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  9. Auto Loan Rate Trends

Spofford, Texas Best Auto Loan Rates - October 2026

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Brian McKay Brian McKay
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Brian McKay

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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| i Editorial Disclosure
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 Spofford, Texas. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
| ✓Fact Checked | Auto Loan Rates · Last Updated and Verified: October 12, 2026

Spofford, Texas auto loan rates from lenders serving Texas range from 1.99% to 4.45% APR, verified by MonitorBankRates as of October 12, 2026. Current auto loan rates in Spofford, Texas include Belton Federal Credit UnionBelton Federal Credit UnionA5.0 ★Texas Ratio: 10.90% offering New Vehicle Loan at 1.99%, Mclennan County Employees Federal Credit UnionMclennan County Employees Federal Credit UnionA+5.0 ★Texas Ratio: 0.02% offering New Vehicles Loan at 2.00%, HIGHWAY DISTRICT 21HIGHWAY DISTRICT 21A+5.0 ★Texas Ratio: 0.39% offering RATES ON VEHICLES - 2026 2025 2024 Loan at 2.50%, IBEW Local 66 Federal Credit UnionIBEW Local 66 Federal Credit UnionA+5.0 ★Texas Ratio: 1.25% offering Auto Loan at 2.95%, TEXOMA EDUCATORSTEXOMA EDUCATORSA+5.0 ★Texas Ratio: 2.55% offering New vehicles Loan at 2.99%. Auto loan rates as of October 12, 2026 according to verified data from MonitorBankRates.

Spofford borrowers have access to 83 lenders serving the Texas area, with auto loan rates as low as 1.99% APR from Belton Federal Credit Union. Use the tabs below to compare new and used auto loan rates. Rates are continually updated, so we recommend checking back frequently.

Auto loan rates reflect recent market quotes and representative offers available to borrowers in Spofford, Texas. Auto Loan Rates Last Updated and Verified: October 12, 2026

Compare Auto Loan Rates Today in Spofford, Texas & Surrounding Area

Jump to: All Auto Loans · New Auto · Used Auto

Spofford Auto Loan Rates

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Belton Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.90%
New Vehicle Loan
1.99%
12 months
View
▼
APR1.99%
Interest Rate1.99%
Term12 months
Last UpdatedOct 10, 2026
Details

1 yr. old or newer vehicles. Pending credit approval

Rate History
No change since Sep 14, 2026 · 1.99% APR · checked 7 times
1.49%1.99%2.49%Sep 14, 2026: 1.99% APRSep 14, 2026Oct 12, 2026
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
New Vehicles Loan
2.00%
60 Months
View
▼
APR2.00%
Term60 Months
Last UpdatedOct 8, 2026
Details

As Low As; With Approved Credit

Rate History
No change since Sep 14, 2026 · 2.00% APR · checked 2 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APRSep 14, 2026Oct 12, 2026
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
New Vehicles Loan
2.25%
72 Months
View
▼
APR2.25%
Term72 Months
Last UpdatedOct 8, 2026
Details

As Low As; With Approved Credit

Rate History
No change since Sep 14, 2026 · 2.25% APR · checked 2 times
1.75%2.25%2.75%Sep 14, 2026: 2.25% APRSep 14, 2026Oct 12, 2026
HIGHWAY DISTRICT 21
Institution Rating:
A+5.0 ★ Texas Ratio: 0.39%
RATES ON VEHICLES - 2026 2025 2024 Loan
2.50%
36 months
View
▼
APR2.50%
Term36 months
Last UpdatedOct 10, 2026
Details

Year: 2026 2025 2024

Rate History
No change since Sep 18, 2026 · 2.50% APR · checked 3 times
2.00%2.50%3.00%Sep 18, 2026: 2.50% APRSep 18, 2026Oct 12, 2026
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
Auto Loan
2.95%
48 months
View
▼
APR2.95%
Term48 months
Last UpdatedOct 9, 2026
Details

As Low As; Up to a 1.50% length of Membership Incentive Interest Rate Discount

Rate History
No change since Oct 9, 2026 · 2.95% APR
2.45%2.95%3.45%Oct 9, 2026: 2.95% APROct 9, 2026Oct 12, 2026
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
New Vehicles, New Automobile (NA) - A+
2.95%
0-36 Months
View
▼
APR2.95%
Term0-36 Months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 17, 2026 · 2.95% APR · checked 6 times
2.45%2.95%3.45%Sep 17, 2026: 2.95% APRSep 17, 2026Oct 12, 2026
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
Pre-Owned (Used) Automobile
2.95%
0-36 Months
View
▼
APR2.95%
Term0-36 Months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Sep 17, 2026 · 2.95% APR · checked 5 times
2.45%2.95%3.45%Sep 17, 2026: 2.95% APRSep 17, 2026Oct 12, 2026
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
Pre-Owned (Used) Automobile (UA) - 0-36 Months
2.95%
0-36 months
View
▼
APR2.95%
Term0-36 months
Last UpdatedOct 9, 2026
Details

Credit Score: A+ (800+)

Rate History
1 change since Sep 14, 2026 · 3.95% → 2.95% ▼ 1.00 pts · high 3.95% / low 2.95%
1.95%3.45%4.95%Sep 14, 2026: 3.95% APROct 5, 2026: 2.95% APRSep 14, 2026Oct 12, 2026
  • Oct 5, 20262.95%▼ from 3.95%
  • Sep 14, 20263.95%first recorded
HIGHWAY DISTRICT 21
Institution Rating:
A+5.0 ★ Texas Ratio: 0.39%
RATES ON VEHICLES - 2024 Loan
2.99%
48 months
View
▼
APR2.99%
Term48 months
Last UpdatedOct 10, 2026
Details

Rate History
No change since Sep 18, 2026 · 2.99% APR · checked 3 times
2.49%2.99%3.49%Sep 18, 2026: 2.99% APRSep 18, 2026Oct 12, 2026
HIGHWAY DISTRICT 21
Institution Rating:
A+5.0 ★ Texas Ratio: 0.39%
RATES ON VEHICLES - 2025 Loan
2.99%
48 months
View
▼
APR2.99%
Term48 months
Last UpdatedOct 10, 2026
Details

Rate History
No change since Sep 18, 2026 · 2.99% APR · checked 3 times
2.49%2.99%3.49%Sep 18, 2026: 2.99% APRSep 18, 2026Oct 12, 2026
HIGHWAY DISTRICT 21
Institution Rating:
A+5.0 ★ Texas Ratio: 0.39%
RATES ON VEHICLES - 2026 Loan
2.99%
48 months
View
▼
APR2.99%
Term48 months
Last UpdatedOct 10, 2026
Details

Rate History
No change since Sep 18, 2026 · 2.99% APR · checked 3 times
2.49%2.99%3.49%Sep 18, 2026: 2.99% APRSep 18, 2026Oct 12, 2026
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
New vehicles Loan
2.99%
0-36 months
View
▼
APR2.99%
Term0-36 months
Last UpdatedOct 10, 2026
Details

Rates below are based on a minimum credit score of 700.

Rate History
No change since Sep 14, 2026 · 2.99% APR · checked 7 times
2.49%2.99%3.49%Sep 14, 2026: 2.99% APRSep 14, 2026Oct 12, 2026
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
New Auto
3.00%
Up to 36 months
View
▼
APR3.00%
TermUp to 36 months
Last UpdatedOct 8, 2026
Details

Rate History
No change since Sep 14, 2026 · 3.00% APR · checked 7 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APRSep 14, 2026Oct 12, 2026
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.25%
Vehicle Loans
3.22%
0-36 Months
View
▼
APR3.22%
Term0-36 Months
Last UpdatedOct 9, 2026
Details

Credit Tier: A+

Rate History
2 changes since Sep 14, 2026 · 3.01% → 3.22% ▲ 0.21 pts · high 3.26% / low 3.01%
2.51%3.14%3.76%Sep 14, 2026: 3.01% APRSep 17, 2026: 3.26% APRSep 25, 2026: 3.22% APRSep 14, 2026Oct 12, 2026
  • Sep 25, 20263.22%▼ from 3.26%
  • Sep 17, 20263.26%▲ from 3.01%
  • Sep 14, 20263.01%first recorded
Lubrizol Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.14%
New & Used Automobile
3.24%
24 months to 60 months
View
▼
APR3.24%
Term24 months to 60 months
Last UpdatedOct 9, 2026
Details

Published APR range: 3.24% - 14.49%.

Rate History
No change since Sep 14, 2026 · 3.24% APR · checked 7 times
2.74%3.24%3.74%Sep 14, 2026: 3.24% APRSep 14, 2026Oct 12, 2026
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
New Auto
3.34%
Up to 36 Months
View
▼
APR3.34%
TermUp to 36 Months
Last UpdatedOct 9, 2026
Details

Rates Effective September 18, 2026.

Rate History
No change since Sep 14, 2026 · 3.34% APR · checked 6 times
2.84%3.34%3.84%Sep 14, 2026: 3.34% APRSep 14, 2026Oct 12, 2026
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.19%
New & Used Autos
3.39%
Up to 36 Months
View
▼
APR3.39%
TermUp to 36 Months
Last UpdatedOct 8, 2026
Details

Published APR range: 3.39% - 12.95%. APR*

Rate History
No change since Sep 14, 2026 · 3.39% APR · checked 10 times
2.89%3.39%3.89%Sep 14, 2026: 3.39% APRSep 14, 2026Oct 12, 2026
Northeast Texas Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
Auto Purchase Loan Rate - New Autos
3.40%
60 months
View
▼
APR3.40%
Term60 months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Oct 9, 2026 · 3.40% APR
2.90%3.40%3.90%Oct 9, 2026: 3.40% APROct 9, 2026Oct 12, 2026
Northeast Texas Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
Auto Purchase Loan Rate - Used Vehicle - 2025 - 60 months
3.40%
60 months
View
▼
APR3.40%
Term60 months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Oct 9, 2026 · 3.40% APR
2.90%3.40%3.90%Oct 9, 2026: 3.40% APROct 9, 2026Oct 12, 2026
Northeast Texas Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
Auto Purchase Loan Rate - Used Vehicle - 2026-2027
3.40%
60 months
View
▼
APR3.40%
Term60 months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Oct 9, 2026 · 3.40% APR
2.90%3.40%3.90%Oct 9, 2026: 3.40% APROct 9, 2026Oct 12, 2026
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.25%
Vehicle Loans
3.47%
0-36 Months
View
▼
APR3.47%
Term0-36 Months
Last UpdatedOct 9, 2026
Details

Credit Tier: A

Rate History
2 changes since Sep 14, 2026 · 3.01% → 3.47% ▲ 0.46 pts · high 3.47% / low 3.01%
2.51%3.24%3.97%Sep 14, 2026: 3.01% APRSep 17, 2026: 3.26% APRSep 25, 2026: 3.47% APRSep 14, 2026Oct 12, 2026
  • Sep 25, 20263.47%▲ from 3.26%
  • Sep 17, 20263.26%▲ from 3.01%
  • Sep 14, 20263.01%first recorded
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.25%
Vehicle Loans
3.47%
37-48 Months
View
▼
APR3.47%
Term37-48 Months
Last UpdatedOct 9, 2026
Details

Credit Tier: A+

Rate History
1 change since Sep 17, 2026 · 3.26% → 3.47% ▲ 0.21 pts · high 3.47% / low 3.26%
2.76%3.37%3.97%Sep 17, 2026: 3.26% APRSep 25, 2026: 3.47% APRSep 17, 2026Oct 12, 2026
  • Sep 25, 20263.47%▲ from 3.26%
  • Sep 17, 20263.26%first recorded
Victoria City County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.23%
New & Used Auto Loans
3.47%
36 to 72 Months
View
▼
APR3.47%
Term36 to 72 Months
Last UpdatedOct 9, 2026
Details

Published APR range: 3.47% to 18.00%.

Rate History
1 change since Sep 14, 2026 · 3.20% → 3.47% ▲ 0.27 pts · high 3.47% / low 3.20%
2.70%3.34%3.97%Sep 14, 2026: 3.20% APRSep 17, 2026: 3.47% APRSep 14, 2026Oct 12, 2026
  • Sep 17, 20263.47%▲ from 3.20%
  • Sep 14, 20263.20%first recorded
Mount Olive Baptist Church Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.98%
Used Vehicles (1 - 2 yrs. Old) & non-purchase collateral
3.49%
Up to 72 months
View
▼
APR3.49%
Interest Rate3.49%
TermUp to 72 months
Last UpdatedOct 9, 2026
Details

Published rate range: 3.49% - 11.99%**.

Rate History
No change since Sep 17, 2026 · 3.49% APR · checked 6 times
2.99%3.49%3.99%Sep 17, 2026: 3.49% APRSep 17, 2026Oct 12, 2026
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.07%
New and Pre-Owned Autos
3.49%
12-36 Months
View
▼
APR3.49%
Term12-36 Months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
1 change since Sep 14, 2026 · 3.24% → 3.49% ▲ 0.25 pts · high 3.49% / low 3.24%
2.74%3.37%3.99%Sep 14, 2026: 3.24% APRSep 27, 2026: 3.49% APRSep 14, 2026Oct 12, 2026
  • Sep 27, 20263.49%▲ from 3.24%
  • Sep 14, 20263.24%first recorded
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.07%
New Autos
3.49%
12 - 36 months
View
▼
APR3.49%
Term12 - 36 months
Last UpdatedOct 10, 2026
Details

Rates shown include standard rate discounts.*

Rate History
1 change since Sep 18, 2026 · 3.24% → 3.49% ▲ 0.25 pts · high 3.49% / low 3.24%
2.74%3.37%3.99%Sep 18, 2026: 3.24% APRSep 27, 2026: 3.49% APRSep 18, 2026Oct 12, 2026
  • Sep 27, 20263.49%▲ from 3.24%
  • Sep 18, 20263.24%first recorded
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.07%
Pre-Owned Autos
3.49%
12 - 36 months
View
▼
APR3.49%
Term12 - 36 months
Last UpdatedOct 10, 2026
Details

Rates shown include standard rate discounts.*

Rate History
1 change since Sep 14, 2026 · 3.24% → 3.49% ▲ 0.25 pts · high 3.49% / low 3.24%
2.74%3.37%3.99%Sep 14, 2026: 3.24% APRSep 27, 2026: 3.49% APRSep 14, 2026Oct 12, 2026
  • Sep 27, 20263.49%▲ from 3.24%
  • Sep 14, 20263.24%first recorded
Southern Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
New & Used Auto Loan
3.50%
Up to 24 Months
View
▼
APR3.50%
TermUp to 24 Months
Last UpdatedOct 5, 2026
Details

As low as; Published APR range: 3.50% - 15.90% depending on term (up to 84 months); rate assumes discount of up to 1.00%; APR cannot be discounted below 3.50%

Rate History
No change since Oct 5, 2026 · 3.50% APR
3.00%3.50%4.00%Oct 5, 2026: 3.50% APROct 5, 2026Oct 12, 2026
Port of Houston Warehouse Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.91%
New/Used Auto
3.61%
36 months
View
▼
APR3.61%
Term36 months
Last UpdatedOct 9, 2026
Details

Term: 36-months to 72-months; Published APR range: 3.61% to 15.96%.

Rate History
No change since Oct 5, 2026 · 3.61% APR · checked 2 times
3.11%3.61%4.11%Oct 5, 2026: 3.61% APROct 5, 2026Oct 12, 2026
Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
New Auto Loan
3.70%
up to 75 months
View
▼
APR3.70%
Termup to 75 months
Last UpdatedOct 12, 2026
Details

Rate History
No change since Sep 16, 2026 · 3.70% APR · checked 5 times
3.20%3.70%4.20%Sep 16, 2026: 3.70% APRSep 16, 2026Oct 12, 2026
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
New Autos
3.74%
Up to 36 Months
View
▼
APR3.74%
TermUp to 36 Months
Last UpdatedOct 10, 2026
Details

As Low As; Fewer than 7,500 miles

Rate History
No change since Sep 14, 2026 · 3.74% APR · checked 6 times
3.24%3.74%4.24%Sep 14, 2026: 3.74% APRSep 14, 2026Oct 12, 2026
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
Used Autos
3.74%
Up to 36 Months
View
▼
APR3.74%
TermUp to 36 Months
Last UpdatedOct 10, 2026
Details

As Low As; Fewer than 100,000 miles

Rate History
No change since Sep 14, 2026 · 3.74% APR · checked 6 times
3.24%3.74%4.24%Sep 14, 2026: 3.74% APRSep 14, 2026Oct 12, 2026
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
New, Used, or Refinanced Vehicles
3.74%
36-month
View
▼
APR3.74%
Term36-month
Last UpdatedOct 10, 2026
Details

As Low As; No payments for 90 days. A $30,000 loan with a 36-month term at 3.74% APR equals a $936.19 monthly. Your monthly payment includes principal and interest and may be higher or lower depending on your loan amount, APR and term. Payment also includes monthly premium for Payment Protection which includes Credit Life and Disability Insurance. Credit Life and Disability Insurance is not required. Other rates and terms available. May not be combined with other offers. All loans and rates are subject to approval and some restrictions may apply. All loans closed directly at the dealership must be pre-approved at the credit union and closed at the pre-approved rate to qualify for the rate discount. Subject to mileage and vehicle age limitations. A vehicle is considered new when the model is current calendar year, next year so long as the mileage does not exceed 7,500 miles. CRCU finances up to 120% of MSRP (new vehicles) or the NADA Retail value (used vehicles). Maximum loan to value (LTV) is 120% including tax, license and fees. Maximum LTV is subject to approval and certain restrictions may apply. Not available to refinance an existing CRCU auto loan. The minimum approved loan amount is $500.00. Payment will not be required during the deferred period for the first 90 days. Interest will accrue during the deferment period. Must be 2024 model year or newer.

Rate History
No change since Oct 10, 2026 · 3.74% APR
3.24%3.74%4.24%Oct 10, 2026: 3.74% APROct 10, 2026Oct 12, 2026
USE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
New & Used Autos
3.74%
Up to 36 months
View
▼
APR3.74%
TermUp to 36 months
Last UpdatedOct 12, 2026
Details

As low as; *

Rate History
1 change since Sep 16, 2026 · 3.49% → 3.74% ▲ 0.25 pts · high 3.74% / low 3.49%
2.99%3.62%4.24%Sep 16, 2026: 3.49% APROct 4, 2026: 3.74% APRSep 16, 2026Oct 12, 2026
  • Oct 4, 20263.74%▲ from 3.49%
  • Sep 16, 20263.49%first recorded
Brazos Star Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
New or used Vehicles up to three years old, and Loan
3.75%
Up to 36 Months
View
▼
APR3.75%
TermUp to 36 Months
Last UpdatedOct 9, 2026
Details

As low as

Rate History
No change since Sep 14, 2026 · 3.75% APR · checked 7 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APRSep 14, 2026Oct 12, 2026
Star Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
Auto Loans
3.79%
Up to 36 months
View
▼
APR3.79%
TermUp to 36 months
Last UpdatedOct 10, 2026
Details

Term: Up to 36 months - 84 months; Published APR range: 3.79% - 15.54%.

Rate History
1 change since Sep 14, 2026 · 3.43% → 3.79% ▲ 0.36 pts · high 3.79% / low 3.43%
2.93%3.61%4.29%Sep 14, 2026: 3.43% APROct 10, 2026: 3.79% APRSep 14, 2026Oct 12, 2026
  • Oct 10, 20263.79%▲ from 3.43%
  • Sep 14, 20263.43%first recorded
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
Used Auto
3.84%
Up to 36 Months
View
▼
APR3.84%
TermUp to 36 Months
Last UpdatedOct 9, 2026
Details

Rates Effective September 18, 2026.

Rate History
No change since Sep 14, 2026 · 3.84% APR · checked 6 times
3.34%3.84%4.34%Sep 14, 2026: 3.84% APRSep 14, 2026Oct 12, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.31%
Auto Loans - 2025 & Newer
3.84%
0 - 36 Months
View
▼
APR3.84%
Term0 - 36 Months
Last UpdatedOct 10, 2026
Details

As Low As; Loan Term

Rate History
2 changes since Sep 14, 2026 · 3.49% → 3.84% ▲ 0.35 pts · high 3.84% / low 3.49%
2.99%3.67%4.34%Sep 14, 2026: 3.49% APRSep 18, 2026: 3.64% APROct 10, 2026: 3.84% APRSep 14, 2026Oct 12, 2026
  • Oct 10, 20263.84%▲ from 3.64%
  • Sep 18, 20263.64%▲ from 3.49%
  • Sep 14, 20263.49%first recorded
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.19%
New & Used Autos
3.89%
37-48 Months
View
▼
APR3.89%
Term37-48 Months
Last UpdatedOct 8, 2026
Details

Published APR range: 3.89% - 12.95%. APR*

Rate History
No change since Sep 14, 2026 · 3.89% APR · checked 10 times
3.39%3.89%4.39%Sep 14, 2026: 3.89% APRSep 14, 2026Oct 12, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Auto Loan
3.89%
12-36 Months
View
▼
APR3.89%
Term12-36 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 3.89% APR · checked 4 times
3.39%3.89%4.39%Sep 30, 2026: 3.89% APRSep 30, 2026Oct 12, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Vehicle Loan
3.89%
up to 36 months
View
▼
APR3.89%
Termup to 36 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 3.89% APR · checked 4 times
3.39%3.89%4.39%Sep 30, 2026: 3.89% APRSep 30, 2026Oct 12, 2026
Northeast Texas Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
Auto Purchase Loan Rate - New Autos
3.90%
72 months
View
▼
APR3.90%
Term72 months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Oct 9, 2026 · 3.90% APR
3.40%3.90%4.40%Oct 9, 2026: 3.90% APROct 9, 2026Oct 12, 2026
Southwest Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
New Auto
3.94%
Up to 36 Months
View
▼
APR3.94%
TermUp to 36 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 3.94% - 14.00%. 100% Financing**

Rate History
No change since Sep 24, 2026 · 3.94% APR · checked 5 times
3.44%3.94%4.44%Sep 24, 2026: 3.94% APRSep 24, 2026Oct 12, 2026
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
New Vehicles, New Automobile (NA) - A (720-799)
3.95%
0-36 Months
View
▼
APR3.95%
Term0-36 Months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Oct 9, 2026 · 3.95% APR
3.45%3.95%4.45%Oct 9, 2026: 3.95% APROct 9, 2026Oct 12, 2026
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
New Vehicles, New Automobile (NA) - A+
3.95%
37-60 Months
View
▼
APR3.95%
Term37-60 Months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 17, 2026 · 3.95% APR · checked 6 times
3.45%3.95%4.45%Sep 17, 2026: 3.95% APRSep 17, 2026Oct 12, 2026
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
Pre-Owned (Used) Automobile
3.95%
37-60 Months
View
▼
APR3.95%
Term37-60 Months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Sep 17, 2026 · 3.95% APR · checked 5 times
3.45%3.95%4.45%Sep 17, 2026: 3.95% APRSep 17, 2026Oct 12, 2026
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
Pre-Owned (Used) Automobile (UA) - 0-36 Months
3.95%
0-36 months
View
▼
APR3.95%
Term0-36 months
Last UpdatedOct 9, 2026
Details

Credit Score: A (720-799)

Rate History
No change since Sep 14, 2026 · 3.95% APR · checked 3 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APRSep 14, 2026Oct 12, 2026
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
Pre-Owned (Used) Automobile (UA) - 37-60 Months
3.95%
37-60 months
View
▼
APR3.95%
Term37-60 months
Last UpdatedOct 9, 2026
Details

Credit Score: A+ (800+)

Rate History
No change since Sep 14, 2026 · 3.95% APR · checked 3 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APRSep 14, 2026Oct 12, 2026
Tyler City Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.67%
New & Used Auto 2022 - 2026
3.95%
Up to 60 months
View
▼
APR3.95%
TermUp to 60 months
Last UpdatedOct 10, 2026
Details

Rate History
No change since Sep 14, 2026 · 3.95% APR · checked 5 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APRSep 14, 2026Oct 12, 2026
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.25%
Vehicle Loans
3.97%
0-36 Months
View
▼
APR3.97%
Term0-36 Months
Last UpdatedOct 9, 2026
Details

Credit Tier: B

Rate History
3 changes since Sep 14, 2026 · 3.01% → 3.97% ▲ 0.96 pts · high 4.06% / low 3.01%
1.96%3.53%5.11%Sep 14, 2026: 3.01% APRSep 17, 2026: 3.76% APRSep 18, 2026: 4.06% APRSep 25, 2026: 3.97% APRSep 14, 2026Oct 12, 2026
  • Sep 25, 20263.97%▼ from 4.06%
  • Sep 18, 20264.06%▲ from 3.76%
  • Sep 17, 20263.76%▲ from 3.01%
  • Sep 14, 20263.01%first recorded
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.25%
Vehicle Loans
3.97%
37-48 Months
View
▼
APR3.97%
Term37-48 Months
Last UpdatedOct 9, 2026
Details

Credit Tier: A

Rate History
2 changes since Sep 17, 2026 · 3.76% → 3.97% ▲ 0.21 pts · high 4.06% / low 3.76%
3.26%3.91%4.56%Sep 17, 2026: 3.76% APRSep 18, 2026: 4.06% APRSep 25, 2026: 3.97% APRSep 17, 2026Oct 12, 2026
  • Sep 25, 20263.97%▼ from 4.06%
  • Sep 18, 20264.06%▲ from 3.76%
  • Sep 17, 20263.76%first recorded
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.25%
Vehicle Loans
3.97%
49-60 Months
View
▼
APR3.97%
Term49-60 Months
Last UpdatedOct 9, 2026
Details

Credit Tier: A+

Rate History
1 change since Sep 17, 2026 · 4.06% → 3.97% ▼ 0.09 pts · high 4.06% / low 3.97%
3.47%4.02%4.56%Sep 17, 2026: 4.06% APRSep 25, 2026: 3.97% APRSep 17, 2026Oct 12, 2026
  • Sep 25, 20263.97%▼ from 4.06%
  • Sep 17, 20264.06%first recorded
United Heritage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.63%
New/Used Auto Loan
3.99%
0 to 36 Months
View
▼
APR3.99%
Term0 to 36 Months
Last UpdatedOct 1, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 5 times
3.49%3.99%4.49%Sep 14, 2026: 3.99% APRSep 14, 2026Oct 12, 2026
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
Repo Vehicle Loans
3.99%
60 Months Fixed Rate
View
▼
APR3.99%
Term60 Months Fixed Rate
Last UpdatedOct 7, 2026
Details

Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 6 times
3.49%3.99%4.49%Sep 18, 2026: 3.99% APRSep 18, 2026Oct 12, 2026
Secured Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
New Auto Loan
3.99%
Up to 84 months
View
▼
APR3.99%
TermUp to 84 months
Last UpdatedOct 9, 2026
Details

As Low As; Rates and terms are subject to credit approval and may vary based on credit history, loan term, vehicle year, mileage, loan-to-value, and how/when the vehicle has been titled. Rates are effective as of 1/1/2026 and subject to change without notice.

Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 8 times
3.49%3.99%4.49%Sep 14, 2026: 3.99% APRSep 14, 2026Oct 12, 2026
Secured Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
Vehicles Loan
3.99%
Up to 84 months
View
▼
APR3.99%
TermUp to 84 months
Last UpdatedOct 9, 2026
Details

Term: Up to 84 months, Depending on Age; As Low As

Rate History
No change since Sep 17, 2026 · 3.99% APR · checked 7 times
3.49%3.99%4.49%Sep 17, 2026: 3.99% APRSep 17, 2026Oct 12, 2026
Allied Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
Auto Loan
3.99%
Up to 84 Months
View
▼
APR3.99%
TermUp to 84 Months
Last UpdatedOct 9, 2026
Details

GAP or MCP, VSC, Ultra

Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 8 times
3.49%3.99%4.49%Sep 14, 2026: 3.99% APRSep 14, 2026Oct 12, 2026
Austin Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.28%
Used Vehicles Loan
3.99%
48 months
View
▼
APR3.99%
Term48 months
Last UpdatedOct 9, 2026
Details

Published APR range: 3.99% to 14.55%.

Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 8 times
3.49%3.99%4.49%Sep 14, 2026: 3.99% APRSep 14, 2026Oct 12, 2026
Rockdale Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
New Vehicles
3.99%
Up to 84 Months
View
▼
APR3.99%
Interest Rate3.99%
TermUp to 84 Months
Last UpdatedOct 9, 2026
Details

Rate Range: 3.99% _ 5.94%; Rate**: 5.94%

Rate History
1 change since Sep 17, 2026 · 5.94% → 3.99% ▼ 1.95 pts · high 5.94% / low 3.99%
2.04%4.97%7.89%Sep 17, 2026: 5.94% APROct 9, 2026: 3.99% APRSep 17, 2026Oct 12, 2026
  • Oct 9, 20263.99%▼ from 5.94%
  • Sep 17, 20265.94%first recorded
Rockdale Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
New Vehicles
3.99%
Up to 72 Months
View
▼
APR3.99%
Interest Rate3.99%
TermUp to 72 Months
Last UpdatedOct 9, 2026
Details

Rate Range: 3.99% _ 5.94%; Rate**: 5.49%

Rate History
1 change since Sep 17, 2026 · 5.49% → 3.99% ▼ 1.50 pts · high 5.49% / low 3.99%
2.49%4.74%6.99%Sep 17, 2026: 5.49% APROct 9, 2026: 3.99% APRSep 17, 2026Oct 12, 2026
  • Oct 9, 20263.99%▼ from 5.49%
  • Sep 17, 20265.49%first recorded
Rockdale Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
New Vehicles
3.99%
Up to 36 Months
View
▼
APR3.99%
Interest Rate3.99%
TermUp to 36 Months
Last UpdatedOct 9, 2026
Details

Rate Range: 3.99% _ 5.94%; Rate**: 3.99%

Rate History
No change since Sep 17, 2026 · 3.99% APR · checked 7 times
3.49%3.99%4.49%Sep 17, 2026: 3.99% APRSep 17, 2026Oct 12, 2026
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
NEW Auto Loan
3.99%
Up to 36 months
View
▼
APR3.99%
TermUp to 36 months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
1 change since Sep 14, 2026 · 4.40% → 3.99% ▼ 0.41 pts · high 4.40% / low 3.99%
3.49%4.20%4.90%Sep 14, 2026: 4.40% APROct 5, 2026: 3.99% APRSep 14, 2026Oct 12, 2026
  • Oct 5, 20263.99%▼ from 4.40%
  • Sep 14, 20264.40%first recorded
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
USED Auto Loan
3.99%
Up to 36 months
View
▼
APR3.99%
TermUp to 36 months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
1 change since Sep 14, 2026 · 4.99% → 3.99% ▼ 1.00 pts · high 4.99% / low 3.99%
2.99%4.49%5.99%Sep 14, 2026: 4.99% APROct 5, 2026: 3.99% APRSep 14, 2026Oct 12, 2026
  • Oct 5, 20263.99%▼ from 4.99%
  • Sep 14, 20264.99%first recorded
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.16%
New Auto Loan
3.99%
36 months
View
▼
APR3.99%
Term36 months
Last UpdatedOct 9, 2026
Details

Starting as low as 3.99%; Qualifying rate - Conditions apply

Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 8 times
3.49%3.99%4.49%Sep 14, 2026: 3.99% APRSep 14, 2026Oct 12, 2026
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.16%
Used Auto Loan
3.99%
36 months
View
▼
APR3.99%
Term36 months
Last UpdatedOct 9, 2026
Details

Starting as low as 3.99%

Rate History
2 changes since Sep 17, 2026 · 4.25% → 3.99% ▼ 0.26 pts · high 4.25% / low 3.99%
3.49%4.12%4.75%Sep 17, 2026: 4.25% APROct 5, 2026: 4.24% APROct 9, 2026: 3.99% APRSep 17, 2026Oct 12, 2026
  • Oct 9, 20263.99%▼ from 4.24%
  • Oct 5, 20264.24%▼ from 4.25%
  • Sep 17, 20264.25%first recorded
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.24%
New and Used Other Vehicle Loans
3.99%
Up to 12 months
View
▼
APR3.99%
TermUp to 12 months
Last UpdatedOct 9, 2026
Details

Published APR range: 3.99% to 16.19%.

Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 4 times
3.49%3.99%4.49%Sep 18, 2026: 3.99% APRSep 18, 2026Oct 12, 2026
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.24%
New and Used Other Vehicle Loans
3.99%
24 months
View
▼
APR3.99%
Term24 months
Last UpdatedOct 9, 2026
Details

Published APR range: 3.99% to 16.19%.

Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 4 times
3.49%3.99%4.49%Sep 18, 2026: 3.99% APRSep 18, 2026Oct 12, 2026
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.24%
New and Used Other Vehicle Loans
3.99%
36 months
View
▼
APR3.99%
Term36 months
Last UpdatedOct 9, 2026
Details

Published APR range: 3.99% to 16.19%.

Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 4 times
3.49%3.99%4.49%Sep 18, 2026: 3.99% APRSep 18, 2026Oct 12, 2026
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.24%
New and Used Other Vehicle Loans
3.99%
48 months
View
▼
APR3.99%
Term48 months
Last UpdatedOct 9, 2026
Details

Published APR range: 3.99% to 16.19%.

Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 4 times
3.49%3.99%4.49%Sep 18, 2026: 3.99% APRSep 18, 2026Oct 12, 2026
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.24%
New and Used Other Vehicle Loans
3.99%
60 months
View
▼
APR3.99%
Term60 months
Last UpdatedOct 9, 2026
Details

Published APR range: 3.99% to 16.19%.

Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 4 times
3.49%3.99%4.49%Sep 18, 2026: 3.99% APRSep 18, 2026Oct 12, 2026
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
NEW Autos - Up to 36 Months
3.99%
36 months
View
▼
APR3.99%
Term36 months
Last UpdatedOct 9, 2026
Details

Published APR range: 3.99% - 13.00%. As Low As; Rates as low as 3.99% - 13.00%

Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 5 times
3.49%3.99%4.49%Sep 14, 2026: 3.99% APRSep 14, 2026Oct 12, 2026
United Energy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
New/Used Auto (up to 5 years old)
3.99%
60 Months
View
▼
APR3.99%
Term60 Months
Last UpdatedOct 10, 2026
Details

80% Financing MSRP or NADA Retail (20% down)

Rate History
No change since Sep 22, 2026 · 3.99% APR · checked 4 times
3.49%3.99%4.49%Sep 22, 2026: 3.99% APRSep 22, 2026Oct 12, 2026
Prestige Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
New Vehicle Loan (Car / Truck / SUV)
3.99%
Up to 36 Months
View
▼
APR3.99%
TermUp to 36 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 3.99% - 18.00%.

Rate History
No change since Oct 10, 2026 · 3.99% APR
3.49%3.99%4.49%Oct 10, 2026: 3.99% APROct 10, 2026Oct 12, 2026
Prestige Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
New Vehicle Loan (Car / Truck / SUV)
3.99%
Up to 48 Months
View
▼
APR3.99%
TermUp to 48 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 3.99% - 18.00%.

Rate History
No change since Oct 10, 2026 · 3.99% APR
3.49%3.99%4.49%Oct 10, 2026: 3.99% APROct 10, 2026Oct 12, 2026
Prestige Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
New Vehicle Loan (Car / Truck / SUV)
3.99%
Up to 60 Months
View
▼
APR3.99%
TermUp to 60 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 3.99% - 18.00%.

Rate History
No change since Oct 10, 2026 · 3.99% APR
3.49%3.99%4.49%Oct 10, 2026: 3.99% APROct 10, 2026Oct 12, 2026
Prestige Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
Used Vehicle Loan (Car / Truck / SUV)
3.99%
Up to 36 Months
View
▼
APR3.99%
TermUp to 36 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 3.99% - 18.00%.

Rate History
No change since Oct 10, 2026 · 3.99% APR
3.49%3.99%4.49%Oct 10, 2026: 3.99% APROct 10, 2026Oct 12, 2026
Prestige Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
Used Vehicle Loan (Car / Truck / SUV)
3.99%
Up to 48 Months
View
▼
APR3.99%
TermUp to 48 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 3.99% - 18.00%.

Rate History
No change since Oct 10, 2026 · 3.99% APR
3.49%3.99%4.49%Oct 10, 2026: 3.99% APROct 10, 2026Oct 12, 2026
Prestige Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
Used Vehicle Loan (Car / Truck / SUV)
3.99%
Up to 60 Months
View
▼
APR3.99%
TermUp to 60 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 3.99% - 18.00%.

Rate History
No change since Oct 10, 2026 · 3.99% APR
3.49%3.99%4.49%Oct 10, 2026: 3.99% APROct 10, 2026Oct 12, 2026
Travis County Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.45%
Motor Vehicle New and Used Loan
3.99%
48 months
View
▼
APR3.99%
Term48 months
Last UpdatedOct 10, 2026
Details

Published APR range: 3.99% to 17.74%. Max Loan: 110% of price

Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 5 times
3.49%3.99%4.49%Sep 18, 2026: 3.99% APRSep 18, 2026Oct 12, 2026
Travis County Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.45%
Motor Vehicle New and Used Loan
3.99%
36 months
View
▼
APR3.99%
Term36 months
Last UpdatedOct 10, 2026
Details

Published APR range: 3.99% to 17.74%. Max Loan: 110% of price

Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 5 times
3.49%3.99%4.49%Sep 18, 2026: 3.99% APRSep 18, 2026Oct 12, 2026
Houston Highway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
New Vehicle Loan
3.99%
24 - 72+ Months
View
▼
APR3.99%
Term24 - 72+ Months
Last UpdatedOct 10, 2026
Details

Published APR range: 3.99% - 18.00%.

Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 6 times
3.49%3.99%4.49%Sep 14, 2026: 3.99% APRSep 14, 2026Oct 12, 2026
Houston Highway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
Used Vehicle Loan
3.99%
24 - 72+ Months
View
▼
APR3.99%
Term24 - 72+ Months
Last UpdatedOct 10, 2026
Details

Published APR range: 3.99% - 18.00%.

Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 6 times
3.49%3.99%4.49%Sep 14, 2026: 3.99% APRSep 14, 2026Oct 12, 2026
Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Auto Loans
3.99%
up to 36 months
View
▼
APR3.99%
Termup to 36 months
Last UpdatedOct 10, 2026
Details

As Low As; *

Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 3 times
3.49%3.99%4.49%Sep 14, 2026: 3.99% APRSep 14, 2026Oct 12, 2026
First Service Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.24%
Auto Loan
3.99%
36 - 84 months
View
▼
APR3.99%
Term36 - 84 months
Last UpdatedOct 10, 2026
Details

As Low As; Monthly payment for 36 months is

Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 6 times
3.49%3.99%4.49%Sep 14, 2026: 3.99% APRSep 14, 2026Oct 12, 2026
Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
New Auto
3.99%
36-month
View
▼
APR3.99%
Term36-month
Last UpdatedOct 10, 2026
Details

As Low As; Estimated Payment:

Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 6 times
3.49%3.99%4.49%Sep 14, 2026: 3.99% APRSep 14, 2026Oct 12, 2026
InvesTex Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
New and Used Auto Loan
3.99%
Up to 36 Months
View
▼
APR3.99%
TermUp to 36 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 3.99% - 11.24%.

Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 2 times
3.49%3.99%4.49%Sep 14, 2026: 3.99% APRSep 14, 2026Oct 12, 2026
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
New vehicles Loan
3.99%
37-48 months
View
▼
APR3.99%
Term37-48 months
Last UpdatedOct 10, 2026
Details

Rates below are based on a minimum credit score of 700.

Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 7 times
3.49%3.99%4.49%Sep 14, 2026: 3.99% APRSep 14, 2026Oct 12, 2026
Texasgulf Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
New or used vehicle Loan
3.99%
up to 36 months
View
▼
APR3.99%
Termup to 36 months
Last UpdatedOct 12, 2026
Details

As Low As; New or used vehicle

Rate History
No change since Sep 16, 2026 · 3.99% APR · checked 5 times
3.49%3.99%4.49%Sep 16, 2026: 3.99% APRSep 16, 2026Oct 12, 2026
Sabine Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
New or Used Autos or Harley Davidson Motorcycles (36 months or less)
4.00%
36 months
View
▼
APR4.00%
Term36 months
Last UpdatedOct 8, 2026
Details

APR range: 4.00% - 14.00% APR*

Rate History
No change since Sep 17, 2026 · 4.00% APR · checked 2 times
3.50%4.00%4.50%Sep 17, 2026: 4.00% APRSep 17, 2026Oct 12, 2026
Temple Inland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.36%
New & Used Auto
4.00%
36-60 months
View
▼
APR4.00%
Term36-60 months
Last UpdatedOct 8, 2026
Details

Tier 1 750-up

Rate History
No change since Sep 14, 2026 · 4.00% APR · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APRSep 14, 2026Oct 12, 2026
Temple Inland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.36%
New & Used Auto
4.00%
61-75 months
View
▼
APR4.00%
Term61-75 months
Last UpdatedOct 8, 2026
Details

Tier 1 750-up

Rate History
No change since Sep 14, 2026 · 4.00% APR · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APRSep 14, 2026Oct 12, 2026
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.68%
New Automobiles & Light Trucks
4.00%
36 months
View
▼
APR4.00%
Term36 months
Last UpdatedOct 8, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.00% APR · checked 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APRSep 14, 2026Oct 12, 2026
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.68%
Used Automobiles & Light Trucks
4.00%
36 months
View
▼
APR4.00%
Term36 months
Last UpdatedOct 8, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.00% APR · checked 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APRSep 14, 2026Oct 12, 2026
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
New/Used Vehicles - 24 Mo. Loan
4.00%
24 months
View
▼
APR4.00%
Term24 months
Last UpdatedOct 9, 2026
Details

Credit Score: 730+; Grade of Paper: A+

Rate History
No change since Sep 14, 2026 · 4.00% APR · checked 5 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APRSep 14, 2026Oct 12, 2026
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
New/Used Vehicles - 36 Mo. Loan
4.00%
36 months
View
▼
APR4.00%
Term36 months
Last UpdatedOct 9, 2026
Details

Credit Score: 730+; Grade of Paper: A+

Rate History
No change since Sep 14, 2026 · 4.00% APR · checked 5 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APRSep 14, 2026Oct 12, 2026
Local 20 IBEW Federal Credit Union
Institution Rating:
D3.1 ★ Texas Ratio: 25.11%
New Vehicle Loan
4.00%
Up to 72 months
View
▼
APR4.00%
TermUp to 72 months
Last UpdatedOct 9, 2026
Details

New vehicle loan term cannot exceed 72 months from the Vehicle In-Service Date. The maximum loan term, not to exceed 72 months, is reserved to the judgment of the acting loan officer based on the type of vehicle and the credit-worthiness of the applicant.

Rate History
No change since Oct 5, 2026 · 4.00% APR · checked 2 times
3.50%4.00%4.50%Oct 5, 2026: 4.00% APROct 5, 2026Oct 12, 2026
Local 20 IBEW Federal Credit Union
Institution Rating:
D3.1 ★ Texas Ratio: 25.11%
Used Vehicle Loan
4.00%
Up to 72 months
View
▼
APR4.00%
TermUp to 72 months
Last UpdatedOct 9, 2026
Details

All loans can be discounted by 0.25% APR* if member has an active MasterCard account with monthly activity on the account. This discount can be given if member requests and is approved for a MasterCard when the loan is made. If the member discontinues the products or services which made them eligible for the discount, their rate may be increased to the normal rate.

Rate History
No change since Oct 9, 2026 · 4.00% APR
3.50%4.00%4.50%Oct 9, 2026: 4.00% APROct 9, 2026Oct 12, 2026
Education First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.82%
New and Used Vehicle Loan
4.00%
36 Months
View
▼
APR4.00%
Term36 Months
Last UpdatedOct 9, 2026
Details

APR = Annual Percentage Rate. The APR shown reflects our best rate including discounts and may be different based on credit underwriting or services used. All rates are subject to change without notice.

Rate History
No change since Oct 5, 2026 · 4.00% APR · checked 2 times
3.50%4.00%4.50%Oct 5, 2026: 4.00% APROct 5, 2026Oct 12, 2026
Gulf Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
New & Used Autos
4.00%
36 months
View
▼
APR4.00%
Term36 months
Last UpdatedOct 9, 2026
Details

As low as

Rate History
No change since Sep 14, 2026 · 4.00% APR · checked 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APRSep 14, 2026Oct 12, 2026
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
New Auto Loan
4.00%
24 Months
View
▼
APR4.00%
Term24 Months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Oct 9, 2026 · 4.00% APR
3.50%4.00%4.50%Oct 9, 2026: 4.00% APROct 9, 2026Oct 12, 2026
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
New Vehicles Loan
4.00%
24 Months
View
▼
APR4.00%
Term24 Months
Last UpdatedOct 9, 2026
Details

Fixed

Rate History
No change since Sep 14, 2026 · 4.00% APR · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APRSep 14, 2026Oct 12, 2026
Concho Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.62%
New Auto
4.00%
36 months
View
▼
APR4.00%
Term36 months
Last UpdatedOct 10, 2026
Details

As low as; Maximum Loan: 100%

Rate History
No change since Sep 14, 2026 · 4.00% APR · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APRSep 14, 2026Oct 12, 2026
Concho Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.62%
New Auto
4.00%
48 months
View
▼
APR4.00%
Term48 months
Last UpdatedOct 10, 2026
Details

As low as; Maximum Loan: 100%

Rate History
1 change since Sep 14, 2026 · 4.50% → 4.00% ▼ 0.50 pts · high 4.50% / low 4.00%
3.50%4.25%5.00%Sep 14, 2026: 4.50% APROct 1, 2026: 4.00% APRSep 14, 2026Oct 12, 2026
  • Oct 1, 20264.00%▼ from 4.50%
  • Sep 14, 20264.50%first recorded
Concho Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.62%
Used Autos
4.00%
24 to 60 months
View
▼
APR4.00%
Term24 to 60 months
Last UpdatedOct 10, 2026
Details

As low as; Maximum Loan: NADA RETAIL VALUE

Rate History
No change since Sep 14, 2026 · 4.00% APR · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APRSep 14, 2026Oct 12, 2026
Service 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
New Vehicle
4.00%
up to 94 months
View
▼
APR4.00%
Interest Rate4.00%
Termup to 94 months
Last UpdatedOct 10, 2026
Details

Published rate range: 4.00% to 12.00%.

Rate History
No change since Sep 14, 2026 · 4.00% APR · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APRSep 14, 2026Oct 12, 2026
Southern Star Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.70%
New Auto Loan
4.00%
Up to 36 Months
View
▼
APR4.00%
TermUp to 36 Months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 14, 2026 · 4.00% APR · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APRSep 14, 2026Oct 12, 2026
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
New Cars and Trucks Loan
4.00%
36 Months
View
▼
APR4.00%
Interest Rate4.00%
Term36 Months
Last UpdatedOct 12, 2026
Details

Final rates are determined based on credit score and other factors.

Rate History
No change since Sep 16, 2026 · 4.00% APR · checked 4 times
3.50%4.00%4.50%Sep 16, 2026: 4.00% APRSep 16, 2026Oct 12, 2026
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.95%
Car Loans
4.05%
2 years
View
▼
APR4.05%
Term2 years
Last UpdatedOct 8, 2026
Details

Model Year: 2011 to 2015

Rate History
No change since Sep 14, 2026 · 4.05% APR · checked 6 times
3.55%4.05%4.55%Sep 14, 2026: 4.05% APRSep 14, 2026Oct 12, 2026
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.36%
New & Used Auto Loan
4.05%
Up to 36 Months
View
▼
APR4.05%
TermUp to 36 Months
Last UpdatedOct 12, 2026
Details

As Low As; Model Year: 2019-2025

Rate History
No change since Sep 16, 2026 · 4.05% APR · checked 3 times
3.55%4.05%4.55%Sep 16, 2026: 4.05% APRSep 16, 2026Oct 12, 2026
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
New Auto
4.09%
Up to 60 months
View
▼
APR4.09%
TermUp to 60 months
Last UpdatedOct 9, 2026
Details

Rates Effective September 18, 2026.

Rate History
No change since Sep 14, 2026 · 4.09% APR · checked 6 times
3.59%4.09%4.59%Sep 14, 2026: 4.09% APRSep 14, 2026Oct 12, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Business Vehicle Loan
4.09%
Up to 36 months
View
▼
APR4.09%
TermUp to 36 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 30, 2026 · 4.09% APR · checked 4 times
3.59%4.09%4.59%Sep 30, 2026: 4.09% APRSep 30, 2026Oct 12, 2026
Mesquite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
New and Used Vehicles Loan
4.10%
Up to 72 Months
View
▼
APR4.10%
TermUp to 72 Months
Last UpdatedOct 10, 2026
Details

As Low As; *

Rate History
No change since Sep 14, 2026 · 4.10% APR · checked 6 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APRSep 14, 2026Oct 12, 2026
Mesquite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
New and Used Vehicles Loan
4.10%
84 months
View
▼
APR4.10%
Term84 months
Last UpdatedOct 10, 2026
Details

As Low As; Rate discounts for having Direct Deposit, Automatic payment transfer, GAP coverage, Warranty or Credit Life/Disability Insurance.

Rate History
No change since Sep 18, 2026 · 4.10% APR · checked 5 times
3.60%4.10%4.60%Sep 18, 2026: 4.10% APRSep 18, 2026Oct 12, 2026
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
New Auto Loan
4.12%
36 Months
View
▼
APR4.12%
Term36 Months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Oct 9, 2026 · 4.13% APR
3.63%4.13%4.63%Oct 9, 2026: 4.13% APROct 9, 2026Oct 12, 2026
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
New Vehicles Loan
4.12%
36 Months
View
▼
APR4.12%
Term36 Months
Last UpdatedOct 9, 2026
Details

Fixed

Rate History
No change since Sep 14, 2026 · 4.13% APR · checked 6 times
3.63%4.13%4.63%Sep 14, 2026: 4.13% APRSep 14, 2026Oct 12, 2026
Memorial Credit Union Houston, TX
Institution Rating:
A+5.0 ★ Texas Ratio: 4.51%
New Autos
4.14%
Up to 84 Months
View
▼
APR4.14%
TermUp to 84 Months
Last UpdatedOct 9, 2026
Details

As Low As; (Based On credit score, loan term, and relationship discounts)

Rate History
No change since Sep 14, 2026 · 4.14% APR · checked 4 times
3.64%4.14%4.64%Sep 14, 2026: 4.14% APRSep 14, 2026Oct 12, 2026
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.95%
Car Loans
4.15%
3 years
View
▼
APR4.15%
Term3 years
Last UpdatedOct 8, 2026
Details

Model Year: 2016 to 2019

Rate History
No change since Sep 14, 2026 · 4.15% APR · checked 6 times
3.65%4.15%4.65%Sep 14, 2026: 4.15% APRSep 14, 2026Oct 12, 2026
Temple Inland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.36%
New & Used Auto
4.15%
36-60 months
View
▼
APR4.15%
Term36-60 months
Last UpdatedOct 8, 2026
Details

Tier 2 700-749

Rate History
No change since Sep 14, 2026 · 4.15% APR · checked 6 times
3.65%4.15%4.65%Sep 14, 2026: 4.15% APRSep 14, 2026Oct 12, 2026
Temple Inland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.36%
New & Used Auto
4.15%
61-75 months
View
▼
APR4.15%
Term61-75 months
Last UpdatedOct 8, 2026
Details

Tier 2 700-749

Rate History
No change since Sep 14, 2026 · 4.15% APR · checked 6 times
3.65%4.15%4.65%Sep 14, 2026: 4.15% APRSep 14, 2026Oct 12, 2026
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.97%
New Auto Loans - Cars and Light Trucks
4.15%
1 - 84 months
View
▼
APR4.15%
Term1 - 84 months
Last UpdatedOct 8, 2026
Details

Published APR range: 4.15% to 15.40%. Model Year(s): 2026

Rate History
No change since Oct 8, 2026 · 4.15% APR
3.65%4.15%4.65%Oct 8, 2026: 4.15% APROct 8, 2026Oct 12, 2026
Chocolate Bayou Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.94%
Auto Loans
4.17%
Up to 60 Months
View
▼
APR4.17%
TermUp to 60 Months
Last UpdatedOct 9, 2026
Details

APR as low as

Rate History
No change since Sep 14, 2026 · 4.17% APR · checked 6 times
3.67%4.17%4.67%Sep 14, 2026: 4.17% APRSep 14, 2026Oct 12, 2026
FAA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
2025 & Newer Auto Loan
4.19%
36 Months
View
▼
APR4.19%
Interest Rate4.19%
Term36 Months
Last UpdatedOct 8, 2026
Details

Rate History
No change since Oct 8, 2026 · 4.19% APR
3.69%4.19%4.69%Oct 8, 2026: 4.19% APROct 8, 2026Oct 12, 2026
Southwest Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
New Auto
4.19%
48 Months
View
▼
APR4.19%
Term48 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 4.19% - 15.00%.

Rate History
No change since Sep 24, 2026 · 4.19% APR · checked 5 times
3.69%4.19%4.69%Sep 24, 2026: 4.19% APRSep 24, 2026Oct 12, 2026
Southwest Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
Used Auto
4.19%
Up to 36 months
View
▼
APR4.19%
TermUp to 36 months
Last UpdatedOct 10, 2026
Details

Published APR range: 4.19% - 14.25%. 100% Financing**

Rate History
No change since Sep 24, 2026 · 4.19% APR · checked 5 times
3.69%4.19%4.69%Sep 24, 2026: 4.19% APRSep 24, 2026Oct 12, 2026
Pinnacle Federal Credit Union
New Vehicle Loans
4.24%
6 - 35 Months
View
▼
APR4.24%
Term6 - 35 Months
Last UpdatedSep 25, 2026
Details

As Low As; *

Rate History
No change since Sep 14, 2026 · 4.24% APR · checked 3 times
3.74%4.24%4.74%Sep 14, 2026: 4.24% APRSep 14, 2026Oct 12, 2026
City Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.65%
Vehicle Loan
4.24%
up to 36 months
View
▼
APR4.24%
Termup to 36 months
Last UpdatedOct 8, 2026
Details

As Low As

Rate History
No change since Oct 8, 2026 · 4.24% APR
3.74%4.24%4.74%Oct 8, 2026: 4.24% APROct 8, 2026Oct 12, 2026
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.16%
Used Auto Loan
4.24%
36 months
View
▼
APR4.24%
Term36 months
Last UpdatedOct 9, 2026
Details

Starting as low as 4.24%

Rate History
1 change since Sep 17, 2026 · 4.25% → 4.24% ▼ 0.01 pts · high 4.25% / low 4.24%
3.74%4.25%4.75%Sep 17, 2026: 4.25% APROct 5, 2026: 4.24% APRSep 17, 2026Oct 12, 2026
  • Oct 5, 20264.24%▼ from 4.25%
  • Sep 17, 20264.25%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.69%
Vehicle Loans
4.24%
24 Months
View
▼
APR4.24%
Term24 Months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Oct 9, 2026 · 4.24% APR · checked 3 times
3.74%4.24%4.74%Oct 9, 2026: 4.24% APROct 9, 2026Oct 12, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.69%
Vehicle Loans
4.24%
36 Months
View
▼
APR4.24%
Term36 Months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Oct 9, 2026 · 4.24% APR · checked 3 times
3.74%4.24%4.74%Oct 9, 2026: 4.24% APROct 9, 2026Oct 12, 2026
Texas Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.06%
Used & New Auto Loan
4.24%
0-36 months
View
▼
APR4.24%
Term0-36 months
Last UpdatedOct 10, 2026
Details

As low as*; Rate: 4.24%

Rate History
No change since Oct 10, 2026 · 4.24% APR
3.74%4.24%4.74%Oct 10, 2026: 4.24% APROct 10, 2026Oct 12, 2026
Texas Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.06%
Used & New Auto Loan
4.24%
37-48 months
View
▼
APR4.24%
Term37-48 months
Last UpdatedOct 10, 2026
Details

As low as*; Rate: 4.24%

Rate History
No change since Oct 10, 2026 · 4.24% APR
3.74%4.24%4.74%Oct 10, 2026: 4.24% APROct 10, 2026Oct 12, 2026
Texas Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.06%
Used & New Auto Loan
4.24%
49-60 months
View
▼
APR4.24%
Term49-60 months
Last UpdatedOct 10, 2026
Details

As low as*; Rate: 4.24%

Rate History
No change since Oct 10, 2026 · 4.24% APR
3.74%4.24%4.74%Oct 10, 2026: 4.24% APROct 10, 2026Oct 12, 2026
United Credit Union Tyler, TX
Institution Rating:
A+5.0 ★ Texas Ratio: 5.11%
Auto Loan
4.24%
up to 48 months
View
▼
APR4.24%
Termup to 48 months
Last UpdatedOct 10, 2026
Details

Maximum Available Term: Up to 84 months

Rate History
No change since Sep 14, 2026 · 4.24% APR · checked 6 times
3.74%4.24%4.74%Sep 14, 2026: 4.24% APRSep 14, 2026Oct 12, 2026
Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
New Auto
4.24%
60-month
View
▼
APR4.24%
Term60-month
Last UpdatedOct 10, 2026
Details

As Low As; Estimated Payment:

Rate History
No change since Sep 14, 2026 · 4.24% APR · checked 6 times
3.74%4.24%4.74%Sep 14, 2026: 4.24% APRSep 14, 2026Oct 12, 2026
FIRST EAGLE
Institution Rating:
A+5.0 ★ Texas Ratio: 3.56%
New Auto
4.24%
36 Months
View
▼
APR4.24%
Term36 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Oct 10, 2026 · 4.24% APR
3.74%4.24%4.74%Oct 10, 2026: 4.24% APROct 10, 2026Oct 12, 2026
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.95%
Car Loans
4.25%
4 years
View
▼
APR4.25%
Term4 years
Last UpdatedOct 8, 2026
Details

Model Year: 2020 to 2024

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 6 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 12, 2026
Sabine Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
New Auto
4.25%
60 months
View
▼
APR4.25%
Term60 months
Last UpdatedOct 8, 2026
Details

Monthly payment amount approximately $18.56 on $1,000 for 60 months at 4.25% APR.

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 6 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 12, 2026
Sabine Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
New or Used Autos or Harley Davidson Motorcycles (48 months or less)
4.25%
48 months
View
▼
APR4.25%
Term48 months
Last UpdatedOct 8, 2026
Details

APR range: 4.25% - 14.25% APR*

Rate History
No change since Sep 17, 2026 · 4.25% APR · checked 2 times
3.75%4.25%4.75%Sep 17, 2026: 4.25% APRSep 17, 2026Oct 12, 2026
Sabine Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
New or Used Autos or Harley Davidson Motorcycles (60 months or less)
4.25%
60 months
View
▼
APR4.25%
Term60 months
Last UpdatedOct 8, 2026
Details

APR range: 4.25% - 14.25% APR*

Rate History
No change since Sep 17, 2026 · 4.25% APR · checked 2 times
3.75%4.25%4.75%Sep 17, 2026: 4.25% APRSep 17, 2026Oct 12, 2026
Temple Inland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.36%
New & Used Auto
4.25%
78-84 months
View
▼
APR4.25%
Term78-84 months
Last UpdatedOct 8, 2026
Details

Tier 1 750-up

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 6 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 12, 2026
Port Arthur Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.56%
New Car Loan
4.25%
up to 60 month
View
▼
APR4.25%
Termup to 60 month
Last UpdatedOct 8, 2026
Details

Term: up to 60 month financing available

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 14, 2026: 4.00% APROct 8, 2026: 4.25% APRSep 14, 2026Oct 12, 2026
  • Oct 8, 20264.25%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Cy-Fair Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.93%
New & Used Auto
4.25%
36 to 84 Months
View
▼
APR4.25%
Term36 to 84 Months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 9 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 12, 2026
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
New/Used Vehicles - 48 Mo. Loan
4.25%
48 months
View
▼
APR4.25%
Term48 months
Last UpdatedOct 9, 2026
Details

Credit Score: 730+; Grade of Paper: A+

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 5 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 12, 2026
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.70%
New Automobile Loan
4.25%
Up to 36 Months
View
▼
APR4.25%
TermUp to 36 Months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 5 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 12, 2026
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.70%
Used Automobile Loan
4.25%
Up to 36 Months
View
▼
APR4.25%
TermUp to 36 Months
Last UpdatedOct 9, 2026
Details

As Low As; Fixed Rate

Rate History
No change since Sep 17, 2026 · 4.25% APR · checked 7 times
3.75%4.25%4.75%Sep 17, 2026: 4.25% APRSep 17, 2026Oct 12, 2026
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.16%
New Auto Loan
4.25%
48 months
View
▼
APR4.25%
Term48 months
Last UpdatedOct 9, 2026
Details

Starting as low as 4.25%; Qualifying rate - Conditions apply

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 8 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 12, 2026
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.16%
Used Auto Loan
4.25%
48 months
View
▼
APR4.25%
Term48 months
Last UpdatedOct 9, 2026
Details

Starting as low as 4.25%

Rate History
No change since Sep 17, 2026 · 4.25% APR · checked 7 times
3.75%4.25%4.75%Sep 17, 2026: 4.25% APRSep 17, 2026Oct 12, 2026
Education First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.82%
New and Used Vehicle Loan
4.25%
48 Months
View
▼
APR4.25%
Term48 Months
Last UpdatedOct 9, 2026
Details

APR = Annual Percentage Rate. The APR shown reflects our best rate including discounts and may be different based on credit underwriting or services used. All rates are subject to change without notice.

Rate History
No change since Oct 5, 2026 · 4.25% APR · checked 2 times
3.75%4.25%4.75%Oct 5, 2026: 4.25% APROct 5, 2026Oct 12, 2026
Gulf Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
New & Used Autos
4.25%
48 months
View
▼
APR4.25%
Term48 months
Last UpdatedOct 9, 2026
Details

As low as

Rate History
No change since Sep 18, 2026 · 4.25% APR · checked 6 times
3.75%4.25%4.75%Sep 18, 2026: 4.25% APRSep 18, 2026Oct 12, 2026
Gulf Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
New & Used Autos
4.25%
60 months
View
▼
APR4.25%
Term60 months
Last UpdatedOct 9, 2026
Details

As low as

Rate History
No change since Sep 18, 2026 · 4.25% APR · checked 6 times
3.75%4.25%4.75%Sep 18, 2026: 4.25% APRSep 18, 2026Oct 12, 2026
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
NEW Autos - Up to 48 Months
4.25%
48 months
View
▼
APR4.25%
Term48 months
Last UpdatedOct 9, 2026
Details

Published APR range: 4.25% - 13.49%. As Low As; Rates as low as 4.25% - 13.49%

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 5 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 12, 2026
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
USED Autos - Up to 36 Months
4.25%
36 months
View
▼
APR4.25%
Term36 months
Last UpdatedOct 9, 2026
Details

Published APR range: 4.25% - 13.75%. As Low As; Rates as low as 4.25% - 13.75%

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 5 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 12, 2026
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
New Auto Loan
4.25%
48 Months
View
▼
APR4.25%
Term48 Months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Oct 9, 2026 · 4.25% APR
3.75%4.25%4.75%Oct 9, 2026: 4.25% APROct 9, 2026Oct 12, 2026
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
New Vehicles Loan
4.25%
48 Months
View
▼
APR4.25%
Term48 Months
Last UpdatedOct 9, 2026
Details

Fixed

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 6 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 12, 2026
Brazos Star Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
New or used Vehicles up to three years old, and Loan
4.25%
48 to 59 Months
View
▼
APR4.25%
Term48 to 59 Months
Last UpdatedOct 9, 2026
Details

As low as

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 7 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 12, 2026
Brazos Star Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
Used Vehicles older than 3 years with less than 85k miles Loan
4.25%
Up to 48 Months
View
▼
APR4.25%
TermUp to 48 Months
Last UpdatedOct 9, 2026
Details

As low as

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 7 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 12, 2026
LCRA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.86%
Vehicle Loans
4.25%
Up to 48 Months
View
▼
APR4.25%
TermUp to 48 Months
Last UpdatedOct 10, 2026
Details

Tier Levels: A+

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 6 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 12, 2026
Southern Star Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.70%
New Auto Loan
4.25%
Up to 48 Months
View
▼
APR4.25%
TermUp to 48 Months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 6 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 12, 2026
Southern Star Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.70%
Used Auto Loans
4.25%
Up to 36 Months
View
▼
APR4.25%
TermUp to 36 Months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 6 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 12, 2026
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
New Auto Loans
4.25%
0-24 months
View
▼
APR4.25%
Term0-24 months
Last UpdatedOct 10, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 6 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 12, 2026
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
New Auto Loans
4.25%
25-36 months
View
▼
APR4.25%
Term25-36 months
Last UpdatedOct 10, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 6 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 12, 2026
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
New Auto Loans
4.25%
37-48 months
View
▼
APR4.25%
Term37-48 months
Last UpdatedOct 10, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 6 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 12, 2026
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
Used Auto Loans
4.25%
0-24 months
View
▼
APR4.25%
Term0-24 months
Last UpdatedOct 10, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 6 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 12, 2026
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
Used Auto Loans
4.25%
25-36 months
View
▼
APR4.25%
Term25-36 months
Last UpdatedOct 10, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 6 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 12, 2026
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
Used Auto Loans
4.25%
37-48 months
View
▼
APR4.25%
Term37-48 months
Last UpdatedOct 10, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 6 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 12, 2026
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.25%
Vehicle Loans
4.27%
0-36 Months
View
▼
APR4.27%
Term0-36 Months
Last UpdatedOct 9, 2026
Details

Credit Tier: C

Rate History
2 changes since Sep 14, 2026 · 3.01% → 4.27% ▲ 1.26 pts · high 4.27% / low 3.01%
1.75%3.64%5.53%Sep 14, 2026: 3.01% APRSep 17, 2026: 4.06% APRSep 25, 2026: 4.27% APRSep 14, 2026Oct 12, 2026
  • Sep 25, 20264.27%▲ from 4.06%
  • Sep 17, 20264.06%▲ from 3.01%
  • Sep 14, 20263.01%first recorded
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.25%
Vehicle Loans
4.27%
37-48 Months
View
▼
APR4.27%
Term37-48 Months
Last UpdatedOct 9, 2026
Details

Credit Tier: B

Rate History
1 change since Sep 17, 2026 · 4.06% → 4.27% ▲ 0.21 pts · high 4.27% / low 4.06%
3.56%4.16%4.77%Sep 17, 2026: 4.06% APRSep 25, 2026: 4.27% APRSep 17, 2026Oct 12, 2026
  • Sep 25, 20264.27%▲ from 4.06%
  • Sep 17, 20264.06%first recorded
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.25%
Vehicle Loans
4.27%
49-60 Months
View
▼
APR4.27%
Term49-60 Months
Last UpdatedOct 9, 2026
Details

Credit Tier: A

Rate History
1 change since Sep 17, 2026 · 4.06% → 4.27% ▲ 0.21 pts · high 4.27% / low 4.06%
3.56%4.16%4.77%Sep 17, 2026: 4.06% APRSep 25, 2026: 4.27% APRSep 17, 2026Oct 12, 2026
  • Sep 25, 20264.27%▲ from 4.06%
  • Sep 17, 20264.06%first recorded
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.25%
Vehicle Loans
4.27%
61-75 Months
View
▼
APR4.27%
Term61-75 Months
Last UpdatedOct 9, 2026
Details

Credit Tier: A+

Rate History
1 change since Sep 17, 2026 · 4.06% → 4.27% ▲ 0.21 pts · high 4.27% / low 4.06%
3.56%4.16%4.77%Sep 17, 2026: 4.06% APRSep 25, 2026: 4.27% APRSep 17, 2026Oct 12, 2026
  • Sep 25, 20264.27%▲ from 4.06%
  • Sep 17, 20264.06%first recorded
The Peoples Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.80%
New & Used Vehicles Loan
4.29%
3 years
View
▼
APR4.29%
Term3 years
Last UpdatedOct 8, 2026
Details

As low as; *Rate includes both discounts

Rate History
No change since Sep 14, 2026 · 4.29% APR · checked 5 times
3.79%4.29%4.79%Sep 14, 2026: 4.29% APRSep 14, 2026Oct 12, 2026
The Peoples Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.80%
New & Used Vehicles Loan
4.29%
4 years
View
▼
APR4.29%
Term4 years
Last UpdatedOct 8, 2026
Details

*Rate includes both discounts

Rate History
No change since Sep 14, 2026 · 4.29% APR · checked 5 times
3.79%4.29%4.79%Sep 14, 2026: 4.29% APRSep 14, 2026Oct 12, 2026
First Watch Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
NEW AUTOMOBILE LOANS 2025-2024
4.29%
Up to 84 months
View
▼
APR4.29%
TermUp to 84 months
Last UpdatedOct 9, 2026
Details

Published APR range: 4.29% - 17.99%. Down Payment: as low as 0%

Rate History
No change since Oct 9, 2026 · 4.29% APR
3.79%4.29%4.79%Oct 9, 2026: 4.29% APROct 9, 2026Oct 12, 2026
First Watch Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
Used Automobiles 2023
4.29%
Up to 72 months
View
▼
APR4.29%
TermUp to 72 months
Last UpdatedOct 9, 2026
Details

Published APR range: 4.29% - 17.99%. Year: 2023; Maximum Loan: NADA Value

Rate History
No change since Sep 17, 2026 · 4.29% APR · checked 3 times
3.79%4.29%4.79%Sep 17, 2026: 4.29% APRSep 17, 2026Oct 12, 2026
First Watch Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
Used Automobiles 2024
4.29%
Up to 78 months
View
▼
APR4.29%
TermUp to 78 months
Last UpdatedOct 9, 2026
Details

Published APR range: 4.29% - 17.99%. Year: 2024; Maximum Loan: NADA Value

Rate History
No change since Sep 17, 2026 · 4.29% APR · checked 3 times
3.79%4.29%4.79%Sep 17, 2026: 4.29% APRSep 17, 2026Oct 12, 2026
First Watch Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
Used Automobiles 2026-2025
4.29%
Up to 84 months
View
▼
APR4.29%
TermUp to 84 months
Last UpdatedOct 9, 2026
Details

Published APR range: 4.29% -17.99%. Year: 2026-2025; Maximum Loan: NADA Value

Rate History
No change since Sep 17, 2026 · 4.29% APR · checked 3 times
3.79%4.29%4.79%Sep 17, 2026: 4.29% APRSep 17, 2026Oct 12, 2026
Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Auto Loans
4.29%
up to 48 months
View
▼
APR4.29%
Termup to 48 months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 4.29% APR · checked 3 times
3.79%4.29%4.79%Sep 14, 2026: 4.29% APRSep 14, 2026Oct 12, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Auto Loan
4.29%
37-60 Months
View
▼
APR4.29%
Term37-60 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 4.29% APR · checked 4 times
3.79%4.29%4.79%Sep 30, 2026: 4.29% APRSep 30, 2026Oct 12, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Vehicle Loan
4.29%
37-60 months
View
▼
APR4.29%
Term37-60 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 4.29% APR · checked 4 times
3.79%4.29%4.79%Sep 30, 2026: 4.29% APRSep 30, 2026Oct 12, 2026
Methodist Hospital Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
New Vehicles New and 1 Year Old Loan
4.32%
1 Year
View
▼
APR4.32%
Term1 Year
Last UpdatedOct 8, 2026
Details

Additional APR listed for this product: 4.62%, 4.92%, 5.12%, 5.62%. As Low as; Rates are determined by the overall credit worthiness of each applicant, with the exception of CU QuikCash. ALL RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE.

Rate History
No change since Sep 20, 2026 · 4.32% APR · checked 4 times
3.82%4.32%4.82%Sep 20, 2026: 4.32% APRSep 20, 2026Oct 12, 2026
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.85%
New Auto Loans (0-2 years old with few than 36,000 miles) - 54 months or Less
4.34%
54 months
View
▼
APR4.34%
Term54 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Oct 10, 2026 · 4.34% APR
3.84%4.34%4.84%Oct 10, 2026: 4.34% APROct 10, 2026Oct 12, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.31%
Auto Loans - 2025 & Newer
4.34%
37 - 75 Months
View
▼
APR4.34%
Term37 - 75 Months
Last UpdatedOct 10, 2026
Details

As Low As; Loan Term

Rate History
2 changes since Sep 14, 2026 · 3.89% → 4.34% ▲ 0.45 pts · high 4.34% / low 3.89%
3.39%4.12%4.84%Sep 14, 2026: 3.89% APRSep 18, 2026: 4.14% APROct 10, 2026: 4.34% APRSep 14, 2026Oct 12, 2026
  • Oct 10, 20264.34%▲ from 4.14%
  • Sep 18, 20264.14%▲ from 3.89%
  • Sep 14, 20263.89%first recorded
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.95%
Car Loans
4.35%
5 years
View
▼
APR4.35%
Term5 years
Last UpdatedOct 8, 2026
Details

Model Year: 2025 to 2027

Rate History
No change since Sep 14, 2026 · 4.35% APR · checked 6 times
3.85%4.35%4.85%Sep 14, 2026: 4.35% APRSep 14, 2026Oct 12, 2026
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.39%
New & Used Vehicles - 60 months
4.35%
60 months
View
▼
APR4.35%
Interest Rate4.35%
Term60 months
Last UpdatedOct 9, 2026
Details

As Low As; Rate as low as

Rate History
No change since Sep 14, 2026 · 4.35% APR · checked 8 times
3.85%4.35%4.85%Sep 14, 2026: 4.35% APRSep 14, 2026Oct 12, 2026
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
New Auto Loan
4.38%
60 Months
View
▼
APR4.38%
Term60 Months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Oct 9, 2026 · 4.38% APR
3.88%4.38%4.88%Oct 9, 2026: 4.38% APROct 9, 2026Oct 12, 2026
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
New Vehicles Loan
4.38%
60 Months
View
▼
APR4.38%
Term60 Months
Last UpdatedOct 9, 2026
Details

Fixed

Rate History
No change since Sep 14, 2026 · 4.38% APR · checked 6 times
3.88%4.38%4.88%Sep 14, 2026: 4.38% APRSep 14, 2026Oct 12, 2026
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.19%
New & Used Autos
4.39%
49 - 65 Months
View
▼
APR4.39%
Term49 - 65 Months
Last UpdatedOct 8, 2026
Details

Published APR range: 4.39% -13.14%. APR*

Rate History
No change since Sep 14, 2026 · 4.39% APR · checked 10 times
3.89%4.39%4.89%Sep 14, 2026: 4.39% APRSep 14, 2026Oct 12, 2026
Southwest Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.51%
New Auto
4.39%
Up to 72 months
View
▼
APR4.39%
TermUp to 72 months
Last UpdatedOct 9, 2026
Details

As low as*

Rate History
No change since Sep 14, 2026 · 4.39% APR · checked 8 times
3.89%4.39%4.89%Sep 14, 2026: 4.39% APRSep 14, 2026Oct 12, 2026
Southwest Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.51%
Used Auto
4.39%
Up to 72 months
View
▼
APR4.39%
TermUp to 72 months
Last UpdatedOct 9, 2026
Details

As low as*

Rate History
No change since Sep 14, 2026 · 4.39% APR · checked 8 times
3.89%4.39%4.89%Sep 14, 2026: 4.39% APRSep 14, 2026Oct 12, 2026
Texas Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.06%
Used & New Auto Loan
4.39%
61-72 months
View
▼
APR4.39%
Term61-72 months
Last UpdatedOct 10, 2026
Details

As low as*; Rate: 4.39%

Rate History
No change since Oct 10, 2026 · 4.39% APR
3.89%4.39%4.89%Oct 10, 2026: 4.39% APROct 10, 2026Oct 12, 2026
Chartway Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
New Auto Loan
4.40%
1 to 48 months
View
▼
APR4.40%
Term1 to 48 months
Last UpdatedOct 7, 2026
Details

Model Year: New 2026 (6,000 miles or less); Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.

Rate History
No change since Oct 7, 2026 · 4.40% APR · checked 2 times
3.90%4.40%4.90%Oct 7, 2026: 4.40% APROct 7, 2026Oct 12, 2026
Chartway Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
Used Auto Loan
4.40%
1 to 48 months
View
▼
APR4.40%
Term1 to 48 months
Last UpdatedOct 7, 2026
Details

Model Year: Used 2026-2025; Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.

Rate History
No change since Oct 7, 2026 · 4.40% APR · checked 2 times
3.90%4.40%4.90%Oct 7, 2026: 4.40% APROct 7, 2026Oct 12, 2026
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.95%
Car Loan
4.40%
2 years
View
▼
APR4.40%
Term2 years
Last UpdatedOct 8, 2026
Details

Model Year: 2011 to 2015

Rate History
1 change since Sep 14, 2026 · 4.05% → 4.40% ▲ 0.35 pts · high 4.40% / low 4.05%
3.55%4.23%4.90%Sep 14, 2026: 4.05% APROct 8, 2026: 4.40% APRSep 14, 2026Oct 12, 2026
  • Oct 8, 20264.40%▲ from 4.05%
  • Sep 14, 20264.05%first recorded
Americas Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.52%
New and Used Auto Loans
4.40%
60-Months
View
▼
APR4.40%
Term60-Months
Last UpdatedOct 10, 2026
Details

As low as 4.40% APR

Rate History
No change since Sep 14, 2026 · 4.40% APR · checked 6 times
3.90%4.40%4.90%Sep 14, 2026: 4.40% APRSep 14, 2026Oct 12, 2026
Tyler City Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.67%
New & Used Auto 2026 to 2022 - 60 Month Term
4.40%
60 Month
View
▼
APR4.40%
Term60 Month
Last UpdatedOct 10, 2026
Details

Credit scores: 700+

Rate History
No change since Oct 10, 2026 · 4.40% APR
3.90%4.40%4.90%Oct 10, 2026: 4.40% APROct 10, 2026Oct 12, 2026
Chocolate Bayou Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.94%
Auto Loans
4.42%
Up to 72 Months
View
▼
APR4.42%
TermUp to 72 Months
Last UpdatedOct 9, 2026
Details

APR as low as

Rate History
No change since Sep 14, 2026 · 4.42% APR · checked 6 times
3.92%4.42%4.92%Sep 14, 2026: 4.42% APRSep 14, 2026Oct 12, 2026
FAA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
2025 & Newer Auto Loan
4.44%
48 Months
View
▼
APR4.44%
Interest Rate4.44%
Term48 Months
Last UpdatedOct 8, 2026
Details

Rate History
No change since Oct 8, 2026 · 4.44% APR
3.94%4.44%4.94%Oct 8, 2026: 4.44% APROct 8, 2026Oct 12, 2026
Southwest Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
New Auto
4.44%
60 Months
View
▼
APR4.44%
Term60 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 4.44% - 15.20%.

Rate History
No change since Sep 24, 2026 · 4.44% APR · checked 5 times
3.94%4.44%4.94%Sep 24, 2026: 4.44% APRSep 24, 2026Oct 12, 2026
Southwest Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
Used Auto
4.44%
48 Months
View
▼
APR4.44%
Term48 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 4.44% - 15.25%.

Rate History
No change since Sep 24, 2026 · 4.44% APR · checked 5 times
3.94%4.44%4.94%Sep 24, 2026: 4.44% APRSep 24, 2026Oct 12, 2026
Swemp Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.73%
New Autos
4.45%
Up to 84 Months
View
▼
APR4.45%
TermUp to 84 Months
Last UpdatedOct 8, 2026
Details

As Low As; Based On Credit Score And Loan Term

Rate History
No change since Sep 14, 2026 · 4.45% APR · checked 6 times
3.95%4.45%4.95%Sep 14, 2026: 4.45% APRSep 14, 2026Oct 12, 2026
Swemp Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.73%
Pre-Owned Autos
4.45%
Up to 84 Months
View
▼
APR4.45%
TermUp to 84 Months
Last UpdatedOct 8, 2026
Details

As Low As; Based On Credit Score And Loan Term

Rate History
No change since Sep 14, 2026 · 4.45% APR · checked 6 times
3.95%4.45%4.95%Sep 14, 2026: 4.45% APRSep 14, 2026Oct 12, 2026

Spofford New Auto Auto Loan Rates

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Belton Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.90%
New Vehicle Loan
1.99%
12 months
View
▼
APR1.99%
Interest Rate1.99%
Term12 months
Last UpdatedOct 10, 2026
Details

1 yr. old or newer vehicles. Pending credit approval

Rate History
No change since Sep 14, 2026 · 1.99% APR · checked 7 times
1.49%1.99%2.49%Sep 14, 2026: 1.99% APRSep 14, 2026Oct 12, 2026
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
New Vehicles Loan
2.00%
60 Months
View
▼
APR2.00%
Term60 Months
Last UpdatedOct 8, 2026
Details

As Low As; With Approved Credit

Rate History
No change since Sep 14, 2026 · 2.00% APR · checked 2 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APRSep 14, 2026Oct 12, 2026
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
New Vehicles Loan
2.25%
72 Months
View
▼
APR2.25%
Term72 Months
Last UpdatedOct 8, 2026
Details

As Low As; With Approved Credit

Rate History
No change since Sep 14, 2026 · 2.25% APR · checked 2 times
1.75%2.25%2.75%Sep 14, 2026: 2.25% APRSep 14, 2026Oct 12, 2026
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
New Vehicles, New Automobile (NA) - A+
2.95%
0-36 Months
View
▼
APR2.95%
Term0-36 Months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 17, 2026 · 2.95% APR · checked 6 times
2.45%2.95%3.45%Sep 17, 2026: 2.95% APRSep 17, 2026Oct 12, 2026
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
New vehicles Loan
2.99%
0-36 months
View
▼
APR2.99%
Term0-36 months
Last UpdatedOct 10, 2026
Details

Rates below are based on a minimum credit score of 700.

Rate History
No change since Sep 14, 2026 · 2.99% APR · checked 7 times
2.49%2.99%3.49%Sep 14, 2026: 2.99% APRSep 14, 2026Oct 12, 2026
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
New Auto
3.00%
Up to 36 months
View
▼
APR3.00%
TermUp to 36 months
Last UpdatedOct 8, 2026
Details

Rate History
No change since Sep 14, 2026 · 3.00% APR · checked 7 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APRSep 14, 2026Oct 12, 2026
Lubrizol Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.14%
New & Used Automobile
3.24%
24 months to 60 months
View
▼
APR3.24%
Term24 months to 60 months
Last UpdatedOct 9, 2026
Details

Published APR range: 3.24% - 14.49%.

Rate History
No change since Sep 14, 2026 · 3.24% APR · checked 7 times
2.74%3.24%3.74%Sep 14, 2026: 3.24% APRSep 14, 2026Oct 12, 2026
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
New Auto
3.34%
Up to 36 Months
View
▼
APR3.34%
TermUp to 36 Months
Last UpdatedOct 9, 2026
Details

Rates Effective September 18, 2026.

Rate History
No change since Sep 14, 2026 · 3.34% APR · checked 6 times
2.84%3.34%3.84%Sep 14, 2026: 3.34% APRSep 14, 2026Oct 12, 2026
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.19%
New & Used Autos
3.39%
Up to 36 Months
View
▼
APR3.39%
TermUp to 36 Months
Last UpdatedOct 8, 2026
Details

Published APR range: 3.39% - 12.95%. APR*

Rate History
No change since Sep 14, 2026 · 3.39% APR · checked 10 times
2.89%3.39%3.89%Sep 14, 2026: 3.39% APRSep 14, 2026Oct 12, 2026
Northeast Texas Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
Auto Purchase Loan Rate - New Autos
3.40%
60 months
View
▼
APR3.40%
Term60 months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Oct 9, 2026 · 3.40% APR
2.90%3.40%3.90%Oct 9, 2026: 3.40% APROct 9, 2026Oct 12, 2026
Victoria City County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.23%
New & Used Auto Loans
3.47%
36 to 72 Months
View
▼
APR3.47%
Term36 to 72 Months
Last UpdatedOct 9, 2026
Details

Published APR range: 3.47% to 18.00%.

Rate History
1 change since Sep 14, 2026 · 3.20% → 3.47% ▲ 0.27 pts · high 3.47% / low 3.20%
2.70%3.34%3.97%Sep 14, 2026: 3.20% APRSep 17, 2026: 3.47% APRSep 14, 2026Oct 12, 2026
  • Sep 17, 20263.47%▲ from 3.20%
  • Sep 14, 20263.20%first recorded
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.07%
New and Pre-Owned Autos
3.49%
12-36 Months
View
▼
APR3.49%
Term12-36 Months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
1 change since Sep 14, 2026 · 3.24% → 3.49% ▲ 0.25 pts · high 3.49% / low 3.24%
2.74%3.37%3.99%Sep 14, 2026: 3.24% APRSep 27, 2026: 3.49% APRSep 14, 2026Oct 12, 2026
  • Sep 27, 20263.49%▲ from 3.24%
  • Sep 14, 20263.24%first recorded
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.07%
New Autos
3.49%
12 - 36 months
View
▼
APR3.49%
Term12 - 36 months
Last UpdatedOct 10, 2026
Details

Rates shown include standard rate discounts.*

Rate History
1 change since Sep 18, 2026 · 3.24% → 3.49% ▲ 0.25 pts · high 3.49% / low 3.24%
2.74%3.37%3.99%Sep 18, 2026: 3.24% APRSep 27, 2026: 3.49% APRSep 18, 2026Oct 12, 2026
  • Sep 27, 20263.49%▲ from 3.24%
  • Sep 18, 20263.24%first recorded
Southern Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
New & Used Auto Loan
3.50%
Up to 24 Months
View
▼
APR3.50%
TermUp to 24 Months
Last UpdatedOct 5, 2026
Details

As low as; Published APR range: 3.50% - 15.90% depending on term (up to 84 months); rate assumes discount of up to 1.00%; APR cannot be discounted below 3.50%

Rate History
No change since Oct 5, 2026 · 3.50% APR
3.00%3.50%4.00%Oct 5, 2026: 3.50% APROct 5, 2026Oct 12, 2026
Port of Houston Warehouse Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.91%
New/Used Auto
3.61%
36 months
View
▼
APR3.61%
Term36 months
Last UpdatedOct 9, 2026
Details

Term: 36-months to 72-months; Published APR range: 3.61% to 15.96%.

Rate History
No change since Oct 5, 2026 · 3.61% APR · checked 2 times
3.11%3.61%4.11%Oct 5, 2026: 3.61% APROct 5, 2026Oct 12, 2026
Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
New Auto Loan
3.70%
up to 75 months
View
▼
APR3.70%
Termup to 75 months
Last UpdatedOct 12, 2026
Details

Rate History
No change since Sep 16, 2026 · 3.70% APR · checked 5 times
3.20%3.70%4.20%Sep 16, 2026: 3.70% APRSep 16, 2026Oct 12, 2026
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
New Autos
3.74%
Up to 36 Months
View
▼
APR3.74%
TermUp to 36 Months
Last UpdatedOct 10, 2026
Details

As Low As; Fewer than 7,500 miles

Rate History
No change since Sep 14, 2026 · 3.74% APR · checked 6 times
3.24%3.74%4.24%Sep 14, 2026: 3.74% APRSep 14, 2026Oct 12, 2026
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
New, Used, or Refinanced Vehicles
3.74%
36-month
View
▼
APR3.74%
Term36-month
Last UpdatedOct 10, 2026
Details

As Low As; No payments for 90 days. A $30,000 loan with a 36-month term at 3.74% APR equals a $936.19 monthly. Your monthly payment includes principal and interest and may be higher or lower depending on your loan amount, APR and term. Payment also includes monthly premium for Payment Protection which includes Credit Life and Disability Insurance. Credit Life and Disability Insurance is not required. Other rates and terms available. May not be combined with other offers. All loans and rates are subject to approval and some restrictions may apply. All loans closed directly at the dealership must be pre-approved at the credit union and closed at the pre-approved rate to qualify for the rate discount. Subject to mileage and vehicle age limitations. A vehicle is considered new when the model is current calendar year, next year so long as the mileage does not exceed 7,500 miles. CRCU finances up to 120% of MSRP (new vehicles) or the NADA Retail value (used vehicles). Maximum loan to value (LTV) is 120% including tax, license and fees. Maximum LTV is subject to approval and certain restrictions may apply. Not available to refinance an existing CRCU auto loan. The minimum approved loan amount is $500.00. Payment will not be required during the deferred period for the first 90 days. Interest will accrue during the deferment period. Must be 2024 model year or newer.

Rate History
No change since Oct 10, 2026 · 3.74% APR
3.24%3.74%4.24%Oct 10, 2026: 3.74% APROct 10, 2026Oct 12, 2026
USE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
New & Used Autos
3.74%
Up to 36 months
View
▼
APR3.74%
TermUp to 36 months
Last UpdatedOct 12, 2026
Details

As low as; *

Rate History
1 change since Sep 16, 2026 · 3.49% → 3.74% ▲ 0.25 pts · high 3.74% / low 3.49%
2.99%3.62%4.24%Sep 16, 2026: 3.49% APROct 4, 2026: 3.74% APRSep 16, 2026Oct 12, 2026
  • Oct 4, 20263.74%▲ from 3.49%
  • Sep 16, 20263.49%first recorded
Brazos Star Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
New or used Vehicles up to three years old, and Loan
3.75%
Up to 36 Months
View
▼
APR3.75%
TermUp to 36 Months
Last UpdatedOct 9, 2026
Details

As low as

Rate History
No change since Sep 14, 2026 · 3.75% APR · checked 7 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APRSep 14, 2026Oct 12, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.31%
Auto Loans - 2025 & Newer
3.84%
0 - 36 Months
View
▼
APR3.84%
Term0 - 36 Months
Last UpdatedOct 10, 2026
Details

As Low As; Loan Term

Rate History
2 changes since Sep 14, 2026 · 3.49% → 3.84% ▲ 0.35 pts · high 3.84% / low 3.49%
2.99%3.67%4.34%Sep 14, 2026: 3.49% APRSep 18, 2026: 3.64% APROct 10, 2026: 3.84% APRSep 14, 2026Oct 12, 2026
  • Oct 10, 20263.84%▲ from 3.64%
  • Sep 18, 20263.64%▲ from 3.49%
  • Sep 14, 20263.49%first recorded
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.19%
New & Used Autos
3.89%
37-48 Months
View
▼
APR3.89%
Term37-48 Months
Last UpdatedOct 8, 2026
Details

Published APR range: 3.89% - 12.95%. APR*

Rate History
No change since Sep 14, 2026 · 3.89% APR · checked 10 times
3.39%3.89%4.39%Sep 14, 2026: 3.89% APRSep 14, 2026Oct 12, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Auto Loan
3.89%
12-36 Months
View
▼
APR3.89%
Term12-36 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 3.89% APR · checked 4 times
3.39%3.89%4.39%Sep 30, 2026: 3.89% APRSep 30, 2026Oct 12, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Vehicle Loan
3.89%
up to 36 months
View
▼
APR3.89%
Termup to 36 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 3.89% APR · checked 4 times
3.39%3.89%4.39%Sep 30, 2026: 3.89% APRSep 30, 2026Oct 12, 2026
Northeast Texas Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
Auto Purchase Loan Rate - New Autos
3.90%
72 months
View
▼
APR3.90%
Term72 months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Oct 9, 2026 · 3.90% APR
3.40%3.90%4.40%Oct 9, 2026: 3.90% APROct 9, 2026Oct 12, 2026
Southwest Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
New Auto
3.94%
Up to 36 Months
View
▼
APR3.94%
TermUp to 36 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 3.94% - 14.00%. 100% Financing**

Rate History
No change since Sep 24, 2026 · 3.94% APR · checked 5 times
3.44%3.94%4.44%Sep 24, 2026: 3.94% APRSep 24, 2026Oct 12, 2026
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
New Vehicles, New Automobile (NA) - A (720-799)
3.95%
0-36 Months
View
▼
APR3.95%
Term0-36 Months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Oct 9, 2026 · 3.95% APR
3.45%3.95%4.45%Oct 9, 2026: 3.95% APROct 9, 2026Oct 12, 2026
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
New Vehicles, New Automobile (NA) - A+
3.95%
37-60 Months
View
▼
APR3.95%
Term37-60 Months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 17, 2026 · 3.95% APR · checked 6 times
3.45%3.95%4.45%Sep 17, 2026: 3.95% APRSep 17, 2026Oct 12, 2026
Tyler City Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.67%
New & Used Auto 2022 - 2026
3.95%
Up to 60 months
View
▼
APR3.95%
TermUp to 60 months
Last UpdatedOct 10, 2026
Details

Rate History
No change since Sep 14, 2026 · 3.95% APR · checked 5 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APRSep 14, 2026Oct 12, 2026
United Heritage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.63%
New/Used Auto Loan
3.99%
0 to 36 Months
View
▼
APR3.99%
Term0 to 36 Months
Last UpdatedOct 1, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 5 times
3.49%3.99%4.49%Sep 14, 2026: 3.99% APRSep 14, 2026Oct 12, 2026
Secured Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
New Auto Loan
3.99%
Up to 84 months
View
▼
APR3.99%
TermUp to 84 months
Last UpdatedOct 9, 2026
Details

As Low As; Rates and terms are subject to credit approval and may vary based on credit history, loan term, vehicle year, mileage, loan-to-value, and how/when the vehicle has been titled. Rates are effective as of 1/1/2026 and subject to change without notice.

Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 8 times
3.49%3.99%4.49%Sep 14, 2026: 3.99% APRSep 14, 2026Oct 12, 2026
Rockdale Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
New Vehicles
3.99%
Up to 84 Months
View
▼
APR3.99%
Interest Rate3.99%
TermUp to 84 Months
Last UpdatedOct 9, 2026
Details

Rate Range: 3.99% _ 5.94%; Rate**: 5.94%

Rate History
1 change since Sep 17, 2026 · 5.94% → 3.99% ▼ 1.95 pts · high 5.94% / low 3.99%
2.04%4.97%7.89%Sep 17, 2026: 5.94% APROct 9, 2026: 3.99% APRSep 17, 2026Oct 12, 2026
  • Oct 9, 20263.99%▼ from 5.94%
  • Sep 17, 20265.94%first recorded
Rockdale Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
New Vehicles
3.99%
Up to 72 Months
View
▼
APR3.99%
Interest Rate3.99%
TermUp to 72 Months
Last UpdatedOct 9, 2026
Details

Rate Range: 3.99% _ 5.94%; Rate**: 5.49%

Rate History
1 change since Sep 17, 2026 · 5.49% → 3.99% ▼ 1.50 pts · high 5.49% / low 3.99%
2.49%4.74%6.99%Sep 17, 2026: 5.49% APROct 9, 2026: 3.99% APRSep 17, 2026Oct 12, 2026
  • Oct 9, 20263.99%▼ from 5.49%
  • Sep 17, 20265.49%first recorded
Rockdale Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
New Vehicles
3.99%
Up to 36 Months
View
▼
APR3.99%
Interest Rate3.99%
TermUp to 36 Months
Last UpdatedOct 9, 2026
Details

Rate Range: 3.99% _ 5.94%; Rate**: 3.99%

Rate History
No change since Sep 17, 2026 · 3.99% APR · checked 7 times
3.49%3.99%4.49%Sep 17, 2026: 3.99% APRSep 17, 2026Oct 12, 2026
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
NEW Auto Loan
3.99%
Up to 36 months
View
▼
APR3.99%
TermUp to 36 months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
1 change since Sep 14, 2026 · 4.40% → 3.99% ▼ 0.41 pts · high 4.40% / low 3.99%
3.49%4.20%4.90%Sep 14, 2026: 4.40% APROct 5, 2026: 3.99% APRSep 14, 2026Oct 12, 2026
  • Oct 5, 20263.99%▼ from 4.40%
  • Sep 14, 20264.40%first recorded
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.16%
New Auto Loan
3.99%
36 months
View
▼
APR3.99%
Term36 months
Last UpdatedOct 9, 2026
Details

Starting as low as 3.99%; Qualifying rate - Conditions apply

Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 8 times
3.49%3.99%4.49%Sep 14, 2026: 3.99% APRSep 14, 2026Oct 12, 2026
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.24%
New and Used Other Vehicle Loans
3.99%
Up to 12 months
View
▼
APR3.99%
TermUp to 12 months
Last UpdatedOct 9, 2026
Details

Published APR range: 3.99% to 16.19%.

Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 4 times
3.49%3.99%4.49%Sep 18, 2026: 3.99% APRSep 18, 2026Oct 12, 2026
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.24%
New and Used Other Vehicle Loans
3.99%
24 months
View
▼
APR3.99%
Term24 months
Last UpdatedOct 9, 2026
Details

Published APR range: 3.99% to 16.19%.

Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 4 times
3.49%3.99%4.49%Sep 18, 2026: 3.99% APRSep 18, 2026Oct 12, 2026
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.24%
New and Used Other Vehicle Loans
3.99%
36 months
View
▼
APR3.99%
Term36 months
Last UpdatedOct 9, 2026
Details

Published APR range: 3.99% to 16.19%.

Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 4 times
3.49%3.99%4.49%Sep 18, 2026: 3.99% APRSep 18, 2026Oct 12, 2026
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.24%
New and Used Other Vehicle Loans
3.99%
48 months
View
▼
APR3.99%
Term48 months
Last UpdatedOct 9, 2026
Details

Published APR range: 3.99% to 16.19%.

Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 4 times
3.49%3.99%4.49%Sep 18, 2026: 3.99% APRSep 18, 2026Oct 12, 2026
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.24%
New and Used Other Vehicle Loans
3.99%
60 months
View
▼
APR3.99%
Term60 months
Last UpdatedOct 9, 2026
Details

Published APR range: 3.99% to 16.19%.

Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 4 times
3.49%3.99%4.49%Sep 18, 2026: 3.99% APRSep 18, 2026Oct 12, 2026
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
NEW Autos - Up to 36 Months
3.99%
36 months
View
▼
APR3.99%
Term36 months
Last UpdatedOct 9, 2026
Details

Published APR range: 3.99% - 13.00%. As Low As; Rates as low as 3.99% - 13.00%

Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 5 times
3.49%3.99%4.49%Sep 14, 2026: 3.99% APRSep 14, 2026Oct 12, 2026
United Energy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
New/Used Auto (up to 5 years old)
3.99%
60 Months
View
▼
APR3.99%
Term60 Months
Last UpdatedOct 10, 2026
Details

80% Financing MSRP or NADA Retail (20% down)

Rate History
No change since Sep 22, 2026 · 3.99% APR · checked 4 times
3.49%3.99%4.49%Sep 22, 2026: 3.99% APRSep 22, 2026Oct 12, 2026
Prestige Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
New Vehicle Loan (Car / Truck / SUV)
3.99%
Up to 36 Months
View
▼
APR3.99%
TermUp to 36 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 3.99% - 18.00%.

Rate History
No change since Oct 10, 2026 · 3.99% APR
3.49%3.99%4.49%Oct 10, 2026: 3.99% APROct 10, 2026Oct 12, 2026
Prestige Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
New Vehicle Loan (Car / Truck / SUV)
3.99%
Up to 48 Months
View
▼
APR3.99%
TermUp to 48 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 3.99% - 18.00%.

Rate History
No change since Oct 10, 2026 · 3.99% APR
3.49%3.99%4.49%Oct 10, 2026: 3.99% APROct 10, 2026Oct 12, 2026
Prestige Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
New Vehicle Loan (Car / Truck / SUV)
3.99%
Up to 60 Months
View
▼
APR3.99%
TermUp to 60 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 3.99% - 18.00%.

Rate History
No change since Oct 10, 2026 · 3.99% APR
3.49%3.99%4.49%Oct 10, 2026: 3.99% APROct 10, 2026Oct 12, 2026
Travis County Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.45%
Motor Vehicle New and Used Loan
3.99%
48 months
View
▼
APR3.99%
Term48 months
Last UpdatedOct 10, 2026
Details

Published APR range: 3.99% to 17.74%. Max Loan: 110% of price

Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 5 times
3.49%3.99%4.49%Sep 18, 2026: 3.99% APRSep 18, 2026Oct 12, 2026
Travis County Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.45%
Motor Vehicle New and Used Loan
3.99%
36 months
View
▼
APR3.99%
Term36 months
Last UpdatedOct 10, 2026
Details

Published APR range: 3.99% to 17.74%. Max Loan: 110% of price

Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 5 times
3.49%3.99%4.49%Sep 18, 2026: 3.99% APRSep 18, 2026Oct 12, 2026
Houston Highway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
New Vehicle Loan
3.99%
24 - 72+ Months
View
▼
APR3.99%
Term24 - 72+ Months
Last UpdatedOct 10, 2026
Details

Published APR range: 3.99% - 18.00%.

Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 6 times
3.49%3.99%4.49%Sep 14, 2026: 3.99% APRSep 14, 2026Oct 12, 2026
Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
New Auto
3.99%
36-month
View
▼
APR3.99%
Term36-month
Last UpdatedOct 10, 2026
Details

As Low As; Estimated Payment:

Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 6 times
3.49%3.99%4.49%Sep 14, 2026: 3.99% APRSep 14, 2026Oct 12, 2026
InvesTex Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
New and Used Auto Loan
3.99%
Up to 36 Months
View
▼
APR3.99%
TermUp to 36 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 3.99% - 11.24%.

Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 2 times
3.49%3.99%4.49%Sep 14, 2026: 3.99% APRSep 14, 2026Oct 12, 2026
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
New vehicles Loan
3.99%
37-48 months
View
▼
APR3.99%
Term37-48 months
Last UpdatedOct 10, 2026
Details

Rates below are based on a minimum credit score of 700.

Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 7 times
3.49%3.99%4.49%Sep 14, 2026: 3.99% APRSep 14, 2026Oct 12, 2026
Texasgulf Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
New or used vehicle Loan
3.99%
up to 36 months
View
▼
APR3.99%
Termup to 36 months
Last UpdatedOct 12, 2026
Details

As Low As; New or used vehicle

Rate History
No change since Sep 16, 2026 · 3.99% APR · checked 5 times
3.49%3.99%4.49%Sep 16, 2026: 3.99% APRSep 16, 2026Oct 12, 2026
Sabine Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
New or Used Autos or Harley Davidson Motorcycles (36 months or less)
4.00%
36 months
View
▼
APR4.00%
Term36 months
Last UpdatedOct 8, 2026
Details

APR range: 4.00% - 14.00% APR*

Rate History
No change since Sep 17, 2026 · 4.00% APR · checked 2 times
3.50%4.00%4.50%Sep 17, 2026: 4.00% APRSep 17, 2026Oct 12, 2026
Temple Inland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.36%
New & Used Auto
4.00%
36-60 months
View
▼
APR4.00%
Term36-60 months
Last UpdatedOct 8, 2026
Details

Tier 1 750-up

Rate History
No change since Sep 14, 2026 · 4.00% APR · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APRSep 14, 2026Oct 12, 2026
Temple Inland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.36%
New & Used Auto
4.00%
61-75 months
View
▼
APR4.00%
Term61-75 months
Last UpdatedOct 8, 2026
Details

Tier 1 750-up

Rate History
No change since Sep 14, 2026 · 4.00% APR · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APRSep 14, 2026Oct 12, 2026
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.68%
New Automobiles & Light Trucks
4.00%
36 months
View
▼
APR4.00%
Term36 months
Last UpdatedOct 8, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.00% APR · checked 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APRSep 14, 2026Oct 12, 2026
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
New/Used Vehicles - 24 Mo. Loan
4.00%
24 months
View
▼
APR4.00%
Term24 months
Last UpdatedOct 9, 2026
Details

Credit Score: 730+; Grade of Paper: A+

Rate History
No change since Sep 14, 2026 · 4.00% APR · checked 5 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APRSep 14, 2026Oct 12, 2026
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
New/Used Vehicles - 36 Mo. Loan
4.00%
36 months
View
▼
APR4.00%
Term36 months
Last UpdatedOct 9, 2026
Details

Credit Score: 730+; Grade of Paper: A+

Rate History
No change since Sep 14, 2026 · 4.00% APR · checked 5 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APRSep 14, 2026Oct 12, 2026
Local 20 IBEW Federal Credit Union
Institution Rating:
D3.1 ★ Texas Ratio: 25.11%
New Vehicle Loan
4.00%
Up to 72 months
View
▼
APR4.00%
TermUp to 72 months
Last UpdatedOct 9, 2026
Details

New vehicle loan term cannot exceed 72 months from the Vehicle In-Service Date. The maximum loan term, not to exceed 72 months, is reserved to the judgment of the acting loan officer based on the type of vehicle and the credit-worthiness of the applicant.

Rate History
No change since Oct 5, 2026 · 4.00% APR · checked 2 times
3.50%4.00%4.50%Oct 5, 2026: 4.00% APROct 5, 2026Oct 12, 2026
Education First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.82%
New and Used Vehicle Loan
4.00%
36 Months
View
▼
APR4.00%
Term36 Months
Last UpdatedOct 9, 2026
Details

APR = Annual Percentage Rate. The APR shown reflects our best rate including discounts and may be different based on credit underwriting or services used. All rates are subject to change without notice.

Rate History
No change since Oct 5, 2026 · 4.00% APR · checked 2 times
3.50%4.00%4.50%Oct 5, 2026: 4.00% APROct 5, 2026Oct 12, 2026
Gulf Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
New & Used Autos
4.00%
36 months
View
▼
APR4.00%
Term36 months
Last UpdatedOct 9, 2026
Details

As low as

Rate History
No change since Sep 14, 2026 · 4.00% APR · checked 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APRSep 14, 2026Oct 12, 2026
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
New Auto Loan
4.00%
24 Months
View
▼
APR4.00%
Term24 Months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Oct 9, 2026 · 4.00% APR
3.50%4.00%4.50%Oct 9, 2026: 4.00% APROct 9, 2026Oct 12, 2026
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
New Vehicles Loan
4.00%
24 Months
View
▼
APR4.00%
Term24 Months
Last UpdatedOct 9, 2026
Details

Fixed

Rate History
No change since Sep 14, 2026 · 4.00% APR · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APRSep 14, 2026Oct 12, 2026
Concho Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.62%
New Auto
4.00%
36 months
View
▼
APR4.00%
Term36 months
Last UpdatedOct 10, 2026
Details

As low as; Maximum Loan: 100%

Rate History
No change since Sep 14, 2026 · 4.00% APR · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APRSep 14, 2026Oct 12, 2026
Concho Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.62%
New Auto
4.00%
48 months
View
▼
APR4.00%
Term48 months
Last UpdatedOct 10, 2026
Details

As low as; Maximum Loan: 100%

Rate History
1 change since Sep 14, 2026 · 4.50% → 4.00% ▼ 0.50 pts · high 4.50% / low 4.00%
3.50%4.25%5.00%Sep 14, 2026: 4.50% APROct 1, 2026: 4.00% APRSep 14, 2026Oct 12, 2026
  • Oct 1, 20264.00%▼ from 4.50%
  • Sep 14, 20264.50%first recorded
Service 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
New Vehicle
4.00%
up to 94 months
View
▼
APR4.00%
Interest Rate4.00%
Termup to 94 months
Last UpdatedOct 10, 2026
Details

Published rate range: 4.00% to 12.00%.

Rate History
No change since Sep 14, 2026 · 4.00% APR · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APRSep 14, 2026Oct 12, 2026
Southern Star Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.70%
New Auto Loan
4.00%
Up to 36 Months
View
▼
APR4.00%
TermUp to 36 Months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 14, 2026 · 4.00% APR · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APRSep 14, 2026Oct 12, 2026
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
New Cars and Trucks Loan
4.00%
36 Months
View
▼
APR4.00%
Interest Rate4.00%
Term36 Months
Last UpdatedOct 12, 2026
Details

Final rates are determined based on credit score and other factors.

Rate History
No change since Sep 16, 2026 · 4.00% APR · checked 4 times
3.50%4.00%4.50%Sep 16, 2026: 4.00% APRSep 16, 2026Oct 12, 2026
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.36%
New & Used Auto Loan
4.05%
Up to 36 Months
View
▼
APR4.05%
TermUp to 36 Months
Last UpdatedOct 12, 2026
Details

As Low As; Model Year: 2019-2025

Rate History
No change since Sep 16, 2026 · 4.05% APR · checked 3 times
3.55%4.05%4.55%Sep 16, 2026: 4.05% APRSep 16, 2026Oct 12, 2026
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
New Auto
4.09%
Up to 60 months
View
▼
APR4.09%
TermUp to 60 months
Last UpdatedOct 9, 2026
Details

Rates Effective September 18, 2026.

Rate History
No change since Sep 14, 2026 · 4.09% APR · checked 6 times
3.59%4.09%4.59%Sep 14, 2026: 4.09% APRSep 14, 2026Oct 12, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Business Vehicle Loan
4.09%
Up to 36 months
View
▼
APR4.09%
TermUp to 36 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 30, 2026 · 4.09% APR · checked 4 times
3.59%4.09%4.59%Sep 30, 2026: 4.09% APRSep 30, 2026Oct 12, 2026
Mesquite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
New and Used Vehicles Loan
4.10%
Up to 72 Months
View
▼
APR4.10%
TermUp to 72 Months
Last UpdatedOct 10, 2026
Details

As Low As; *

Rate History
No change since Sep 14, 2026 · 4.10% APR · checked 6 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APRSep 14, 2026Oct 12, 2026
Mesquite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
New and Used Vehicles Loan
4.10%
84 months
View
▼
APR4.10%
Term84 months
Last UpdatedOct 10, 2026
Details

As Low As; Rate discounts for having Direct Deposit, Automatic payment transfer, GAP coverage, Warranty or Credit Life/Disability Insurance.

Rate History
No change since Sep 18, 2026 · 4.10% APR · checked 5 times
3.60%4.10%4.60%Sep 18, 2026: 4.10% APRSep 18, 2026Oct 12, 2026
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
New Auto Loan
4.12%
36 Months
View
▼
APR4.12%
Term36 Months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Oct 9, 2026 · 4.13% APR
3.63%4.13%4.63%Oct 9, 2026: 4.13% APROct 9, 2026Oct 12, 2026
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
New Vehicles Loan
4.12%
36 Months
View
▼
APR4.12%
Term36 Months
Last UpdatedOct 9, 2026
Details

Fixed

Rate History
No change since Sep 14, 2026 · 4.13% APR · checked 6 times
3.63%4.13%4.63%Sep 14, 2026: 4.13% APRSep 14, 2026Oct 12, 2026
Memorial Credit Union Houston, TX
Institution Rating:
A+5.0 ★ Texas Ratio: 4.51%
New Autos
4.14%
Up to 84 Months
View
▼
APR4.14%
TermUp to 84 Months
Last UpdatedOct 9, 2026
Details

As Low As; (Based On credit score, loan term, and relationship discounts)

Rate History
No change since Sep 14, 2026 · 4.14% APR · checked 4 times
3.64%4.14%4.64%Sep 14, 2026: 4.14% APRSep 14, 2026Oct 12, 2026
Temple Inland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.36%
New & Used Auto
4.15%
36-60 months
View
▼
APR4.15%
Term36-60 months
Last UpdatedOct 8, 2026
Details

Tier 2 700-749

Rate History
No change since Sep 14, 2026 · 4.15% APR · checked 6 times
3.65%4.15%4.65%Sep 14, 2026: 4.15% APRSep 14, 2026Oct 12, 2026
Temple Inland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.36%
New & Used Auto
4.15%
61-75 months
View
▼
APR4.15%
Term61-75 months
Last UpdatedOct 8, 2026
Details

Tier 2 700-749

Rate History
No change since Sep 14, 2026 · 4.15% APR · checked 6 times
3.65%4.15%4.65%Sep 14, 2026: 4.15% APRSep 14, 2026Oct 12, 2026
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.97%
New Auto Loans - Cars and Light Trucks
4.15%
1 - 84 months
View
▼
APR4.15%
Term1 - 84 months
Last UpdatedOct 8, 2026
Details

Published APR range: 4.15% to 15.40%. Model Year(s): 2026

Rate History
No change since Oct 8, 2026 · 4.15% APR
3.65%4.15%4.65%Oct 8, 2026: 4.15% APROct 8, 2026Oct 12, 2026
FAA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
2025 & Newer Auto Loan
4.19%
36 Months
View
▼
APR4.19%
Interest Rate4.19%
Term36 Months
Last UpdatedOct 8, 2026
Details

Rate History
No change since Oct 8, 2026 · 4.19% APR
3.69%4.19%4.69%Oct 8, 2026: 4.19% APROct 8, 2026Oct 12, 2026
Southwest Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
New Auto
4.19%
48 Months
View
▼
APR4.19%
Term48 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 4.19% - 15.00%.

Rate History
No change since Sep 24, 2026 · 4.19% APR · checked 5 times
3.69%4.19%4.69%Sep 24, 2026: 4.19% APRSep 24, 2026Oct 12, 2026
Pinnacle Federal Credit Union
New Vehicle Loans
4.24%
6 - 35 Months
View
▼
APR4.24%
Term6 - 35 Months
Last UpdatedSep 25, 2026
Details

As Low As; *

Rate History
No change since Sep 14, 2026 · 4.24% APR · checked 3 times
3.74%4.24%4.74%Sep 14, 2026: 4.24% APRSep 14, 2026Oct 12, 2026
Texas Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.06%
Used & New Auto Loan
4.24%
0-36 months
View
▼
APR4.24%
Term0-36 months
Last UpdatedOct 10, 2026
Details

As low as*; Rate: 4.24%

Rate History
No change since Oct 10, 2026 · 4.24% APR
3.74%4.24%4.74%Oct 10, 2026: 4.24% APROct 10, 2026Oct 12, 2026
Texas Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.06%
Used & New Auto Loan
4.24%
37-48 months
View
▼
APR4.24%
Term37-48 months
Last UpdatedOct 10, 2026
Details

As low as*; Rate: 4.24%

Rate History
No change since Oct 10, 2026 · 4.24% APR
3.74%4.24%4.74%Oct 10, 2026: 4.24% APROct 10, 2026Oct 12, 2026
Texas Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.06%
Used & New Auto Loan
4.24%
49-60 months
View
▼
APR4.24%
Term49-60 months
Last UpdatedOct 10, 2026
Details

As low as*; Rate: 4.24%

Rate History
No change since Oct 10, 2026 · 4.24% APR
3.74%4.24%4.74%Oct 10, 2026: 4.24% APROct 10, 2026Oct 12, 2026
Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
New Auto
4.24%
60-month
View
▼
APR4.24%
Term60-month
Last UpdatedOct 10, 2026
Details

As Low As; Estimated Payment:

Rate History
No change since Sep 14, 2026 · 4.24% APR · checked 6 times
3.74%4.24%4.74%Sep 14, 2026: 4.24% APRSep 14, 2026Oct 12, 2026
FIRST EAGLE
Institution Rating:
A+5.0 ★ Texas Ratio: 3.56%
New Auto
4.24%
36 Months
View
▼
APR4.24%
Term36 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Oct 10, 2026 · 4.24% APR
3.74%4.24%4.74%Oct 10, 2026: 4.24% APROct 10, 2026Oct 12, 2026
Sabine Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
New Auto
4.25%
60 months
View
▼
APR4.25%
Term60 months
Last UpdatedOct 8, 2026
Details

Monthly payment amount approximately $18.56 on $1,000 for 60 months at 4.25% APR.

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 6 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 12, 2026
Sabine Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
New or Used Autos or Harley Davidson Motorcycles (48 months or less)
4.25%
48 months
View
▼
APR4.25%
Term48 months
Last UpdatedOct 8, 2026
Details

APR range: 4.25% - 14.25% APR*

Rate History
No change since Sep 17, 2026 · 4.25% APR · checked 2 times
3.75%4.25%4.75%Sep 17, 2026: 4.25% APRSep 17, 2026Oct 12, 2026
Sabine Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
New or Used Autos or Harley Davidson Motorcycles (60 months or less)
4.25%
60 months
View
▼
APR4.25%
Term60 months
Last UpdatedOct 8, 2026
Details

APR range: 4.25% - 14.25% APR*

Rate History
No change since Sep 17, 2026 · 4.25% APR · checked 2 times
3.75%4.25%4.75%Sep 17, 2026: 4.25% APRSep 17, 2026Oct 12, 2026
Temple Inland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.36%
New & Used Auto
4.25%
78-84 months
View
▼
APR4.25%
Term78-84 months
Last UpdatedOct 8, 2026
Details

Tier 1 750-up

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 6 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 12, 2026
Port Arthur Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.56%
New Car Loan
4.25%
up to 60 month
View
▼
APR4.25%
Termup to 60 month
Last UpdatedOct 8, 2026
Details

Term: up to 60 month financing available

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 14, 2026: 4.00% APROct 8, 2026: 4.25% APRSep 14, 2026Oct 12, 2026
  • Oct 8, 20264.25%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Cy-Fair Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.93%
New & Used Auto
4.25%
36 to 84 Months
View
▼
APR4.25%
Term36 to 84 Months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 9 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 12, 2026
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
New/Used Vehicles - 48 Mo. Loan
4.25%
48 months
View
▼
APR4.25%
Term48 months
Last UpdatedOct 9, 2026
Details

Credit Score: 730+; Grade of Paper: A+

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 5 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 12, 2026
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.70%
New Automobile Loan
4.25%
Up to 36 Months
View
▼
APR4.25%
TermUp to 36 Months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 5 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 12, 2026
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.16%
New Auto Loan
4.25%
48 months
View
▼
APR4.25%
Term48 months
Last UpdatedOct 9, 2026
Details

Starting as low as 4.25%; Qualifying rate - Conditions apply

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 8 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 12, 2026
Education First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.82%
New and Used Vehicle Loan
4.25%
48 Months
View
▼
APR4.25%
Term48 Months
Last UpdatedOct 9, 2026
Details

APR = Annual Percentage Rate. The APR shown reflects our best rate including discounts and may be different based on credit underwriting or services used. All rates are subject to change without notice.

Rate History
No change since Oct 5, 2026 · 4.25% APR · checked 2 times
3.75%4.25%4.75%Oct 5, 2026: 4.25% APROct 5, 2026Oct 12, 2026
Gulf Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
New & Used Autos
4.25%
48 months
View
▼
APR4.25%
Term48 months
Last UpdatedOct 9, 2026
Details

As low as

Rate History
No change since Sep 18, 2026 · 4.25% APR · checked 6 times
3.75%4.25%4.75%Sep 18, 2026: 4.25% APRSep 18, 2026Oct 12, 2026
Gulf Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
New & Used Autos
4.25%
60 months
View
▼
APR4.25%
Term60 months
Last UpdatedOct 9, 2026
Details

As low as

Rate History
No change since Sep 18, 2026 · 4.25% APR · checked 6 times
3.75%4.25%4.75%Sep 18, 2026: 4.25% APRSep 18, 2026Oct 12, 2026
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
NEW Autos - Up to 48 Months
4.25%
48 months
View
▼
APR4.25%
Term48 months
Last UpdatedOct 9, 2026
Details

Published APR range: 4.25% - 13.49%. As Low As; Rates as low as 4.25% - 13.49%

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 5 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 12, 2026
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
New Auto Loan
4.25%
48 Months
View
▼
APR4.25%
Term48 Months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Oct 9, 2026 · 4.25% APR
3.75%4.25%4.75%Oct 9, 2026: 4.25% APROct 9, 2026Oct 12, 2026
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
New Vehicles Loan
4.25%
48 Months
View
▼
APR4.25%
Term48 Months
Last UpdatedOct 9, 2026
Details

Fixed

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 6 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 12, 2026
Brazos Star Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
New or used Vehicles up to three years old, and Loan
4.25%
48 to 59 Months
View
▼
APR4.25%
Term48 to 59 Months
Last UpdatedOct 9, 2026
Details

As low as

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 7 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 12, 2026
Southern Star Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.70%
New Auto Loan
4.25%
Up to 48 Months
View
▼
APR4.25%
TermUp to 48 Months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 6 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 12, 2026
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
New Auto Loans
4.25%
0-24 months
View
▼
APR4.25%
Term0-24 months
Last UpdatedOct 10, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 6 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 12, 2026
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
New Auto Loans
4.25%
25-36 months
View
▼
APR4.25%
Term25-36 months
Last UpdatedOct 10, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 6 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 12, 2026
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
New Auto Loans
4.25%
37-48 months
View
▼
APR4.25%
Term37-48 months
Last UpdatedOct 10, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 6 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 12, 2026
The Peoples Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.80%
New & Used Vehicles Loan
4.29%
3 years
View
▼
APR4.29%
Term3 years
Last UpdatedOct 8, 2026
Details

As low as; *Rate includes both discounts

Rate History
No change since Sep 14, 2026 · 4.29% APR · checked 5 times
3.79%4.29%4.79%Sep 14, 2026: 4.29% APRSep 14, 2026Oct 12, 2026
The Peoples Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.80%
New & Used Vehicles Loan
4.29%
4 years
View
▼
APR4.29%
Term4 years
Last UpdatedOct 8, 2026
Details

*Rate includes both discounts

Rate History
No change since Sep 14, 2026 · 4.29% APR · checked 5 times
3.79%4.29%4.79%Sep 14, 2026: 4.29% APRSep 14, 2026Oct 12, 2026
First Watch Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
NEW AUTOMOBILE LOANS 2025-2024
4.29%
Up to 84 months
View
▼
APR4.29%
TermUp to 84 months
Last UpdatedOct 9, 2026
Details

Published APR range: 4.29% - 17.99%. Down Payment: as low as 0%

Rate History
No change since Oct 9, 2026 · 4.29% APR
3.79%4.29%4.79%Oct 9, 2026: 4.29% APROct 9, 2026Oct 12, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Auto Loan
4.29%
37-60 Months
View
▼
APR4.29%
Term37-60 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 4.29% APR · checked 4 times
3.79%4.29%4.79%Sep 30, 2026: 4.29% APRSep 30, 2026Oct 12, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Vehicle Loan
4.29%
37-60 months
View
▼
APR4.29%
Term37-60 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 4.29% APR · checked 4 times
3.79%4.29%4.79%Sep 30, 2026: 4.29% APRSep 30, 2026Oct 12, 2026
Methodist Hospital Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
New Vehicles New and 1 Year Old Loan
4.32%
1 Year
View
▼
APR4.32%
Term1 Year
Last UpdatedOct 8, 2026
Details

Additional APR listed for this product: 4.62%, 4.92%, 5.12%, 5.62%. As Low as; Rates are determined by the overall credit worthiness of each applicant, with the exception of CU QuikCash. ALL RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE.

Rate History
No change since Sep 20, 2026 · 4.32% APR · checked 4 times
3.82%4.32%4.82%Sep 20, 2026: 4.32% APRSep 20, 2026Oct 12, 2026
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.85%
New Auto Loans (0-2 years old with few than 36,000 miles) - 54 months or Less
4.34%
54 months
View
▼
APR4.34%
Term54 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Oct 10, 2026 · 4.34% APR
3.84%4.34%4.84%Oct 10, 2026: 4.34% APROct 10, 2026Oct 12, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.31%
Auto Loans - 2025 & Newer
4.34%
37 - 75 Months
View
▼
APR4.34%
Term37 - 75 Months
Last UpdatedOct 10, 2026
Details

As Low As; Loan Term

Rate History
2 changes since Sep 14, 2026 · 3.89% → 4.34% ▲ 0.45 pts · high 4.34% / low 3.89%
3.39%4.12%4.84%Sep 14, 2026: 3.89% APRSep 18, 2026: 4.14% APROct 10, 2026: 4.34% APRSep 14, 2026Oct 12, 2026
  • Oct 10, 20264.34%▲ from 4.14%
  • Sep 18, 20264.14%▲ from 3.89%
  • Sep 14, 20263.89%first recorded
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.39%
New & Used Vehicles - 60 months
4.35%
60 months
View
▼
APR4.35%
Interest Rate4.35%
Term60 months
Last UpdatedOct 9, 2026
Details

As Low As; Rate as low as

Rate History
No change since Sep 14, 2026 · 4.35% APR · checked 8 times
3.85%4.35%4.85%Sep 14, 2026: 4.35% APRSep 14, 2026Oct 12, 2026
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
New Auto Loan
4.38%
60 Months
View
▼
APR4.38%
Term60 Months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Oct 9, 2026 · 4.38% APR
3.88%4.38%4.88%Oct 9, 2026: 4.38% APROct 9, 2026Oct 12, 2026
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
New Vehicles Loan
4.38%
60 Months
View
▼
APR4.38%
Term60 Months
Last UpdatedOct 9, 2026
Details

Fixed

Rate History
No change since Sep 14, 2026 · 4.38% APR · checked 6 times
3.88%4.38%4.88%Sep 14, 2026: 4.38% APRSep 14, 2026Oct 12, 2026
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.19%
New & Used Autos
4.39%
49 - 65 Months
View
▼
APR4.39%
Term49 - 65 Months
Last UpdatedOct 8, 2026
Details

Published APR range: 4.39% -13.14%. APR*

Rate History
No change since Sep 14, 2026 · 4.39% APR · checked 10 times
3.89%4.39%4.89%Sep 14, 2026: 4.39% APRSep 14, 2026Oct 12, 2026
Southwest Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.51%
New Auto
4.39%
Up to 72 months
View
▼
APR4.39%
TermUp to 72 months
Last UpdatedOct 9, 2026
Details

As low as*

Rate History
No change since Sep 14, 2026 · 4.39% APR · checked 8 times
3.89%4.39%4.89%Sep 14, 2026: 4.39% APRSep 14, 2026Oct 12, 2026
Texas Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.06%
Used & New Auto Loan
4.39%
61-72 months
View
▼
APR4.39%
Term61-72 months
Last UpdatedOct 10, 2026
Details

As low as*; Rate: 4.39%

Rate History
No change since Oct 10, 2026 · 4.39% APR
3.89%4.39%4.89%Oct 10, 2026: 4.39% APROct 10, 2026Oct 12, 2026
Chartway Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
New Auto Loan
4.40%
1 to 48 months
View
▼
APR4.40%
Term1 to 48 months
Last UpdatedOct 7, 2026
Details

Model Year: New 2026 (6,000 miles or less); Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.

Rate History
No change since Oct 7, 2026 · 4.40% APR · checked 2 times
3.90%4.40%4.90%Oct 7, 2026: 4.40% APROct 7, 2026Oct 12, 2026
Americas Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.52%
New and Used Auto Loans
4.40%
60-Months
View
▼
APR4.40%
Term60-Months
Last UpdatedOct 10, 2026
Details

As low as 4.40% APR

Rate History
No change since Sep 14, 2026 · 4.40% APR · checked 6 times
3.90%4.40%4.90%Sep 14, 2026: 4.40% APRSep 14, 2026Oct 12, 2026
Tyler City Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.67%
New & Used Auto 2026 to 2022 - 60 Month Term
4.40%
60 Month
View
▼
APR4.40%
Term60 Month
Last UpdatedOct 10, 2026
Details

Credit scores: 700+

Rate History
No change since Oct 10, 2026 · 4.40% APR
3.90%4.40%4.90%Oct 10, 2026: 4.40% APROct 10, 2026Oct 12, 2026
FAA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
2025 & Newer Auto Loan
4.44%
48 Months
View
▼
APR4.44%
Interest Rate4.44%
Term48 Months
Last UpdatedOct 8, 2026
Details

Rate History
No change since Oct 8, 2026 · 4.44% APR
3.94%4.44%4.94%Oct 8, 2026: 4.44% APROct 8, 2026Oct 12, 2026
Southwest Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
New Auto
4.44%
60 Months
View
▼
APR4.44%
Term60 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 4.44% - 15.20%.

Rate History
No change since Sep 24, 2026 · 4.44% APR · checked 5 times
3.94%4.44%4.94%Sep 24, 2026: 4.44% APRSep 24, 2026Oct 12, 2026
Swemp Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.73%
New Autos
4.45%
Up to 84 Months
View
▼
APR4.45%
TermUp to 84 Months
Last UpdatedOct 8, 2026
Details

As Low As; Based On Credit Score And Loan Term

Rate History
No change since Sep 14, 2026 · 4.45% APR · checked 6 times
3.95%4.45%4.95%Sep 14, 2026: 4.45% APRSep 14, 2026Oct 12, 2026

Spofford Used Auto Auto Loan Rates

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
Pre-Owned (Used) Automobile
2.95%
0-36 Months
View
▼
APR2.95%
Term0-36 Months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Sep 17, 2026 · 2.95% APR · checked 5 times
2.45%2.95%3.45%Sep 17, 2026: 2.95% APRSep 17, 2026Oct 12, 2026
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
Pre-Owned (Used) Automobile (UA) - 0-36 Months
2.95%
0-36 months
View
▼
APR2.95%
Term0-36 months
Last UpdatedOct 9, 2026
Details

Credit Score: A+ (800+)

Rate History
1 change since Sep 14, 2026 · 3.95% → 2.95% ▼ 1.00 pts · high 3.95% / low 2.95%
1.95%3.45%4.95%Sep 14, 2026: 3.95% APROct 5, 2026: 2.95% APRSep 14, 2026Oct 12, 2026
  • Oct 5, 20262.95%▼ from 3.95%
  • Sep 14, 20263.95%first recorded
Lubrizol Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.14%
New & Used Automobile
3.24%
24 months to 60 months
View
▼
APR3.24%
Term24 months to 60 months
Last UpdatedOct 9, 2026
Details

Published APR range: 3.24% - 14.49%.

Rate History
No change since Sep 14, 2026 · 3.24% APR · checked 7 times
2.74%3.24%3.74%Sep 14, 2026: 3.24% APRSep 14, 2026Oct 12, 2026
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.19%
New & Used Autos
3.39%
Up to 36 Months
View
▼
APR3.39%
TermUp to 36 Months
Last UpdatedOct 8, 2026
Details

Published APR range: 3.39% - 12.95%. APR*

Rate History
No change since Sep 14, 2026 · 3.39% APR · checked 10 times
2.89%3.39%3.89%Sep 14, 2026: 3.39% APRSep 14, 2026Oct 12, 2026
Northeast Texas Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
Auto Purchase Loan Rate - Used Vehicle - 2025 - 60 months
3.40%
60 months
View
▼
APR3.40%
Term60 months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Oct 9, 2026 · 3.40% APR
2.90%3.40%3.90%Oct 9, 2026: 3.40% APROct 9, 2026Oct 12, 2026
Northeast Texas Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
Auto Purchase Loan Rate - Used Vehicle - 2026-2027
3.40%
60 months
View
▼
APR3.40%
Term60 months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Oct 9, 2026 · 3.40% APR
2.90%3.40%3.90%Oct 9, 2026: 3.40% APROct 9, 2026Oct 12, 2026
Victoria City County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.23%
New & Used Auto Loans
3.47%
36 to 72 Months
View
▼
APR3.47%
Term36 to 72 Months
Last UpdatedOct 9, 2026
Details

Published APR range: 3.47% to 18.00%.

Rate History
1 change since Sep 14, 2026 · 3.20% → 3.47% ▲ 0.27 pts · high 3.47% / low 3.20%
2.70%3.34%3.97%Sep 14, 2026: 3.20% APRSep 17, 2026: 3.47% APRSep 14, 2026Oct 12, 2026
  • Sep 17, 20263.47%▲ from 3.20%
  • Sep 14, 20263.20%first recorded
Mount Olive Baptist Church Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.98%
Used Vehicles (1 - 2 yrs. Old) & non-purchase collateral
3.49%
Up to 72 months
View
▼
APR3.49%
Interest Rate3.49%
TermUp to 72 months
Last UpdatedOct 9, 2026
Details

Published rate range: 3.49% - 11.99%**.

Rate History
No change since Sep 17, 2026 · 3.49% APR · checked 6 times
2.99%3.49%3.99%Sep 17, 2026: 3.49% APRSep 17, 2026Oct 12, 2026
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.07%
New and Pre-Owned Autos
3.49%
12-36 Months
View
▼
APR3.49%
Term12-36 Months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
1 change since Sep 14, 2026 · 3.24% → 3.49% ▲ 0.25 pts · high 3.49% / low 3.24%
2.74%3.37%3.99%Sep 14, 2026: 3.24% APRSep 27, 2026: 3.49% APRSep 14, 2026Oct 12, 2026
  • Sep 27, 20263.49%▲ from 3.24%
  • Sep 14, 20263.24%first recorded
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.07%
Pre-Owned Autos
3.49%
12 - 36 months
View
▼
APR3.49%
Term12 - 36 months
Last UpdatedOct 10, 2026
Details

Rates shown include standard rate discounts.*

Rate History
1 change since Sep 14, 2026 · 3.24% → 3.49% ▲ 0.25 pts · high 3.49% / low 3.24%
2.74%3.37%3.99%Sep 14, 2026: 3.24% APRSep 27, 2026: 3.49% APRSep 14, 2026Oct 12, 2026
  • Sep 27, 20263.49%▲ from 3.24%
  • Sep 14, 20263.24%first recorded
Southern Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
New & Used Auto Loan
3.50%
Up to 24 Months
View
▼
APR3.50%
TermUp to 24 Months
Last UpdatedOct 5, 2026
Details

As low as; Published APR range: 3.50% - 15.90% depending on term (up to 84 months); rate assumes discount of up to 1.00%; APR cannot be discounted below 3.50%

Rate History
No change since Oct 5, 2026 · 3.50% APR
3.00%3.50%4.00%Oct 5, 2026: 3.50% APROct 5, 2026Oct 12, 2026
Port of Houston Warehouse Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.91%
New/Used Auto
3.61%
36 months
View
▼
APR3.61%
Term36 months
Last UpdatedOct 9, 2026
Details

Term: 36-months to 72-months; Published APR range: 3.61% to 15.96%.

Rate History
No change since Oct 5, 2026 · 3.61% APR · checked 2 times
3.11%3.61%4.11%Oct 5, 2026: 3.61% APROct 5, 2026Oct 12, 2026
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
Used Autos
3.74%
Up to 36 Months
View
▼
APR3.74%
TermUp to 36 Months
Last UpdatedOct 10, 2026
Details

As Low As; Fewer than 100,000 miles

Rate History
No change since Sep 14, 2026 · 3.74% APR · checked 6 times
3.24%3.74%4.24%Sep 14, 2026: 3.74% APRSep 14, 2026Oct 12, 2026
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
New, Used, or Refinanced Vehicles
3.74%
36-month
View
▼
APR3.74%
Term36-month
Last UpdatedOct 10, 2026
Details

As Low As; No payments for 90 days. A $30,000 loan with a 36-month term at 3.74% APR equals a $936.19 monthly. Your monthly payment includes principal and interest and may be higher or lower depending on your loan amount, APR and term. Payment also includes monthly premium for Payment Protection which includes Credit Life and Disability Insurance. Credit Life and Disability Insurance is not required. Other rates and terms available. May not be combined with other offers. All loans and rates are subject to approval and some restrictions may apply. All loans closed directly at the dealership must be pre-approved at the credit union and closed at the pre-approved rate to qualify for the rate discount. Subject to mileage and vehicle age limitations. A vehicle is considered new when the model is current calendar year, next year so long as the mileage does not exceed 7,500 miles. CRCU finances up to 120% of MSRP (new vehicles) or the NADA Retail value (used vehicles). Maximum loan to value (LTV) is 120% including tax, license and fees. Maximum LTV is subject to approval and certain restrictions may apply. Not available to refinance an existing CRCU auto loan. The minimum approved loan amount is $500.00. Payment will not be required during the deferred period for the first 90 days. Interest will accrue during the deferment period. Must be 2024 model year or newer.

Rate History
No change since Oct 10, 2026 · 3.74% APR
3.24%3.74%4.24%Oct 10, 2026: 3.74% APROct 10, 2026Oct 12, 2026
USE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
New & Used Autos
3.74%
Up to 36 months
View
▼
APR3.74%
TermUp to 36 months
Last UpdatedOct 12, 2026
Details

As low as; *

Rate History
1 change since Sep 16, 2026 · 3.49% → 3.74% ▲ 0.25 pts · high 3.74% / low 3.49%
2.99%3.62%4.24%Sep 16, 2026: 3.49% APROct 4, 2026: 3.74% APRSep 16, 2026Oct 12, 2026
  • Oct 4, 20263.74%▲ from 3.49%
  • Sep 16, 20263.49%first recorded
Brazos Star Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
New or used Vehicles up to three years old, and Loan
3.75%
Up to 36 Months
View
▼
APR3.75%
TermUp to 36 Months
Last UpdatedOct 9, 2026
Details

As low as

Rate History
No change since Sep 14, 2026 · 3.75% APR · checked 7 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APRSep 14, 2026Oct 12, 2026
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
Used Auto
3.84%
Up to 36 Months
View
▼
APR3.84%
TermUp to 36 Months
Last UpdatedOct 9, 2026
Details

Rates Effective September 18, 2026.

Rate History
No change since Sep 14, 2026 · 3.84% APR · checked 6 times
3.34%3.84%4.34%Sep 14, 2026: 3.84% APRSep 14, 2026Oct 12, 2026
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.19%
New & Used Autos
3.89%
37-48 Months
View
▼
APR3.89%
Term37-48 Months
Last UpdatedOct 8, 2026
Details

Published APR range: 3.89% - 12.95%. APR*

Rate History
No change since Sep 14, 2026 · 3.89% APR · checked 10 times
3.39%3.89%4.39%Sep 14, 2026: 3.89% APRSep 14, 2026Oct 12, 2026
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
Pre-Owned (Used) Automobile
3.95%
37-60 Months
View
▼
APR3.95%
Term37-60 Months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Sep 17, 2026 · 3.95% APR · checked 5 times
3.45%3.95%4.45%Sep 17, 2026: 3.95% APRSep 17, 2026Oct 12, 2026
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
Pre-Owned (Used) Automobile (UA) - 0-36 Months
3.95%
0-36 months
View
▼
APR3.95%
Term0-36 months
Last UpdatedOct 9, 2026
Details

Credit Score: A (720-799)

Rate History
No change since Sep 14, 2026 · 3.95% APR · checked 3 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APRSep 14, 2026Oct 12, 2026
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
Pre-Owned (Used) Automobile (UA) - 37-60 Months
3.95%
37-60 months
View
▼
APR3.95%
Term37-60 months
Last UpdatedOct 9, 2026
Details

Credit Score: A+ (800+)

Rate History
No change since Sep 14, 2026 · 3.95% APR · checked 3 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APRSep 14, 2026Oct 12, 2026
Tyler City Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.67%
New & Used Auto 2022 - 2026
3.95%
Up to 60 months
View
▼
APR3.95%
TermUp to 60 months
Last UpdatedOct 10, 2026
Details

Rate History
No change since Sep 14, 2026 · 3.95% APR · checked 5 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APRSep 14, 2026Oct 12, 2026
United Heritage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.63%
New/Used Auto Loan
3.99%
0 to 36 Months
View
▼
APR3.99%
Term0 to 36 Months
Last UpdatedOct 1, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 5 times
3.49%3.99%4.49%Sep 14, 2026: 3.99% APRSep 14, 2026Oct 12, 2026
Austin Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.28%
Used Vehicles Loan
3.99%
48 months
View
▼
APR3.99%
Term48 months
Last UpdatedOct 9, 2026
Details

Published APR range: 3.99% to 14.55%.

Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 8 times
3.49%3.99%4.49%Sep 14, 2026: 3.99% APRSep 14, 2026Oct 12, 2026
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
USED Auto Loan
3.99%
Up to 36 months
View
▼
APR3.99%
TermUp to 36 months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
1 change since Sep 14, 2026 · 4.99% → 3.99% ▼ 1.00 pts · high 4.99% / low 3.99%
2.99%4.49%5.99%Sep 14, 2026: 4.99% APROct 5, 2026: 3.99% APRSep 14, 2026Oct 12, 2026
  • Oct 5, 20263.99%▼ from 4.99%
  • Sep 14, 20264.99%first recorded
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.16%
Used Auto Loan
3.99%
36 months
View
▼
APR3.99%
Term36 months
Last UpdatedOct 9, 2026
Details

Starting as low as 3.99%

Rate History
2 changes since Sep 17, 2026 · 4.25% → 3.99% ▼ 0.26 pts · high 4.25% / low 3.99%
3.49%4.12%4.75%Sep 17, 2026: 4.25% APROct 5, 2026: 4.24% APROct 9, 2026: 3.99% APRSep 17, 2026Oct 12, 2026
  • Oct 9, 20263.99%▼ from 4.24%
  • Oct 5, 20264.24%▼ from 4.25%
  • Sep 17, 20264.25%first recorded
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.24%
New and Used Other Vehicle Loans
3.99%
Up to 12 months
View
▼
APR3.99%
TermUp to 12 months
Last UpdatedOct 9, 2026
Details

Published APR range: 3.99% to 16.19%.

Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 4 times
3.49%3.99%4.49%Sep 18, 2026: 3.99% APRSep 18, 2026Oct 12, 2026
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.24%
New and Used Other Vehicle Loans
3.99%
24 months
View
▼
APR3.99%
Term24 months
Last UpdatedOct 9, 2026
Details

Published APR range: 3.99% to 16.19%.

Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 4 times
3.49%3.99%4.49%Sep 18, 2026: 3.99% APRSep 18, 2026Oct 12, 2026
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.24%
New and Used Other Vehicle Loans
3.99%
36 months
View
▼
APR3.99%
Term36 months
Last UpdatedOct 9, 2026
Details

Published APR range: 3.99% to 16.19%.

Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 4 times
3.49%3.99%4.49%Sep 18, 2026: 3.99% APRSep 18, 2026Oct 12, 2026
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.24%
New and Used Other Vehicle Loans
3.99%
48 months
View
▼
APR3.99%
Term48 months
Last UpdatedOct 9, 2026
Details

Published APR range: 3.99% to 16.19%.

Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 4 times
3.49%3.99%4.49%Sep 18, 2026: 3.99% APRSep 18, 2026Oct 12, 2026
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.24%
New and Used Other Vehicle Loans
3.99%
60 months
View
▼
APR3.99%
Term60 months
Last UpdatedOct 9, 2026
Details

Published APR range: 3.99% to 16.19%.

Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 4 times
3.49%3.99%4.49%Sep 18, 2026: 3.99% APRSep 18, 2026Oct 12, 2026
United Energy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
New/Used Auto (up to 5 years old)
3.99%
60 Months
View
▼
APR3.99%
Term60 Months
Last UpdatedOct 10, 2026
Details

80% Financing MSRP or NADA Retail (20% down)

Rate History
No change since Sep 22, 2026 · 3.99% APR · checked 4 times
3.49%3.99%4.49%Sep 22, 2026: 3.99% APRSep 22, 2026Oct 12, 2026
Prestige Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
Used Vehicle Loan (Car / Truck / SUV)
3.99%
Up to 36 Months
View
▼
APR3.99%
TermUp to 36 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 3.99% - 18.00%.

Rate History
No change since Oct 10, 2026 · 3.99% APR
3.49%3.99%4.49%Oct 10, 2026: 3.99% APROct 10, 2026Oct 12, 2026
Prestige Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
Used Vehicle Loan (Car / Truck / SUV)
3.99%
Up to 48 Months
View
▼
APR3.99%
TermUp to 48 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 3.99% - 18.00%.

Rate History
No change since Oct 10, 2026 · 3.99% APR
3.49%3.99%4.49%Oct 10, 2026: 3.99% APROct 10, 2026Oct 12, 2026
Prestige Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
Used Vehicle Loan (Car / Truck / SUV)
3.99%
Up to 60 Months
View
▼
APR3.99%
TermUp to 60 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 3.99% - 18.00%.

Rate History
No change since Oct 10, 2026 · 3.99% APR
3.49%3.99%4.49%Oct 10, 2026: 3.99% APROct 10, 2026Oct 12, 2026
Travis County Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.45%
Motor Vehicle New and Used Loan
3.99%
48 months
View
▼
APR3.99%
Term48 months
Last UpdatedOct 10, 2026
Details

Published APR range: 3.99% to 17.74%. Max Loan: 110% of price

Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 5 times
3.49%3.99%4.49%Sep 18, 2026: 3.99% APRSep 18, 2026Oct 12, 2026
Travis County Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.45%
Motor Vehicle New and Used Loan
3.99%
36 months
View
▼
APR3.99%
Term36 months
Last UpdatedOct 10, 2026
Details

Published APR range: 3.99% to 17.74%. Max Loan: 110% of price

Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 5 times
3.49%3.99%4.49%Sep 18, 2026: 3.99% APRSep 18, 2026Oct 12, 2026
Houston Highway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
Used Vehicle Loan
3.99%
24 - 72+ Months
View
▼
APR3.99%
Term24 - 72+ Months
Last UpdatedOct 10, 2026
Details

Published APR range: 3.99% - 18.00%.

Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 6 times
3.49%3.99%4.49%Sep 14, 2026: 3.99% APRSep 14, 2026Oct 12, 2026
InvesTex Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
New and Used Auto Loan
3.99%
Up to 36 Months
View
▼
APR3.99%
TermUp to 36 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 3.99% - 11.24%.

Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 2 times
3.49%3.99%4.49%Sep 14, 2026: 3.99% APRSep 14, 2026Oct 12, 2026
Texasgulf Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
New or used vehicle Loan
3.99%
up to 36 months
View
▼
APR3.99%
Termup to 36 months
Last UpdatedOct 12, 2026
Details

As Low As; New or used vehicle

Rate History
No change since Sep 16, 2026 · 3.99% APR · checked 5 times
3.49%3.99%4.49%Sep 16, 2026: 3.99% APRSep 16, 2026Oct 12, 2026
Sabine Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
New or Used Autos or Harley Davidson Motorcycles (36 months or less)
4.00%
36 months
View
▼
APR4.00%
Term36 months
Last UpdatedOct 8, 2026
Details

APR range: 4.00% - 14.00% APR*

Rate History
No change since Sep 17, 2026 · 4.00% APR · checked 2 times
3.50%4.00%4.50%Sep 17, 2026: 4.00% APRSep 17, 2026Oct 12, 2026
Temple Inland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.36%
New & Used Auto
4.00%
36-60 months
View
▼
APR4.00%
Term36-60 months
Last UpdatedOct 8, 2026
Details

Tier 1 750-up

Rate History
No change since Sep 14, 2026 · 4.00% APR · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APRSep 14, 2026Oct 12, 2026
Temple Inland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.36%
New & Used Auto
4.00%
61-75 months
View
▼
APR4.00%
Term61-75 months
Last UpdatedOct 8, 2026
Details

Tier 1 750-up

Rate History
No change since Sep 14, 2026 · 4.00% APR · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APRSep 14, 2026Oct 12, 2026
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.68%
Used Automobiles & Light Trucks
4.00%
36 months
View
▼
APR4.00%
Term36 months
Last UpdatedOct 8, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.00% APR · checked 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APRSep 14, 2026Oct 12, 2026
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
New/Used Vehicles - 24 Mo. Loan
4.00%
24 months
View
▼
APR4.00%
Term24 months
Last UpdatedOct 9, 2026
Details

Credit Score: 730+; Grade of Paper: A+

Rate History
No change since Sep 14, 2026 · 4.00% APR · checked 5 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APRSep 14, 2026Oct 12, 2026
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
New/Used Vehicles - 36 Mo. Loan
4.00%
36 months
View
▼
APR4.00%
Term36 months
Last UpdatedOct 9, 2026
Details

Credit Score: 730+; Grade of Paper: A+

Rate History
No change since Sep 14, 2026 · 4.00% APR · checked 5 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APRSep 14, 2026Oct 12, 2026
Local 20 IBEW Federal Credit Union
Institution Rating:
D3.1 ★ Texas Ratio: 25.11%
Used Vehicle Loan
4.00%
Up to 72 months
View
▼
APR4.00%
TermUp to 72 months
Last UpdatedOct 9, 2026
Details

All loans can be discounted by 0.25% APR* if member has an active MasterCard account with monthly activity on the account. This discount can be given if member requests and is approved for a MasterCard when the loan is made. If the member discontinues the products or services which made them eligible for the discount, their rate may be increased to the normal rate.

Rate History
No change since Oct 9, 2026 · 4.00% APR
3.50%4.00%4.50%Oct 9, 2026: 4.00% APROct 9, 2026Oct 12, 2026
Education First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.82%
New and Used Vehicle Loan
4.00%
36 Months
View
▼
APR4.00%
Term36 Months
Last UpdatedOct 9, 2026
Details

APR = Annual Percentage Rate. The APR shown reflects our best rate including discounts and may be different based on credit underwriting or services used. All rates are subject to change without notice.

Rate History
No change since Oct 5, 2026 · 4.00% APR · checked 2 times
3.50%4.00%4.50%Oct 5, 2026: 4.00% APROct 5, 2026Oct 12, 2026
Gulf Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
New & Used Autos
4.00%
36 months
View
▼
APR4.00%
Term36 months
Last UpdatedOct 9, 2026
Details

As low as

Rate History
No change since Sep 14, 2026 · 4.00% APR · checked 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APRSep 14, 2026Oct 12, 2026
Concho Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.62%
Used Autos
4.00%
24 to 60 months
View
▼
APR4.00%
Term24 to 60 months
Last UpdatedOct 10, 2026
Details

As low as; Maximum Loan: NADA RETAIL VALUE

Rate History
No change since Sep 14, 2026 · 4.00% APR · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APRSep 14, 2026Oct 12, 2026
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.36%
New & Used Auto Loan
4.05%
Up to 36 Months
View
▼
APR4.05%
TermUp to 36 Months
Last UpdatedOct 12, 2026
Details

As Low As; Model Year: 2019-2025

Rate History
No change since Sep 16, 2026 · 4.05% APR · checked 3 times
3.55%4.05%4.55%Sep 16, 2026: 4.05% APRSep 16, 2026Oct 12, 2026
Mesquite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
New and Used Vehicles Loan
4.10%
Up to 72 Months
View
▼
APR4.10%
TermUp to 72 Months
Last UpdatedOct 10, 2026
Details

As Low As; *

Rate History
No change since Sep 14, 2026 · 4.10% APR · checked 6 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APRSep 14, 2026Oct 12, 2026
Mesquite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
New and Used Vehicles Loan
4.10%
84 months
View
▼
APR4.10%
Term84 months
Last UpdatedOct 10, 2026
Details

As Low As; Rate discounts for having Direct Deposit, Automatic payment transfer, GAP coverage, Warranty or Credit Life/Disability Insurance.

Rate History
No change since Sep 18, 2026 · 4.10% APR · checked 5 times
3.60%4.10%4.60%Sep 18, 2026: 4.10% APRSep 18, 2026Oct 12, 2026
Temple Inland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.36%
New & Used Auto
4.15%
36-60 months
View
▼
APR4.15%
Term36-60 months
Last UpdatedOct 8, 2026
Details

Tier 2 700-749

Rate History
No change since Sep 14, 2026 · 4.15% APR · checked 6 times
3.65%4.15%4.65%Sep 14, 2026: 4.15% APRSep 14, 2026Oct 12, 2026
Temple Inland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.36%
New & Used Auto
4.15%
61-75 months
View
▼
APR4.15%
Term61-75 months
Last UpdatedOct 8, 2026
Details

Tier 2 700-749

Rate History
No change since Sep 14, 2026 · 4.15% APR · checked 6 times
3.65%4.15%4.65%Sep 14, 2026: 4.15% APRSep 14, 2026Oct 12, 2026
Southwest Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
Used Auto
4.19%
Up to 36 months
View
▼
APR4.19%
TermUp to 36 months
Last UpdatedOct 10, 2026
Details

Published APR range: 4.19% - 14.25%. 100% Financing**

Rate History
No change since Sep 24, 2026 · 4.19% APR · checked 5 times
3.69%4.19%4.69%Sep 24, 2026: 4.19% APRSep 24, 2026Oct 12, 2026
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.16%
Used Auto Loan
4.24%
36 months
View
▼
APR4.24%
Term36 months
Last UpdatedOct 9, 2026
Details

Starting as low as 4.24%

Rate History
1 change since Sep 17, 2026 · 4.25% → 4.24% ▼ 0.01 pts · high 4.25% / low 4.24%
3.74%4.25%4.75%Sep 17, 2026: 4.25% APROct 5, 2026: 4.24% APRSep 17, 2026Oct 12, 2026
  • Oct 5, 20264.24%▼ from 4.25%
  • Sep 17, 20264.25%first recorded
Texas Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.06%
Used & New Auto Loan
4.24%
0-36 months
View
▼
APR4.24%
Term0-36 months
Last UpdatedOct 10, 2026
Details

As low as*; Rate: 4.24%

Rate History
No change since Oct 10, 2026 · 4.24% APR
3.74%4.24%4.74%Oct 10, 2026: 4.24% APROct 10, 2026Oct 12, 2026
Texas Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.06%
Used & New Auto Loan
4.24%
37-48 months
View
▼
APR4.24%
Term37-48 months
Last UpdatedOct 10, 2026
Details

As low as*; Rate: 4.24%

Rate History
No change since Oct 10, 2026 · 4.24% APR
3.74%4.24%4.74%Oct 10, 2026: 4.24% APROct 10, 2026Oct 12, 2026
Texas Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.06%
Used & New Auto Loan
4.24%
49-60 months
View
▼
APR4.24%
Term49-60 months
Last UpdatedOct 10, 2026
Details

As low as*; Rate: 4.24%

Rate History
No change since Oct 10, 2026 · 4.24% APR
3.74%4.24%4.74%Oct 10, 2026: 4.24% APROct 10, 2026Oct 12, 2026
Sabine Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
New or Used Autos or Harley Davidson Motorcycles (48 months or less)
4.25%
48 months
View
▼
APR4.25%
Term48 months
Last UpdatedOct 8, 2026
Details

APR range: 4.25% - 14.25% APR*

Rate History
No change since Sep 17, 2026 · 4.25% APR · checked 2 times
3.75%4.25%4.75%Sep 17, 2026: 4.25% APRSep 17, 2026Oct 12, 2026
Sabine Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
New or Used Autos or Harley Davidson Motorcycles (60 months or less)
4.25%
60 months
View
▼
APR4.25%
Term60 months
Last UpdatedOct 8, 2026
Details

APR range: 4.25% - 14.25% APR*

Rate History
No change since Sep 17, 2026 · 4.25% APR · checked 2 times
3.75%4.25%4.75%Sep 17, 2026: 4.25% APRSep 17, 2026Oct 12, 2026
Temple Inland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.36%
New & Used Auto
4.25%
78-84 months
View
▼
APR4.25%
Term78-84 months
Last UpdatedOct 8, 2026
Details

Tier 1 750-up

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 6 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 12, 2026
Cy-Fair Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.93%
New & Used Auto
4.25%
36 to 84 Months
View
▼
APR4.25%
Term36 to 84 Months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 9 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 12, 2026
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
New/Used Vehicles - 48 Mo. Loan
4.25%
48 months
View
▼
APR4.25%
Term48 months
Last UpdatedOct 9, 2026
Details

Credit Score: 730+; Grade of Paper: A+

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 5 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 12, 2026
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.70%
Used Automobile Loan
4.25%
Up to 36 Months
View
▼
APR4.25%
TermUp to 36 Months
Last UpdatedOct 9, 2026
Details

As Low As; Fixed Rate

Rate History
No change since Sep 17, 2026 · 4.25% APR · checked 7 times
3.75%4.25%4.75%Sep 17, 2026: 4.25% APRSep 17, 2026Oct 12, 2026
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.16%
Used Auto Loan
4.25%
48 months
View
▼
APR4.25%
Term48 months
Last UpdatedOct 9, 2026
Details

Starting as low as 4.25%

Rate History
No change since Sep 17, 2026 · 4.25% APR · checked 7 times
3.75%4.25%4.75%Sep 17, 2026: 4.25% APRSep 17, 2026Oct 12, 2026
Education First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.82%
New and Used Vehicle Loan
4.25%
48 Months
View
▼
APR4.25%
Term48 Months
Last UpdatedOct 9, 2026
Details

APR = Annual Percentage Rate. The APR shown reflects our best rate including discounts and may be different based on credit underwriting or services used. All rates are subject to change without notice.

Rate History
No change since Oct 5, 2026 · 4.25% APR · checked 2 times
3.75%4.25%4.75%Oct 5, 2026: 4.25% APROct 5, 2026Oct 12, 2026
Gulf Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
New & Used Autos
4.25%
48 months
View
▼
APR4.25%
Term48 months
Last UpdatedOct 9, 2026
Details

As low as

Rate History
No change since Sep 18, 2026 · 4.25% APR · checked 6 times
3.75%4.25%4.75%Sep 18, 2026: 4.25% APRSep 18, 2026Oct 12, 2026
Gulf Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
New & Used Autos
4.25%
60 months
View
▼
APR4.25%
Term60 months
Last UpdatedOct 9, 2026
Details

As low as

Rate History
No change since Sep 18, 2026 · 4.25% APR · checked 6 times
3.75%4.25%4.75%Sep 18, 2026: 4.25% APRSep 18, 2026Oct 12, 2026
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
USED Autos - Up to 36 Months
4.25%
36 months
View
▼
APR4.25%
Term36 months
Last UpdatedOct 9, 2026
Details

Published APR range: 4.25% - 13.75%. As Low As; Rates as low as 4.25% - 13.75%

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 5 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 12, 2026
Brazos Star Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
New or used Vehicles up to three years old, and Loan
4.25%
48 to 59 Months
View
▼
APR4.25%
Term48 to 59 Months
Last UpdatedOct 9, 2026
Details

As low as

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 7 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 12, 2026
Brazos Star Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
Used Vehicles older than 3 years with less than 85k miles Loan
4.25%
Up to 48 Months
View
▼
APR4.25%
TermUp to 48 Months
Last UpdatedOct 9, 2026
Details

As low as

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 7 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 12, 2026
Southern Star Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.70%
Used Auto Loans
4.25%
Up to 36 Months
View
▼
APR4.25%
TermUp to 36 Months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 6 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 12, 2026
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
Used Auto Loans
4.25%
0-24 months
View
▼
APR4.25%
Term0-24 months
Last UpdatedOct 10, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 6 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 12, 2026
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
Used Auto Loans
4.25%
25-36 months
View
▼
APR4.25%
Term25-36 months
Last UpdatedOct 10, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 6 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 12, 2026
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
Used Auto Loans
4.25%
37-48 months
View
▼
APR4.25%
Term37-48 months
Last UpdatedOct 10, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 6 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 12, 2026
The Peoples Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.80%
New & Used Vehicles Loan
4.29%
3 years
View
▼
APR4.29%
Term3 years
Last UpdatedOct 8, 2026
Details

As low as; *Rate includes both discounts

Rate History
No change since Sep 14, 2026 · 4.29% APR · checked 5 times
3.79%4.29%4.79%Sep 14, 2026: 4.29% APRSep 14, 2026Oct 12, 2026
The Peoples Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.80%
New & Used Vehicles Loan
4.29%
4 years
View
▼
APR4.29%
Term4 years
Last UpdatedOct 8, 2026
Details

*Rate includes both discounts

Rate History
No change since Sep 14, 2026 · 4.29% APR · checked 5 times
3.79%4.29%4.79%Sep 14, 2026: 4.29% APRSep 14, 2026Oct 12, 2026
First Watch Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
Used Automobiles 2023
4.29%
Up to 72 months
View
▼
APR4.29%
TermUp to 72 months
Last UpdatedOct 9, 2026
Details

Published APR range: 4.29% - 17.99%. Year: 2023; Maximum Loan: NADA Value

Rate History
No change since Sep 17, 2026 · 4.29% APR · checked 3 times
3.79%4.29%4.79%Sep 17, 2026: 4.29% APRSep 17, 2026Oct 12, 2026
First Watch Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
Used Automobiles 2024
4.29%
Up to 78 months
View
▼
APR4.29%
TermUp to 78 months
Last UpdatedOct 9, 2026
Details

Published APR range: 4.29% - 17.99%. Year: 2024; Maximum Loan: NADA Value

Rate History
No change since Sep 17, 2026 · 4.29% APR · checked 3 times
3.79%4.29%4.79%Sep 17, 2026: 4.29% APRSep 17, 2026Oct 12, 2026
First Watch Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
Used Automobiles 2026-2025
4.29%
Up to 84 months
View
▼
APR4.29%
TermUp to 84 months
Last UpdatedOct 9, 2026
Details

Published APR range: 4.29% -17.99%. Year: 2026-2025; Maximum Loan: NADA Value

Rate History
No change since Sep 17, 2026 · 4.29% APR · checked 3 times
3.79%4.29%4.79%Sep 17, 2026: 4.29% APRSep 17, 2026Oct 12, 2026
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.39%
New & Used Vehicles - 60 months
4.35%
60 months
View
▼
APR4.35%
Interest Rate4.35%
Term60 months
Last UpdatedOct 9, 2026
Details

As Low As; Rate as low as

Rate History
No change since Sep 14, 2026 · 4.35% APR · checked 8 times
3.85%4.35%4.85%Sep 14, 2026: 4.35% APRSep 14, 2026Oct 12, 2026
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.19%
New & Used Autos
4.39%
49 - 65 Months
View
▼
APR4.39%
Term49 - 65 Months
Last UpdatedOct 8, 2026
Details

Published APR range: 4.39% -13.14%. APR*

Rate History
No change since Sep 14, 2026 · 4.39% APR · checked 10 times
3.89%4.39%4.89%Sep 14, 2026: 4.39% APRSep 14, 2026Oct 12, 2026
Southwest Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.51%
Used Auto
4.39%
Up to 72 months
View
▼
APR4.39%
TermUp to 72 months
Last UpdatedOct 9, 2026
Details

As low as*

Rate History
No change since Sep 14, 2026 · 4.39% APR · checked 8 times
3.89%4.39%4.89%Sep 14, 2026: 4.39% APRSep 14, 2026Oct 12, 2026
Texas Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.06%
Used & New Auto Loan
4.39%
61-72 months
View
▼
APR4.39%
Term61-72 months
Last UpdatedOct 10, 2026
Details

As low as*; Rate: 4.39%

Rate History
No change since Oct 10, 2026 · 4.39% APR
3.89%4.39%4.89%Oct 10, 2026: 4.39% APROct 10, 2026Oct 12, 2026
Chartway Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
Used Auto Loan
4.40%
1 to 48 months
View
▼
APR4.40%
Term1 to 48 months
Last UpdatedOct 7, 2026
Details

Model Year: Used 2026-2025; Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.

Rate History
No change since Oct 7, 2026 · 4.40% APR · checked 2 times
3.90%4.40%4.90%Oct 7, 2026: 4.40% APROct 7, 2026Oct 12, 2026
Americas Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.52%
New and Used Auto Loans
4.40%
60-Months
View
▼
APR4.40%
Term60-Months
Last UpdatedOct 10, 2026
Details

As low as 4.40% APR

Rate History
No change since Sep 14, 2026 · 4.40% APR · checked 6 times
3.90%4.40%4.90%Sep 14, 2026: 4.40% APRSep 14, 2026Oct 12, 2026
Tyler City Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.67%
New & Used Auto 2026 to 2022 - 60 Month Term
4.40%
60 Month
View
▼
APR4.40%
Term60 Month
Last UpdatedOct 10, 2026
Details

Credit scores: 700+

Rate History
No change since Oct 10, 2026 · 4.40% APR
3.90%4.40%4.90%Oct 10, 2026: 4.40% APROct 10, 2026Oct 12, 2026
Southwest Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
Used Auto
4.44%
48 Months
View
▼
APR4.44%
Term48 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 4.44% - 15.25%.

Rate History
No change since Sep 24, 2026 · 4.44% APR · checked 5 times
3.94%4.44%4.94%Sep 24, 2026: 4.44% APRSep 24, 2026Oct 12, 2026
Swemp Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.73%
Pre-Owned Autos
4.45%
Up to 84 Months
View
▼
APR4.45%
TermUp to 84 Months
Last UpdatedOct 8, 2026
Details

As Low As; Based On Credit Score And Loan Term

Rate History
No change since Sep 14, 2026 · 4.45% APR · checked 6 times
3.95%4.45%4.95%Sep 14, 2026: 4.45% APRSep 14, 2026Oct 12, 2026

Spofford, TX Auto Loan Rate Trends

Compare local Spofford, TX auto loan rates against the statewide average

Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.

View Full Texas Auto Trends
New Auto Loan TX Avg
5.198%
▼ 0.022 vs 7 days ago

Texas new auto rates fell 0.022 points over the past 7 days to 5.198% APR.

Used Auto Loan TX Avg
5.711%
▼ 0.087 vs 7 days ago

Texas used auto rates fell 0.087 points over the past 7 days to 5.711% APR.

As of Oct 12, 2026 • Rate data sourced from 8,500+ monitored institutions

Spofford, TX Auto Loan Rate Forecast, Next 12 Months

Auto loan APRs track lender funding costs, which follow Federal Reserve policy. Our model projects the likely path of new and used auto averages from the current Texas figures.

Current New Auto Avg
5.20%
APR, as of Oct 12, 2026
6-Month Forecast
5.28%
Fed hold assumed
12-Month Forecast
5.35%
Range: 5.00% to 5.55%
Forecast Methodology & Assumptions

Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; auto lenders reprice within one to two policy cycles as funding costs move, and credit union pricing tends to lag banks slightly.

Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.

Powered byMonitorBankRates

What Would Your Monthly Car Payment Be?

Estimated monthly payments on a standard 60-month auto loan at today’s average Texas APRs. Even a small APR difference adds up over the life of a car loan. Use the calculator below to model your exact loan.

Loan Amount New Auto @ 5.20% APR
TX average		 Used Auto @ 5.71% APR
TX average		 Monthly Difference
$15,000 $284.43/mo $287.98/mo $3.55/mo
$25,000 $474.05/mo $479.97/mo $5.92/mo
$35,000 $663.67/mo $671.96/mo $8.29/mo
$45,000 $853.29/mo $863.95/mo $10.66/mo

Principal and interest only, 60-month term, calculated from current average APRs. Taxes, title, registration, and optional add-ons are not included. Your APR depends on credit score, loan term, vehicle age, and lender underwriting.

Powered byMonitorBankRates

How to Get the Best Auto Loan Rate in Spofford, Texas

1

Get Preapproved Before You Shop

A preapproval from a bank or credit union serving Spofford, Texas locks in a real rate before you set foot on a dealer lot. It turns you into a cash buyer, gives you a benchmark to beat, and protects you from dealer financing markups. Dealers can legally add points to the rate a lender actually approved you for.

2

Check Credit Unions First

Credit unions consistently offer some of the lowest auto loan APRs in Texas. Membership is usually easier to get than people expect. Many local credit unions accept anyone who lives, works, or worships in the area, and some let you join with a small donation to a partner charity.

3

Choose the Shortest Term You Can Afford

Shorter terms almost always carry lower APRs, and you pay interest for fewer months. A 72- or 84-month loan lowers the monthly payment but dramatically raises total interest cost and increases the time you spend “underwater”, owing more than the car is worth. Aim for 60 months or less if the payment fits your budget.

4

Mind the New vs. Used Rate Spread

Used car loans typically run 0.5 to 1.5 percentage points above new car rates. If you’re shopping late-model used vehicles, ask about certified pre-owned programs. CPO vehicles sometimes qualify for new-car financing rates, which can offset part of the price difference between the two.

Building a down payment, or is an auto loan not the right fit?

Texas Financial Snapshot

Local demographics and economic context for car buyers. Source: U.S. Census Bureau (state-level data shown; city data not available)

$44,072
Median Individual Earnings
National avg: $47,340
5.2%
Unemployment Rate
National avg: 4.8%
13.8%
Poverty Rate
National avg: 11.1%
$569/mo
Payment on a $30K / 60-mo Loan
At TX new-auto avg 5.20% APR

A $569 monthly car payment works out to roughly 15.5% of the median individual income in Texas. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15 to 20% of take-home pay.

Auto Financing Options Compared

An auto loan isn’t the only way to finance a vehicle in Spofford, Texas, but for most borrowers it’s the cheapest. Here’s how the main options stack up.

Feature Credit Union Auto Loan Bank Auto Loan Dealer Financing Personal Loan
Typical APR Level ✓ Often lowest ✓ Competitive ● Varies, can be marked up ✗ Highest (unsecured)
Rate Locked Before You Shop ✓ Yes, via preapproval ✓ Yes, via preapproval ✗ Arranged at the dealership ✓ Yes
Membership / Relationship Required ● Membership (usually easy) ✗ No ✗ No ✗ No
Works for Private-Party Sales ✓ Usually ● Sometimes ✗ No ✓ Yes
Convenience at Purchase ● Preapproval step first ● Preapproval step first ✓ One-stop at the dealer ● Funds in 1 to 3 days
Best For Lowest total cost of borrowing Existing bank customers & rate discounts Manufacturer 0% promos on new cars Older vehicles lenders won’t finance

General comparison for educational purposes. Manufacturer promotional financing (0 to 2.9% APR offers) through dealers can beat any bank or credit union rate when you qualify. Always compare the promo against a cash rebate plus outside financing.

Auto Loan Payment Calculator

Estimate your monthly payment on a new or used vehicle in Spofford, Texas. We’ve prefilled the APR with today’s TX new-auto average, or click any current rate on the right to apply it instantly.

$
$
%
Current Rates: Click to Apply
$0
Estimated Monthly Payment
Loan Amount$0
Total Interest Paid$0
Total of All Payments$0
Total Cost incl. Down Payment$0

Estimates include principal and interest only. Sales tax, title, registration, documentation fees, and optional products (GAP, warranties) are not included and are often financed into the loan. Advertised APRs typically require excellent credit; your rate may differ.

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Spofford, Texas auto loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.

A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.

Direct-Sourced & Verified Auto Loan Rate Data: We aggregate new and used auto loan rates for Spofford, Texas directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the lenders’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available auto loan products in Spofford, Texas. We feature a comprehensive mix of lenders, from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in TX.

Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.

Bad Credit Auto Loans in Spofford, Texas

You can get a car loan with bad credit, but your credit score moves the APR more than almost anything else. Lenders sort borrowers into tiers, and the average used car loan for a subprime borrower costs more than twice what a prime borrower pays. On a $25,000 used car loan over 60 months, that gap adds up to about $8,000 in extra interest.

Avg. new car loan we track: 5.97% APR Avg. used car loan we track: 6.71% APR
Credit TierScore RangeNew Car APRUsed Car APR$25,000 Used, 60 Mo.
Super prime781 to 8504.41%6.29%$487/mo
Prime661 to 7806.15%8.81%$517/mo
Near prime601 to 6609.71%13.93%$581/mo
Subprime501 to 60013.52%19.10%$650/mo
Deep subprime300 to 50016.11%21.62%$685/mo

Average APRs from Experian, State of the Automotive Finance Market, Q2 2026 (VantageScore 4.0). Payment is principal and interest only.

Get Preapproved Before the Dealer

A preapproval from a bank or credit union gives you a real rate to compare. Dealers can add a markup to the rate a lender approves, and bad credit car buyers are the easiest to overcharge.

Start With a Credit Union

Federal credit unions cannot charge more than 18% APR on most loans through September 10, 2027, and many will look past your score at your income and history with them.

Put More Money Down

A larger down payment lowers the lender's risk and keeps you from owing more than the car is worth. Even 10% to 20% down can move a borderline application to an approval.

Keep the Term Short

A 72 or 84 month loan lowers the payment but stacks interest on top of an already high APR. Choose a less expensive car before you choose a longer term.

Add a Cosigner

A cosigner with strong credit can get you a prime rate. They are fully responsible for the loan if you miss payments, so only ask someone who understands that.

Be Careful With Buy Here Pay Here

These lots approve almost anyone, but often at the highest legal rates and on older cars. Many do not report on time payments to the credit bureaus, so the loan may not help rebuild your score.

See Bad Credit Car Loans
Powered byMonitorBankRates

Frequently Asked Questions about Auto Loans in Spofford, 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 Spofford, 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 Spofford, 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.

Should I get preapproved for an auto loan before visiting a dealer in Spofford, Texas?

Yes. A preapproval from a bank or credit union serving Spofford, Texas gives you a real rate to compare against dealer financing and turns you into a cash buyer at the negotiating table. Dealers often mark up the rates they arrange, so walking in with a preapproved offer routinely saves buyers money on the financing side of the deal.

Why are used car loan rates higher than new car rates?

Lenders charge more for used vehicles because they are harder to value, depreciate unpredictably, and carry more repossession risk. The spread between new and used rates is typically 0.5 to 1.5 percentage points. A late-model certified pre-owned vehicle sometimes qualifies for new-car rates, so ask the lender how they classify the vehicle before assuming the used rate applies.

Can I refinance my auto loan if rates drop or my credit improves?

Yes. Auto loan refinancing is usually fast and often fee-free. If your credit score has improved since you bought the vehicle, or you financed at a marked-up dealer rate, refinancing with a bank or credit union serving Spofford, Texas can lower your monthly payment or shorten your term. It makes the most sense early in the loan, while most of your payments are still going to interest.

Can I get an auto loan with bad credit in Spofford, Texas?

Yes. Banks, credit unions, and dealer lenders all finance borrowers with subprime credit, but at higher rates. Getting preapproved by a credit union before you visit a dealer, putting more money down, and choosing a shorter term all improve your chances of approval and lower the total cost.

What is the average car loan rate for bad credit?

According to Experian, in the second quarter of 2026 subprime borrowers (scores 501 to 600) paid an average of 13.52% APR on new cars and 19.10% on used cars. Deep subprime borrowers (300 to 500) averaged 16.11% on new and 21.62% on used. Prime borrowers averaged 6.15% and 8.81%.

What are the best Auto Loan rates in Spofford, Texas?

Based on our current data, some of the lowest auto loan rates available in Spofford, Texas include:
  • Belton Federal Credit Union: 1.99% (New Vehicle Loan)
  • Mclennan County Employees Federal Credit Union: 2.00% (New Vehicles Loan)
  • HIGHWAY DISTRICT 21: 2.50% (RATES ON VEHICLES - 2026 2025 2024 Loan)
  • IBEW Local 66 Federal Credit Union: 2.95% (Auto Loan)
  • TEXOMA EDUCATORS: 2.99% (New vehicles Loan)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Spofford, Texas. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: October 12, 2026

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