Auto Loans · Texas
377 credit unions in Texas report car loan rates to the NCUA. Rates range from 1.90% to 12.50%.
Updated Q1 2026 · NCUA Call Report data
377
CUs Reporting Rates
1.90%
Lowest New Car Rate
5.76%
State Average Rate
175
Cities Covered
377 credit unions with reported rates, sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | COMPLEX COMMUNITY ODESSA | 1.90% | 4.95% |
| 2 | UNIVERSITY AUSTIN | 1.95% | 4.99% |
| 3 | MOPAC EMPLOYEES Palestine | 1.99% | 2.99% |
| 4 | CY-FAIR Houston | 2.49% | 3.49% |
| 5 | PARIS DISTRICT Paris | 2.90% | 11.00% |
| 6 | B. P. S. Beeville | 3.00% | 3.00% |
| 7 | ST. LUKE'S COMMUNITY Houston | 3.00% | 6.50% |
| 8 | MOUNT OLIVE BAPTIST CHURCH Arlington | 3.20% | 7.17% |
| 9 | MUSICIANS Arlington | 3.25% | 5.50% |
| 10 | PASADENA MUNICIPAL Pasadena | 3.25% | 4.50% |
| 11 | FAITH COOPERATIVE Dallas | 3.35% | 4.40% |
| 12 | SALT EMPLOYEES GRAND SALINE | 3.40% | 5.00% |
| 13 | NORTHEAST PANHANDLE TEACHERS Perryton | 3.49% | 3.46% |
| 14 | TEXAS TECH Lubbock | 3.59% | 4.85% |
| 15 | UNITY ONE Fort Worth | 3.61% | 5.95% |
| 16 | SOUTH TEXAS McALLEN | 3.68% | 4.49% |
| 17 | WHARTON COUNTY TEACHERS Wharton | 3.79% | 5.10% |
| 18 | ALPINE COMMUNITY Alpine | 3.81% | 4.92% |
| 19 | OUR MOTHER OF MERCY PARISH HOUSTON Houston | 3.95% | 5.48% |
| 20 | BRAZOS STAR College Station | 3.95% | 5.50% |
| 21 | EDUCATORS WACO | 3.99% | 3.99% |
| 22 | RALLY Corpus Christi | 3.99% | 7.49% |
| 23 | CITY OF DEER PARK Deer Park | 3.99% | 3.99% |
| 24 | TEMPLE-INLAND Diboll | 4.00% | 4.00% |
| 25 | TEXHILLCO SCHOOL EMPLOYEES Kerrville | 4.00% | 9.00% |
| 26 | WESTEX COMMUNITY Kermit | 4.00% | 10.94% |
| 27 | CENTRAL TEXAS TEACHERS Corsicana | 4.00% | 6.00% |
| 28 | PAMPA TEACHERS Pampa | 4.00% | 4.00% |
| 29 | ALAMO CITY San Antonio | 4.10% | 6.64% |
| 30 | PIONEER MUTUAL SUGAR LAND | 4.12% | 4.76% |
| 31 | BRAZOS COMMUNITY Alvin | 4.24% | 4.24% |
| 32 | MATAGORDA COUNTY Bay City | 4.25% | 4.25% |
| 33 | SAN ANGELO SAN ANGELO | 4.25% | 4.50% |
| 34 | VIDOR TEACHERS Vidor | 4.25% | 4.25% |
| 35 | ANDREWS SCHOOL Andrews | 4.25% | 6.25% |
| 36 | EDINBURG TEACHERS Edinburg | 4.30% | 4.35% |
| 37 | HIGHWAY DISTRICT 21 MCALLEN | 4.31% | 4.21% |
| 38 | CHOCOLATE BAYOU COMMUNITY Alvin | 4.34% | 5.10% |
| 39 | ALLIED ARLINGTON | 4.39% | 3.99% |
| 40 | LEFORS lefors | 4.42% | 8.12% |
| 41 | SERVICE 1ST Greenville | 4.45% | 5.10% |
| 42 | HERITAGE USA Midland | 4.48% | 6.86% |
| 43 | U. S. EMPLOYEES Tomball | 4.49% | 4.75% |
| 44 | WALKER COUNTY Huntsville | 4.49% | 4.49% |
| 45 | HIGHWAY DISTRICT 19 EMPLOYEES ATLANTA | 4.49% | 4.49% |
| 46 | S.T.E.C. NURSERY | 4.50% | 4.50% |
| 47 | AMARILLO POSTAL EMPLOYEES AMARILLO | 4.50% | 4.50% |
| 48 | EMPLOYEES UNITED Paris | 4.50% | 13.00% |
| 49 | GOODYEAR SAN ANGELO SAN ANGELO | 4.50% | 6.55% |
| 50 | VALLEY Brownsville | 4.51% | 6.28% |
| 51 | MOUNTAIN STAR El Paso | 4.51% | 6.26% |
| 52 | EASTEX Evadale | 4.55% | 5.46% |
| 53 | BEAUMONT COMMUNITY Beaumont | 4.56% | 4.96% |
| 54 | PEAR ORCHARD Beaumont | 4.59% | 5.21% |
| 55 | WESTEX Lubbock | 4.63% | 8.48% |
| 56 | TRAVIS COUNTY Austin | 4.64% | 5.49% |
| 57 | I.B.E.W. LU 66 PASADENA | 4.66% | 5.65% |
| 58 | SEAGOVILLE Seagoville | 4.68% | 5.38% |
| 59 | TEXAS ASSOCIATIONS OF PROFESSIONALS San Antonio | 4.69% | 6.68% |
| 60 | VICTORIA CITY-COUNTY EMPLOYEES Victoria | 4.71% | 5.10% |
| 61 | COMMUNITY SERVICE Huntsville | 4.74% | 4.99% |
| 62 | FORT WORTH COMMUNITY Bedford | 4.74% | 5.09% |
| 63 | BRAZOS VALLEY SCHOOLS Katy | 4.74% | 4.74% |
| 64 | COMMUNITIES OF ABILENE Abilene | 4.74% | 5.04% |
| 65 | SANTA FE Amarillo | 4.74% | 6.10% |
| 66 | SCURRY COUNTY SCHOOL SNYDER | 4.75% | 7.00% |
| 67 | RIO GRANDE VALLEY CREDIT UNION Harlingen | 4.77% | 5.42% |
| 68 | KEYSTONE Tyler | 4.78% | 8.21% |
| 69 | PORT TERMINAL Houston | 4.78% | 8.50% |
| 70 | NAFT Pharr | 4.78% | 4.95% |
| 71 | SWEMP TEXARKANA | 4.79% | 6.95% |
| 72 | OAK CLIFF CHRISTIAN Dallas | 4.80% | 6.64% |
| 73 | SWEETEX Longview | 4.80% | 5.90% |
| 74 | AMPLIFY Austin | 4.80% | 4.80% |
| 75 | FIRST WATCH Abilene | 4.86% | 5.40% |
| 76 | MCLENNAN COUNTY EMPLOYEES Waco | 4.87% | 6.75% |
| 77 | BAPTIST San Antonio | 4.88% | 5.90% |
| 78 | SOUTH TEXAS REGIONAL Laredo | 4.90% | 5.50% |
| 79 | SEMINOLE PUBLIC SCHOOLS Seminole | 4.90% | 6.90% |
| 80 | SYNERGY San Antonio | 4.90% | 4.90% |
| 81 | HEART O' TEXAS Waco | 4.90% | 4.90% |
| 82 | UNITED ENERGY Humble | 4.91% | 6.34% |
| 83 | BIG SPRING EDUCATION EMPLOYEES BIG SPRING | 4.95% | 5.79% |
| 84 | MEMBERS FIRST Corpus Christi | 4.95% | 4.95% |
| 85 | CREDIT UNION OF TEXAS Allen | 4.95% | 4.95% |
| 86 | TEXAS BRIDGE CORPUS CHRISTI | 4.96% | 6.60% |
| 87 | PANTEX Borger | 4.97% | 5.21% |
| 88 | TEMPLE SANTA FE COMMUNITY Temple | 4.98% | 6.50% |
| 89 | SCOTT AND WHITE EMPLOYEES Temple | 4.99% | 18.00% |
| 90 | PECU Austin | 4.99% | 5.59% |
| 91 | NIZARI PROGRESSIVE Sugar Land | 4.99% | 5.31% |
| 92 | JSC Houston | 4.99% | 5.99% |
| 93 | AMERICAN AIRLINES Fort Worth | 4.99% | 5.64% |
| 94 | P.I.E. Houston | 4.99% | 5.99% |
| 95 | HOUSTON POLICE Houston | 4.99% | 4.99% |
| 96 | SMART FINANCIAL Houston | 4.99% | 5.24% |
| 97 | WACO WACO | 5.00% | 7.00% |
| 98 | AMERICAN BAPTIST ASSOCIATION Angleton | 5.00% | 17.00% |
| 99 | COASTLIFE Corpus Christi | 5.00% | 5.00% |
| 100 | ILA 28 Pasadena | 5.00% | 6.00% |
| 101 | TEXAS LEE Houston | 5.00% | 7.00% |
| 102 | IRVING CITY EMPLOYEES Irving | 5.00% | 5.00% |
| 103 | MIDWESTERN STATE UNIVERSITY Wichita Falls | 5.00% | 6.50% |
| 104 | LEHRER INTERESTS GARWOOD | 5.00% | 6.00% |
| 105 | UNION SQUARE Wichita Falls | 5.00% | 5.49% |
| 106 | PLAINS Plainview | 5.00% | 10.00% |
| 107 | GREATER CENTRAL TEXAS KILLEEN | 5.00% | 5.50% |
| 108 | ALCON EMPLOYEES Fort Worth | 5.03% | 7.11% |
| 109 | JACKSON COUNTY Edna | 5.03% | 6.19% |
| 110 | AUSTIN TELCO Austin | 5.04% | 5.04% |
| 111 | BAYCEL BAY CITY | 5.05% | 6.00% |
| 112 | J.C.T. Edna | 5.05% | 5.52% |
| 113 | 4U Gainesville | 5.08% | 5.37% |
| 114 | ONE SOURCE EL PASO | 5.09% | 5.09% |
| 115 | TEXANS Richardson | 5.09% | 5.69% |
| 116 | HIGHWAY DISTRICT 2 Fort Worth | 5.10% | 7.07% |
| 117 | FEDERAL EMPLOYEES TEXARKANA | 5.12% | 6.93% |
| 118 | LAREDO FIRE DEPARTMENT Laredo | 5.14% | 6.90% |
| 119 | GULF Groves | 5.14% | 5.20% |
| 120 | FIRST BASIN Odessa | 5.15% | 5.15% |
| 121 | LIBERTYONE Arlington | 5.15% | 5.15% |
| 122 | SOUTHERN Houston | 5.15% | 5.49% |
| 123 | METRO MEDICAL Dallas | 5.15% | 5.15% |
| 124 | SOUTHWEST RESEARCH CENTER San Antonio | 5.17% | 5.56% |
| 125 | ANDERSON COUNTY Palestine | 5.18% | 7.23% |
| 126 | PORT ARTHUR TEACHERS PORT ARTHUR | 5.20% | 6.65% |
| 127 | NATURAL RESOURCES CONSERVATION SERV Fort Worth | 5.20% | 6.56% |
| 128 | ROCKDALE Rockdale | 5.24% | 6.04% |
| 129 | INTOUCH PLANO | 5.24% | 5.24% |
| 130 | CITY Dallas | 5.24% | 4.99% |
| 131 | MEMBERS Cleburne | 5.24% | 5.24% |
| 132 | UNITED Tyler | 5.24% | 5.74% |
| 133 | RAVE FINANCIAL Beaumont | 5.25% | 5.25% |
| 134 | MID-TEX BROWNWOOD | 5.25% | 5.25% |
| 135 | SELECT SAN ANTONIO | 5.25% | 8.25% |
| 136 | CEN TEX MANUFACTURING Brownwood | 5.25% | 5.45% |
| 137 | RANDOLPH-BROOKS UNIVERSAL CITY | 5.25% | 5.25% |
| 138 | ENERGY CAPITAL Houston | 5.25% | 5.25% |
| 139 | NORTHEAST TEXAS TEACHERS Paris | 5.25% | 6.65% |
| 140 | MESQUITE Mesquite | 5.26% | 5.19% |
| 141 | MCT Port Neches | 5.28% | 5.52% |
| 142 | MET TRAN Houston | 5.30% | 5.30% |
| 143 | VICTORIA TEACHERS Victoria | 5.30% | 6.57% |
| 144 | BEN E KEITH COMPANY EMPLOYEES Fort Worth | 5.31% | 5.93% |
| 145 | FANNIN BONHAM | 5.33% | 7.57% |
| 146 | HOUSTON HIGHWAY Houston | 5.33% | 5.00% |
| 147 | FORT WORTH CITY Fort Worth | 5.34% | 5.34% |
| 148 | LUBRIZOL EMPLOYEES' Deer Park | 5.35% | 5.68% |
| 149 | SABINE Orange | 5.36% | 5.80% |
| 150 | GALVESTON GOVERNMENT EMPLOYEES Dickinson | 5.36% | 6.20% |
| 151 | TXDOT Abilene | 5.36% | 6.81% |
| 152 | CONCHO EDUCATORS SAN ANGELO | 5.36% | 5.94% |
| 153 | TEXELL Temple | 5.39% | 5.89% |
| 154 | FIRST SERVICE Houston | 5.39% | 5.89% |
| 155 | LAREDO Laredo | 5.40% | 6.25% |
| 156 | WINDTHORST WINDTHORST | 5.42% | 7.05% |
| 157 | DATCU DENTON | 5.44% | 5.64% |
| 158 | COMMON CENTS Beaumont | 5.44% | 5.91% |
| 159 | EDUCATION FIRST Beaumont | 5.45% | 5.99% |
| 160 | BCM Houston | 5.45% | 5.45% |
| 161 | ABILENE TEACHERS Abilene | 5.46% | 6.45% |
| 162 | ACCESS COMMUNITY Amarillo | 5.49% | 6.49% |
| 163 | SHELL Deer Park | 5.49% | 5.74% |
| 164 | E M O T Abilene | 5.49% | 7.69% |
| 165 | GULF SHORE Texas City | 5.49% | 5.79% |
| 166 | BELTON Belton | 5.49% | 5.59% |
| 167 | MY COMMUNITY Midland | 5.49% | 5.74% |
| 168 | GRAND PRAIRIE GRAND PRAIRIE | 5.50% | 5.50% |
| 169 | BAYLOR HEALTH CARE SYSTEM Dallas | 5.50% | 5.50% |
| 170 | MEMBERS FINANCIAL Midland | 5.50% | 5.75% |
| 171 | HOUSTON TEXAS FIRE FIGHTERS Houston | 5.50% | 5.50% |
| 172 | STARR COUNTY TEACHERS Rio Grande City | 5.52% | 7.06% |
| 173 | TYLER CITY EMPLOYEES Tyler | 5.52% | 7.74% |
| 174 | METHODIST HOSPITAL EMPLOYEES Dallas | 5.53% | 7.07% |
| 175 | WELLSPRING Bridge City | 5.53% | 6.84% |
| 176 | NEIGHBORHOOD Dallas | 5.55% | 6.31% |
| 177 | ADVANCIAL Dallas | 5.56% | 7.40% |
| 178 | WICHITA FALLS TEACHERS Wichita Falls | 5.56% | 6.21% |
| 179 | GENCO Waco | 5.57% | 5.82% |
| 180 | FRIONA TEXAS Friona | 5.57% | 6.95% |
| 181 | INVESTEX Humble | 5.57% | 6.22% |
| 182 | THD DISTRICT 17 Bryan | 5.59% | 9.22% |
| 183 | MEMBERSOURCE Houston | 5.59% | 6.49% |
| 184 | CAPITOL Austin | 5.59% | 5.81% |
| 185 | STAR FINANCIAL Corpus Christi | 5.59% | 8.43% |
| 186 | BROWNSVILLE CITY EMPLOYEES BROWNSVILLE | 5.60% | 6.00% |
| 187 | SACRED HEART PARISH HALLETTSVILLE Hallettsville | 5.63% | 6.29% |
| 188 | FIRST COMMUNITY Houston | 5.63% | 5.63% |
| 189 | ASSOCIATED CREDIT UNION OF TEXAS League City | 5.63% | 7.48% |
| 190 | CAPROCK LAMESA | 5.64% | 5.73% |
| 191 | TEXAS TRUST Mansfield | 5.65% | 4.99% |
| 192 | GOVERNMENT EMPLOYEES Austin | 5.65% | 5.65% |
| 193 | CAL-COM Port Lavaca | 5.66% | 6.96% |
| 194 | AMERICA'S GARLAND | 5.69% | 5.69% |
| 195 | TEXAS DOW EMPLOYEES Houston | 5.70% | 5.70% |
| 196 | LIFETIME Richardson | 5.71% | 5.98% |
| 197 | A+ Austin | 5.74% | 5.74% |
| 198 | AUSTIN AUSTIN | 5.74% | 5.49% |
| 199 | TEXAN SKY Dumas | 5.74% | 5.74% |
| 200 | MORRIS SHEPPARD TEXARKANA TEXARKANA | 5.74% | 5.74% |
| 201 | DOCHES Nacogdoches | 5.74% | 6.46% |
| 202 | MEMBERS CHOICE Houston | 5.74% | 6.99% |
| 203 | TEXAS PEOPLE Fort Worth | 5.75% | 6.25% |
| 204 | CHEMCEL BISHOP | 5.75% | 5.75% |
| 205 | HOUSTON Sugar Land | 5.75% | 4.95% |
| 206 | FREESTONE Teague | 5.75% | 9.00% |
| 207 | HIGHWAY EMPLOYEES Tyler | 5.75% | 7.75% |
| 208 | GULF COAST CORPUS CHRISTI | 5.75% | 5.75% |
| 209 | 1ST UNIVERSITY Waco | 5.76% | 7.90% |
| 210 | UNITED HERITAGE Austin | 5.81% | 5.81% |
| 211 | OLD OCEAN Sweeny | 5.81% | 6.65% |
| 212 | TEXAS DPS Austin | 5.82% | 6.13% |
| 213 | SWEETWATER REGIONAL Sweetwater | 5.83% | 6.77% |
| 214 | ACFCU Amarillo | 5.84% | 7.13% |
| 215 | LIGHT COMMERCE HOUSTON | 5.84% | 7.81% |
| 216 | AMOCO Texas City | 5.84% | 6.48% |
| 217 | MEMORIAL Houston | 5.85% | 6.85% |
| 218 | UNION FIDELITY Houston | 5.86% | 9.23% |
| 219 | GECU El Paso | 5.89% | 5.89% |
| 220 | BP Houston | 5.89% | 5.89% |
| 221 | REED HOUSTON | 5.90% | 5.90% |
| 222 | COVENANT SAVINGS Killeen | 5.90% | 6.90% |
| 223 | REEVES COUNTY TEACHERS Pecos | 5.90% | 7.90% |
| 224 | MEMBERS CHOICE OF CENTRAL TEXAS WACO | 5.90% | 6.25% |
| 225 | CHEROKEE COUNTY TEACHERS RUSK | 5.90% | 8.30% |
| 226 | VICTORIA VICTORIA | 5.95% | 7.81% |
| 227 | GENERATIONS COMMUNITY San Antonio | 5.95% | 6.15% |
| 228 | EDUCATION Amarillo | 5.97% | 7.87% |
| 229 | UNITED COMMUNITY Houston | 5.97% | 6.45% |
| 230 | CENTEX CITIZENS Mexia | 5.97% | 7.49% |
| 231 | SOUTHWEST 66 ODESSA | 5.98% | 6.58% |
| 232 | PRESTIGE COMMUNITY Dallas | 5.99% | 6.68% |
| 233 | COMMUNITY RESOURCE Baytown | 5.99% | 5.49% |
| 234 | GERMANIA Brenham | 5.99% | 6.49% |
| 235 | MCMURREY TYLER | 5.99% | 6.99% |
| 236 | FIRST PRIORITY Abilene | 5.99% | 5.99% |
| 237 | HARRIS COUNTY Houston | 5.99% | 6.99% |
| 238 | NECHES Port Neches | 6.00% | 5.50% |
| 239 | COWBOY COUNTRY PREMONT | 6.00% | 7.50% |
| 240 | LONE STAR Dallas | 6.00% | 6.00% |
| 241 | FIRSTLIGHT El Paso | 6.00% | 5.00% |
| 242 | MY Haslet | 6.00% | 6.50% |
| 243 | CONCHO VALLEY San Angelo | 6.00% | 6.00% |
| 244 | PORT OF HOUSTON Houston | 6.00% | 7.00% |
| 245 | COASTAL BEND P O Victoria | 6.00% | 7.50% |
| 246 | TEXAR TEXARKANA | 6.00% | 6.06% |
| 247 | MARSHALL T & P EMPLOYEES MARSHALL | 6.00% | 7.00% |
| 248 | THE PEOPLE'S Amarillo | 6.04% | 6.44% |
| 249 | WICHITA FALLS Wichita Falls | 6.04% | 8.34% |
| 250 | T & P LONGVIEW Longview | 6.05% | 7.16% |
| 251 | GULF COAST EDUCATORS Pasadena | 6.05% | 6.82% |
| 252 | RIVER CITY San Antonio | 6.05% | 7.16% |
| 253 | CORPUS CHRISTI POSTAL EMPLOYEES Corpus Christi | 6.08% | 8.35% |
| 254 | CABOT COMMUNITY Pampa | 6.09% | 7.20% |
| 255 | DUGOOD BEAUMONT | 6.10% | 6.10% |
| 256 | SHARED RESOURCES Pasadena | 6.15% | 5.90% |
| 257 | TARRANT COUNTY'S CREDIT UNION Fort Worth | 6.15% | 6.90% |
| 258 | TEXAS BAY Houston | 6.18% | 6.72% |
| 259 | OAK FARMS EMPLOYEES HOUSTON | 6.18% | 8.80% |
| 260 | KELLY COMMUNITY Tyler | 6.19% | 7.48% |
| 261 | ILA 1351 La Porte | 6.19% | 7.00% |
| 262 | LA JOYA AREA La Joya | 6.20% | 7.03% |
| 263 | RESOURCE ONE Dallas | 6.22% | 6.72% |
| 264 | ASPIRE Lufkin | 6.22% | 6.89% |
| 265 | NEIMAN MARCUS GROUP EMPLOYEES Dallas | 6.23% | 6.75% |
| 266 | YANTIS YANTIS | 6.23% | 8.25% |
| 267 | LUFKIN Lufkin | 6.24% | 6.98% |
| 268 | BEACON La Porte | 6.24% | 5.49% |
| 269 | EAST TEXAS PROFESSIONAL Longview | 6.24% | 7.36% |
| 270 | REFUGIO COUNTY Refugio | 6.25% | 8.05% |
| 271 | BROWNFIELD Brownfield | 6.25% | 7.25% |
| 272 | HEREFORD TEXAS Hereford | 6.25% | 8.88% |
| 273 | DOMINO Texarkana | 6.25% | 6.80% |
| 274 | HOCKLEY COUNTY Levelland | 6.25% | 8.25% |
| 275 | COBURN Beaumont | 6.25% | 7.75% |
| 276 | MOORE COUNTY SCHOOLS Dumas | 6.25% | 7.41% |
| 277 | KERR COUNTY Kerrville | 6.26% | 7.52% |
| 278 | CITY AMARILLO | 6.26% | 7.72% |
| 279 | PRIORITY TRUST Houston | 6.29% | 6.56% |
| 280 | COASTAL COMMUNITY Galveston | 6.29% | 7.20% |
| 281 | MIDLAND MUNICIPAL EMPLOYEES Midland | 6.30% | 6.10% |
| 282 | ALLIANCE Lubbock | 6.33% | 7.98% |
| 283 | UNION PACIFIC EMPLOYEES Beaumont | 6.34% | 8.17% |
| 284 | VALWOOD PARK Carrollton | 6.40% | 6.94% |
| 285 | WEST TEXAS Odessa | 6.41% | 7.98% |
| 286 | GREATER TEXAS AUSTIN | 6.42% | 6.70% |
| 287 | TEXARKANA TERMINAL EMPLOYEES TEXARKANA | 6.44% | 6.44% |
| 288 | STAR OF TEXAS austin | 6.46% | 6.72% |
| 289 | TRINITY VALLEY TEACHERS Palestine | 6.49% | 5.99% |
| 290 | TEXAS HEALTH AUSTIN | 6.49% | 6.49% |
| 291 | BAKER HUGHES Houston | 6.49% | 7.70% |
| 292 | NSPIRE Sinton | 6.50% | 6.50% |
| 293 | PRIMEWAY Houston | 6.50% | 7.00% |
| 294 | HALE COUNTY TEACHERS Plainview | 6.50% | 7.47% |
| 295 | SOUTHERN STAR Houston | 6.50% | 6.75% |
| 296 | GOLDEN TRIANGLE Groves | 6.50% | 6.50% |
| 297 | CITIZENS Big Spring | 6.50% | 6.50% |
| 298 | MEMBERS TRUST OF THE SOUTHWEST Houston | 6.52% | 6.52% |
| 299 | PILGRIM CUCC Houston | 6.52% | 7.50% |
| 300 | KBR HERITAGE HOUSTON | 6.52% | 6.52% |
| 301 | SCHLUMBERGER EMPLOYEES Sugar Land | 6.58% | 7.03% |
| 302 | LINKAGE WACO | 6.59% | 8.14% |
| 303 | REDEEMER Plano | 6.59% | 7.96% |
| 304 | TEXASGULF Wharton | 6.60% | 9.52% |
| 305 | YOAKUM COUNTY PLAINS | 6.61% | 8.16% |
| 306 | VATAT Austin | 6.63% | 7.07% |
| 307 | ROCKET McGregor | 6.64% | 8.18% |
| 308 | BORDER Del Rio | 6.66% | 8.75% |
| 309 | SOUTHWEST HERITAGE Odessa | 6.71% | 7.12% |
| 310 | NAVARRO Corsicana | 6.75% | 9.25% |
| 311 | CAPROCK SANTA FE SLATON | 6.75% | 9.90% |
| 312 | ELLIS COUNTY TEACHERS AND EMPLOYEES WAXAHACHIE | 6.75% | 6.99% |
| 313 | DEL RIO S.P. DEL RIO | 6.76% | 10.59% |
| 314 | SHERWIN Portland | 6.79% | 10.01% |
| 315 | NCE CORPUS CHRISTI | 6.80% | 7.00% |
| 316 | TELCO PLUS LONGVIEW | 6.85% | 9.58% |
| 317 | SECURITY SERVICE San Antonio | 6.85% | 5.65% |
| 318 | TEX MEX Laredo | 6.86% | 8.07% |
| 319 | TEXSTAR Kenedy | 6.86% | 7.02% |
| 320 | DALLAS U.P. EMPLOYEES Dallas | 6.89% | 14.00% |
| 321 | TRANS TEXAS SOUTHWEST San Angelo | 6.89% | 10.49% |
| 322 | TEXOMA COMMUNITY Wichita Falls | 6.90% | 7.09% |
| 323 | EECU Fort Worth | 6.99% | 5.99% |
| 324 | TEXOMA EDUCATORS SHERMAN | 6.99% | 6.99% |
| 325 | SOARION SAN ANTONIO | 6.99% | 7.79% |
| 326 | HIGHWAY DISTRICT 9 WACO | 7.00% | 13.00% |
| 327 | FANNIN COUNTY TEACHERS BONHAM | 7.00% | 9.00% |
| 328 | SOUTHWEST AIRLINES Dallas | 7.00% | 4.72% |
| 329 | MEMBER PREFERRED Fort Worth | 7.00% | 8.50% |
| 330 | EMPOWERMENT COMMUNITY DEVELOPMENT Houston | 7.03% | 7.99% |
| 331 | SOUTHLAND Lufkin | 7.08% | 7.77% |
| 332 | HOUSTON BELT & TERMINAL HUMBLE | 7.10% | 8.95% |
| 333 | CHEROKEE COUNTY Rusk | 7.10% | 7.90% |
| 334 | CITY PUBLIC SERVICE/IBEW San Antonio | 7.12% | 8.08% |
| 335 | CREDIT HUMAN San Antonio | 7.19% | 6.29% |
| 336 | RED RIVER EMPLOYEES Texarkana | 7.28% | 8.57% |
| 337 | LIBERTY COUNTY TEACHERS Liberty | 7.32% | 8.32% |
| 338 | TEXAS PLAINS Amarillo | 7.35% | 5.30% |
| 339 | VELOCITY Austin | 7.39% | 7.77% |
| 340 | MTCU Midland | 7.39% | 7.89% |
| 341 | SECURITY FIRST MCALLEN | 7.48% | 8.13% |
| 342 | CORNER STONE lancaster | 7.50% | 7.50% |
| 343 | LCRA Austin | 7.50% | 7.50% |
| 344 | FIRSTMARK San Antonio | 7.50% | 6.88% |
| 345 | BRENTWOOD BAPTIST CHURCH Houston | 7.50% | 9.50% |
| 346 | INTERCORP AMARILLO | 7.58% | 11.28% |
| 347 | LOCAL 24 EMPLOYEES Pasadena | 7.66% | 9.85% |
| 348 | 1ST COMMUNITY San Angelo | 7.67% | 7.96% |
| 349 | TEXAS COMMUNITY KINGSVILLE | 7.69% | 8.91% |
| 350 | U. S. I. Deer Park | 7.83% | 7.99% |
| 351 | PAMPA MUNICIPAL Pampa | 7.93% | 7.93% |
| 352 | LONGVIEW White Oak | 7.95% | 8.95% |
| 353 | COOPERATIVE TEACHERS Tyler | 7.95% | 9.61% |
| 354 | EVOLVE El Paso | 7.95% | 7.95% |
| 355 | CORPUS CHRISTI S.P. Corpus Christi | 8.00% | 9.05% |
| 356 | FRIO COUNTY Pearsall | 8.00% | 7.98% |
| 357 | MOBILITY CREDIT UNION Irving | 8.00% | 6.80% |
| 358 | ANGELINA COUNTY TEACHERS LUFKIN | 8.00% | 12.00% |
| 359 | LOCAL 20 IBEW GRAND PRAIRIE | 8.15% | 10.38% |
| 360 | FIVEPOINT Nederland | 8.25% | 9.84% |
| 361 | W T N M ATLANTIC DENVER CITY | 8.28% | 10.96% |
| 362 | H E B San Antonio | 8.50% | 8.50% |
| 363 | FARMERS BRANCH CITY EMPLOYEES FARMERS BRANCH | 8.50% | 10.50% |
| 364 | ALBA-GOLDEN Alba | 8.60% | 9.36% |
| 365 | SP TRAINMEN Houston | 8.64% | 11.83% |
| 366 | POSTEL FAMILY Wichita Falls | 8.68% | 10.31% |
| 367 | SOUTHWEST FINANCIAL Farmers Branch | 8.75% | 9.78% |
| 368 | RAIZ EL PASO | 8.81% | 8.64% |
| 369 | COSDEN BIG SPRING | 8.90% | 7.66% |
| 370 | ODESSA EMPLOYEES Odessa | 9.00% | 9.00% |
| 371 | PORT OF HOUSTON WAREHOUSE Houston | 9.58% | 10.13% |
| 372 | PORT ARTHUR COMMUNITY Port Arthur | 9.71% | 9.68% |
| 373 | COCHRAN COUNTY SCHOOLS MORTON | 9.98% | 11.98% |
| 374 | FIRST CENTRAL Waco | 10.03% | 10.81% |
| 375 | BAYOU CITY HOUSTON | 10.50% | 14.40% |
| 376 | SKEL-TEX skellytown | 10.58% | 11.08% |
| 377 | THE LOCAL Dallas | 12.50% | 12.75% |
378 credit unions with reported rates, sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | MOPAC EMPLOYEES Palestine | 2.99% | 1.99% |
| 2 | B. P. S. Beeville | 3.00% | 3.00% |
| 3 | NORTHEAST PANHANDLE TEACHERS Perryton | 3.46% | 3.49% |
| 4 | CY-FAIR Houston | 3.49% | 2.49% |
| 5 | EDUCATORS WACO | 3.99% | 3.99% |
| 6 | CITY OF DEER PARK Deer Park | 3.99% | 3.99% |
| 7 | ALLIED ARLINGTON | 3.99% | 4.39% |
| 8 | TEMPLE-INLAND Diboll | 4.00% | 4.00% |
| 9 | PAMPA TEACHERS Pampa | 4.00% | 4.00% |
| 10 | HIGHWAY DISTRICT 21 MCALLEN | 4.21% | 4.31% |
| 11 | BRAZOS COMMUNITY Alvin | 4.24% | 4.24% |
| 12 | MATAGORDA COUNTY Bay City | 4.25% | 4.25% |
| 13 | VIDOR TEACHERS Vidor | 4.25% | 4.25% |
| 14 | EDINBURG TEACHERS Edinburg | 4.35% | 4.30% |
| 15 | FAITH COOPERATIVE Dallas | 4.40% | 3.35% |
| 16 | SOUTH TEXAS McALLEN | 4.49% | 3.68% |
| 17 | WALKER COUNTY Huntsville | 4.49% | 4.49% |
| 18 | HIGHWAY DISTRICT 19 EMPLOYEES ATLANTA | 4.49% | 4.49% |
| 19 | PASADENA MUNICIPAL Pasadena | 4.50% | 3.25% |
| 20 | SAN ANGELO SAN ANGELO | 4.50% | 4.25% |
| 21 | S.T.E.C. NURSERY | 4.50% | 4.50% |
| 22 | AMARILLO POSTAL EMPLOYEES AMARILLO | 4.50% | 4.50% |
| 23 | SOUTHWEST AIRLINES Dallas | 4.72% | 7.00% |
| 24 | BRAZOS VALLEY SCHOOLS Katy | 4.74% | 4.74% |
| 25 | U. S. EMPLOYEES Tomball | 4.75% | 4.49% |
| 26 | PIONEER MUTUAL SUGAR LAND | 4.76% | 4.12% |
| 27 | AMPLIFY Austin | 4.80% | 4.80% |
| 28 | TEXAS TECH Lubbock | 4.85% | 3.59% |
| 29 | SYNERGY San Antonio | 4.90% | 4.90% |
| 30 | HEART O' TEXAS Waco | 4.90% | 4.90% |
| 31 | ALPINE COMMUNITY Alpine | 4.92% | 3.81% |
| 32 | COMPLEX COMMUNITY ODESSA | 4.95% | 1.90% |
| 33 | NAFT Pharr | 4.95% | 4.78% |
| 34 | MEMBERS FIRST Corpus Christi | 4.95% | 4.95% |
| 35 | CREDIT UNION OF TEXAS Allen | 4.95% | 4.95% |
| 36 | HOUSTON Sugar Land | 4.95% | 5.75% |
| 37 | BEAUMONT COMMUNITY Beaumont | 4.96% | 4.56% |
| 38 | UNIVERSITY AUSTIN | 4.99% | 1.95% |
| 39 | COMMUNITY SERVICE Huntsville | 4.99% | 4.74% |
| 40 | HOUSTON POLICE Houston | 4.99% | 4.99% |
| 41 | CITY Dallas | 4.99% | 5.24% |
| 42 | TEXAS TRUST Mansfield | 4.99% | 5.65% |
| 43 | SALT EMPLOYEES GRAND SALINE | 5.00% | 3.40% |
| 44 | COASTLIFE Corpus Christi | 5.00% | 5.00% |
| 45 | IRVING CITY EMPLOYEES Irving | 5.00% | 5.00% |
| 46 | HOUSTON HIGHWAY Houston | 5.00% | 5.33% |
| 47 | FIRSTLIGHT El Paso | 5.00% | 6.00% |
| 48 | COMMUNITIES OF ABILENE Abilene | 5.04% | 4.74% |
| 49 | AUSTIN TELCO Austin | 5.04% | 5.04% |
| 50 | FORT WORTH COMMUNITY Bedford | 5.09% | 4.74% |
| 51 | ONE SOURCE EL PASO | 5.09% | 5.09% |
| 52 | WHARTON COUNTY TEACHERS Wharton | 5.10% | 3.79% |
| 53 | CHOCOLATE BAYOU COMMUNITY Alvin | 5.10% | 4.34% |
| 54 | SERVICE 1ST Greenville | 5.10% | 4.45% |
| 55 | VICTORIA CITY-COUNTY EMPLOYEES Victoria | 5.10% | 4.71% |
| 56 | FIRST BASIN Odessa | 5.15% | 5.15% |
| 57 | LIBERTYONE Arlington | 5.15% | 5.15% |
| 58 | METRO MEDICAL Dallas | 5.15% | 5.15% |
| 59 | MESQUITE Mesquite | 5.19% | 5.26% |
| 60 | GULF Groves | 5.20% | 5.14% |
| 61 | PEAR ORCHARD Beaumont | 5.21% | 4.59% |
| 62 | PANTEX Borger | 5.21% | 4.97% |
| 63 | SMART FINANCIAL Houston | 5.24% | 4.99% |
| 64 | INTOUCH PLANO | 5.24% | 5.24% |
| 65 | MEMBERS Cleburne | 5.24% | 5.24% |
| 66 | RAVE FINANCIAL Beaumont | 5.25% | 5.25% |
| 67 | MID-TEX BROWNWOOD | 5.25% | 5.25% |
| 68 | RANDOLPH-BROOKS UNIVERSAL CITY | 5.25% | 5.25% |
| 69 | ENERGY CAPITAL Houston | 5.25% | 5.25% |
| 70 | MET TRAN Houston | 5.30% | 5.30% |
| 71 | TEXAS PLAINS Amarillo | 5.30% | 7.35% |
| 72 | NIZARI PROGRESSIVE Sugar Land | 5.31% | 4.99% |
| 73 | FORT WORTH CITY Fort Worth | 5.34% | 5.34% |
| 74 | 4U Gainesville | 5.37% | 5.08% |
| 75 | SEAGOVILLE Seagoville | 5.38% | 4.68% |
| 76 | FIRST WATCH Abilene | 5.40% | 4.86% |
| 77 | RIO GRANDE VALLEY CREDIT UNION Harlingen | 5.42% | 4.77% |
| 78 | CEN TEX MANUFACTURING Brownwood | 5.45% | 5.25% |
| 79 | BCM Houston | 5.45% | 5.45% |
| 80 | EASTEX Evadale | 5.46% | 4.55% |
| 81 | OUR MOTHER OF MERCY PARISH HOUSTON Houston | 5.48% | 3.95% |
| 82 | TRAVIS COUNTY Austin | 5.49% | 4.64% |
| 83 | UNION SQUARE Wichita Falls | 5.49% | 5.00% |
| 84 | SOUTHERN Houston | 5.49% | 5.15% |
| 85 | AUSTIN AUSTIN | 5.49% | 5.74% |
| 86 | COMMUNITY RESOURCE Baytown | 5.49% | 5.99% |
| 87 | BEACON La Porte | 5.49% | 6.24% |
| 88 | MUSICIANS Arlington | 5.50% | 3.25% |
| 89 | BRAZOS STAR College Station | 5.50% | 3.95% |
| 90 | SOUTH TEXAS REGIONAL Laredo | 5.50% | 4.90% |
| 91 | GREATER CENTRAL TEXAS KILLEEN | 5.50% | 5.00% |
| 92 | GRAND PRAIRIE GRAND PRAIRIE | 5.50% | 5.50% |
| 93 | BAYLOR HEALTH CARE SYSTEM Dallas | 5.50% | 5.50% |
| 94 | HOUSTON TEXAS FIRE FIGHTERS Houston | 5.50% | 5.50% |
| 95 | NECHES Port Neches | 5.50% | 6.00% |
| 96 | J.C.T. Edna | 5.52% | 5.05% |
| 97 | MCT Port Neches | 5.52% | 5.28% |
| 98 | SOUTHWEST RESEARCH CENTER San Antonio | 5.56% | 5.17% |
| 99 | PECU Austin | 5.59% | 4.99% |
| 100 | BELTON Belton | 5.59% | 5.49% |
| 101 | FIRST COMMUNITY Houston | 5.63% | 5.63% |
| 102 | AMERICAN AIRLINES Fort Worth | 5.64% | 4.99% |
| 103 | DATCU DENTON | 5.64% | 5.44% |
| 104 | I.B.E.W. LU 66 PASADENA | 5.65% | 4.66% |
| 105 | GOVERNMENT EMPLOYEES Austin | 5.65% | 5.65% |
| 106 | SECURITY SERVICE San Antonio | 5.65% | 6.85% |
| 107 | LUBRIZOL EMPLOYEES' Deer Park | 5.68% | 5.35% |
| 108 | TEXANS Richardson | 5.69% | 5.09% |
| 109 | AMERICA'S GARLAND | 5.69% | 5.69% |
| 110 | TEXAS DOW EMPLOYEES Houston | 5.70% | 5.70% |
| 111 | CAPROCK LAMESA | 5.73% | 5.64% |
| 112 | UNITED Tyler | 5.74% | 5.24% |
| 113 | SHELL Deer Park | 5.74% | 5.49% |
| 114 | MY COMMUNITY Midland | 5.74% | 5.49% |
| 115 | A+ Austin | 5.74% | 5.74% |
| 116 | TEXAN SKY Dumas | 5.74% | 5.74% |
| 117 | MORRIS SHEPPARD TEXARKANA TEXARKANA | 5.74% | 5.74% |
| 118 | MEMBERS FINANCIAL Midland | 5.75% | 5.50% |
| 119 | CHEMCEL BISHOP | 5.75% | 5.75% |
| 120 | GULF COAST CORPUS CHRISTI | 5.75% | 5.75% |
| 121 | LITTLEFIELD SCHOOL EMPLOYEES Littlefield | 5.75% | — |
| 122 | BIG SPRING EDUCATION EMPLOYEES BIG SPRING | 5.79% | 4.95% |
| 123 | GULF SHORE Texas City | 5.79% | 5.49% |
| 124 | SABINE Orange | 5.80% | 5.36% |
| 125 | CAPITOL Austin | 5.81% | 5.59% |
| 126 | UNITED HERITAGE Austin | 5.81% | 5.81% |
| 127 | GENCO Waco | 5.82% | 5.57% |
| 128 | TEXELL Temple | 5.89% | 5.39% |
| 129 | FIRST SERVICE Houston | 5.89% | 5.39% |
| 130 | GECU El Paso | 5.89% | 5.89% |
| 131 | BP Houston | 5.89% | 5.89% |
| 132 | SWEETEX Longview | 5.90% | 4.80% |
| 133 | BAPTIST San Antonio | 5.90% | 4.88% |
| 134 | REED HOUSTON | 5.90% | 5.90% |
| 135 | SHARED RESOURCES Pasadena | 5.90% | 6.15% |
| 136 | COMMON CENTS Beaumont | 5.91% | 5.44% |
| 137 | BEN E KEITH COMPANY EMPLOYEES Fort Worth | 5.93% | 5.31% |
| 138 | CONCHO EDUCATORS SAN ANGELO | 5.94% | 5.36% |
| 139 | UNITY ONE Fort Worth | 5.95% | 3.61% |
| 140 | LIFETIME Richardson | 5.98% | 5.71% |
| 141 | JSC Houston | 5.99% | 4.99% |
| 142 | P.I.E. Houston | 5.99% | 4.99% |
| 143 | EDUCATION FIRST Beaumont | 5.99% | 5.45% |
| 144 | FIRST PRIORITY Abilene | 5.99% | 5.99% |
| 145 | TRINITY VALLEY TEACHERS Palestine | 5.99% | 6.49% |
| 146 | EECU Fort Worth | 5.99% | 6.99% |
| 147 | CENTRAL TEXAS TEACHERS Corsicana | 6.00% | 4.00% |
| 148 | ILA 28 Pasadena | 6.00% | 5.00% |
| 149 | LEHRER INTERESTS GARWOOD | 6.00% | 5.00% |
| 150 | BAYCEL BAY CITY | 6.00% | 5.05% |
| 151 | BROWNSVILLE CITY EMPLOYEES BROWNSVILLE | 6.00% | 5.60% |
| 152 | LONE STAR Dallas | 6.00% | 6.00% |
| 153 | CONCHO VALLEY San Angelo | 6.00% | 6.00% |
| 154 | ROCKDALE Rockdale | 6.04% | 5.24% |
| 155 | TEXAR TEXARKANA | 6.06% | 6.00% |
| 156 | SANTA FE Amarillo | 6.10% | 4.74% |
| 157 | DUGOOD BEAUMONT | 6.10% | 6.10% |
| 158 | MIDLAND MUNICIPAL EMPLOYEES Midland | 6.10% | 6.30% |
| 159 | TEXAS DPS Austin | 6.13% | 5.82% |
| 160 | GENERATIONS COMMUNITY San Antonio | 6.15% | 5.95% |
| 161 | JACKSON COUNTY Edna | 6.19% | 5.03% |
| 162 | GALVESTON GOVERNMENT EMPLOYEES Dickinson | 6.20% | 5.36% |
| 163 | WICHITA FALLS TEACHERS Wichita Falls | 6.21% | 5.56% |
| 164 | INVESTEX Humble | 6.22% | 5.57% |
| 165 | ANDREWS SCHOOL Andrews | 6.25% | 4.25% |
| 166 | LAREDO Laredo | 6.25% | 5.40% |
| 167 | TEXAS PEOPLE Fort Worth | 6.25% | 5.75% |
| 168 | MEMBERS CHOICE OF CENTRAL TEXAS WACO | 6.25% | 5.90% |
| 169 | MOUNTAIN STAR El Paso | 6.26% | 4.51% |
| 170 | VALLEY Brownsville | 6.28% | 4.51% |
| 171 | SACRED HEART PARISH HALLETTSVILLE Hallettsville | 6.29% | 5.63% |
| 172 | CREDIT HUMAN San Antonio | 6.29% | 7.19% |
| 173 | NEIGHBORHOOD Dallas | 6.31% | 5.55% |
| 174 | UNITED ENERGY Humble | 6.34% | 4.91% |
| 175 | THE PEOPLE'S Amarillo | 6.44% | 6.04% |
| 176 | TEXARKANA TERMINAL EMPLOYEES TEXARKANA | 6.44% | 6.44% |
| 177 | ABILENE TEACHERS Abilene | 6.45% | 5.46% |
| 178 | UNITED COMMUNITY Houston | 6.45% | 5.97% |
| 179 | DOCHES Nacogdoches | 6.46% | 5.74% |
| 180 | AMOCO Texas City | 6.48% | 5.84% |
| 181 | ACCESS COMMUNITY Amarillo | 6.49% | 5.49% |
| 182 | MEMBERSOURCE Houston | 6.49% | 5.59% |
| 183 | GERMANIA Brenham | 6.49% | 5.99% |
| 184 | TEXAS HEALTH AUSTIN | 6.49% | 6.49% |
| 185 | ST. LUKE'S COMMUNITY Houston | 6.50% | 3.00% |
| 186 | TEMPLE SANTA FE COMMUNITY Temple | 6.50% | 4.98% |
| 187 | MIDWESTERN STATE UNIVERSITY Wichita Falls | 6.50% | 5.00% |
| 188 | MY Haslet | 6.50% | 6.00% |
| 189 | NSPIRE Sinton | 6.50% | 6.50% |
| 190 | GOLDEN TRIANGLE Groves | 6.50% | 6.50% |
| 191 | CITIZENS Big Spring | 6.50% | 6.50% |
| 192 | MEMBERS TRUST OF THE SOUTHWEST Houston | 6.52% | 6.52% |
| 193 | KBR HERITAGE HOUSTON | 6.52% | 6.52% |
| 194 | GOODYEAR SAN ANGELO SAN ANGELO | 6.55% | 4.50% |
| 195 | NATURAL RESOURCES CONSERVATION SERV Fort Worth | 6.56% | 5.20% |
| 196 | PRIORITY TRUST Houston | 6.56% | 6.29% |
| 197 | VICTORIA TEACHERS Victoria | 6.57% | 5.30% |
| 198 | SOUTHWEST 66 ODESSA | 6.58% | 5.98% |
| 199 | TEXAS BRIDGE CORPUS CHRISTI | 6.60% | 4.96% |
| 200 | ALAMO CITY San Antonio | 6.64% | 4.10% |
| 201 | OAK CLIFF CHRISTIAN Dallas | 6.64% | 4.80% |
| 202 | PORT ARTHUR TEACHERS PORT ARTHUR | 6.65% | 5.20% |
| 203 | NORTHEAST TEXAS TEACHERS Paris | 6.65% | 5.25% |
| 204 | OLD OCEAN Sweeny | 6.65% | 5.81% |
| 205 | TEXAS ASSOCIATIONS OF PROFESSIONALS San Antonio | 6.68% | 4.69% |
| 206 | PRESTIGE COMMUNITY Dallas | 6.68% | 5.99% |
| 207 | GREATER TEXAS AUSTIN | 6.70% | 6.42% |
| 208 | TEXAS BAY Houston | 6.72% | 6.18% |
| 209 | RESOURCE ONE Dallas | 6.72% | 6.22% |
| 210 | STAR OF TEXAS austin | 6.72% | 6.46% |
| 211 | MCLENNAN COUNTY EMPLOYEES Waco | 6.75% | 4.87% |
| 212 | NEIMAN MARCUS GROUP EMPLOYEES Dallas | 6.75% | 6.23% |
| 213 | SOUTHERN STAR Houston | 6.75% | 6.50% |
| 214 | SWEETWATER REGIONAL Sweetwater | 6.77% | 5.83% |
| 215 | DOMINO Texarkana | 6.80% | 6.25% |
| 216 | MOBILITY CREDIT UNION Irving | 6.80% | 8.00% |
| 217 | TXDOT Abilene | 6.81% | 5.36% |
| 218 | GULF COAST EDUCATORS Pasadena | 6.82% | 6.05% |
| 219 | WELLSPRING Bridge City | 6.84% | 5.53% |
| 220 | MEMORIAL Houston | 6.85% | 5.85% |
| 221 | HERITAGE USA Midland | 6.86% | 4.48% |
| 222 | FIRSTMARK San Antonio | 6.88% | 7.50% |
| 223 | ASPIRE Lufkin | 6.89% | 6.22% |
| 224 | SEMINOLE PUBLIC SCHOOLS Seminole | 6.90% | 4.90% |
| 225 | LAREDO FIRE DEPARTMENT Laredo | 6.90% | 5.14% |
| 226 | COVENANT SAVINGS Killeen | 6.90% | 5.90% |
| 227 | TARRANT COUNTY'S CREDIT UNION Fort Worth | 6.90% | 6.15% |
| 228 | FEDERAL EMPLOYEES TEXARKANA | 6.93% | 5.12% |
| 229 | VALWOOD PARK Carrollton | 6.94% | 6.40% |
| 230 | SWEMP TEXARKANA | 6.95% | 4.79% |
| 231 | FRIONA TEXAS Friona | 6.95% | 5.57% |
| 232 | CAL-COM Port Lavaca | 6.96% | 5.66% |
| 233 | LUFKIN Lufkin | 6.98% | 6.24% |
| 234 | MEMBERS CHOICE Houston | 6.99% | 5.74% |
| 235 | MCMURREY TYLER | 6.99% | 5.99% |
| 236 | HARRIS COUNTY Houston | 6.99% | 5.99% |
| 237 | ELLIS COUNTY TEACHERS AND EMPLOYEES WAXAHACHIE | 6.99% | 6.75% |
| 238 | TEXOMA EDUCATORS SHERMAN | 6.99% | 6.99% |
| 239 | SCURRY COUNTY SCHOOL SNYDER | 7.00% | 4.75% |
| 240 | WACO WACO | 7.00% | 5.00% |
| 241 | TEXAS LEE Houston | 7.00% | 5.00% |
| 242 | PORT OF HOUSTON Houston | 7.00% | 6.00% |
| 243 | MARSHALL T & P EMPLOYEES MARSHALL | 7.00% | 6.00% |
| 244 | ILA 1351 La Porte | 7.00% | 6.19% |
| 245 | PRIMEWAY Houston | 7.00% | 6.50% |
| 246 | NCE CORPUS CHRISTI | 7.00% | 6.80% |
| 247 | TEXSTAR Kenedy | 7.02% | 6.86% |
| 248 | LA JOYA AREA La Joya | 7.03% | 6.20% |
| 249 | SCHLUMBERGER EMPLOYEES Sugar Land | 7.03% | 6.58% |
| 250 | WINDTHORST WINDTHORST | 7.05% | 5.42% |
| 251 | STARR COUNTY TEACHERS Rio Grande City | 7.06% | 5.52% |
| 252 | HIGHWAY DISTRICT 2 Fort Worth | 7.07% | 5.10% |
| 253 | METHODIST HOSPITAL EMPLOYEES Dallas | 7.07% | 5.53% |
| 254 | VATAT Austin | 7.07% | 6.63% |
| 255 | TEXOMA COMMUNITY Wichita Falls | 7.09% | 6.90% |
| 256 | ALCON EMPLOYEES Fort Worth | 7.11% | 5.03% |
| 257 | SOUTHWEST HERITAGE Odessa | 7.12% | 6.71% |
| 258 | ACFCU Amarillo | 7.13% | 5.84% |
| 259 | T & P LONGVIEW Longview | 7.16% | 6.05% |
| 260 | RIVER CITY San Antonio | 7.16% | 6.05% |
| 261 | MOUNT OLIVE BAPTIST CHURCH Arlington | 7.17% | 3.20% |
| 262 | CABOT COMMUNITY Pampa | 7.20% | 6.09% |
| 263 | COASTAL COMMUNITY Galveston | 7.20% | 6.29% |
| 264 | ANDERSON COUNTY Palestine | 7.23% | 5.18% |
| 265 | BROWNFIELD Brownfield | 7.25% | 6.25% |
| 266 | EAST TEXAS PROFESSIONAL Longview | 7.36% | 6.24% |
| 267 | ADVANCIAL Dallas | 7.40% | 5.56% |
| 268 | MOORE COUNTY SCHOOLS Dumas | 7.41% | 6.25% |
| 269 | HALE COUNTY TEACHERS Plainview | 7.47% | 6.50% |
| 270 | ASSOCIATED CREDIT UNION OF TEXAS League City | 7.48% | 5.63% |
| 271 | KELLY COMMUNITY Tyler | 7.48% | 6.19% |
| 272 | RALLY Corpus Christi | 7.49% | 3.99% |
| 273 | CENTEX CITIZENS Mexia | 7.49% | 5.97% |
| 274 | COWBOY COUNTRY PREMONT | 7.50% | 6.00% |
| 275 | COASTAL BEND P O Victoria | 7.50% | 6.00% |
| 276 | PILGRIM CUCC Houston | 7.50% | 6.52% |
| 277 | CORNER STONE lancaster | 7.50% | 7.50% |
| 278 | LCRA Austin | 7.50% | 7.50% |
| 279 | KERR COUNTY Kerrville | 7.52% | 6.26% |
| 280 | FANNIN BONHAM | 7.57% | 5.33% |
| 281 | COSDEN BIG SPRING | 7.66% | 8.90% |
| 282 | E M O T Abilene | 7.69% | 5.49% |
| 283 | BAKER HUGHES Houston | 7.70% | 6.49% |
| 284 | CITY AMARILLO | 7.72% | 6.26% |
| 285 | TYLER CITY EMPLOYEES Tyler | 7.74% | 5.52% |
| 286 | HIGHWAY EMPLOYEES Tyler | 7.75% | 5.75% |
| 287 | COBURN Beaumont | 7.75% | 6.25% |
| 288 | SOUTHLAND Lufkin | 7.77% | 7.08% |
| 289 | VELOCITY Austin | 7.77% | 7.39% |
| 290 | SOARION SAN ANTONIO | 7.79% | 6.99% |
| 291 | LIGHT COMMERCE HOUSTON | 7.81% | 5.84% |
| 292 | VICTORIA VICTORIA | 7.81% | 5.95% |
| 293 | EDUCATION Amarillo | 7.87% | 5.97% |
| 294 | MTCU Midland | 7.89% | 7.39% |
| 295 | 1ST UNIVERSITY Waco | 7.90% | 5.76% |
| 296 | REEVES COUNTY TEACHERS Pecos | 7.90% | 5.90% |
| 297 | CHEROKEE COUNTY Rusk | 7.90% | 7.10% |
| 298 | PAMPA MUNICIPAL Pampa | 7.93% | 7.93% |
| 299 | EVOLVE El Paso | 7.95% | 7.95% |
| 300 | REDEEMER Plano | 7.96% | 6.59% |
| 301 | 1ST COMMUNITY San Angelo | 7.96% | 7.67% |
| 302 | ALLIANCE Lubbock | 7.98% | 6.33% |
| 303 | WEST TEXAS Odessa | 7.98% | 6.41% |
| 304 | FRIO COUNTY Pearsall | 7.98% | 8.00% |
| 305 | EMPOWERMENT COMMUNITY DEVELOPMENT Houston | 7.99% | 7.03% |
| 306 | U. S. I. Deer Park | 7.99% | 7.83% |
| 307 | REFUGIO COUNTY Refugio | 8.05% | 6.25% |
| 308 | TEX MEX Laredo | 8.07% | 6.86% |
| 309 | CITY PUBLIC SERVICE/IBEW San Antonio | 8.08% | 7.12% |
| 310 | LEFORS lefors | 8.12% | 4.42% |
| 311 | SECURITY FIRST MCALLEN | 8.13% | 7.48% |
| 312 | LINKAGE WACO | 8.14% | 6.59% |
| 313 | YOAKUM COUNTY PLAINS | 8.16% | 6.61% |
| 314 | UNION PACIFIC EMPLOYEES Beaumont | 8.17% | 6.34% |
| 315 | ROCKET McGregor | 8.18% | 6.64% |
| 316 | KEYSTONE Tyler | 8.21% | 4.78% |
| 317 | SELECT SAN ANTONIO | 8.25% | 5.25% |
| 318 | YANTIS YANTIS | 8.25% | 6.23% |
| 319 | HOCKLEY COUNTY Levelland | 8.25% | 6.25% |
| 320 | CHEROKEE COUNTY TEACHERS RUSK | 8.30% | 5.90% |
| 321 | LIBERTY COUNTY TEACHERS Liberty | 8.32% | 7.32% |
| 322 | WICHITA FALLS Wichita Falls | 8.34% | 6.04% |
| 323 | CORPUS CHRISTI POSTAL EMPLOYEES Corpus Christi | 8.35% | 6.08% |
| 324 | STAR FINANCIAL Corpus Christi | 8.43% | 5.59% |
| 325 | WESTEX Lubbock | 8.48% | 4.63% |
| 326 | PORT TERMINAL Houston | 8.50% | 4.78% |
| 327 | MEMBER PREFERRED Fort Worth | 8.50% | 7.00% |
| 328 | H E B San Antonio | 8.50% | 8.50% |
| 329 | RED RIVER EMPLOYEES Texarkana | 8.57% | 7.28% |
| 330 | RAIZ EL PASO | 8.64% | 8.81% |
| 331 | BORDER Del Rio | 8.75% | 6.66% |
| 332 | OAK FARMS EMPLOYEES HOUSTON | 8.80% | 6.18% |
| 333 | HEREFORD TEXAS Hereford | 8.88% | 6.25% |
| 334 | TEXAS COMMUNITY KINGSVILLE | 8.91% | 7.69% |
| 335 | HOUSTON BELT & TERMINAL HUMBLE | 8.95% | 7.10% |
| 336 | LONGVIEW White Oak | 8.95% | 7.95% |
| 337 | TEXHILLCO SCHOOL EMPLOYEES Kerrville | 9.00% | 4.00% |
| 338 | FREESTONE Teague | 9.00% | 5.75% |
| 339 | FANNIN COUNTY TEACHERS BONHAM | 9.00% | 7.00% |
| 340 | ODESSA EMPLOYEES Odessa | 9.00% | 9.00% |
| 341 | CORPUS CHRISTI S.P. Corpus Christi | 9.05% | 8.00% |
| 342 | THD DISTRICT 17 Bryan | 9.22% | 5.59% |
| 343 | UNION FIDELITY Houston | 9.23% | 5.86% |
| 344 | NAVARRO Corsicana | 9.25% | 6.75% |
| 345 | ALBA-GOLDEN Alba | 9.36% | 8.60% |
| 346 | BRENTWOOD BAPTIST CHURCH Houston | 9.50% | 7.50% |
| 347 | TEXASGULF Wharton | 9.52% | 6.60% |
| 348 | TELCO PLUS LONGVIEW | 9.58% | 6.85% |
| 349 | COOPERATIVE TEACHERS Tyler | 9.61% | 7.95% |
| 350 | PORT ARTHUR COMMUNITY Port Arthur | 9.68% | 9.71% |
| 351 | SOUTHWEST FINANCIAL Farmers Branch | 9.78% | 8.75% |
| 352 | FIVEPOINT Nederland | 9.84% | 8.25% |
| 353 | LOCAL 24 EMPLOYEES Pasadena | 9.85% | 7.66% |
| 354 | CAPROCK SANTA FE SLATON | 9.90% | 6.75% |
| 355 | PLAINS Plainview | 10.00% | 5.00% |
| 356 | SHERWIN Portland | 10.01% | 6.79% |
| 357 | PORT OF HOUSTON WAREHOUSE Houston | 10.13% | 9.58% |
| 358 | POSTEL FAMILY Wichita Falls | 10.31% | 8.68% |
| 359 | LOCAL 20 IBEW GRAND PRAIRIE | 10.38% | 8.15% |
| 360 | TRANS TEXAS SOUTHWEST San Angelo | 10.49% | 6.89% |
| 361 | FARMERS BRANCH CITY EMPLOYEES FARMERS BRANCH | 10.50% | 8.50% |
| 362 | DEL RIO S.P. DEL RIO | 10.59% | 6.76% |
| 363 | FIRST CENTRAL Waco | 10.81% | 10.03% |
| 364 | WESTEX COMMUNITY Kermit | 10.94% | 4.00% |
| 365 | W T N M ATLANTIC DENVER CITY | 10.96% | 8.28% |
| 366 | PARIS DISTRICT Paris | 11.00% | 2.90% |
| 367 | SKEL-TEX skellytown | 11.08% | 10.58% |
| 368 | INTERCORP AMARILLO | 11.28% | 7.58% |
| 369 | SP TRAINMEN Houston | 11.83% | 8.64% |
| 370 | COCHRAN COUNTY SCHOOLS MORTON | 11.98% | 9.98% |
| 371 | ANGELINA COUNTY TEACHERS LUFKIN | 12.00% | 8.00% |
| 372 | THE LOCAL Dallas | 12.75% | 12.50% |
| 373 | EMPLOYEES UNITED Paris | 13.00% | 4.50% |
| 374 | HIGHWAY DISTRICT 9 WACO | 13.00% | 7.00% |
| 375 | DALLAS U.P. EMPLOYEES Dallas | 14.00% | 6.89% |
| 376 | BAYOU CITY HOUSTON | 14.40% | 10.50% |
| 377 | AMERICAN BAPTIST ASSOCIATION Angleton | 17.00% | 5.00% |
| 378 | SCOTT AND WHITE EMPLOYEES Temple | 18.00% | 4.99% |
Most community credit unions in Texas accept anyone who lives, works, or worships in their service area. Some are employer-based with open membership through small donations to an affiliated organization. Check each credit union's profile for eligibility details.
Credit unions are nonprofits, so they return earnings to members in the form of lower loan rates and higher savings rates. On a $25,000 car loan over 60 months, even a 1% rate difference saves over $600 in interest.
These rates come directly from NCUA Call Report (5300) filings — the same quarterly financial data credit unions are required to submit to their federal regulator. They reflect each CU's reported weighted-average rate, not a promotional floor. Your actual rate will depend on credit score, term length, and vehicle age.
A pre-approval from a credit union lets you negotiate on price, not payment. The dealer can try to beat the rate — but you're in control either way.
Multiple auto loan applications within 14–45 days count as a single hard inquiry. Apply at several credit unions in the same two-week window and take the best offer.
See all credit unions by city, filter by rates, and check Google ratings.