Credit union · NCUA insured
Abilene Teachers Federal Credit Union Auto Loan Rates
Top CarrotAbilene Teachers Federal Credit Union auto loans start at 4.15% APR for a new vehicle and 4.15% for a used one. Rates checked October 16, 2026.
How Abilene Teachers Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Abilene, TX, where Abilene Teachers Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Abilene Teachers Federal Credit Union
4.15%APR
- Terms
- 1–84 months
- Up to
- 15.40% APR
- Discount
- Included in the rate
New Auto Loans - Cars and Light Trucks
2nd-lowest rate
First Watch Credit Union
4.29%APR
- Terms
- up to 84 months
- Up to
- 17.99% APR
- Discount
- None included
3rd-lowest rate
University Credit Union
4.49%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- None included
Abilene Teachers Federal Credit Union auto loan score
91
Auto loan score
Higher than 92% of U.S. banks and credit unions
- New vehicleNew4.15%
- Used vehicleUsed4.15%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Abilene Teachers 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.
Antique/Classic Autos
All loans subject to approval. Rates, terms & conditions are subject to change and may vary based on creditworthiness, qualifications & collateral conditions. Rates reflect all available discounts. Membership required.
| Terms | APR | Conditions |
|---|---|---|
| 1–36 months | 7.05%–17.99% | Rates reflect all available discounts. |
Sources (1)
- abileneteachersfcu.org/loans-c…ds/vehicle-loans/rv-boat · captured Oct 6, 2026
First Time Auto Buyer - New Vehicles
All loans subject to approval. Rates, terms & conditions are subject to change and may vary based on creditworthiness, qualifications & collateral conditions. A co-borrower may be required. Rates shown reflect the First Time Auto Buyer discount of .75 points. Drive new vehicle for 60 days before first payment is due. Complimentary GAP Plus protection included. Additional discounts may be stacked.
| Terms | APR | Conditions |
|---|---|---|
| 1–84 months | 4.15%–18.00% | Model years 2026, 2025, 2024. Stated rate reflects 0.75 point First Time Auto Buyer discount. |
Sources (1)
- abileneteachersfcu.org/first-time-auto-buyer-program · captured Oct 6, 2026
First Time Auto Buyer - Used Vehicles
All loans subject to approval. Rates, terms & conditions are subject to change and may vary based on creditworthiness, qualifications & collateral conditions. A co-borrower may be required. Rates shown reflect the First Time Auto Buyer discount of .75 points. Drive new vehicle for 60 days before first payment is due. Complimentary GAP Plus protection included. Additional discounts may be stacked.
| Terms | APR | Conditions |
|---|---|---|
| 1–78 months | 4.40%–18.00% | Model Year 2023. Stated rate reflects 0.75 point First Time Auto Buyer discount. |
| 1–72 months | 4.50%–18.00% | Model Year 2022. Stated rate reflects 0.75 point First Time Auto Buyer discount. |
| 1–66 months | 4.60%–18.00% | Model Year 2021. Stated rate reflects 0.75 point First Time Auto Buyer discount. |
| 1–60 months | 4.70%–18.00% | Model Year 2020. Stated rate reflects 0.75 point First Time Auto Buyer discount. |
| 1–54 months | 4.80%–18.00% | Model Year 2019. Stated rate reflects 0.75 point First Time Auto Buyer discount. |
| 1–48 months | 4.90%–18.00% | Model Year 2018. Stated rate reflects 0.75 point First Time Auto Buyer discount. |
| 1–42 months | 5.00%–18.00% | Model Year 2017. Stated rate reflects 0.75 point First Time Auto Buyer discount. |
| 1–36 months | 5.10%–18.00% | Model Year 2016. Stated rate reflects 0.75 point First Time Auto Buyer discount. |
Sources (1)
- abileneteachersfcu.org/first-time-auto-buyer-program · captured Oct 6, 2026
New Auto Loans - Cars and Light Trucks
All loans subject to approval. Rates, terms & conditions are subject to change and may vary based on creditworthiness, qualifications & collateral conditions. Rates reflect all available interest rate discounts; lowest available base rate with no discounts is 4.90%. Membership required.
| Terms | APR | Conditions |
|---|---|---|
| 1–84 months | 4.15%–15.40% | Model year 2026. Lowest available base rate with no discounts is 4.90% APR. Rates reflect all available discounts. |
Sources (1)
- abileneteachersfcu.org/loans-c…-check-cars-light-trucks · captured Oct 6, 2026
Used Auto Loans - Cars and Light Trucks
All loans subject to approval. Rates, terms & conditions are subject to change and may vary based on creditworthiness, qualifications & collateral conditions. Rates reflect all available interest rate discounts. Vehicles 10 years old or newer financed. Membership required.
| Terms | APR | Conditions |
|---|---|---|
| 1–84 months | 4.15%–18.00% | Model Year 2025. Lowest available base rate with no discounts is 4.90% APR. Rates reflect all available discounts. |
| 1–78 months | 4.40%–18.00% | Model Year 2023. Lowest available base rate with no discounts is 4.90% APR. Rates reflect all available discounts. |
| 1–72 months | 4.50%–18.00% | Model Year 2022. Lowest available base rate with no discounts is 5.25% APR. Rates reflect all available discounts. |
| 1–66 months | 4.60%–18.00% | Model Year 2021. Lowest available base rate with no discounts is 5.35% APR. Rates reflect all available discounts. |
| 1–60 months | 4.70%–18.00% | Model Year 2020. Lowest available base rate with no discounts is 5.45% APR. Rates reflect all available discounts. |
| 1–54 months | 4.80%–18.00% | Model Year 2019. Lowest available base rate with no discounts is 5.55% APR. Rates reflect all available discounts. |
| 1–48 months | 4.90%–18.00% | Model Year 2018. Lowest available base rate with no discounts is 5.65% APR. Rates reflect all available discounts. |
| 1–42 months | 5.00%–18.00% | Model Year 2017. Lowest available base rate with no discounts is 5.75% APR. Rates reflect all available discounts. |
| 1–36 months | 5.10%–18.00% | Model Year 2016. Lowest available base rate with no discounts is 5.85% APR. Rates reflect all available discounts. |
| 1–36 months | 6.85%–18.00% | Model Years 2015 - 2007. Lowest available base rate with no discounts is 7.60% APR. Rates reflect all available discounts. |
Sources (1)
- abileneteachersfcu.org/loans-c…-check-cars-light-trucks · captured Oct 6, 2026
Who can join Abilene Teachers Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Family and household
- Family members of current ATFCU members are eligible for membership.
Membership information collected October 5, 2026.