Credit union · NCUA insured
BP Federal Credit Union Auto Loan Rates
BP Federal Credit Union auto loans start at 6.25% APR for a new vehicle and 6.25% for a used one. Rates checked October 16, 2026.
How BP Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Houston, TX, where BP Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
BP Federal Credit Union
6.25%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- None included
Auto - New
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
BP Federal Credit Union auto loan score
64
Auto loan score
Higher than 12% of U.S. banks and credit unions
- New vehicleNew6.25%
- Used vehicleUsed6.25%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where BP 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.
Auto - New
Rates based on risk analysis which consist of financial history and credit score. Up to 100% financing available.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.40% | Current Year Vehicles |
| up to 48 months | 5.65% | Current Year Vehicles |
| up to 60 months | 6.25% | Current Year Vehicles |
| up to 72 months | 6.75% | Current Year Vehicles |
| up to 84 months | 7.10% | Luxury Autos $50,000+ |
| up to 96 months | 7.49% | Luxury Autos $50,000+ |
Auto - Used
Rates based on risk analysis which consist of financial history and credit score. Finance up to 100% of NADA Retail Value.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 5.10% | 8 Yr. |
| up to 36 months | 5.40% | 4 - 7 Yr. Old Vehicle |
| up to 48 months | 5.65% | 2 - 3 Yr. Old |
| up to 60 months | 6.25% | 1 Yr. Old Vehicle |
| up to 72 months | 6.75% | 1 Yr. Old Vehicle |
Who can join BP Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Full-time, part-time, temporary or casual employees, retirees, or annuitants of BP are eligible for membership.
- Contractors for BP are eligible for membership.
- Employees of listed participating companies and select groups are eligible for membership.
Family and household
- Domestic partners and family members (spouse, parents, grandparents, children [natural, adopted, or foster], siblings, grandchildren, and spouses of such members) of members are eligible for membership.
Membership information collected October 5, 2026.