Credit union · NCUA insured
Belton Federal Credit Union Auto Loan Rates
Belton Federal Credit Union auto loans start at 4.90% APR for a new vehicle. Rates checked October 16, 2026.
How Belton Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Killeen, TX, where Belton Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Belton Federal Credit Union
4.90%APR
- Terms
- up to 60 months
- Discount
- None included
New Vehicle 2025 and newer
Lowest rate
PenFed Credit Union
3.84%APR
- Terms
- up to 60 months
- Discount
- None included
2nd-lowest rate
Texell Credit Union
4.24%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Belton Federal Credit Union auto loan score
78
Auto loan score
Higher than 47% of U.S. banks and credit unions
- New vehicleNew4.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Belton 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 Vehicle 2025 and newer
To qualify for a loan, a member must have a current account. Each new loan application requires a $30.00 processing fee. Dealership rate matching on new vehicles per board approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.85% | Rates are set according to credit rating. |
| up to 60 months | 4.90% | Rates are set according to credit rating. |
| up to 72 months | 5.49% | Rates are set according to credit rating. |
| up to 84 months | 6.59% | Rates are set according to credit rating. |
Sources (1)
- beltonfcu.com/loan-information · captured Oct 7, 2026
Shopping for new wheels?
Low loan rate special for 1 yr. old or newer vehicles (cars, trucks, RVs or tractors). Pending credit approval.
| Terms | APR | Conditions |
|---|---|---|
| — | 1.99% | Applies to all 1 yr. old or newer vehicles. Pending credit approval. |
Sources (1)
- beltonfcu.com/need-a-new-vehicle · captured Oct 7, 2026
Used Vehicles 2016-2024/ Please contact BFCU for Recreational
To qualify for a loan, a member must have a current account. Each new loan application requires a $30.00 processing fee. Dealership rate matching on used vehicles per board approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.25% | — |
| up to 48 months | 5.45% | — |
| up to 60 months | 5.59% | — |
| up to 72 months | 5.99% | — |
Sources (1)
- beltonfcu.com/loan-information · captured Oct 7, 2026
Who can join Belton Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Employees and retirees of Belton Independent School District are eligible for membership.
- Employees and retirees of University of Mary Hardin Baylor are eligible for membership.
Family and household
- Immediate family members of eligible school district or university employees/retirees, and family members of eligible account holders, are eligible for membership.
Cost to join
- An initial deposit of $25 is required to become a member.
Membership information collected October 5, 2026.