Credit union · NCUA insured
City Credit Union Auto Loan Rates
City Credit Union auto loans start at 5.09% APR for a new vehicle and 5.09% for a used one. Rates checked October 16, 2026.
How City Credit Union’s auto loan rates compare
Compared with banks and credit unions near Dallas, TX, where City Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
City Credit Union
5.09%APR
- Terms
- up to 60 months
- Up to
- 17.99% APR
Auto Loans
Lowest rate
PenFed Credit Union
3.84%APR
- Terms
- up to 60 months
- Up to
- —
2nd-lowest rate
Southwest Airlines Federal Credit Union
3.94%APR
- Terms
- —
- Up to
- —
City Credit Union auto loan score
81
Auto loan score
Higher than 56% of U.S. banks and credit unions
- New vehicleNew5.09%
- Used vehicleUsed5.09%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where City 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.
Auto Loans
For qualified borrowers only. Rates subject to credit approval. Rates current as of March 2026. Discounts available: 0.25% for payment from a City CU account, 0.25% for warranty purchase. Rates and terms may change without notice.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.49%–17.99% | For qualified borrowers only. Rates vary based on credit score. |
| up to 36 months | 4.99%–17.99% | For qualified borrowers only. Rates vary based on credit score. |
| up to 48 months | 5.24%–17.99% | For qualified borrowers only. Rates vary based on credit score. |
| up to 60 months | 5.09%–17.99% | For qualified borrowers only. Rates vary based on credit score. |
| up to 72 months | 5.34%–17.99% | For qualified borrowers only. Rates vary based on credit score. |
Sources (3)
All captured Oct 7, 2026
Who can join City 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This may be incomplete or out of date, so check with the credit union before you apply.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 individuals who live, work, worship, or attend school in Dallas, Collin, Denton, Tarrant, Rockwall, Kaufman, Ellis, Grayson, Cooke, Hunt, Parker, Wise, and Johnson counties in Texas.
Employers and groups
- Membership is open to individuals who work for or belong to one of City CU's Select Employer Groups (SEG).
Family and household
- Membership is open to individuals who have a family member who is a City CU member.
Membership information collected October 5, 2026.