Credit union · NCUA insured
Credit Union of Texas Auto Loan Rates
Top CarrotCredit Union of Texas auto loan rates start at 3.99% APR. Rates checked October 16, 2026.
How Credit Union of Texas’s auto loan rates compare
Compared with banks and credit unions near Dallas, TX, where Credit Union of Texas has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Credit Union of Texas
– –
- Terms
- —
No ongoing APR published
Lowest rate
PenFed Credit Union
3.84%APR
- Terms
- up to 60 months
2nd-lowest rate
Southwest Airlines Federal Credit Union
3.94%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.
New or Used Auto Loan
Membership required. Loans and rates are subject to credit approval. The promotional rate and term are subject to change without notice. Rate depends on individual circumstances including credit history, loan amount, down payment, and CUTX lending policies. Delay first payment for up to 90 or 120 days available for applicants with FICO score of 680 or above (excludes existing CUTX loans; promotion valid from 10/1/2026 through 12/31/2026; interest accrues during deferment).
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 3.99% | Limited-time promotional rate for qualifying borrowers on loans with a term of 24 months or less. Example: A typical 24-month $20,000 auto loan with a fixed 3.99% APR would have 24 monthly principal and interest payments of $843.91. |
Sources (1)
- cutx.org/auto-loans · captured Oct 16, 2026
Who can join Credit Union of Texas
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.