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Credit union · NCUA insured

Concho Valley Credit Union Auto Loan Rates

Concho Valley Credit Union auto loans start at 4.50% APR for a new vehicle and 4.00% for a used one. Rates checked October 16, 2026.

How Concho Valley Credit Union’s auto loan rates compare

Compared with banks and credit unions near San Angelo, TX, where Concho Valley Credit Union has the most branches. New vehicle, lowest advertised APR first.

  • This credit union’s lowest

    Concho Valley Credit Union

    4.50%APR

    Terms
    up to 60 months
    Discount
    None included

    New Auto

  • 2nd-lowest rate

    1st Community Federal Credit Union

    4.75%APR

    Terms
    up to 60 months
    Discount
    Included in the rate

    1st Community Federal Credit Union rates

  • Top Carrot, Carrot Score 91

    3rd-lowest rate

    Texas Trust Credit Union

    5.85%APR

    Terms
    up to 66 months
    Discount
    None included

    Texas Trust Credit Union rates

Compare auto loan rates near you →

Concho Valley Credit Union auto loan score

92

Auto loan score

Higher than 93% of U.S. banks and credit unions

By vehicle
  • New vehicleNew4.50%
  • Used vehicleUsed4.00%

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 Concho Valley 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 Concho Valley 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This may be incomplete or out of date, so check with the credit union before you apply.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 live, work, or worship in Tom Green County are eligible for membership.

Military, government and schools

  • Postal, Federal, State, County, or City Employees in Coke, Concho, Crockett, Irion, Kimble, Menard, Reagan, Schleicher, Sterling, Sutton, or Runnels counties are eligible.
  • Retired persons from the eligible employment fields are eligible for membership.
  • Former employees of Texas Employment Commission in Region 5 and 11, employees of the Texas Workforce Commission (TWC) in Region 5 and 11, and contractors and their employees who work under contract for TWC in Regions 5 and 11 are eligible.

Family and household

  • Family members of eligible members, whether residing with the member or not, are eligible for membership.
  • Unremarried spouses of persons who died while eligible for membership are eligible for membership.
1 more way to join

Other ways

  • Members of record of San Angelo TWC Credit Union as of the effective date of its merger with Concho Valley Credit Union are eligible.

Membership information collected October 5, 2026.

Check membership requirements ↗Branches and institution details
← Concho Valley Credit Union overview