Auto Loans · Big Spring, Texas
3 credit unions in Big Spring report car loan rates to the NCUA. Rates range from 4.95% to 8.90%.
Updated Q1 2026 · NCUA Call Report data
3
CUs Reporting Rates
4.95%
Lowest New Car Rate
6.78%
City Average Rate
3 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | BIG SPRING EDUCATION EMPLOYEES ★ 4.1 · 13 reviews | 4.95% | 5.79% |
| 2 | CITIZENS ★ 3.5 · 34 reviews | 6.50% | 6.50% |
| 3 | COSDEN ★ 4.5 · 108 reviews | 8.90% | 7.66% |
3 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | BIG SPRING EDUCATION EMPLOYEES ★ 4.1 · 13 reviews | 5.79% | 4.95% |
| 2 | CITIZENS ★ 3.5 · 34 reviews | 6.50% | 6.50% |
| 3 | COSDEN ★ 4.5 · 108 reviews | 7.66% | 8.90% |
A pre-approval from a Big Spring 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 Big Spring in the same window and take the best offer.
See member reviews, branch locations, and full rate details.