Auto Loans · Palestine, Texas
3 credit unions in Palestine report car loan rates to the NCUA. Rates range from 1.99% to 6.49%.
Updated Q1 2026 · NCUA Call Report data
3
CUs Reporting Rates
1.99%
Lowest New Car Rate
4.55%
City Average Rate
3 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | MOPAC EMPLOYEES ★ 3.6 · 10 reviews | 1.99% | 2.99% |
| 2 | ANDERSON COUNTY ★ 4.0 · 12 reviews | 5.18% | 7.23% |
| 3 | TRINITY VALLEY TEACHERS ★ 4.1 · 10 reviews | 6.49% | 5.99% |
3 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | MOPAC EMPLOYEES ★ 3.6 · 10 reviews | 2.99% | 1.99% |
| 2 | TRINITY VALLEY TEACHERS ★ 4.1 · 10 reviews | 5.99% | 6.49% |
| 3 | ANDERSON COUNTY ★ 4.0 · 12 reviews | 7.23% | 5.18% |
A pre-approval from a Palestine 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 Palestine in the same window and take the best offer.
See member reviews, branch locations, and full rate details.