Credit union · NCUA insured
BCM FCU Auto Loan Rates
BCM FCU auto loans start at 9.45% APR for a new vehicle and 9.45% for a used one. Rates checked October 16, 2026.
How BCM FCU’s auto loan rates compare
Compared with banks and credit unions near Houston, TX, where BCM FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
BCM FCU
9.45%APR
- Terms
- —
- Up to
- —
- Discount
- None included
Classic Auto 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
BCM FCU auto loan score
60
Auto loan score
Higher than 1% of U.S. banks and credit unions
- New vehicleNew9.45%
- Used vehicleUsed9.45%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where BCM FCU 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.
Classic Auto Loans
| Terms | APR | Conditions |
|---|---|---|
| — | 9.45% | — |
| up to 60 months | 9.45% | — |
New Auto, Boat, & Motorcycle Loans
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 3.75% | 80% financing tier |
| up to 24 months | 4.75% | 100% financing tier |
| up to 36 months | 3.95% | 80% financing tier |
| up to 36 months | 4.95% | 100% financing tier |
| up to 48 months | 4.00% | 80% financing tier |
| up to 48 months | 5.20% | 100% financing tier |
Sources (1)
- bcmfcu.com/current-loan-rates- · captured Oct 7, 2026
Used Auto Loans
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.70% | Trade Value tier |
| up to 24 months | 4.95% | Retail Value tier |
| up to 36 months | 4.95% | Trade Value tier |
| up to 36 months | 5.20% | Retail Value tier |
Who can join BCM FCU
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.