Credit union · NCUA insured
A+ Federal Credit Union Auto Loan Rates
A+ Federal Credit Union auto loans start at 5.49% APR for a new vehicle and 5.49% for a used one. Rates checked October 16, 2026.
How A+ Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Austin, TX, where A+ Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
A+ Federal Credit Union
5.49%APR
- Terms
- 37–66 months
- Discount
- None included
Auto Purchase Loans
Lowest rate
Texell Credit Union
4.24%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
2nd-lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
- Discount
- None included
A+ Federal Credit Union auto loan score
73
Auto loan score
Higher than 34% of U.S. banks and credit unions
- New vehicleNew5.49%
- Used vehicleUsed5.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where A+ Federal 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 Purchase Loans
Membership required. Associations and business accounts are not eligible. All loans subject to credit approval. Not currently doing loans for private party sales.
| Terms | APR | Conditions |
|---|---|---|
| 6–36 months | 5.49% | As low as rate includes a 0.25% rate discount for automatic payments (rates may increase if automatic payment is cancelled). Estimated payment terms of $30.19 per $1,000 per month for 36 months. 90-Day No Pay offer available (excludes indirect loans, min credit score 680, expires 12.31.2026). |
| 37–66 months | 5.49% | As low as rate includes a 0.25% rate discount for automatic payments (rates may increase if automatic payment is cancelled). Estimated payment terms of $17.59 per $1,000 per month for 66 months. 90-Day No Pay offer available (excludes indirect loans, min credit score 680, expires 12.31.2026). |
| 67–78 months | 5.74% | As low as rate includes a 0.25% rate discount for automatic payments (rates may increase if automatic payment is cancelled). Estimated payment terms of $15.39 per $1,000 per month for 78 months. 90-Day No Pay offer available (excludes indirect loans, min credit score 680, expires 12.31.2026). |
| 79–84 months | 6.49% | As low as rate includes a 0.25% rate discount for automatic payments (rates may increase if automatic payment is cancelled). Estimated payment terms of $14.84 per $1,000 per month for 84 months. 90-Day No Pay offer available (excludes indirect loans, min credit score 680, expires 12.31.2026). |
Sources (3)
All captured Oct 6, 2026
Auto Refinance Loans
Membership required. Excludes existing A+FCU loans. Associations and business accounts are not eligible. All loans subject to credit approval. Not currently doing loans for private party sales.
| Terms | APR | Conditions |
|---|---|---|
| 6–36 months | 5.24% | As low as rate includes a 0.25% rate discount for automatic payments (rates may increase if automatic payment is cancelled). Estimated payment terms of $30.08 per $1,000 per month for 36 months. 90-Day No Pay offer available (interest accrues from disbursement, min credit score 680, expires 12.31.2026). |
| 37–66 months | 5.24% | As low as rate includes a 0.25% rate discount for automatic payments (rates may increase if automatic payment is cancelled). Estimated payment terms of $17.47 per $1,000 per month for 66 months. 90-Day No Pay offer available (interest accrues from disbursement, min credit score 680, expires 12.31.2026). |
| 67–78 months | 5.24% | As low as rate includes a 0.25% rate discount for automatic payments (rates may increase if automatic payment is cancelled). Estimated payment terms of $15.16 per $1,000 per month for 78 months. 90-Day No Pay offer available (interest accrues from disbursement, min credit score 680, expires 12.31.2026). |
| 79–84 months | 5.79% | As low as rate includes a 0.25% rate discount for automatic payments (rates may increase if automatic payment is cancelled). Estimated payment terms of $14.51 per $1,000 per month for 84 months. 90-Day No Pay offer available (interest accrues from disbursement, min credit score 680, expires 12.31.2026). |
| — | 4.99% | Beat Your Rate Offer: Refinance to beat current rate by 1.00% APR with a floor rate of 4.99% APR. Requires automatic payments (rates may increase if cancelled). Cannot use PlusPoints. Minimum loan amount $10,000. Excludes existing A+FCU loans. Expires 12.31.2026. Enjoy 90 days of no payments (interest accrues from disbursement, min credit score 680, expires 12.31.2026). |
Sources (3)
All captured Oct 6, 2026
Who can join A+ Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is open to staff, employees, and family members of partner businesses and community organizations.
Military, government and schools
- Membership is open to staff, students, employees, and family members of partner schools and school districts.
Family and household
- Membership is open to individuals who have a family member that is a current A+FCU member.
Other ways
- Membership is open to individuals who make a one-time dues payment of $10 to the A+ Education Foundation when opening an account.
Cost to join
- A one-time dues payment of $10 to the A+ Education Foundation is required when joining via the foundation.
Membership information collected October 5, 2026.