Credit union · NCUA insured
AMOCO Federal Credit Union Auto Loan Rates
AMOCO Federal Credit Union auto loans start at 5.09% APR for a new vehicle and 5.09% for a used one. Rates checked October 16, 2026.
How AMOCO Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Houston, TX, where AMOCO Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
AMOCO Federal Credit Union
5.09%APR
- Terms
- 49–60 months
- Up to
- 15.84% APR
- Discount
- None included
New And Used Autos
Lowest rate
Lubrizol Employees' Credit Union
3.24%APR
- Terms
- 24–60 months
- Up to
- 14.49% APR
- Discount
- Included in the rate
2nd-lowest rate
CommonCents CU
3.50%APR
- Terms
- —
- Up to
- —
- Discount
- None included
AMOCO Federal Credit Union auto loan score
81
Auto loan score
Higher than 56% of U.S. banks and credit unions
- New vehicleNew5.09%
- Used vehicleUsed5.09%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where AMOCO 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.
New And Used Autos
Rates and terms determined by borrower's credit qualifications. Includes a 0.25% rate discount applied when borrower adds protection bundle discount products (such as purchasing any two of GAP, MMP, Credit Life & Disability). 100% financing available for qualified borrowers. Optional 90 days until first payment with interest accruing during deferral period. No early payoff penalties.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.84%–15.59% | Advertised Best Rate of 4.84% APR is based on a credit score of 780+ with a term of 36 months and includes the 0.25% protection bundle discount. |
| 37–48 months | 5.09%–15.84% | — |
| 49–60 months | 5.09%–15.84% | — |
| 61–75 months | 5.24%–16.74% | — |
| 76–84 months | 5.74%–18.00% | Minimum loan amount is $35,000+. Maximum rate for credit score 624 and below is 18.00% APR. |
New And Used Motorcycle
Rates and terms determined by borrower's credit qualifications. Advertised Best Rate of 9.40% APR is based on a credit score of 780+ with a term of 36 months. Same low rate for new and used motorcycles. No early payoff penalties.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 9.40%–18.00% | Advertised Best Rate of 9.40% APR is based on a credit score of 780+ with a term of 36 months. |
| 61–75 months | 9.65%–18.00% | — |
Who can join AMOCO Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of more than 560 partner companies offering AMOCO @Work as an employee benefit are eligible for membership.
Membership information collected October 5, 2026.