Auto Loans · San Antonio, Texas
14 credit unions in San Antonio report car loan rates to the NCUA. Rates range from 4.10% to 8.50%.
Updated Q1 2026 · NCUA Call Report data
14
CUs Reporting Rates
4.10%
Lowest New Car Rate
6.08%
City Average Rate
14 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | ALAMO CITY ★ 4.7 · 38 reviews | 4.10% | 6.64% |
| 2 | TEXAS ASSOCIATIONS OF PROFESSIONALS ★ 4.6 · 13 reviews | 4.69% | 6.68% |
| 3 | BAPTIST ★ 4.4 · 20 reviews | 4.88% | 5.90% |
| 4 | SYNERGY ★ 3.7 · 10 reviews | 4.90% | 4.90% |
| 5 | SOUTHWEST RESEARCH CENTER ★ 5.0 · 2 reviews | 5.17% | 5.56% |
| 6 | SELECT ★ 3.3 · 49 reviews | 5.25% | 8.25% |
| 7 | GENERATIONS COMMUNITY ★ 3.3 · 104 reviews | 5.95% | 6.15% |
| 8 | RIVER CITY ★ 4.6 · 211 reviews | 6.05% | 7.16% |
| 9 | SECURITY SERVICE ★ 4.6 · 1,302 reviews | 6.85% | 5.65% |
| 10 | SOARION ★ 4.9 · 27 reviews | 6.99% | 7.79% |
| 11 | CITY PUBLIC SERVICE/IBEW ★ 4.3 · 8 reviews | 7.12% | 8.08% |
| 12 | CREDIT HUMAN ★ 2.5 · 69 reviews | 7.19% | 6.29% |
| 13 | FIRSTMARK ★ 4.7 · 376 reviews | 7.50% | 6.88% |
| 14 | H E B ★ 4.2 · 250 reviews | 8.50% | 8.50% |
14 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | SYNERGY ★ 3.7 · 10 reviews | 4.90% | 4.90% |
| 2 | SOUTHWEST RESEARCH CENTER ★ 5.0 · 2 reviews | 5.56% | 5.17% |
| 3 | SECURITY SERVICE ★ 4.6 · 1,302 reviews | 5.65% | 6.85% |
| 4 | BAPTIST ★ 4.4 · 20 reviews | 5.90% | 4.88% |
| 5 | GENERATIONS COMMUNITY ★ 3.3 · 104 reviews | 6.15% | 5.95% |
| 6 | CREDIT HUMAN ★ 2.5 · 69 reviews | 6.29% | 7.19% |
| 7 | ALAMO CITY ★ 4.7 · 38 reviews | 6.64% | 4.10% |
| 8 | TEXAS ASSOCIATIONS OF PROFESSIONALS ★ 4.6 · 13 reviews | 6.68% | 4.69% |
| 9 | FIRSTMARK ★ 4.7 · 376 reviews | 6.88% | 7.50% |
| 10 | RIVER CITY ★ 4.6 · 211 reviews | 7.16% | 6.05% |
| 11 | SOARION ★ 4.9 · 27 reviews | 7.79% | 6.99% |
| 12 | CITY PUBLIC SERVICE/IBEW ★ 4.3 · 8 reviews | 8.08% | 7.12% |
| 13 | SELECT ★ 3.3 · 49 reviews | 8.25% | 5.25% |
| 14 | H E B ★ 4.2 · 250 reviews | 8.50% | 8.50% |
A pre-approval from a San Antonio 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 San Antonio in the same window and take the best offer.
See member reviews, branch locations, and full rate details.