Credit union · NCUA insured
ACFCU Auto Loan Rates
ACFCU auto loans start at 8.24% APR for a new vehicle and 5.24% for a used one. Rates checked October 16, 2026.
How ACFCU’s auto loan rates compare
Compared with banks and credit unions near Amarillo, TX, where ACFCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
ACFCU
8.24%APR
- Terms
- up to 96 months
- Discount
- None included
New Vehicles
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
ACFCU auto loan score
76
Auto loan score
Higher than 40% of U.S. banks and credit unions
- New vehicleNew8.24%
- Used vehicleUsed5.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where ACFCU 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 & Used Vehicles
Loan approval is based on creditworthiness. Rates are subject to change without notice.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 5.24% | APR as low as stated. Loan approval is based on creditworthiness. |
| up to 84 months | 6.24% | APR as low as stated. Loan approval is based on creditworthiness. |
New Vehicles
96-month terms are available exclusively for A-tier members and apply only to new vehicles, RVs, motorcycles, or boats. Loan approval is based on creditworthiness. Rates are subject to change without notice.
| Terms | APR | Conditions |
|---|---|---|
| up to 96 months | 8.24% | APR as low as stated. 96-month terms are available exclusively for A-tier members. Loan approval is based on creditworthiness. |
Who can join ACFCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- All residents of Potter, Randall and Gray counties are eligible for membership.
Membership information collected October 5, 2026.