Credit union · NCUA insured
BRAZOS VALLEY SCHOOLS CREDIT UNION Auto Loan Rates
Top CarrotBRAZOS VALLEY SCHOOLS CREDIT UNION auto loans start at 5.24% APR for a new vehicle and 5.24% for a used one. Rates checked October 16, 2026.
How BRAZOS VALLEY SCHOOLS CREDIT UNION’s auto loan rates compare
Compared with banks and credit unions near Houston, TX, where BRAZOS VALLEY SCHOOLS CREDIT UNION has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
BRAZOS VALLEY SCHOOLS CREDIT UNION
5.24%APR
- Terms
- up to 60 months
- Up to
- 17.24% APR
- Discount
- None included
2026 New Vehicles & Newer
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
BRAZOS VALLEY SCHOOLS CREDIT UNION auto loan score
79
Auto loan score
Higher than 48% of U.S. banks and credit unions
- New vehicleNew5.24%
- Used vehicleUsed5.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where BRAZOS VALLEY SCHOOLS 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.
2015 – 2018 Used Vehicles
All loans subject to credit approval and membership eligibility. APR is based on creditworthiness criteria. Loan rate and term are determined by the year of the vehicle. 100% financing available. No application fees or prepayment penalties.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.99%–17.99% | Up to 48 Months. APR based on creditworthiness. |
| up to 54 months | 6.24%–17.99% | Up to 54 Months. APR based on creditworthiness. |
2019 – 2022 Used Vehicles
All loans subject to credit approval and membership eligibility. APR is based on creditworthiness criteria. Loan rate and term are determined by the year of the vehicle. 100% financing available. No application fees or prepayment penalties.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.49%–17.99% | Up to 48 Months. APR based on creditworthiness. |
| up to 60 months | 5.74%–17.99% | Up to 60 Months. APR based on creditworthiness. |
2023-2025 Used Vehicles
All loans subject to credit approval and membership eligibility. APR is based on creditworthiness criteria. Loan rate and term are determined by the year of the vehicle. 100% financing available. No application fees or prepayment penalties.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.99%–17.49% | Up to 48 Months. APR based on creditworthiness. |
| up to 72 months | 5.24%–17.74% | Up to 72 Months. APR based on creditworthiness. |
2026 New Vehicles & Newer
All loans subject to credit approval and membership eligibility. APR is based on creditworthiness criteria. Loan rate and term are determined by the year of the vehicle. Specialty vehicles, such as specially-ordered vehicles, are only available for terms up to 72 months. 100% financing available. No application fees or prepayment penalties.
| Terms | APR | Conditions |
|---|---|---|
| up to 54 months | 4.99%–16.99% | Up to 48-54 Months. APR based on creditworthiness. |
| up to 60 months | 5.24%–17.24% | Up to 60 Months. APR based on creditworthiness. |
| up to 72 months | 5.49%–17.49% | Up to 72 Months. APR based on creditworthiness. |
| up to 84 months | 5.99%–17.74% | Up to 84 Months. APR based on creditworthiness. Specialty vehicles are only available for terms up to 72 months. |
Motorcycles
The Annual Percentage Rate (APR) received will be within the disclosed range based on creditworthiness criteria. Maximum Loan to Value is 90% of purchase price or NADA Retail Value. Special financing on motorcycles for law enforcement officers (check at any BVSCU office for details). Rates subject to change without notice.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 6.00%–12.25% | 48 Months. APR based on creditworthiness. Special financing for law enforcement officers available. |
| up to 54 months | 6.50%–12.75% | 54 Months. APR based on creditworthiness. Special financing for law enforcement officers available. |
| up to 60 months | 7.50%–13.75% | 60 Months. APR based on creditworthiness. Special financing for law enforcement officers available. |
| up to 72 months | 9.00%–15.25% | 72 Months. APR based on creditworthiness. Special financing for law enforcement officers available. |
Sources (1)
- bvscu.org/loans/rates-fees · captured Oct 6, 2026
Who can join BRAZOS VALLEY SCHOOLS CREDIT UNION
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school within the boundaries of 51 school districts are eligible for membership.
Family and household
- Individuals who have a family member currently belonging to BVSCU are eligible for membership.
Membership information collected October 5, 2026.