Auto Loans · Pasadena, Texas
6 credit unions in Pasadena report car loan rates to the NCUA. Rates range from 3.25% to 7.66%.
Updated Q1 2026 · NCUA Call Report data
6
CUs Reporting Rates
3.25%
Lowest New Car Rate
5.46%
City Average Rate
6 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | PASADENA MUNICIPAL ★ 5.0 · 8 reviews | 3.25% | 4.50% |
| 2 | I.B.E.W. LU 66 ★ 4.1 · 7 reviews | 4.66% | 5.65% |
| 3 | ILA 28 ★ 4.0 · 4 reviews | 5.00% | 6.00% |
| 4 | GULF COAST EDUCATORS ★ 4.7 · 511 reviews | 6.05% | 6.82% |
| 5 | SHARED RESOURCES ★ 4.1 · 32 reviews | 6.15% | 5.90% |
| 6 | LOCAL 24 EMPLOYEES ★ 5.0 · 4 reviews | 7.66% | 9.85% |
6 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | PASADENA MUNICIPAL ★ 5.0 · 8 reviews | 4.50% | 3.25% |
| 2 | I.B.E.W. LU 66 ★ 4.1 · 7 reviews | 5.65% | 4.66% |
| 3 | SHARED RESOURCES ★ 4.1 · 32 reviews | 5.90% | 6.15% |
| 4 | ILA 28 ★ 4.0 · 4 reviews | 6.00% | 5.00% |
| 5 | GULF COAST EDUCATORS ★ 4.7 · 511 reviews | 6.82% | 6.05% |
| 6 | LOCAL 24 EMPLOYEES ★ 5.0 · 4 reviews | 9.85% | 7.66% |
A pre-approval from a Pasadena 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 Pasadena in the same window and take the best offer.
See member reviews, branch locations, and full rate details.