Credit union · NCUA insured
Citizens Federal Credit Union Auto Loan Rates
Citizens Federal Credit Union auto loan rates start at 5.99% APR. Rates checked October 16, 2026.
How Citizens Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions in Texas, where Citizens Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Citizens Federal Credit Union
– –
- Terms
- —
- Up to
- —
- Discount
- —
No ongoing APR published
Lowest rate
Valley Federal Credit Union
2.95%APR
- Terms
- up to 72 months
- Up to
- —
- Discount
- None included
2nd-lowest rate
Lubrizol Employees' Credit Union
3.24%APR
- Terms
- 24–60 months
- Up to
- 14.49% APR
- Discount
- Included in the rate
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/Used Vehicle Loans & Refinancing
The actual Annual Percentage Rate (APR) may vary according to overall credit history and term. All loans have a Fixed Annual Percentage Rate. Rates and terms are subject to change without notice. There are no minimum, fixed, transaction, activity, membership or participation fees to be imposed.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.99% | Example of a New/Used Auto Loan: $20,000 at a rate of 5.99% APR is 60 monthly payments of $386.44. May require a down payment depending on the qualifications of the borrower. |
Sources (2)
All captured Oct 7, 2026
Who can join Citizens Federal Credit Union
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