Credit union · NCUA insured
Austin Telco Federal Credit Union Auto Loan Rates
Top CarrotAustin Telco Federal Credit Union auto loans start at 5.54% APR for a new vehicle and 5.54% for a used one. Rates checked October 16, 2026.
How Austin Telco Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Austin, TX, where Austin Telco Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Austin Telco Federal Credit Union
5.54%APR
- Terms
- up to 84 months
- Up to
- 6.49% APR
- Discount
- None included
New/Used Auto Loans
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 Telco Federal Credit Union auto loan score
72
Auto loan score
Higher than 30% of U.S. banks and credit unions
- New vehicleNew5.54%
- Used vehicleUsed5.54%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Austin Telco 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/Used Auto Loans
Applicable for the purchase of a new, used, or refinance vehicle. Rates expressed as low as and vary depending on credit qualifications. New vehicle: new, never titled vehicles or titled in past 30 days. Used vehicle: any previously titled vehicle. Minimum loan amount of $25,000 required for terms above 73 months.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 5.54%–6.49% | Rates expressed as low as. Minimum loan amount of $25,000 required for terms above 73 months. Applicable for the purchase of a new, used, or refinance vehicle. |
Sources (3)
All captured Oct 6, 2026
Who can join Austin Telco Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, attend school, or volunteer in Travis, Williamson, Hays, Bastrop, Caldwell, or Burnet County are eligible for membership.
Family and household
- Immediate relatives of eligible individuals are eligible to join.
Other ways
- Organizations associated with eligible individuals are eligible to join.
Cost to join
- A $5 deposit representing a share in the cooperative is required into a Regular Savings Account and must remain as a $5 minimum balance to keep membership open.
Membership information collected October 5, 2026.