Credit union · NCUA insured
Access Community Credit Union Auto Loan Rates
Access Community Credit Union auto loans start at 5.49% APR for a new vehicle and 6.49% for a used one. Rates checked October 16, 2026.
How Access Community Credit Union’s auto loan rates compare
Compared with banks and credit unions near Amarillo, TX, where Access Community Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Access Community Credit Union
5.49%APR
- Terms
- 37–72 months
- Discount
- Included in the rate
Auto Loans - New Vehicles - 5 years and newer
Lowest rate
The People's Federal Credit Union
4.59%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
2nd-lowest rate
ALLIANCE Credit Union
4.70%APR
- Terms
- —
- Discount
- None included
Access Community Credit Union auto loan score
66
Auto loan score
Higher than 15% of U.S. banks and credit unions
- New vehicleNew5.49%
- Used vehicleUsed6.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Access Community 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 - New Vehicles - 5 years and newer
Rates include \"All Access Member\" discounts, which requires having an active checking account with direct deposit, a debit card, and home-banking. New vehicles are 5 years old or newer and must meet mileage requirements.
| Terms | APR | Conditions |
|---|---|---|
| 24–36 months | 4.99% | Includes All Access member discounts; vehicle must be 5 years old or newer and meet mileage requirements. |
| 37–72 months | 5.49% | Includes All Access member discounts; vehicle must be 5 years old or newer and meet mileage requirements. |
| 73–84 months | 6.49% | Includes All Access member discounts; vehicle must be 5 years old or newer and meet mileage requirements. |
| 85–96 months | 7.49% | Includes All Access member discounts; vehicle must be 5 years old or newer and meet mileage requirements. |
Auto Loans - Used Vehicles - 6 to 9 years old
Rates include \"All Access Member\" discounts, which requires having an active checking account with direct deposit, a debit card, and home-banking.
| Terms | APR | Conditions |
|---|---|---|
| 24–36 months | 5.99% | Includes All Access member discounts. |
| 37–72 months | 6.49% | Includes All Access member discounts. |
Sources (1)
- accesscreditunion.com/loan-rates · captured Oct 7, 2026
Who can join Access Community Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, worships, or attends school in Potter or Randall counties is eligible for membership.
Membership information collected October 5, 2026.