Credit union · NCUA insured
Baptist Credit Union Auto Loan Rates
Top CarrotBaptist Credit Union auto loans start at 4.24% APR for a new vehicle and 4.99% for a used one. Rates checked October 16, 2026.
How Baptist Credit Union’s auto loan rates compare
Compared with banks and credit unions near San Antonio, TX, where Baptist Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Baptist Credit Union
4.24%APR
- Terms
- —
New Auto
Lowest rate
PenFed Credit Union
3.84%APR
- Terms
- up to 60 months
3rd-lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
Baptist Credit Union auto loan score
89
Auto loan score
Higher than 88% of U.S. banks and credit unions
- New vehicleNew4.24%
- Used vehicleUsed4.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Baptist 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 Auto
Rates based on credit approval and credit rating. Stated rates include an additional 0.25% discount with purchase of GAP (floor rate 4.24%). Relationship discounts up to stated floor rate: 0.10% each for MasterCard/Home Equity, existing/paid Consumer Loan, Active Checking (5 tx/mo), Direct Deposit, Debit Card (5 tx/mo). Model year 2025-2026.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.24% | As low as rate. |
| up to 84 months | 6.99%–13.98% | Tier A: 6.99%, Tier B: 7.25%, Tier C: 7.93%, Tier D: 9.93%, Tier E: 13.98%. Minimum/maximum amount $20,000. Model year 2025-2026. Rate includes 0.25% GAP discount. |
| up to 78 months | 6.24%–13.73% | Subcode A. Tier A: 6.24%, Tier B: 6.49%, Tier C: 7.68%, Tier D: 9.68%, Tier E: 13.73%. Minimum/maximum amount $15,000. Model year 2025-2026. Rate includes 0.25% GAP discount. |
| up to 72 months | 4.99%–13.48% | Tier A: 4.99%, Tier B: 4.99%, Tier C: 4.99%, Tier D: 9.19%, Tier E: 13.48%. Minimum/maximum amount $9,000. Model year 2025-2026. Rate includes 0.25% GAP discount. |
| up to 66 months | 4.99%–13.48% | Tier A: 4.99%, Tier B: 4.99%, Tier C: 4.99%, Tier D: 9.19%, Tier E: 13.48%. Model year 2025-2026. Rate includes 0.25% GAP discount. |
| up to 60 months | 4.99%–13.48% | Tier A: 4.99%, Tier B: 4.99%, Tier C: 4.99%, Tier D: 9.19%, Tier E: 13.48%. Model year 2025-2026. Rate includes 0.25% GAP discount. |
| up to 48 months | 4.99%–13.48% | Tier A: 4.99%, Tier B: 4.99%, Tier C: 4.99%, Tier D: 9.19%, Tier E: 13.48%. Model year 2025-2026. Rate includes 0.25% GAP discount. |
| up to 36 months | 4.99%–13.48% | Tier A: 4.99%, Tier B: 4.99%, Tier C: 4.99%, Tier D: 9.19%, Tier E: 13.48%. Model year 2025-2026. Rate includes 0.25% GAP discount. |
| up to 24 months | 4.99%–13.48% | Tier A: 4.99%, Tier B: 4.99%, Tier C: 4.99%, Tier D: 9.19%, Tier E: 13.48%. Model year 2025-2026. Rate includes 0.25% GAP discount. |
Sources (3)
All captured Oct 6, 2026
Older Used Auto
Rates based on credit approval and credit rating. Model year 2017-2018. Stated rates include an additional 0.25% discount with purchase of GAP (floor rate 4.24% APR). Relationship discounts up to stated floor rate: 0.10% each for MasterCard/Home Equity, existing/paid Consumer Loan, Active Checking (5 tx/mo), Direct Deposit, Debit Card (5 tx/mo).
| Terms | APR | Conditions |
|---|---|---|
| 24–60 months | 7.49%–14.73% | Model year 2017-2018. Tier A: 7.49%, Tier B: 7.99%, Tier C: 8.73%, Tier D: 11.93%, Tier E: 14.73%. Rate includes 0.25% GAP discount. |
Sources (1)
- baptistcu.org/rates/loan-rates/auto-loans · captured Oct 6, 2026
Used Auto
Rates based on credit approval and credit rating. Stated rates include an additional 0.25% discount with purchase of GAP (floor rate 4.24% APR). Relationship discounts up to stated floor rate: 0.10% each for MasterCard/Home Equity, existing/paid Consumer Loan, Active Checking (5 tx/mo), Direct Deposit, Debit Card (5 tx/mo).
| Terms | APR | Conditions |
|---|---|---|
| — | 4.24% | As low as rate. |
| up to 84 months | 7.24%–13.98% | Subcode C. Model year 2025-2026. Tier A: 7.24%, Tier B: 7.49%, Tier C: 7.93%, Tier D: 9.93%, Tier E: 13.98%. Minimum/maximum amount $20,000. Rate includes 0.25% GAP discount. |
| up to 78 months | 6.49%–13.73% | Subcode C. Model year 2024-2026. Tier A: 6.49%, Tier B: 6.99%, Tier C: 7.68%, Tier D: 9.68%, Tier E: 13.73%. Minimum/maximum amount $15,000. Rate includes 0.25% GAP discount. |
| up to 72 months | 4.99%–13.48% | Subcode C. Model year 2023-2026. Tier A: 4.99%, Tier B: 4.99%, Tier C: 4.99%, Tier D: 9.19%, Tier E: 13.48%. Minimum/maximum amount $9,000. Rate includes 0.25% GAP discount. |
| up to 66 months | 4.99%–13.48% | Subcode C. Model year 2022-2026. Tier A: 4.99%, Tier B: 4.99%, Tier C: 4.99%, Tier D: 9.19%, Tier E: 13.48%. Rate includes 0.25% GAP discount. |
| up to 60 months | 4.99%–13.48% | Subcode C. Model year 2022-2026. Tier A: 4.99%, Tier B: 4.99%, Tier C: 4.99%, Tier D: 9.19%, Tier E: 13.48%. Rate includes 0.25% GAP discount. |
| up to 48 months | 4.99%–13.48% | Subcode C. Model year 2022-2026. Tier A: 4.99%, Tier B: 4.99%, Tier C: 4.99%, Tier D: 9.19%, Tier E: 13.48%. Rate includes 0.25% GAP discount. |
| up to 36 months | 4.99%–13.48% | Subcode C. Model year 2022-2026. Tier A: 4.99%, Tier B: 4.99%, Tier C: 4.99%, Tier D: 9.19%, Tier E: 13.48%. Rate includes 0.25% GAP discount. |
| up to 24 months | 4.99%–13.48% | Subcode C. Model year 2022-2026. Tier A: 4.99%, Tier B: 4.99%, Tier C: 4.99%, Tier D: 9.19%, Tier E: 13.48%. Rate includes 0.25% GAP discount. |
| 60–66 months | 6.74%–13.98% | Subcode C. Model year 2021. Tier A: 6.74%, Tier B: 7.23%, Tier C: 7.68%, Tier D: 10.68%, Tier E: 13.98%. Minimum/maximum amount $9,000. Rate includes 0.25% GAP discount. |
| 48–66 months | 6.74%–13.98% | Subcode C. Model year 2020-2021. Tier A: 6.74%, Tier B: 7.23%, Tier C: 7.68%, Tier D: 10.68%, Tier E: 13.98%. Rate includes 0.25% GAP discount. |
| 36–66 months | 6.74%–13.98% | Subcode C. Model year 2019-2021. Tier A: 6.74%, Tier B: 7.23%, Tier C: 7.68%, Tier D: 10.68%, Tier E: 13.98%. Rate includes 0.25% GAP discount. |
| 24–66 months | 6.74%–13.98% | Subcode C. Model year 2019-2021. Tier A: 6.74%, Tier B: 7.23%, Tier C: 7.68%, Tier D: 10.68%, Tier E: 13.98%. Rate includes 0.25% GAP discount. |
Sources (3)
All captured Oct 6, 2026
Who can join Baptist Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Groups associated with Tarrant Baptist Association, North Texas Area Baptist Association, and Bluebonnet Baptist Association are included in the field of membership.
- Employees of any church or institution associated with the Baptist General Convention of Texas (BGCT) are eligible for membership.
- Individual members and member churches of Christian Financial Association of America are eligible for membership.
- Members of churches in the Dallas Baptist Association (DBA) are eligible for membership.
- Employees of the San Antonio Baptist Association (SABA) and employees or members of churches belonging to SABA are eligible for membership.
- Staff of the Southern Baptist of Texas Convention (SBTC), and pastors, staff, and members of SBTC churches are eligible for membership.
1 more way to join
Military, government and schools
- Affiliates of Wayland University (San Antonio), Baptist University of the Americas, or Dallas Baptist University are eligible for membership.
Membership information collected October 5, 2026.