Credit union · NCUA insured
Credit Human Federal Credit Union Auto Loan Rates
Top CarrotCredit Human Federal Credit Union auto loans start at 5.69% APR for a new vehicle and 5.69% for a used one. Rates checked October 16, 2026.
How Credit Human Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near San Antonio, TX, where Credit Human Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Credit Human Federal Credit Union
5.69%APR
- Terms
- 24–84 months
- Up to
- 14.29% APR
Automobile Loan
Lowest rate
PenFed Credit Union
3.84%APR
- Terms
- up to 60 months
- Up to
- —
2nd-lowest rate
Baptist Credit Union
4.24%APR
- Terms
- —
- Up to
- —
Credit Human Federal Credit Union auto loan score
71
Auto loan score
Higher than 28% of U.S. banks and credit unions
- New vehicleNew5.69%
- Used vehicleUsed5.69%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Credit Human Federal 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.
Automobile Loan
Applies to car and truck loans for purchase, refinancing, and vehicle equity (cash-out refinance). Qualifying used vehicles must be 10 model years or newer with 150,000 miles or fewer. Rates dependent on credit rating, collateral value, amount financed, and other criteria. Minimum 680 FICO score and $25,000 amount financed to qualify for 79-84 month term. 5.69% APR is for 24-48 month term with minimum 780 FICO score and includes 0.40% discount for auto pay from a Credit Human checking account. Additional rate discounts may apply for vehicle value and EV/hybrid. No payment for 90 days applies to qualified borrowers with 680+ FICO score on loans of $7,500 or more. Finance up to 130% LTV available for qualified borrowers.
| Terms | APR | Conditions |
|---|---|---|
| 24–84 months | 5.69%–14.29% | Vehicle model year 2023 and newer. Minimum 680 FICO score and $25,000 amount financed to qualify for 79 - 84-month term. 5.69% APR is for a 24 - 48-month term with minimum 780 FICO score and includes .40% discount for setting up auto pay from a Credit Human checking account. Additional rate discounts may apply for vehicle value and EV/hybrid. |
| 24–72 months | 5.89%–14.29% | Vehicle model year 2021 - 2022. Minimum 680 FICO score and $25,000 amount financed to qualify for 79 - 84-month term. Additional rate discounts may apply. |
| 24–69 months | 5.89%–14.09% | Vehicle model year 2020. Additional rate discounts may apply. |
| 24–63 months | 5.89%–14.09% | Vehicle model year 2019. Additional rate discounts may apply. |
| 24–60 months | 5.89%–14.09% | Vehicle model year 2016 - 2018. Additional rate discounts may apply. |
Motorcycle Loan
Model year 2016 or newer. Specific rate and term dependent upon credit rating, collateral, amount financed and relationship with Credit Human. Vehicle values determined based on NADA Guide. APRs include a 0.20% discount for loan payments made automatically from any checking or saving account.
| Terms | APR | Conditions |
|---|---|---|
| 1–48 months | 7.44%–15.29% | Model year 2016 or newer. Specific rate and term dependent upon credit rating, collateral, amount financed and relationship with Credit Human. Vehicle values determined based on NADA Guide. APRs include a 0.20% discount for loan payments made automatically from any checking or saving account. |
| 49–60 months | 7.34%–15.19% | Model year 2016 or newer. Specific rate and term dependent upon credit rating, collateral, amount financed and relationship with Credit Human. Vehicle values determined based on NADA Guide. APRs include a 0.20% discount for loan payments made automatically from any checking or saving account. Payment example: For a $5,000 loan for a term of 60 months with a 7.34% APR, monthly payment is $299.43. |
| 61–72 months | 7.29%–15.14% | Model year 2016 or newer. Specific rate and term dependent upon credit rating, collateral, amount financed and relationship with Credit Human. Vehicle values determined based on NADA Guide. APRs include a 0.20% discount for loan payments made automatically from any checking or saving account. |
| 73–84 months | 7.24%–15.09% | Model year 2016 or newer. Specific rate and term dependent upon credit rating, collateral, amount financed and relationship with Credit Human. Vehicle values determined based on NADA Guide. APRs include a 0.20% discount for loan payments made automatically from any checking or saving account. |
Sources (1)
- credithuman.com/rates · captured Oct 16, 2026
Who can join Credit Human Federal 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 live, work, worship, or attend school in Credit Human's New Orleans service area are eligible for membership.
- Individuals who live, work, worship, or attend school in Credit Human's San Antonio service area are eligible for membership.
Employers and groups
- Employees or members of partner employers/organizations, or students at partner trade schools, colleges, or universities are eligible for membership.
Military, government and schools
- Veterans, retirees, active duty members, and dependents of members of the U.S. Armed Forces or National Guard are eligible for membership.
Family and household
- Individuals who have a family member who is a Credit Human member or who cohabitate with a Credit Human member are eligible for membership.
Other ways
- Individuals may join by enrolling in the Louisiana Consumer Council (LACC) if living in Louisiana, or the American Consumer Council (ACC) if living elsewhere in the U.S., with Credit Human paying the joining fee.
1 more way to join
Other ways
- Individuals who have a loan with Credit Human (including those opened through a dealership) are already members.
Cost to join
- Membership requires opening a Share Savings account with a minimum deposit of $5.00.
Membership information collected October 5, 2026.