Credit union · NCUA insured
Centex Citizens Credit Union Auto Loan Rates
Centex Citizens Credit Union auto loans start at 4.64% APR for a new vehicle and 6.19% for a used one. Rates checked October 16, 2026.
How Centex Citizens Credit Union’s auto loan rates compare
Compared with banks and credit unions near Dallas, TX, where Centex Citizens Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Centex Citizens Credit Union
4.64%APR
- Terms
- up to 75 months
New Vehicles
Lowest rate
PenFed Credit Union
3.84%APR
- Terms
- up to 60 months
2nd-lowest rate
Southwest Airlines Federal Credit Union
3.94%APR
- Terms
- —
Centex Citizens Credit Union auto loan score
82
Auto loan score
Higher than 61% of U.S. banks and credit unions
- New vehicleNew4.64%
- Used vehicleUsed6.19%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Centex Citizens 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 Vehicles
Rate based on creditworthiness and term of loan. Rates subject to change at any time and are not guaranteed.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.59% | 2025 and Newer |
| up to 75 months | 4.64% | 2025-2027 |
| up to 84 months | 5.14% | 2025 -2027 |
Used Vehicles
Rate based on creditworthiness and term of loan. Rates subject to change at any time and are not guaranteed.
| Terms | APR | Conditions |
|---|---|---|
| up to 75 months | 6.19% | 2024-2021 |
| up to 63 months | 7.09% | 2020 and Older |
Who can join Centex Citizens Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to persons who live, work, worship, or attend school in, and businesses and other legal entities located in, Limestone, Freestone, Navarro, Ellis, Falls, Henderson, Leon, and Robertson counties, eligible portions of Hill County (including Hillsboro), and the city of Mart, Texas, subject to stated credit union eligibility exclusions.
Membership information collected October 5, 2026.