Auto Loans · Richardson, Texas
2 credit unions in Richardson report car loan rates to the NCUA. Rates range from 5.09% to 5.71%.
Updated Q1 2026 · NCUA Call Report data
2
CUs Reporting Rates
5.09%
Lowest New Car Rate
5.40%
City Average Rate
2 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | TEXANS ★ 4.7 · 733 reviews | 5.09% | 5.69% |
| 2 | LIFETIME ★ 3.1 · 13 reviews | 5.71% | 5.98% |
2 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | TEXANS ★ 4.7 · 733 reviews | 5.69% | 5.09% |
| 2 | LIFETIME ★ 3.1 · 13 reviews | 5.98% | 5.71% |
A pre-approval from a Richardson 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 Richardson in the same window and take the best offer.
See member reviews, branch locations, and full rate details.