Credit union · NCUA insured
CommonCents CU Auto Loan Rates
Top CarrotCommonCents CU auto loans start at 3.50% APR for a new vehicle and 3.50% for a used one. Rates checked October 16, 2026.
How CommonCents CU’s auto loan rates compare
Compared with banks and credit unions near Beaumont, TX, where CommonCents CU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
CommonCents CU
3.50%APR
- Terms
- —
Auto Loans
2nd-lowest rate
Gulf Credit Union
4.25%APR
- Terms
- up to 60 months
3rd-lowest rate
Neches Federal Credit Union
4.25%APR
- Terms
- up to 60 months
CommonCents CU auto loan score
98
Auto loan score
Higher than 99% of U.S. banks and credit unions
- New vehicleNew3.50%
- Used vehicleUsed3.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where CommonCents CU 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
Financing available for new and used vehicles (cars and trucks) and non-CCCU loan refinances. Up to 100% financing of invoice price on new autos and 100% of NADA Trade-In value on used autos. Rates based on creditworthiness and term of loan. Membership eligibility requires living, working, worshipping, or attending school in Chambers County or Jefferson County, Texas.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.50% | Rate as low as; based on creditworthiness and term of loan. |
| up to 48 months | 4.50% | Rate as low as; based on creditworthiness and term of loan. |
| up to 60 months | 4.50% | Rate as low as; based on creditworthiness and term of loan. |
| up to 72 months | 5.00% | Rate as low as; based on creditworthiness and term of loan. |
| up to 84 months | 5.75% | Rate as low as; based on creditworthiness and term of loan. |
| — | 3.50% | 'Pick Your Perk' promotional rate discount of 1.00% lower than applicant's qualified loan rate, with a minimum floor rate of 3.50% APR. Requires at least $5,000 of new money financed or refinanced from another institution and scheduled automatic repayments from a CCCU share or share draft account in good standing. Valid August 3, 2026 through October 30, 2026, or until 60 qualifying loans are approved and funded. |
Who can join CommonCents CU
This may be incomplete or out of date, so check with the credit union before you apply.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, worship, or attend school in Jefferson or Chambers County, as well as business entities located in those counties, are eligible for membership.
Family and household
- Individuals who have an immediate family member who is part of the CommonCents Credit Union family are eligible for membership.
Membership information collected October 5, 2026.