Auto Loans · Fort Worth, Texas
11 credit unions in Fort Worth report car loan rates to the NCUA. Rates range from 3.61% to 7.00%.
Updated Q1 2026 · NCUA Call Report data
11
CUs Reporting Rates
3.61%
Lowest New Car Rate
5.50%
City Average Rate
11 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | UNITY ONE ★ 3.4 · 77 reviews | 3.61% | 5.95% |
| 2 | AMERICAN AIRLINES ★ 3.6 · 116 reviews | 4.99% | 5.64% |
| 3 | ALCON EMPLOYEES ★ 3.7 · 7 reviews | 5.03% | 7.11% |
| 4 | HIGHWAY DISTRICT 2 ★ 4.5 · 8 reviews | 5.10% | 7.07% |
| 5 | NATURAL RESOURCES CONSERVATION SERV ★ 2.3 · 6 reviews | 5.20% | 6.56% |
| 6 | BEN E KEITH COMPANY EMPLOYEES ★ 3.7 · 9 reviews | 5.31% | 5.93% |
| 7 | FORT WORTH CITY ★ 4.6 · 321 reviews | 5.34% | 5.34% |
| 8 | TEXAS PEOPLE ★ 3.7 · 3 reviews | 5.75% | 6.25% |
| 9 | TARRANT COUNTY'S CREDIT UNION ★ 4.8 · 579 reviews | 6.15% | 6.90% |
| 10 | EECU ★ 3.4 · 271 reviews | 6.99% | 5.99% |
| 11 | MEMBER PREFERRED ★ 4.5 · 17 reviews | 7.00% | 8.50% |
11 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | FORT WORTH CITY ★ 4.6 · 321 reviews | 5.34% | 5.34% |
| 2 | AMERICAN AIRLINES ★ 3.6 · 116 reviews | 5.64% | 4.99% |
| 3 | BEN E KEITH COMPANY EMPLOYEES ★ 3.7 · 9 reviews | 5.93% | 5.31% |
| 4 | UNITY ONE ★ 3.4 · 77 reviews | 5.95% | 3.61% |
| 5 | EECU ★ 3.4 · 271 reviews | 5.99% | 6.99% |
| 6 | TEXAS PEOPLE ★ 3.7 · 3 reviews | 6.25% | 5.75% |
| 7 | NATURAL RESOURCES CONSERVATION SERV ★ 2.3 · 6 reviews | 6.56% | 5.20% |
| 8 | TARRANT COUNTY'S CREDIT UNION ★ 4.8 · 579 reviews | 6.90% | 6.15% |
| 9 | HIGHWAY DISTRICT 2 ★ 4.5 · 8 reviews | 7.07% | 5.10% |
| 10 | ALCON EMPLOYEES ★ 3.7 · 7 reviews | 7.11% | 5.03% |
| 11 | MEMBER PREFERRED ★ 4.5 · 17 reviews | 8.50% | 7.00% |
A pre-approval from a Fort Worth 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 Fort Worth in the same window and take the best offer.
See member reviews, branch locations, and full rate details.