Auto Loans · Houston, Texas
42 credit unions in Houston report car loan rates to the NCUA. Rates range from 2.49% to 10.50%.
Updated Q1 2026 · NCUA Call Report data
42
CUs Reporting Rates
2.49%
Lowest New Car Rate
5.89%
City Average Rate
42 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | CY-FAIR ★ 3.8 · 207 reviews | 2.49% | 3.49% |
| 2 | ST. LUKE'S COMMUNITY ★ 4.7 · 1,488 reviews | 3.00% | 6.50% |
| 3 | OUR MOTHER OF MERCY PARISH HOUSTON ★ 3.0 · 2 reviews | 3.95% | 5.48% |
| 4 | PORT TERMINAL ★ 5.0 · 3 reviews | 4.78% | 8.50% |
| 5 | SMART FINANCIAL ★ 4.6 · 279 reviews | 4.99% | 5.24% |
| 6 | P.I.E. | 4.99% | 5.99% |
| 7 | HOUSTON POLICE ★ 4.2 · 104 reviews | 4.99% | 4.99% |
| 8 | JSC ★ 3.9 · 880 reviews | 4.99% | 5.99% |
| 9 | TEXAS LEE | 5.00% | 7.00% |
| 10 | SOUTHERN ★ 4.5 · 47 reviews | 5.15% | 5.49% |
| 11 | ENERGY CAPITAL ★ 3.8 · 226 reviews | 5.25% | 5.25% |
| 12 | MET TRAN | 5.30% | 5.30% |
| 13 | HOUSTON HIGHWAY ★ 4.0 · 72 reviews | 5.33% | 5.00% |
| 14 | FIRST SERVICE ★ 4.3 · 204 reviews | 5.39% | 5.89% |
| 15 | BCM ★ 3.7 · 21 reviews | 5.45% | 5.45% |
| 16 | HOUSTON TEXAS FIRE FIGHTERS ★ 4.8 · 303 reviews | 5.50% | 5.50% |
| 17 | MEMBERSOURCE ★ 3.6 · 145 reviews | 5.59% | 6.49% |
| 18 | FIRST COMMUNITY ★ 4.7 · 1,488 reviews | 5.63% | 5.63% |
| 19 | TEXAS DOW EMPLOYEES ★ 1.9 · 44 reviews | 5.70% | 5.70% |
| 20 | MEMBERS CHOICE ★ 4.3 · 423 reviews | 5.74% | 6.99% |
| 21 | LIGHT COMMERCE ★ 5.0 · 9 reviews | 5.84% | 7.81% |
| 22 | MEMORIAL ★ 4.2 · 98 reviews | 5.85% | 6.85% |
| 23 | UNION FIDELITY ★ 4.5 · 25 reviews | 5.86% | 9.23% |
| 24 | BP ★ 3.0 · 2 reviews | 5.89% | 5.89% |
| 25 | REED ★ 5.0 · 1 reviews | 5.90% | 5.90% |
| 26 | UNITED COMMUNITY ★ 4.5 · 187 reviews | 5.97% | 6.45% |
| 27 | HARRIS COUNTY ★ 3.7 · 143 reviews | 5.99% | 6.99% |
| 28 | PORT OF HOUSTON ★ 4.6 · 9 reviews | 6.00% | 7.00% |
| 29 | OAK FARMS EMPLOYEES ★ 3.9 · 59 reviews | 6.18% | 8.80% |
| 30 | TEXAS BAY ★ 4.8 · 2,087 reviews | 6.18% | 6.72% |
| 31 | PRIORITY TRUST ★ 3.1 · 138 reviews | 6.29% | 6.56% |
| 32 | BAKER HUGHES ★ 2.5 · 16 reviews | 6.49% | 7.70% |
| 33 | PRIMEWAY ★ 4.8 · 91 reviews | 6.50% | 7.00% |
| 34 | SOUTHERN STAR ★ 4.1 · 21 reviews | 6.50% | 6.75% |
| 35 | MEMBERS TRUST OF THE SOUTHWEST ★ 4.8 · 51 reviews | 6.52% | 6.52% |
| 36 | PILGRIM CUCC ★ 5.0 · 3 reviews | 6.52% | 7.50% |
| 37 | KBR HERITAGE ★ 3.3 · 9 reviews | 6.52% | 6.52% |
| 38 | EMPOWERMENT COMMUNITY DEVELOPMENT ★ 4.0 · 2 reviews | 7.03% | 7.99% |
| 39 | BRENTWOOD BAPTIST CHURCH | 7.50% | 9.50% |
| 40 | SP TRAINMEN ★ 5.0 · 1 reviews | 8.64% | 11.83% |
| 41 | PORT OF HOUSTON WAREHOUSE ★ 5.0 · 1 reviews | 9.58% | 10.13% |
| 42 | BAYOU CITY ★ 1.8 · 43 reviews | 10.50% | 14.40% |
42 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | CY-FAIR ★ 3.8 · 207 reviews | 3.49% | 2.49% |
| 2 | HOUSTON POLICE ★ 4.2 · 104 reviews | 4.99% | 4.99% |
| 3 | HOUSTON HIGHWAY ★ 4.0 · 72 reviews | 5.00% | 5.33% |
| 4 | SMART FINANCIAL ★ 4.6 · 279 reviews | 5.24% | 4.99% |
| 5 | ENERGY CAPITAL ★ 3.8 · 226 reviews | 5.25% | 5.25% |
| 6 | MET TRAN | 5.30% | 5.30% |
| 7 | BCM ★ 3.7 · 21 reviews | 5.45% | 5.45% |
| 8 | OUR MOTHER OF MERCY PARISH HOUSTON ★ 3.0 · 2 reviews | 5.48% | 3.95% |
| 9 | SOUTHERN ★ 4.5 · 47 reviews | 5.49% | 5.15% |
| 10 | HOUSTON TEXAS FIRE FIGHTERS ★ 4.8 · 303 reviews | 5.50% | 5.50% |
| 11 | FIRST COMMUNITY ★ 4.7 · 1,488 reviews | 5.63% | 5.63% |
| 12 | TEXAS DOW EMPLOYEES ★ 1.9 · 44 reviews | 5.70% | 5.70% |
| 13 | FIRST SERVICE ★ 4.3 · 204 reviews | 5.89% | 5.39% |
| 14 | BP ★ 3.0 · 2 reviews | 5.89% | 5.89% |
| 15 | REED ★ 5.0 · 1 reviews | 5.90% | 5.90% |
| 16 | P.I.E. | 5.99% | 4.99% |
| 17 | JSC ★ 3.9 · 880 reviews | 5.99% | 4.99% |
| 18 | UNITED COMMUNITY ★ 4.5 · 187 reviews | 6.45% | 5.97% |
| 19 | MEMBERSOURCE ★ 3.6 · 145 reviews | 6.49% | 5.59% |
| 20 | ST. LUKE'S COMMUNITY ★ 4.7 · 1,488 reviews | 6.50% | 3.00% |
| 21 | MEMBERS TRUST OF THE SOUTHWEST ★ 4.8 · 51 reviews | 6.52% | 6.52% |
| 22 | KBR HERITAGE ★ 3.3 · 9 reviews | 6.52% | 6.52% |
| 23 | PRIORITY TRUST ★ 3.1 · 138 reviews | 6.56% | 6.29% |
| 24 | TEXAS BAY ★ 4.8 · 2,087 reviews | 6.72% | 6.18% |
| 25 | SOUTHERN STAR ★ 4.1 · 21 reviews | 6.75% | 6.50% |
| 26 | MEMORIAL ★ 4.2 · 98 reviews | 6.85% | 5.85% |
| 27 | MEMBERS CHOICE ★ 4.3 · 423 reviews | 6.99% | 5.74% |
| 28 | HARRIS COUNTY ★ 3.7 · 143 reviews | 6.99% | 5.99% |
| 29 | TEXAS LEE | 7.00% | 5.00% |
| 30 | PORT OF HOUSTON ★ 4.6 · 9 reviews | 7.00% | 6.00% |
| 31 | PRIMEWAY ★ 4.8 · 91 reviews | 7.00% | 6.50% |
| 32 | PILGRIM CUCC ★ 5.0 · 3 reviews | 7.50% | 6.52% |
| 33 | BAKER HUGHES ★ 2.5 · 16 reviews | 7.70% | 6.49% |
| 34 | LIGHT COMMERCE ★ 5.0 · 9 reviews | 7.81% | 5.84% |
| 35 | EMPOWERMENT COMMUNITY DEVELOPMENT ★ 4.0 · 2 reviews | 7.99% | 7.03% |
| 36 | PORT TERMINAL ★ 5.0 · 3 reviews | 8.50% | 4.78% |
| 37 | OAK FARMS EMPLOYEES ★ 3.9 · 59 reviews | 8.80% | 6.18% |
| 38 | UNION FIDELITY ★ 4.5 · 25 reviews | 9.23% | 5.86% |
| 39 | BRENTWOOD BAPTIST CHURCH | 9.50% | 7.50% |
| 40 | PORT OF HOUSTON WAREHOUSE ★ 5.0 · 1 reviews | 10.13% | 9.58% |
| 41 | SP TRAINMEN ★ 5.0 · 1 reviews | 11.83% | 8.64% |
| 42 | BAYOU CITY ★ 1.8 · 43 reviews | 14.40% | 10.50% |
A pre-approval from a Houston 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 Houston in the same window and take the best offer.
See member reviews, branch locations, and full rate details.