Auto Loans · Bonham, Texas
2 credit unions in Bonham report car loan rates to the NCUA. Rates range from 5.33% to 7.00%.
Updated Q1 2026 · NCUA Call Report data
2
CUs Reporting Rates
5.33%
Lowest New Car Rate
6.17%
City Average Rate
2 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | FANNIN ★ 3.7 · 52 reviews | 5.33% | 7.57% |
| 2 | FANNIN COUNTY TEACHERS | 7.00% | 9.00% |
2 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | FANNIN ★ 3.7 · 52 reviews | 7.57% | 5.33% |
| 2 | FANNIN COUNTY TEACHERS | 9.00% | 7.00% |
A pre-approval from a Bonham 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 Bonham in the same window and take the best offer.
See member reviews, branch locations, and full rate details.