Credit union · NCUA insured
Bayou City Federal Credit Union Auto Loan Rates
Bayou City Federal Credit Union auto loans start at 5.15% APR for a new vehicle and 5.15% for a used one. Rates checked October 16, 2026.
How Bayou City Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Houston, TX, where Bayou City Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Bayou City Federal Credit Union
5.15%APR
- Terms
- —
- Up to
- —
- Discount
- None included
New/Used Car Loans
Lowest rate
Lubrizol Employees' Credit Union
3.24%APR
- Terms
- 24–60 months
- Up to
- 14.49% APR
- Discount
- Included in the rate
2nd-lowest rate
CommonCents CU
3.50%APR
- Terms
- —
- Up to
- —
- Discount
- None included
Bayou City Federal Credit Union auto loan score
81
Auto loan score
Higher than 54% of U.S. banks and credit unions
- New vehicleNew5.15%
- Used vehicleUsed5.15%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Bayou City 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 Cars, Trucks & Motorcycles
Rate discounting available based on CU services utilized (maximum rate discount of 2% when all discounts applied). Down payment may be required and terms may be limited dependent upon credit, debt level, and collateral. Actual rate received may vary depending upon creditworthiness, debt-to-earnings, down payment and services with the credit union. Rates are before discounts.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.25%–16.50% | 50% financed. Rate before discounts. |
| up to 48 months | 5.25%–17.00% | 50% financed. Rate before discounts. |
| up to 60 months | 5.25%–17.00% | 50% financed. Rate before discounts. |
| up to 72 months | 5.25%–17.00% | 50% financed; loan amount over $20,000. Rate before discounts. |
| up to 36 months | 5.25%–16.75% | 60% financed. Rate before discounts. |
| up to 48 months | 5.25%–17.25% | 60% financed. Rate before discounts. |
| up to 60 months | 5.25%–17.25% | 60% financed. Rate before discounts. |
| up to 72 months | 5.25%–17.25% | 60% financed; loan amount over $20,000. Rate before discounts. |
| up to 36 months | 5.25%–17.00% | 70% financed. Rate before discounts. |
| up to 48 months | 5.25%–17.50% | 70% financed. Rate before discounts. |
| up to 60 months | 5.25%–17.50% | 70% financed. Rate before discounts. |
| up to 72 months | 5.50%–17.50% | 70% financed; loan amount over $20,000. Rate before discounts. |
| up to 36 months | 5.25%–17.25% | 80% financed. Rate before discounts. |
| up to 48 months | 5.25%–17.75% | 80% financed. Rate before discounts. |
| up to 60 months | 5.50%–17.75% | 80% financed. Rate before discounts. |
| up to 72 months | 5.75%–16.50% | 80% financed; loan amount over $20,000. Rate before discounts. |
| up to 36 months | 5.25%–17.50% | 120% financed. Rate before discounts. |
| up to 48 months | 5.50%–18.00% | 120% financed. Rate before discounts. |
| up to 60 months | 5.75%–18.00% | 120% financed. Rate before discounts. |
| up to 72 months | 6.00%–16.75% | 120% financed; loan amount over $20,000. Rate before discounts. |
Sources (1)
- bcfcu.com/credit-cards-loans/loan-rates · captured Oct 7, 2026
Texas Title Loans
Rate discounting available based on CU services utilized (maximum discount of 2%). Down payment may be required and terms may be limited dependent upon credit, debt level, and collateral. Actual rate received may vary depending upon creditworthiness, debt-to-earnings, down payment and services with the credit union.
| Terms | APR | Conditions |
|---|---|---|
| up to 12 months | 14.40% | 50% financed; vehicle mileage under 200,000 miles. |
| up to 24 months | 14.40% | 50% financed; vehicle mileage under 150,000 miles. |
| up to 36 months | 14.40% | 50% financed; vehicle mileage under 100,000 miles. |
Sources (1)
- bcfcu.com/credit-cards-loans/loan-rates · captured Oct 7, 2026
Who can join Bayou City 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
- Persons who live, work, or attend school within the bounded area of: IH 45 S to S Loop 610 W, to S Main, north to IH 45 S.
Employers and groups
- Employees or volunteers of the Memorial Hermann Healthcare system or one of its subsidiaries.
Family and household
- Persons living in the same residence and who maintain a single economic unit, excluding residents of a fraternity, sorority, or nursing home.
- Immediate family of a member of Bayou City FCU, including Parent, Grandparent, Spouse, Sibling, Child, Grandchild, Adopted Children, Stepparents, Stepchildren, and Stepsiblings.
Membership information collected October 5, 2026.