Auto Loans · Waco, Texas
10 credit unions in Waco report car loan rates to the NCUA. Rates range from 3.99% to 10.03%.
Updated Q1 2026 · NCUA Call Report data
10
CUs Reporting Rates
3.99%
Lowest New Car Rate
5.96%
City Average Rate
10 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | EDUCATORS ★ 3.7 · 48 reviews | 3.99% | 3.99% |
| 2 | MCLENNAN COUNTY EMPLOYEES ★ 5.0 · 6 reviews | 4.87% | 6.75% |
| 3 | HEART O' TEXAS ★ 3.7 · 66 reviews | 4.90% | 4.90% |
| 4 | WACO ★ 4.5 · 19 reviews | 5.00% | 7.00% |
| 5 | GENCO ★ 4.7 · 518 reviews | 5.57% | 5.82% |
| 6 | 1ST UNIVERSITY ★ 4.9 · 185 reviews | 5.76% | 7.90% |
| 7 | MEMBERS CHOICE OF CENTRAL TEXAS ★ 3.1 · 90 reviews | 5.90% | 6.25% |
| 8 | LINKAGE ★ 4.8 · 39 reviews | 6.59% | 8.14% |
| 9 | HIGHWAY DISTRICT 9 ★ 5.0 · 1 reviews | 7.00% | 13.00% |
| 10 | FIRST CENTRAL ★ 4.5 · 208 reviews | 10.03% | 10.81% |
10 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | EDUCATORS ★ 3.7 · 48 reviews | 3.99% | 3.99% |
| 2 | HEART O' TEXAS ★ 3.7 · 66 reviews | 4.90% | 4.90% |
| 3 | GENCO ★ 4.7 · 518 reviews | 5.82% | 5.57% |
| 4 | MEMBERS CHOICE OF CENTRAL TEXAS ★ 3.1 · 90 reviews | 6.25% | 5.90% |
| 5 | MCLENNAN COUNTY EMPLOYEES ★ 5.0 · 6 reviews | 6.75% | 4.87% |
| 6 | WACO ★ 4.5 · 19 reviews | 7.00% | 5.00% |
| 7 | 1ST UNIVERSITY ★ 4.9 · 185 reviews | 7.90% | 5.76% |
| 8 | LINKAGE ★ 4.8 · 39 reviews | 8.14% | 6.59% |
| 9 | FIRST CENTRAL ★ 4.5 · 208 reviews | 10.81% | 10.03% |
| 10 | HIGHWAY DISTRICT 9 ★ 5.0 · 1 reviews | 13.00% | 7.00% |
A pre-approval from a Waco 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 Waco in the same window and take the best offer.
See member reviews, branch locations, and full rate details.