Auto Loans · Wichita Falls, Texas
6 credit unions in Wichita Falls report car loan rates to the NCUA. Rates range from 5.00% to 8.68%.
Updated Q1 2026 · NCUA Call Report data
6
CUs Reporting Rates
5.00%
Lowest New Car Rate
6.20%
City Average Rate
6 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | MIDWESTERN STATE UNIVERSITY ★ 4.3 · 4 reviews | 5.00% | 6.50% |
| 2 | UNION SQUARE ★ 4.2 · 137 reviews | 5.00% | 5.49% |
| 3 | WICHITA FALLS TEACHERS ★ 4.3 · 19 reviews | 5.56% | 6.21% |
| 4 | WICHITA FALLS ★ 4.3 · 26 reviews | 6.04% | 8.34% |
| 5 | TEXOMA COMMUNITY ★ 4.6 · 211 reviews | 6.90% | 7.09% |
| 6 | POSTEL FAMILY ★ 4.4 · 21 reviews | 8.68% | 10.31% |
6 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | UNION SQUARE ★ 4.2 · 137 reviews | 5.49% | 5.00% |
| 2 | WICHITA FALLS TEACHERS ★ 4.3 · 19 reviews | 6.21% | 5.56% |
| 3 | MIDWESTERN STATE UNIVERSITY ★ 4.3 · 4 reviews | 6.50% | 5.00% |
| 4 | TEXOMA COMMUNITY ★ 4.6 · 211 reviews | 7.09% | 6.90% |
| 5 | WICHITA FALLS ★ 4.3 · 26 reviews | 8.34% | 6.04% |
| 6 | POSTEL FAMILY ★ 4.4 · 21 reviews | 10.31% | 8.68% |
A pre-approval from a Wichita Falls 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 Wichita Falls in the same window and take the best offer.
See member reviews, branch locations, and full rate details.