Auto Loans · Victoria, Texas
4 credit unions in Victoria report car loan rates to the NCUA. Rates range from 4.71% to 6.00%.
Updated Q1 2026 · NCUA Call Report data
4
CUs Reporting Rates
4.71%
Lowest New Car Rate
5.49%
City Average Rate
4 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | VICTORIA CITY-COUNTY EMPLOYEES | 4.71% | 5.10% |
| 2 | VICTORIA TEACHERS ★ 5.0 · 3 reviews | 5.30% | 6.57% |
| 3 | VICTORIA ★ 4.5 · 11 reviews | 5.95% | 7.81% |
| 4 | COASTAL BEND P O ★ 3.7 · 3 reviews | 6.00% | 7.50% |
4 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | VICTORIA CITY-COUNTY EMPLOYEES | 5.10% | 4.71% |
| 2 | VICTORIA TEACHERS ★ 5.0 · 3 reviews | 6.57% | 5.30% |
| 3 | COASTAL BEND P O ★ 3.7 · 3 reviews | 7.50% | 6.00% |
| 4 | VICTORIA ★ 4.5 · 11 reviews | 7.81% | 5.95% |
A pre-approval from a Victoria 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 Victoria in the same window and take the best offer.
See member reviews, branch locations, and full rate details.