Auto Loans · Texarkana, Texas
7 credit unions in Texarkana report car loan rates to the NCUA. Rates range from 4.79% to 7.28%.
Updated Q1 2026 · NCUA Call Report data
7
CUs Reporting Rates
4.79%
Lowest New Car Rate
5.95%
City Average Rate
7 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | SWEMP | 4.79% | 6.95% |
| 2 | FEDERAL EMPLOYEES ★ 3.9 · 185 reviews | 5.12% | 6.93% |
| 3 | MORRIS SHEPPARD TEXARKANA ★ 5.0 · 1 reviews | 5.74% | 5.74% |
| 4 | TEXAR ★ 3.8 · 104 reviews | 6.00% | 6.06% |
| 5 | DOMINO ★ 3.9 · 7 reviews | 6.25% | 6.80% |
| 6 | TEXARKANA TERMINAL EMPLOYEES ★ 4.0 · 7 reviews | 6.44% | 6.44% |
| 7 | RED RIVER EMPLOYEES ★ 3.9 · 185 reviews | 7.28% | 8.57% |
7 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | MORRIS SHEPPARD TEXARKANA ★ 5.0 · 1 reviews | 5.74% | 5.74% |
| 2 | TEXAR ★ 3.8 · 104 reviews | 6.06% | 6.00% |
| 3 | TEXARKANA TERMINAL EMPLOYEES ★ 4.0 · 7 reviews | 6.44% | 6.44% |
| 4 | DOMINO ★ 3.9 · 7 reviews | 6.80% | 6.25% |
| 5 | FEDERAL EMPLOYEES ★ 3.9 · 185 reviews | 6.93% | 5.12% |
| 6 | SWEMP | 6.95% | 4.79% |
| 7 | RED RIVER EMPLOYEES ★ 3.9 · 185 reviews | 8.57% | 7.28% |
A pre-approval from a Texarkana 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 Texarkana in the same window and take the best offer.
See member reviews, branch locations, and full rate details.