Credit union · NCUA insured
Austin FCU Auto Loan Rates
Austin FCU auto loans start at 4.74% APR for a new vehicle and 4.74% for a used one. Rates checked October 16, 2026.
How Austin FCU’s auto loan rates compare
Compared with banks and credit unions near Austin, TX, where Austin FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Austin FCU
4.74%APR
- Terms
- up to 66 months
- Up to
- 15.30% APR
- Discount
- None included
New Vehicles
Lowest rate
Texell Credit Union
4.24%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- Included in the rate
2nd-lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
- Up to
- —
- Discount
- None included
Austin FCU auto loan score
87
Auto loan score
Higher than 80% of U.S. banks and credit unions
- New vehicleNew4.74%
- Used vehicleUsed4.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Austin FCU 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 Vehicles
Rates available for current and previous model years with less than 5,000 miles at purchase. Rates based on credit score. Up to 120% financing available for qualified buyers. Eligible for a 0.25% discount for online application and a 0.25% discount when primary applicant has had an active checking account for at least 90 days. Tesla Cybertruck financing not offered. No salvage or bonded titles; no out-of-state vehicles.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 5.74%–7.94% | Minimum loan amount $35,000. Rates eligible for 0.25% online application discount and 0.25% discount for active checking account (90+ days). |
| up to 75 months | 4.99%–17.15% | Minimum loan amount $20,000. Rates eligible for 0.25% online application discount and 0.25% discount for active checking account (90+ days). |
| up to 66 months | 4.74%–15.30% | Loan amount < $20,000. Rates eligible for 0.25% online application discount and 0.25% discount for active checking account (90+ days). |
Used Vehicles
Vehicles must be model year 10 years old or newer, and mileage cannot exceed 100,000 (term restrictions may apply for mileage over 80,000). Maximum term contingent upon vehicle value, mileage, and condition. Rates based on credit score. Up to 120% financing available for qualified buyers. Eligible for a 0.25% discount for online application and a 0.25% discount when primary applicant has had an active checking account for at least 90 days. Tesla Cybertruck financing not offered. No salvage or bonded titles; no out-of-state vehicles.
| Terms | APR | Conditions |
|---|---|---|
| up to 75 months | 4.99%–17.15% | Minimum loan amount $20,000+. Rates eligible for 0.25% online application discount and 0.25% discount for active checking account (90+ days). |
| up to 66 months | 4.74%–15.30% | Loan amount < $20,000. Rates eligible for 0.25% online application discount and 0.25% discount for active checking account (90+ days). |
| up to 60 months | 4.74%–16.90% | Rates eligible for 0.25% online application discount and 0.25% discount for active checking account (90+ days). |
| up to 54 months | 4.74%–16.90% | Rates eligible for 0.25% online application discount and 0.25% discount for active checking account (90+ days). |
| up to 48 months | 3.99%–14.55% | Rates eligible for 0.25% online application discount and 0.25% discount for active checking account (90+ days). |
Who can join Austin FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, worships, volunteers, or attends school in the designated South / Southeast Austin community map area.
Family and household
- Family members of eligible individuals can qualify to join.
Membership information collected October 5, 2026.