Credit union · NCUA insured
Baycel Federal Credit Union Auto Loan Rates
Baycel Federal Credit Union auto loans start at 5.25% APR for a new vehicle and 5.25% for a used one. Rates checked October 16, 2026.
How Baycel Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Bay City, TX, where Baycel Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Baycel Federal Credit Union
5.25%APR
- Terms
- —
- Discount
- None included
New Auto
Lowest rate
First Service Credit Union
3.99%APR
- Terms
- 36–84 months
- Discount
- Included in the rate
3rd-lowest rate
TDECU
6.10%APR
- Terms
- 48–84 months
- Discount
- Included in the rate
Baycel Federal Credit Union auto loan score
77
Auto loan score
Higher than 44% of U.S. banks and credit unions
- New vehicleNew5.25%
- Used vehicleUsed5.25%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Baycel 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 Auto
For qualified members of Baycel FCU. Some restrictions apply. Rates are subject to change without notice.
| Terms | APR | Conditions |
|---|---|---|
| — | 5.25% | 'As low as' rate is based on lowest available term with current incentives. Other financing and term options are available. |
Sources (1)
- baycel.org/ps-lrates.html · captured Oct 7, 2026
Used Auto
For qualified members of Baycel FCU. Some restrictions apply. Rates are subject to change without notice.
| Terms | APR | Conditions |
|---|---|---|
| — | 5.25% | 'As low as' rate is based on lowest available term with current incentives. Other financing and term options are available. |
Sources (1)
- baycel.org/ps-lrates.html · captured Oct 7, 2026
Who can join Baycel 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This may be incomplete or out of date, so check with the credit union before you apply.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, attend school, or worship in Matagorda County are eligible for membership.
Family and household
- Immediate family members (mother, father, brother, sister, children) of members are eligible to join.
Membership information collected October 5, 2026.