Credit union · NCUA insured
Baylor Health Care System Credit Union Auto Loan Rates
Baylor Health Care System 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 Baylor Health Care System Credit Union’s auto loan rates compare
Compared with banks and credit unions near Dallas, TX, where Baylor Health Care System Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Baylor Health Care System Credit Union
5.25%APR
- Terms
- up to 60 months
Auto Loans
Lowest rate
PenFed Credit Union
3.84%APR
- Terms
- up to 60 months
2nd-lowest rate
Southwest Airlines Federal Credit Union
3.94%APR
- Terms
- —
Baylor Health Care System 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 Baylor Health Care System 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.
Auto Loans
No model older than 7 years old. Relationship discounts available up to 0.50% off Auto rates (combining any two 0.25% discounts: Loan Loyalty, Member Loyalty with active checking, Legacy Member 20+ years, Saver Loyalty with $20,000+ in deposits, or New Member joined in last 6 months). Terms up to 72 months; over 100% financing available for new and used/pre-owned vehicles.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.00% | Stated as 'As low as 5.00% APR*' for term < 48 Months. No model older than 7 years old. Up to 0.50% relationship discount available. |
| up to 60 months | 5.25% | Stated as 'As low as 5.25% APR*' for term 60 Months. No model older than 7 years old. Up to 0.50% relationship discount available. |
| up to 72 months | 5.50% | Stated as 'As low as 5.50% APR*' for term 72 Months. No model older than 7 years old. Up to 0.50% relationship discount available. |
Sources (4)
All captured Oct 6, 2026
Who can join Baylor Health Care System Credit Union
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