Credit union · NCUA insured
CSE Federal Credit Union Auto Loan Rates
CSE Federal Credit Union auto loans start at 6.10% APR for a new vehicle and 7.10% for a used one. Rates checked October 16, 2026.
How CSE Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Lake Charles, LA, where CSE Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
CSE Federal Credit Union
6.10%APR
- Terms
- up to 60 months
- Up to
- 11.35% APR
- Discount
- None included
New Auto Loans
Lowest rate
Calcasieu Teachers & Employees Credit Union
4.95%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- None included
2nd-lowest rate
Northrop Grumman Federal Credit Union
4.99%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- Included in the rate
CSE Federal Credit Union auto loan score
63
Auto loan score
Higher than 9% of U.S. banks and credit unions
- New vehicleNew6.10%
- Used vehicleUsed7.10%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where CSE 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.
New Auto Loans
CSE considers vehicles "new" when the vehicle is a current or previous year model and has under 40,000 miles. Membership and eligibility required. Subject to credit approval. Members may receive a 0.25% rate discount with Relationship Pricing (utilizing two of: Checking Account, Automatic Transfers for loan payments, eStatements). Loyalty Rebates offer up to $500 cash back on loans $60,000+ ($300 for loans $30,000+) through December 31, 2026.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 6.10%–10.85% | Monthly payment per $1,000 borrowed: $30.48 - $32.68. |
| up to 48 months | 6.10%–11.10% | Monthly payment per $1,000 borrowed: $23.54 - $25.91. |
| up to 60 months | 6.10%–11.35% | Maximum term for loans up to $15,000 is 60 months. Monthly payment per $1,000 borrowed: $19.39 - $21.93. |
| up to 72 months | 6.60%–11.60% | Loan amount is $15,001 or greater. Monthly payment per $1,000 borrowed: $16.87 - $19.35. |
| up to 84 months | 6.60%–11.85% | Loan amount is $30,001 or greater. Monthly payment per $1,000 borrowed: $14.91 - $17.59. |
New Motorcycle Loan
Subject to credit approval. Maximum term for loans up to $7,000 is 36 months. Loan amount is $7,001 or greater for up to 48 months, $10,001 or greater for up to 60 months, and $25,001 or greater for up to 72 months. Relationship pricing discount of 0.25% available with qualifying services.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 9.50%–14.00% | Maximum term for loans up to $7,000 is 36 months. Monthly Payment per $1,000 Borrowed: $32.04 - $34.19. |
| up to 48 months | 9.50%–14.50% | Loan amount is $7,001 or greater. Monthly Payment per $1,000 Borrowed: $25.13 - $27.59. |
| up to 60 months | 9.50%–14.75% | Loan amount is $10,001 or greater. Monthly Payment per $1,000 Borrowed: $21.01 - $23.67. |
| up to 72 months | 10.25%–11.25% | Loan amount is $25,001 or greater. Monthly Payment per $1,000 Borrowed: $18.66 - $19.17. |
Sources (1)
- csefcu.org/rates · captured Oct 5, 2026
Used Auto Loans
CSE considers vehicles "used" when a vehicle has over 40,000 miles. No cash out on vehicles older than seven years. Membership and eligibility required. Subject to credit approval. Members may receive a 0.25% rate discount with Relationship Pricing (utilizing two of: Checking Account, Automatic Transfers for loan payments, eStatements). Loyalty Rebates offer up to $500 cash back on loans $60,000+ ($300 for loans $30,000+) through December 31, 2026.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 6.35%–10.85% | Maximum term for loans up to $5,000 is 24 months. Monthly payment per $1,000 borrowed: $44.49 - $46.55. |
| up to 36 months | 6.35%–11.35% | Maximum term for loans up to $7,000 is 36 months. Monthly payment per $1,000 borrowed: $30.59 - $32.92. |
| up to 48 months | 6.35%–11.60% | Loan amount is $7,001 or greater. Monthly payment per $1,000 borrowed: $23.66 - $26.15. |
| up to 60 months | 7.10%–11.85% | Loan amount is $14,001 or greater. Monthly payment per $1,000 borrowed: $19.86 - $22.18. |
| up to 72 months | 7.10%–12.10% | Loan amount is $25,001 or greater. Monthly payment per $1,000 borrowed: $17.11 - $19.62. |
Used Motorcycle Loan
Subject to credit approval. Maximum term for loans up to $7,000 is 36 months. Loan amount is $7,001 or greater for up to 48 months, and $15,001 or greater for up to 60 months. Relationship pricing discount of 0.25% available with qualifying services.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 10.50%–15.50% | Maximum term for loans up to $7,000 is 36 months. Monthly Payment per $1,000 Borrowed: $32.51 - $34.92. |
| up to 48 months | 10.50%–15.50% | Loan amount is $7,001 or greater. Monthly Payment per $1,000 Borrowed: $25.61 - $28.10. |
| up to 60 months | 10.50%–15.50% | Loan amount is $15,001 or greater. Monthly Payment per $1,000 Borrowed: $21.50 - $24.06. |
Sources (1)
- csefcu.org/rates · captured Oct 5, 2026
Who can join CSE 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
- Membership is open to persons who live, work, regularly conduct business in, worship, attend school in, volunteer in the community, and businesses and other legal entities in Allen, Beauregard, Calcasieu, Cameron, Jefferson Davis, or Vernon Parishes, Louisiana.
Employers and groups
- Membership is open to employees of CSE Business Partners.
Family and household
- Membership is open to immediate family of current CSE members (limited to spouses, children, stepchildren, parents, grandparents, grandchildren, siblings), regardless of where those family members live.
- Membership is open to current CSE members' household residents (persons living in the same residence maintaining a single economic unit).
- Membership is open to spouses of persons who died while within CSE's field of membership.
Other ways
- Membership is open to organizations of eligible persons.
Membership information collected October 5, 2026.