Auto Loans · Temple, Texas
3 credit unions in Temple report car loan rates to the NCUA. Rates range from 4.98% to 5.39%.
Updated Q1 2026 · NCUA Call Report data
3
CUs Reporting Rates
4.98%
Lowest New Car Rate
5.12%
City Average Rate
3 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | TEMPLE SANTA FE COMMUNITY ★ 4.2 · 17 reviews | 4.98% | 6.50% |
| 2 | SCOTT AND WHITE EMPLOYEES ★ 4.7 · 73 reviews | 4.99% | 18.00% |
| 3 | TEXELL ★ 4.7 · 836 reviews | 5.39% | 5.89% |
3 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | TEXELL ★ 4.7 · 836 reviews | 5.89% | 5.39% |
| 2 | TEMPLE SANTA FE COMMUNITY ★ 4.2 · 17 reviews | 6.50% | 4.98% |
| 3 | SCOTT AND WHITE EMPLOYEES ★ 4.7 · 73 reviews | 18.00% | 4.99% |
A pre-approval from a Temple 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 Temple in the same window and take the best offer.
See member reviews, branch locations, and full rate details.