Credit union · NCUA insured
Cowboy Country FCU Auto Loan Rates
Cowboy Country FCU auto loans start at 5.99% APR for a new vehicle and 6.99% for a used one. Rates checked October 16, 2026.
How Cowboy Country FCU’s auto loan rates compare
Compared with banks and credit unions near Alice, TX, where Cowboy Country FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Cowboy Country FCU
5.99%APR
- Terms
- —
- Up to
- 12.00% APR
New Auto Loans
Lowest rate
Chemcel FCU
4.99%APR
- Terms
- 79–84 months
- Up to
- 18.00% APR
2nd-lowest rate
CoastLife Credit Union
5.00%APR
- Terms
- up to 60 months
- Up to
- —
Cowboy Country FCU auto loan score
64
Auto loan score
Higher than 11% of U.S. banks and credit unions
- New vehicleNew5.99%
- Used vehicleUsed6.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Cowboy Country FCU 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
Credit scoring determines rates and approval. Rates are for new automobiles. Application fee is $10.00.
| Terms | APR | Conditions |
|---|---|---|
| — | 5.99%–12.00% | Rates by credit tier: Tier A+/A (680+) at 5.99% APR, Tier B (640-679) at 7.49% APR, Tier C (600-639) at 8.00% APR, Tier D (555-599) at 12.00% APR. |
Repossessed Autos
Financing rate for all repossessed autos. Loan application fee (paper and online) is $10.00.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.00% | All repossessed autos will be financed at 4.00% |
Sources (2)
- cowboycountry.virtualcu.net/wp…s/2026/05/2026-RATES.pdf
- cowboycountry.virtualcu.net/wp…ates-sheet-9-22-2022-jpg
All captured Oct 6, 2026
Used Auto Loans
Credit scoring determines rates, terms, and approval. Term limits by vehicle model year: 2023-2025 up to 60-84 months, 2021-2022 up to 48 months, 2015-2020 up to 36 months. Application fee is $10.00.
| Terms | APR | Conditions |
|---|---|---|
| 60–84 months | 6.99%–13.00% | Model years 2023-2025 (60-84 mos.). Rates by credit tier: Tier A+/A (680+) at 6.99% APR, Tier B (640-679) at 8.49% APR, Tier C (600-639) at 9.00% APR, Tier D (555-599) at 13.00% APR. |
| up to 48 months | 6.99%–13.00% | Model years 2021-2022 (up to 48 mos.). Rates by credit tier: Tier A+/A (680+) at 6.99% APR, Tier B (640-679) at 8.49% APR, Tier C (600-639) at 9.00% APR, Tier D (555-599) at 13.00% APR. |
| up to 36 months | 6.99%–13.00% | Model years 2015-2020 (up to 36 mos.). Rates by credit tier: Tier A+/A (680+) at 6.99% APR, Tier B (640-679) at 8.49% APR, Tier C (600-639) at 9.00% APR, Tier D (555-599) at 13.00% APR. |
Who can join Cowboy Country FCU
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 Jim Wells or Brooks counties.
Other ways
- Membership is open to businesses or other legal entities located in Jim Wells or Brooks counties.
Cost to join
- A one-time deposit of $25 to open a Member Savings Account and a valid picture ID are required to become a member.
Membership information collected October 5, 2026.