, 2026
Details
As Low As
Cherokee County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.87%
145 FM 2972 W, RUSK, TX, 75785
New Vehicles-W.A.C.- 2026-2024 Up to 84 months loan)
4.35%
84 Months
▼
APR4.35%
Term84 Months
Last UpdatedMar 25, 2026
Details
$35,000+
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
16597 Interstate 45 S, Conroe, TX, 77385
Auto Loan - New Vehicles
4.38%
60 Months
▼
APR4.38%
Term60 Months
Last UpdatedMar 25, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
16597 Interstate 45 S, Conroe, TX, 77385
New Auto Loan
4.38%
60 Months
▼
APR4.38%
Term60 Months
Last UpdatedMar 25, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
2901 Sens Rd, La Porte, TX, 77571
New & Used Autos
4.39%
49 - 65 Months
▼
APR4.39%
Term49 - 65 Months
Last UpdatedMar 16, 2026
Details
Southwest Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.40%
1750 Valley View Ln Ste 110, Farmers Branch, TX, 75234 9024
New Auto
4.39%
72 Months
▼
APR4.39%
Term72 Months
Last UpdatedMar 24, 2026
Details
As Low As
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
2421 Westport Pkwy Ste 1300, Fort Worth, TX, 76177 5311
NEW Auto Loan
4.40%
36 Months
▼
APR4.40%
Term36 Months
Last UpdatedMar 23, 2026
Details
As Low As
FAA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
16600 John F Kennedy Blvd, Houston, TX, 77032 6514
2025 & Newer Auto Loans
4.44%
48 Months
▼
APR4.44%
Term48 Months
Last UpdatedMar 18, 2026
Details
Swemp Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
601 OLIVE ST, TEXARKANA, TX, 75501
New Autos
4.45%
84 Months
▼
APR4.45%
Term84 Months
Last UpdatedMar 15, 2026
Details
As Low As; * As Low As (Based On Credit Score And Loan Term)
4U Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
1312 Lawrence St, Gainesville, TX, 76240
New Auto Loan
4.45%
48 Months
▼
APR4.45%
Term48 Months
Last UpdatedMar 17, 2026
Details
As Low As
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.73%
13649 Montfort Dr, Dallas, TX, 75240 2521
New Auto Loans
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedMar 15, 2026
Details
As Low As
City Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.82%
901 S LINCOLN ST, AMARILLO, TX, 79101 3637
New and Used Auto Loan
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMar 16, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
3301 Airport Fwy Ste 175, Bedford, TX, 76021 6123
New & Used Autos
4.49%
24 Months
▼
APR4.49%
Term24 Months
Last UpdatedMar 18, 2026
Details
As Low As
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto
4.49%
Up to 48 months
▼
APR4.49%
TermUp to 48 months
Last UpdatedMar 21, 2026
Details
As Low As
Prestige Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
15203 Knoll Trail Dr Ste 101, Dallas, TX, 75248
New Vehicle Loan (Car / Truck / SUV)
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMar 21, 2026
Details
As Low As
Texasgulf Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.70%
2101 N Fulton st, Wharton, TX, 77488
New or used vehicle
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMar 21, 2026
Details
As Low As; New or used vehicle up to 36 months.
Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
17 S 1st St, Temple, TX, 76501 7603
New Auto
4.49%
72-month
▼
APR4.49%
Term72-month
Last UpdatedMar 21, 2026
Details
As Low As
Lubbock Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2802 York Ave Unit D, LUBBOCK, TX, 79407 2632
New Auto Loan
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMar 21, 2026
Details
TEXAS TECH
Institution Rating:
A5.0 ★ Texas Ratio: 8.53%
1802 Texas Tech Parkway, Lubbock, TX, 79409
New Auto Loan
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMar 21, 2026
Details
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Odessa Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1006 E 7th St, Odessa, TX, 79761 4623
New & Used Vehicles
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedMar 24, 2026
Details
First Financial Bank (TX)
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
3555 Billy Hext Rd, Odessa, TX, 79765
Used Car Loan
4.64%
48 Months
▼
APR4.64%
Term48 Months
Last UpdatedMar 18, 2026
Details
Rate shown includes .25% discount if you sign up for an auto-draft from a First Financial account
Odessa Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1006 E 7th St, Odessa, TX, 79761 4623
New & Used Vehicles
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMar 24, 2026
Details
Odessa Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1006 E 7th St, Odessa, TX, 79761 4623
New & Used Vehicles
5.25%
84 Months
▼
APR5.25%
Term84 Months
Last UpdatedMar 24, 2026
Details
My Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.16%
4037 E 42nd St, Odessa, TX, 79762 5935
Used (2026 - 2022) Auto Loan
5.49%
36 Months
▼
APR5.49%
Term36 Months
Last UpdatedMar 20, 2026
Details
My Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.16%
4037 E 42nd St, Odessa, TX, 79762 5935
Used (2026 - 2022) Auto Loan
5.74%
60 Months
▼
APR5.74%
Term60 Months
Last UpdatedMar 20, 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 Vehicles 2021-2025
5.75%
60 Months
▼
APR5.75%
Term60 Months
Last UpdatedMar 24, 2026
Details
Odessa Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1006 E 7th St, Odessa, TX, 79761 4623
New & Used Vehicles
5.75%
60 Months
▼
APR5.75%
Term60 Months
Last UpdatedMar 24, 2026
Details
My Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.16%
4037 E 42nd St, Odessa, TX, 79762 5935
Used (2026 - 2022) Auto Loan
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMar 20, 2026
Details
My Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.16%
4037 E 42nd St, Odessa, TX, 79762 5935
Used (2021 - 2020) Auto Loan
6.04%
36 Months
▼
APR6.04%
Term36 Months
Last UpdatedMar 20, 2026
Details
Odessa Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1006 E 7th St, Odessa, TX, 79761 4623
New & Used Vehicles
6.25%
84 Months
▼
APR6.25%
Term84 Months
Last UpdatedMar 24, 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 UpdatedMar 24, 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 (2019 and older) Auto Loan
7.09%
36 Months
▼
APR7.09%
Term36 Months
Last UpdatedMar 20, 2026
Details
My Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.16%
4037 E 42nd St, Odessa, TX, 79762 5935
Used (2021 - 2020) Auto Loan
7.24%
72 Months
▼
APR7.24%
Term72 Months
Last UpdatedMar 20, 2026
Details
My Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.16%
4037 E 42nd St, Odessa, TX, 79762 5935
Used (2019 and older) Auto Loan
7.64%
60 Months
▼
APR7.64%
Term60 Months
Last UpdatedMar 20, 2026
Details
Odessa Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1006 E 7th St, Odessa, TX, 79761 4623
New & Used Vehicles
8.75%
60 Months
▼
APR8.75%
Term60 Months
Last UpdatedMar 24, 2026
Details
Odessa Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1006 E 7th St, Odessa, TX, 79761 4623
New & Used Vehicles
9.25%
84 Months
▼
APR9.25%
Term84 Months
Last UpdatedMar 24, 2026
Details
Odessa Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1006 E 7th St, Odessa, TX, 79761 4623
New & Used Vehicles
11.75%
60 Months
▼
APR11.75%
Term60 Months
Last UpdatedMar 24, 2026
Details
Odessa Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1006 E 7th St, Odessa, TX, 79761 4623
New & Used Vehicles
12.25%
84 Months
▼
APR12.25%
Term84 Months
Last UpdatedMar 24, 2026
Details
Odessa Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1006 E 7th St, Odessa, TX, 79761 4623
New & Used Vehicles
14.75%
60 Months
▼
APR14.75%
Term60 Months
Last UpdatedMar 24, 2026
Details
Odessa Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1006 E 7th St, Odessa, TX, 79761 4623
New & Used Vehicles
15.25%
84 Months
▼
APR15.25%
Term84 Months
Last UpdatedMar 24, 2026
Details
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2016-2017
2.00%
36 Months
▼
APR2.00%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2018-2020
2.00%
48 Months
▼
APR2.00%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2014-2015
2.25%
36 Months
▼
APR2.25%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2016-2017
2.25%
48 Months
▼
APR2.25%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2018-2020
2.25%
60 Months
▼
APR2.25%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2013 & Older
2.75%
36 Months
▼
APR2.75%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2014-2015
2.75%
48 Months
▼
APR2.75%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2016-2017
2.75%
60 Months
▼
APR2.75%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2018-2020
2.75%
72 Months
▼
APR2.75%
Term72 Months
Last UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
Lubrizol Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
205 Center St, Deer Park, TX, 77536 2735
New & Used Automobile
3.24%
24 Months
▼
APR3.24%
Term24 Months
Last UpdatedMar 20, 2026
Details
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
18211 Katy Fwy, Houston, TX, 77094 1395
New and Pre-Owned Autos
3.24%
12-36
▼
APR3.24%
Term12-36
Last UpdatedMar 20, 2026
Details
As Low As
Education First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
740 Fannin St, Beaumont, TX, 77701
New and Used Vehicle Loan
3.25%
36 Months
▼
APR3.25%
Term36 Months
Last UpdatedMar 25, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
2901 Sens Rd, La Porte, TX, 77571
New & Used Autos
3.39%
Up to 36 Months
▼
APR3.39%
TermUp to 36 Months
Last UpdatedMar 16, 2026
Details
USE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
400 S Akard St, Dallas, TX, 75202 5324
New & Used Autos
3.49%
72 Months
▼
APR3.49%
Term72 Months
Last UpdatedMar 22, 2026
Details
As Low As
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
676 Magnolia Ave, Port Neches, TX, 77651
Used Auto Loan
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMar 15, 2026
Details
As Low As; All model years, Up to 36 months
Education First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
740 Fannin St, Beaumont, TX, 77701
New and Used Vehicle Loan
3.50%
48 Months
▼
APR3.50%
Term48 Months
Last UpdatedMar 25, 2026
Details
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2020 & Newer
3.65%
36 Months
▼
APR3.65%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2021 & Newer
3.65%
48 Months
▼
APR3.65%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2022 & Newer
3.65%
60 Months
▼
APR3.65%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2023 & Newer
3.65%
72 Months
▼
APR3.65%
Term72 Months
Last UpdatedMar 20, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2025 & Newer
3.67%
84 Months
▼
APR3.67%
Term84 Months
Last UpdatedMar 20, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
Victoria City County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.81%
205 N Bridge St Ste 111, Victoria, TX, 77901
New & Used Auto Loans
3.67%
36 to 72 Months
▼
APR3.67%
Term36 to 72 Months
Last UpdatedMar 22, 2026
Details
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
2900 Decker Dr, Baytown, TX, 77520 2076
Used Autos
3.74%
36 Months
▼
APR3.74%
Term36 Months
Last UpdatedMar 25, 2026
Details
As Low As; Fewer than 100,000 miles
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
676 Magnolia Ave, Port Neches, TX, 77651
Used Auto Loan
3.75%
48 Months
▼
APR3.75%
Term48 Months
Last UpdatedMar 15, 2026
Details
As Low As; All model years, Up to 48 months
Education First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
740 Fannin St, Beaumont, TX, 77701
New and Used Vehicle Loan
3.75%
60 Months
▼
APR3.75%
Term60 Months
Last UpdatedMar 25, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
2901 Sens Rd, La Porte, TX, 77571
New & Used Autos
3.89%
37-48 Months
▼
APR3.89%
Term37-48 Months
Last UpdatedMar 16, 2026
Details
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
2801 N 6th St, Abilene, TX, 79603
Used Auto Loans - Cars and Light Trucks 2024
3.90%
1 - 84
▼
APR3.90%
Term1 - 84
Last UpdatedMar 24, 2026
Details
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
2801 N 6th St, Abilene, TX, 79603
Used Auto Loans - Cars and Light Trucks 2025
3.90%
1 - 84
▼
APR3.90%
Term1 - 84
Last UpdatedMar 24, 2026
Details
Houston Highway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
8120 Washington Ave, Houston, TX, 77007
Used Vehicle Loan
3.99%
24 - 72+ Months
▼
APR3.99%
Term24 - 72+ Months
Last UpdatedMar 20, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
14090 Southwest Fwy Ste 260, Sugar Land, TX, 77478 3678
Used Auto Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; (Up to 5 Years old / 2021+)
United Heritage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.47%
12208 N Mopac Expy, Austin, TX, 78758
New/Used Auto Loan
3.99%
12 to 84 Months
▼
APR3.99%
Term12 to 84 Months
Last UpdatedMar 22, 2026
Details
As Low As
United Energy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.67%
8790 FM 1960 Bypass Rd W Ste 500A, Humble, TX, 77338 3950
New/Used Auto
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedMar 22, 2026
Details
80% Financing MSRP or NADA Retail (20% down)
Valwood Park Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
1001 E Crosby Rd, Carrollton, TX, 75006 7260
Used Auto/Refinance Auto
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedMar 22, 2026
Details
As Low As
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
676 Magnolia Ave, Port Neches, TX, 77651
Used Auto Loan
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedMar 15, 2026
Details
As Low As; 2020 & newer, Up to 60 months
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.28%
3505 Wildewood Dr, San Angelo, TX, 76904
Used Automobiles & Light Trucks
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedMar 16, 2026
Details
As Low As
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
5211 E Parkway St, Groves, TX, 77619
New & Used Auto
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As
Seagoville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2209 N Highway 175, Seagoville, TX, 75159 2137
Used Cars, Trucks, Vans
4.00%
12 Months
▼
APR4.00%
Term12 Months
Last UpdatedMar 21, 2026
Details
As Low As
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.02%
9601 Jones Rd, Houston, TX, 77065
New & Used Auto
4.00%
36 to 84 Months
▼
APR4.00%
Term36 to 84 Months
Last UpdatedMar 25, 2026
Details
As Low As
Energy Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
18540 Northwest Fwy, Houston, TX, 77065
Used Autos
4.00%
60 - 84
▼
APR4.00%
Term60 - 84
Last UpdatedMar 25, 2026
Details
As Low As
Mesquite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.76%
1510 N Galloway Ave, Mesquite, TX, 75149
New and Used Vehicles
4.10%
Up to 72 Months
▼
APR4.10%
TermUp to 72 Months
Last UpdatedMar 20, 2026
Details
As Low As
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
2801 N 6th St, Abilene, TX, 79603
Used Auto Loans - Cars and Light Trucks 2023
4.15%
1 - 78
▼
APR4.15%
Term1 - 78
Last UpdatedMar 24, 2026
Details
City Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.82%
901 S LINCOLN ST, AMARILLO, TX, 79101 3637
New and Used Auto Loan
4.24%
36 Months
▼
APR4.24%
Term36 Months
Last UpdatedMar 16, 2026
Details
As Low As
Gulf Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
5140 W Parkway St, Groves, TX, 77619
New and Used Autos
4.25%
36 months
▼
APR4.25%
Term36 months
Last UpdatedMar 20, 2026
Details
As Low As
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
16320 Kensington Dr, Sugar Land, TX, 77479 4097
Used Automobile Loan
4.25%
Up to 36
▼
APR4.25%
TermUp to 36
Last UpdatedMar 20, 2026
Details
As Low As
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
2736 Nall St, Port Neches, TX, 77651 5204
Used Auto Loans
4.25%
0-24
▼
APR4.25%
Term0-24
Last UpdatedMar 20, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
14090 Southwest Fwy Ste 260, Sugar Land, TX, 77478 3678
Used Auto Loan
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As; (Up to 5 Years old / 2021+)
Seagoville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2209 N Highway 175, Seagoville, TX, 75159 2137
Used Cars, Trucks, Vans
4.25%
24 Months
▼
APR4.25%
Term24 Months
Last UpdatedMar 21, 2026
Details
As Low As
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
24909 Kuykendahl Rd, Tomball, TX, 77375 3295
USED Autos Up to 36 Months
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedMar 22, 2026
Details
As Low As
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
2801 N 6th St, Abilene, TX, 79603
Used Auto Loans - Cars and Light Trucks 2022
4.25%
1 - 72
▼
APR4.25%
Term1 - 72
Last UpdatedMar 24, 2026
Details
Education First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
740 Fannin St, Beaumont, TX, 77701
New and Used Vehicle Loan
4.25%
72 Months
▼
APR4.25%
Term72 Months
Last UpdatedMar 25, 2026
Details
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
2801 N 6th St, Abilene, TX, 79603
Used Auto Loans - Cars and Light Trucks 2021
4.35%
1 - 66
▼
APR4.35%
Term1 - 66
Last UpdatedMar 24, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
2901 Sens Rd, La Porte, TX, 77571
New & Used Autos
4.39%
49 - 65 Months
▼
APR4.39%
Term49 - 65 Months
Last UpdatedMar 16, 2026
Details
Southwest Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.40%
1750 Valley View Ln Ste 110, Farmers Branch, TX, 75234 9024
Used Auto
4.39%
72 Months
▼
APR4.39%
Term72 Months
Last UpdatedMar 24, 2026
Details
As Low As
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
100 N Kimball Ave Ste 103, Southlake, TX, 76092 8024
Used Car Loans
4.39%
Up to 12 months
▼
APR4.39%
TermUp to 12 months
Last UpdatedMar 25, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
100 N Kimball Ave Ste 103, Southlake, TX, 76092 8024
Used Cars
4.39%
Up to 12 months
▼
APR4.39%
TermUp to 12 months
Last UpdatedMar 25, 2026
Details
Swemp Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
601 OLIVE ST, TEXARKANA, TX, 75501
Pre-Owned Autos
4.45%
84 Months
▼
APR4.45%
Term84 Months
Last UpdatedMar 15, 2026
Details
As Low As; * As Low As (Based On Credit Score And Loan Term)
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
2801 N 6th St, Abilene, TX, 79603
Used Auto Loans - Cars and Light Trucks 2020
4.45%
1 - 60
▼
APR4.45%
Term1 - 60
Last UpdatedMar 24, 2026
Details
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.73%
13649 Montfort Dr, Dallas, TX, 75240 2521
Auto Loans Used
4.49%
54 Months
▼
APR4.49%
Term54 Months
Last UpdatedMar 15, 2026
Details
As Low As
City Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.82%
901 S LINCOLN ST, AMARILLO, TX, 79101 3637
New and Used Auto Loan
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMar 16, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
3301 Airport Fwy Ste 175, Bedford, TX, 76021 6123
New & Used Autos
4.49%
24 Months
▼
APR4.49%
Term24 Months
Last UpdatedMar 18, 2026
Details
As Low As
Prestige Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
15203 Knoll Trail Dr Ste 101, Dallas, TX, 75248
Used Vehicle Loan (Car / Truck / SUV)
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMar 21, 2026
Details
Texasgulf Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.70%
2101 N Fulton st, Wharton, TX, 77488
New or used vehicle
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMar 21, 2026
Details
As Low As; New or used vehicle up to 36 months.
Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
17 S 1st St, Temple, TX, 76501 7603
Pre-Owned Auto
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMar 21, 2026
Details
As Low As
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MonitorBankRates
National Auto Loan Rate Trends
Weekly national average APRs for new and used auto loans
Auto loan rate data from our database of 8,500+ banks and credit unions — updated weekly.
New Auto Loan — National Avg APR
6.039%
▲ 0.196 from last week
New auto loan rates rose 0.196 points this week to 6.039% APR, up from 5.843% last week.
Used Auto Loan — National Avg APR
6.644%
▲ 0.012 from last week
Used auto loan rates rose 0.012 points this week to 6.644% APR, up from 6.633% last week.
National averages as of Mar 26, 2026 • Weekly data from 8,500+ U.S. banks & credit unions
Powered byMonitorBankRates
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:
- First Financial Bank (TX): 4.29% (New Car Loan)
- First National Bank Texas: 4.43% (Auto Loan)
- Odessa Employees Credit Union: 4.50% (New & Used Vehicles)
- TxDot Credit Union: 5.00% (New Vehicles 2025-2026)
- My Community Credit Union: 5.24% (New (2026 - 2025) Auto Loan)
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: March 25, 2026
