Auto Loans · Austin, Texas
17 credit unions in Austin report car loan rates to the NCUA. Rates range from 1.95% to 7.50%.
Updated Q1 2026 · NCUA Call Report data
17
CUs Reporting Rates
1.95%
Lowest New Car Rate
5.69%
City Average Rate
17 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | UNIVERSITY ★ 4.3 · 61 reviews | 1.95% | 4.99% |
| 2 | TRAVIS COUNTY ★ 4.2 · 74 reviews | 4.64% | 5.49% |
| 3 | AMPLIFY ★ 3.9 · 229 reviews | 4.80% | 4.80% |
| 4 | PECU ★ 4.9 · 225 reviews | 4.99% | 5.59% |
| 5 | AUSTIN TELCO ★ 2.9 · 45 reviews | 5.04% | 5.04% |
| 6 | CAPITOL ★ 4.0 · 41 reviews | 5.59% | 5.81% |
| 7 | GOVERNMENT EMPLOYEES ★ 4.1 · 18 reviews | 5.65% | 5.65% |
| 8 | AUSTIN ★ 3.5 · 45 reviews | 5.74% | 5.49% |
| 9 | A+ ★ 4.6 · 1,150 reviews | 5.74% | 5.74% |
| 10 | UNITED HERITAGE ★ 3.8 · 72 reviews | 5.81% | 5.81% |
| 11 | TEXAS DPS ★ 4.0 · 46 reviews | 5.82% | 6.13% |
| 12 | GREATER TEXAS ★ 4.4 · 135 reviews | 6.42% | 6.70% |
| 13 | STAR OF TEXAS ★ 4.5 · 120 reviews | 6.46% | 6.72% |
| 14 | TEXAS HEALTH ★ 4.2 · 44 reviews | 6.49% | 6.49% |
| 15 | VATAT | 6.63% | 7.07% |
| 16 | VELOCITY ★ 3.8 · 385 reviews | 7.39% | 7.77% |
| 17 | LCRA ★ 4.6 · 10 reviews | 7.50% | 7.50% |
17 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | AMPLIFY ★ 3.9 · 229 reviews | 4.80% | 4.80% |
| 2 | UNIVERSITY ★ 4.3 · 61 reviews | 4.99% | 1.95% |
| 3 | AUSTIN TELCO ★ 2.9 · 45 reviews | 5.04% | 5.04% |
| 4 | TRAVIS COUNTY ★ 4.2 · 74 reviews | 5.49% | 4.64% |
| 5 | AUSTIN ★ 3.5 · 45 reviews | 5.49% | 5.74% |
| 6 | PECU ★ 4.9 · 225 reviews | 5.59% | 4.99% |
| 7 | GOVERNMENT EMPLOYEES ★ 4.1 · 18 reviews | 5.65% | 5.65% |
| 8 | A+ ★ 4.6 · 1,150 reviews | 5.74% | 5.74% |
| 9 | CAPITOL ★ 4.0 · 41 reviews | 5.81% | 5.59% |
| 10 | UNITED HERITAGE ★ 3.8 · 72 reviews | 5.81% | 5.81% |
| 11 | TEXAS DPS ★ 4.0 · 46 reviews | 6.13% | 5.82% |
| 12 | TEXAS HEALTH ★ 4.2 · 44 reviews | 6.49% | 6.49% |
| 13 | GREATER TEXAS ★ 4.4 · 135 reviews | 6.70% | 6.42% |
| 14 | STAR OF TEXAS ★ 4.5 · 120 reviews | 6.72% | 6.46% |
| 15 | VATAT | 7.07% | 6.63% |
| 16 | LCRA ★ 4.6 · 10 reviews | 7.50% | 7.50% |
| 17 | VELOCITY ★ 3.8 · 385 reviews | 7.77% | 7.39% |
A pre-approval from a Austin 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 Austin in the same window and take the best offer.
See member reviews, branch locations, and full rate details.