Auto Loans · Lufkin, Texas
4 credit unions in Lufkin report car loan rates to the NCUA. Rates range from 6.22% to 8.00%.
Updated Q1 2026 · NCUA Call Report data
4
CUs Reporting Rates
6.22%
Lowest New Car Rate
6.89%
City Average Rate
4 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | ASPIRE ★ 4.7 · 13 reviews | 6.22% | 6.89% |
| 2 | LUFKIN ★ 3.8 · 32 reviews | 6.24% | 6.98% |
| 3 | SOUTHLAND ★ 4.2 · 46 reviews | 7.08% | 7.77% |
| 4 | ANGELINA COUNTY TEACHERS ★ 4.9 · 7 reviews | 8.00% | 12.00% |
4 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | ASPIRE ★ 4.7 · 13 reviews | 6.89% | 6.22% |
| 2 | LUFKIN ★ 3.8 · 32 reviews | 6.98% | 6.24% |
| 3 | SOUTHLAND ★ 4.2 · 46 reviews | 7.77% | 7.08% |
| 4 | ANGELINA COUNTY TEACHERS ★ 4.9 · 7 reviews | 12.00% | 8.00% |
A pre-approval from a Lufkin 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 Lufkin in the same window and take the best offer.
See member reviews, branch locations, and full rate details.