Auto Loans · Odessa, Texas
6 credit unions in Odessa report car loan rates to the NCUA. Rates range from 1.90% to 9.00%.
Updated Q1 2026 · NCUA Call Report data
6
CUs Reporting Rates
1.90%
Lowest New Car Rate
5.86%
City Average Rate
6 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | COMPLEX COMMUNITY ★ 3.5 · 87 reviews | 1.90% | 4.95% |
| 2 | FIRST BASIN ★ 4.7 · 784 reviews | 5.15% | 5.15% |
| 3 | SOUTHWEST 66 ★ 3.2 · 40 reviews | 5.98% | 6.58% |
| 4 | WEST TEXAS ★ 3.7 · 6 reviews | 6.41% | 7.98% |
| 5 | SOUTHWEST HERITAGE ★ 3.3 · 25 reviews | 6.71% | 7.12% |
| 6 | ODESSA EMPLOYEES ★ 5.0 · 3 reviews | 9.00% | 9.00% |
6 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | COMPLEX COMMUNITY ★ 3.5 · 87 reviews | 4.95% | 1.90% |
| 2 | FIRST BASIN ★ 4.7 · 784 reviews | 5.15% | 5.15% |
| 3 | SOUTHWEST 66 ★ 3.2 · 40 reviews | 6.58% | 5.98% |
| 4 | SOUTHWEST HERITAGE ★ 3.3 · 25 reviews | 7.12% | 6.71% |
| 5 | WEST TEXAS ★ 3.7 · 6 reviews | 7.98% | 6.41% |
| 6 | ODESSA EMPLOYEES ★ 5.0 · 3 reviews | 9.00% | 9.00% |
A pre-approval from a Odessa 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 Odessa in the same window and take the best offer.
See member reviews, branch locations, and full rate details.