Credit union · NCUA insured
1st University CU Auto Loan Rates
1st University CU auto loans start at 4.90% APR for a new vehicle and 4.90% for a used one. Rates checked October 16, 2026.
How 1st University CU’s auto loan rates compare
Compared with banks and credit unions near Waco, TX, where 1st University CU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
1st University CU
4.90%APR
- Terms
- up to 60 months
- Discount
- None included
New Auto
Lowest rate
Texell Credit Union
4.24%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
2nd-lowest rate
Heart O' Texas Federal Credit Union
4.55%APR
- Terms
- —
- Discount
- None included
1st University CU auto loan score
86
Auto loan score
Higher than 73% of U.S. banks and credit unions
- New vehicleNew4.90%
- Used vehicleUsed4.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where 1st University CU ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
New Auto
Membership required (anyone can apply; membership opened upon loan funding). Competitive Rate Match: matches competitive rates up to 0.50% below qualified rate upon review. Existing 1st University Auto Loans are not eligible for refinancing. Rates vary based on creditworthiness, amount borrowed, vehicle age, and loan term.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.90% | — |
| up to 60 months | 4.90% | — |
| up to 72 months | 5.00% | Conditions apply. |
| up to 84 months | 5.85% | Conditions apply. |
Sources (1)
- culink.net/auto-loans · captured Oct 7, 2026
Used Auto
Membership required (anyone can apply; membership opened upon loan funding). Competitive Rate Match: matches competitive rates up to 0.50% below qualified rate upon review. Existing 1st University Auto Loans are not eligible for refinancing. Rates vary based on creditworthiness, amount borrowed, vehicle age, and loan term.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.90% | Models up to 5 Years Old; $14,999.99 or Less |
| up to 60 months | 4.90% | Models up to 5 Years Old; $14,999.99 or Less |
| up to 36 months | 4.90% | Models up to 5 Years Old; $15,000.00 or More |
| up to 60 months | 4.90% | Models up to 5 Years Old; $15,000.00 or More |
| up to 72 months | 5.00% | Models up to 5 Years Old; $15,000.00 or More. Conditions apply. |
| up to 48 months | 6.50% | Models older than 5 years |
Sources (1)
- culink.net/auto-loans · captured Oct 7, 2026
Who can join 1st University CU
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.