Credit union · NCUA insured
Cooperative Teachers Credit Union Auto Loan Rates
Cooperative Teachers Credit Union auto loans start at 4.99% APR for a new vehicle and 5.49% for a used one. Rates checked October 16, 2026.
How Cooperative Teachers Credit Union’s auto loan rates compare
Compared with banks and credit unions near Tyler, TX, where Cooperative Teachers Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Cooperative Teachers Credit Union
4.99%APR
- Terms
- up to 72 months
- Up to
- —
New Auto Loans (4 Years and Newer)
Lowest rate
Tyler City Employees CU
4.40%APR
- Terms
- up to 60 months
- Up to
- 13.40% APR
2nd-lowest rate
East Texas Professional Credit Union
4.74%APR
- Terms
- up to 66 months
- Up to
- —
Cooperative Teachers Credit Union auto loan score
80
Auto loan score
Higher than 52% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed5.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Cooperative Teachers 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 Auto Loans (4 Years and Newer)
Applicants must be an eligible member to apply. Rates vary depending on credit score. All loans are subject to credit approval. Credit restrictions apply. Rates and terms are subject to change at any time. Rate is determined by individual credit history and repayment term. Vehicles 4 years and newer (up to 10 years old overall for auto loans). School employees get a 0.25% discount.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 4.99% | Rates as low as 4.99%. Terms up to 72 months. |
Sources (2)
All captured Oct 7, 2026
Used Auto Loans (Older Than 4 Years)
Applicants must be an eligible member to apply. Rates vary depending on credit score. All loans are subject to credit approval. Credit restrictions apply. Rates and terms are subject to change at any time. Rate is determined by individual credit history and repayment term. For quality used vehicles older than 4 years (up to 10 years old). School employees get a 0.25% discount.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 7.89% | Rates as low as 7.89% for used cars, trucks, and SUVs; terms available up to 60 months (Tyler page). |
| up to 72 months | 5.49% | Rates as low as 5.49% for used cars, trucks, and SUVs; terms available up to 72 months (Lindale page). |
Who can join Cooperative Teachers Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who work within a 10-mile radius of CTCU are eligible to join.
- Individuals who live, work, worship, or attend school in Smith County are eligible to join.
Military, government and schools
- Retired teachers or retired certified school personnel living in CTCU's service area are eligible to join.
- School employees in Kaufman, Hopkins, Rain, Smith, Wood, or Van Zandt County are eligible to join.
- Individuals who receive Teacher Retirement as a result of working in CTCU's service area are eligible to join.
Family and household
- Direct relatives of existing CTCU members are eligible to join.
1 more way to join
Other ways
- Members of the CTCU Foundation are eligible to join.
Membership information collected October 5, 2026.