Credit union · NCUA insured
CPS IBEW FCU Auto Loan Rates
Top CarrotCPS IBEW FCU auto loan rates start at 4.99% APR. Rates checked October 16, 2026.
How CPS IBEW FCU’s auto loan rates compare
Compared with banks and credit unions near San Antonio, TX, where CPS IBEW FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
CPS IBEW FCU
– –
- Terms
- —
No ongoing APR published
Lowest rate
PenFed Credit Union
3.84%APR
- Terms
- up to 60 months
2nd-lowest rate
Baptist Credit Union
4.24%APR
- Terms
- —
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 Loan (New, Used, & Refinance)
No early payoff penalty. Flexible payment terms available from 12 to 72 months.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.99%–15.95% | All model years. Rate based on creditworthiness and term of loan. |
| up to 48 months | 4.99%–16.20% | All model years. Rate based on creditworthiness and term of loan. |
| up to 60 months | 4.99%–16.45% | 2020 and newer model years. Rate based on creditworthiness and term of loan. |
| up to 72 months | 5.59%–16.95% | 2024 and newer model years. Rate based on creditworthiness and term of loan. |
Sources (2)
All captured Oct 7, 2026
Who can join CPS IBEW FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of CPS Energy are eligible to join the credit union.
Family and household
- Immediate and extended family members of credit union members are eligible to join.
Cost to join
- Opening an account requires a $5 minimum share deposit and two valid forms of identification.
Membership information collected October 5, 2026.