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Credit union · NCUA insured

Chocolate Bayou Community Federal Credit Union Auto Loan Rates

Top Carrot, Carrot Score 93Top Carrot

Chocolate Bayou Community Federal Credit Union auto loans start at 4.17% APR for a new vehicle and 4.17% for a used one. Rates checked October 16, 2026.

How Chocolate Bayou Community Federal Credit Union’s auto loan rates compare

Compared with banks and credit unions near Houston, TX, where Chocolate Bayou Community Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.

  • Top Carrot, Carrot Score 93

    This credit union’s lowest

    Chocolate Bayou Community Federal Credit Union

    4.17%APR

    Terms
    up to 60 months
    Up to
    —
    Discount
    None included

    Auto Loans

  • Top Carrot, Carrot Score 94

    Lowest rate

    Lubrizol Employees' Credit Union

    3.24%APR

    Terms
    24–60 months
    Up to
    14.49% APR
    Discount
    Included in the rate

    Lubrizol Employees' Credit Union rates

  • Top Carrot, Carrot Score 89

    2nd-lowest rate

    CommonCents CU

    3.50%APR

    Terms
    —
    Up to
    —
    Discount
    None included

    CommonCents CU rates

Compare auto loan rates near you →

Chocolate Bayou Community Federal Credit Union auto loan score

93

Auto loan score

Higher than 95% of U.S. banks and credit unions

By vehicle
  • New vehicleNew4.17%
  • Used vehicleUsed4.17%

Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.

How the score works →

Where Chocolate Bayou Community 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.

Who can join Chocolate Bayou Community Federal 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This may be incomplete or out of date, so check with the credit union before you apply.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, or worship in Brazoria County are eligible for membership.

Employers and groups

  • Employees of Monsanto Chemical Company, Conoco, and Alvin Community College have gained membership eligibility as service groups.

Membership information collected October 5, 2026.

Check membership requirements ↗Branches and institution details
← Chocolate Bayou Community Federal Credit Union overview