Credit union · NCUA insured
Community Resource Credit Union Auto Loan Rates
Top CarrotCommunity Resource Credit Union auto loans start at 4.79% APR for a new vehicle and 4.79% for a used one. Rates checked October 16, 2026.
How Community Resource Credit Union’s auto loan rates compare
Compared with banks and credit unions near Houston, TX, where Community Resource Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Community Resource Credit Union
4.79%APR
- Terms
- up to 71 months
- Up to
- —
- Discount
- Included in the rate
New Autos
Lowest rate
Lubrizol Employees' Credit Union
3.24%APR
- Terms
- 24–60 months
- Up to
- 14.49% APR
- Discount
- Included in the rate
2nd-lowest rate
CommonCents CU
3.50%APR
- Terms
- —
- Up to
- —
- Discount
- None included
Community Resource Credit Union auto loan score
81
Auto loan score
Higher than 57% of U.S. banks and credit unions
- New vehicleNew4.79%
- Used vehicleUsed4.79%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Community Resource 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.
New Autos
Fewer than 7,500 miles. CRCU Membership required. Minimum approved loan amount is $500.00. Model must be current calendar year or next year. Financing up to 120% MSRP. Maximum LTV 120% including tax, license, and fees. Not available to refinance existing CRCU auto loan.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.74% | Up to 36 months repayment term. Includes all applicable discounts. Rate subject to change based on market conditions and borrower eligibility. |
| up to 48 months | 4.54% | Up to 48 months repayment term. Includes all applicable discounts. Rate subject to change based on market conditions and borrower eligibility. |
| up to 71 months | 4.79% | 71 months repayment term. Includes all applicable discounts. Rate subject to change based on market conditions and borrower eligibility. |
| up to 78 months | 5.29% | 78 months repayment term. Minimum finance amount is $15,000. Includes all applicable discounts. Rate subject to change based on market conditions and borrower eligibility. |
| up to 84 months | 5.54% | 84 months repayment term. Minimum finance amount is $45,000. Includes all applicable discounts. Rate subject to change based on market conditions and borrower eligibility. |
Sources (2)
- crcu.org/resources/resources-and-tools/rates-and-fees
- crcu.org/loans-and-credit-cards/loan-types/auto-loans
All captured Oct 7, 2026
Used Autos
Fewer than 100,000 miles. CRCU Membership required. Minimum approved loan amount is $500.00. CRCU finances up to 120% of NADA Retail value. Maximum LTV 120% including tax, license, and fees. Not available to refinance existing CRCU auto loan.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.74% | Up to 36 months repayment term. Includes all applicable discounts. Rate subject to change based on market conditions and borrower eligibility. |
| up to 48 months | 4.54% | Up to 48 months repayment term. Includes all applicable discounts. Rate subject to change based on market conditions and borrower eligibility. |
| up to 71 months | 4.79% | 71 months repayment term. Includes all applicable discounts. Rate subject to change based on market conditions and borrower eligibility. |
| up to 78 months | 5.29% | 78 months repayment term. Minimum finance amount is $15,000. Includes all applicable discounts. Rate subject to change based on market conditions and borrower eligibility. |
| up to 84 months | 5.54% | 84 months repayment term. Minimum finance amount is $45,000. Must be 2024 model year or newer. Includes all applicable discounts. Rate subject to change based on market conditions and borrower eligibility. |
Sources (2)
- crcu.org/resources/resources-and-tools/rates-and-fees
- crcu.org/loans-and-credit-cards/loan-types/auto-loans
All captured Oct 7, 2026
Who can join Community Resource Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who work, reside, worship, or attend school, businesses in Harris County, Texas, and their immediate family members are eligible.
- Persons who work, reside, worship, or attend school, and businesses located within the boundaries of Goose Creek, Barbers Hill, Crosby, Dayton, Huffman, Humble, Liberty, and New Caney ISDs are eligible.
- Persons who work, reside, worship, or attend school, businesses in Liberty or Chambers County, Texas, and their immediate family members are eligible.
- Persons who work, reside, worship, or attend school, and businesses located within the boundaries of Lynchburg, Texas are eligible.
- Persons who work, reside, worship, or attend school, businesses in Montgomery County, Texas, and their immediate family members are eligible.
Employers and groups
- Members of Cornerstone Credit Union Foundation are eligible for membership.
5 more ways to join
Employers and groups
- Persons receiving retirement, pension, or other benefits as results of prior employment by any business or organization included within the field of membership are eligible.
- Groups of employees or members of companies or associations located within reasonable geographic proximity of a credit union office with written evidence of desire to be eligible are eligible.
Military, government and schools
- Members of record of Baytown Teachers Credit Union as of its merger date, including school and government employees working or residing in Chambers County, are eligible.
Other ways
- Any business or organization whose employees or members are within the credit union's field of membership is eligible.
- Scholarship fund accounts associated with living or deceased members, organizations, or clubs within the field of membership are eligible.
Membership information collected October 5, 2026.