Credit union · NCUA insured
Chemcel FCU Auto Loan Rates
Chemcel FCU auto loans start at 4.99% APR for a new vehicle and 4.99% for a used one. Rates checked October 16, 2026.
How Chemcel FCU’s auto loan rates compare
Compared with banks and credit unions near Corpus Christi, TX, where Chemcel FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Chemcel FCU
4.99%APR
- Terms
- 79–84 months
- Up to
- 18.00% APR
Auto Loans
Lowest rate
NSPIRE FCU
3.75%APR
- Terms
- —
- Up to
- —
2nd-lowest rate
STAR Financial Credit Union
3.79%APR
- Terms
- 36–84 months
- Up to
- 15.54% APR
Chemcel FCU auto loan score
83
Auto loan score
Higher than 62% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed4.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Chemcel 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.
Auto Loans
Available for new or used vehicles. Specific rate and term depend upon credit rating, collateral value, amount financed, and other factors. Financing includes tax, title, and license.
| Terms | APR | Conditions |
|---|---|---|
| 24–36 months | 4.99%–18.00% | Payment per $1,000 is $29.97 - $36.15. |
| 37–48 months | 4.99%–18.00% | Payment per $1,000 is $23.02 - $29.37. |
| 49–72 months | 4.99%–18.00% | Payment per $1,000 is $16.10 - $22.81. |
| 73–78 months | 4.99%–18.00% | Payment per $1,000 is $15.04 - $21.81. |
| 79–84 months | 4.99%–18.00% | Payment per $1,000 is $14.13 - $21.02. |
Sources (3)
- chemcel.org
- chemcel.org/benefits-resources…and-resources/rates.html
- chemcel.org/loans-credit/auto-loans.html
All captured Oct 6, 2026
Who can join Chemcel FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, work, conduct business, worship, or attend school in Jim Wells, Kleberg, or Nueces County, Texas, as well as businesses and other legal entities there, are eligible for membership.
Employers and groups
- Employees of Celanese Corporation working in or supervised from the Bishop plant, Clear Lake plant, Bay City plant, or Dallas office are eligible for membership.
- Retirees of Celanese Corporation's Bishop plant, Clear Lake plant, Bay City plant, or Dallas office are eligible for membership.
Family and household
- Immediate family members of a current Chemcel Federal Credit Union member are eligible for membership.
Membership information collected October 5, 2026.