Auto Loans · Port Neches, Texas
2 credit unions in Port Neches report car loan rates to the NCUA. Rates range from 5.28% to 6.00%.
Updated Q1 2026 · NCUA Call Report data
2
CUs Reporting Rates
5.28%
Lowest New Car Rate
5.64%
City Average Rate
2 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | MCT ★ 4.9 · 1,196 reviews | 5.28% | 5.52% |
| 2 | NECHES ★ 4.3 · 72 reviews | 6.00% | 5.50% |
2 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | NECHES ★ 4.3 · 72 reviews | 5.50% | 6.00% |
| 2 | MCT ★ 4.9 · 1,196 reviews | 5.52% | 5.28% |
A pre-approval from a Port Neches 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 Port Neches in the same window and take the best offer.
See member reviews, branch locations, and full rate details.