Auto Loans · La Porte, Texas
2 credit unions in La Porte report car loan rates to the NCUA. Rates range from 6.19% to 6.24%.
Updated Q1 2026 · NCUA Call Report data
2
CUs Reporting Rates
6.19%
Lowest New Car Rate
6.22%
City Average Rate
2 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | ILA 1351 ★ 5.0 · 6 reviews | 6.19% | 7.00% |
| 2 | BEACON ★ 4.3 · 91 reviews | 6.24% | 5.49% |
2 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | BEACON ★ 4.3 · 91 reviews | 5.49% | 6.24% |
| 2 | ILA 1351 ★ 5.0 · 6 reviews | 7.00% | 6.19% |
A pre-approval from a La Porte 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 La Porte in the same window and take the best offer.
See member reviews, branch locations, and full rate details.