Credit union · NCUA insured
5Point Credit Union Auto Loan Rates
5Point Credit Union auto loans start at 4.25% APR for a new vehicle and 4.25% for a used one. Rates checked October 16, 2026.
How 5Point Credit Union’s auto loan rates compare
Compared with banks and credit unions near Beaumont, TX, where 5Point Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
5Point Credit Union
4.25%APR
- Terms
- up to 60 months
- Up to
- 16.25% APR
- Discount
- Included in the rate
Auto Loans
Lowest rate
CommonCents CU
3.50%APR
- Terms
- —
- Up to
- —
- Discount
- None included
2nd-lowest rate
Gulf Credit Union
4.25%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- None included
5Point Credit Union auto loan score
77
Auto loan score
Higher than 44% of U.S. banks and credit unions
- New vehicleNew4.25%
- Used vehicleUsed4.25%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where 5Point 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.
Auto Loans
Membership required. Credit is subject to credit approval. Lowest rate includes 1% discount available. Terms are subject to collateral and loan amounts. Rates disclosed reflect best rates and may differ based on credit underwriting or services used.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.50%–15.75% | Lowest rate includes 1% discount available. Monthly payment per $1,000 borrowed is $28.51 - $34.79. |
| up to 48 months | 4.00%–16.00% | Lowest rate includes 1% discount available. Monthly payment per $1,000 borrowed is $22.54 - $28.15. |
| up to 60 months | 4.25%–16.25% | Lowest rate includes 1% discount available. Monthly payment per $1,000 borrowed is $18.50 - $24.28. |
| up to 72 months | 4.75%–16.25% | Lowest rate includes 1% discount available. Monthly payment per $1,000 borrowed is $15.95 - $21.68. |
| up to 78 months | 5.00%–16.25% | Lowest rate includes 1% discount available. Monthly payment per $1,000 borrowed is $15.01 - $20.70. |
| up to 84 months | 5.25%–16.25% | Lowest rate includes 1% discount available. Monthly payment per $1,000 borrowed is $14.22 - $19.87. |
Who can join 5Point Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.