Credit union · NCUA insured
4U Credit Union Auto Loan Rates
4U Credit Union auto loans start at 4.55% APR for a new vehicle and 4.95% for a used one. Rates checked September 17, 2026.
How 4U Credit Union’s auto loan rates compare
Compared with banks and credit unions near Sherman, TX, where 4U Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
4U Credit Union
4.55%APR
- Terms
- up to 60 months
- Discount
- None included
NEW AUTOS (2025-2026)
Lowest rate
Texoma Educators
2.99%APR
- Terms
- —
- Discount
- None included
3rd-lowest rate
Neighborhood Credit Union
4.59%APR
- Terms
- up to 72 months
- Discount
- Included in the rate
4U Credit Union auto loan score
87
Auto loan score
Higher than 76% of U.S. banks and credit unions
- New vehicleNew4.55%
- Used vehicleUsed4.95%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where 4U Credit Union 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 AUTOS (2025-2026)
Rate based on creditworthiness. Fees may increase APR. Additional discounts may be available.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.45% | — |
| up to 60 months | 4.55% | — |
| up to 66 months | 4.65% | — |
| up to 72 months | 4.70% | — |
| up to 78 months | 5.35% | — |
| up to 84 months | 5.35% | — |
USED AUTOS (2017 and older)
Rate based on creditworthiness. Fees may increase APR. Additional discounts may be available.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 6.85% | — |
Sources (1)
- 4ucu.org/rates-fees · captured Sep 17, 2026
USED AUTOS (2018-2020)
Rate based on creditworthiness. Fees may increase APR. Additional discounts may be available.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.25% | — |
Sources (1)
- 4ucu.org/rates-fees · captured Sep 17, 2026
USED AUTOS (2021-2023)
Rate based on creditworthiness. Fees may increase APR. Additional discounts may be available.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.95% | — |
| up to 66 months | 4.95% | — |
Sources (1)
- 4ucu.org/rates-fees · captured Sep 17, 2026
USED AUTOS (2024)
Rate based on creditworthiness. Fees may increase APR. Additional discounts may be available.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.95% | — |
| up to 60 months | 4.95% | — |
| up to 66 months | 4.95% | — |
| up to 72 months | 4.95% | — |
Sources (1)
- 4ucu.org/rates-fees · captured Sep 17, 2026
Who can join 4U Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who works, lives, attends school, or worships in Cooke or Grayson County.
Family and household
- Membership is open to family and household members of existing 4U members, including spouses, children, parents, siblings, aunts, uncles, grandparents, grandchildren, step-relations, adoptive relations, and household members.
Cost to join
- Establishing membership requires a $25.00 deposit into a Share (Savings) Account (part of a total $26.00 opening deposit).
- Establishing membership requires a one-time $1.00 membership fee.
Membership information collected October 5, 2026.