Credit union · NCUA insured
Cy-Fair FCU Auto Loan Rates
Top CarrotCy-Fair FCU auto loans start at 4.25% APR for a new vehicle and 4.25% for a used one. Rates checked October 16, 2026.
How Cy-Fair FCU’s auto loan rates compare
Compared with banks and credit unions near Houston, TX, where Cy-Fair FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Cy-Fair FCU
4.25%APR
- Terms
- 36–84 months
- Up to
- —
- Discount
- None included
New & Used Auto
Lowest rate
Lubrizol Employees' Credit Union
3.24%APR
- Terms
- 24–60 months
- Up to
- 14.49% APR
- Discount
- Included in the rate
2nd-lowest rate
CommonCents CU
3.50%APR
- Terms
- —
- Up to
- —
- Discount
- None included
Cy-Fair FCU auto loan score
92
Auto loan score
Higher than 93% of U.S. banks and credit unions
- New vehicleNew4.25%
- Used vehicleUsed4.25%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Cy-Fair 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 & Used Auto
Rates determined by evaluation of applicant credit. Up to 130% financing available depending on credit score, vehicle year, and add-on products. Rate discounts up to 1.00% available for Credit Life/Disability, Warranty, Member Loyalty, and down payment bringing vehicle equity <= 80%. Establishing a savings account with $5 required for credit union membership. $200 cash back available on qualifying auto loan purchases of $20,000 or more (offer expires 10/31/2026).
| Terms | APR | Conditions |
|---|---|---|
| 36–84 months | 4.25% | As low as rate starts at 36-month term for well-qualified borrowers. Loan terms up to 84 months available on qualifying vehicle loans. Rate discounts up to 1.00% off for Credit Life/Disability, Warranty, Member Loyalty, and down payment bringing vehicle equity <= 80%. |
Who can join Cy-Fair 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This may be incomplete or out of date, so check with the credit union before you apply.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 Harris County or specified zip codes of Waller County (77423, 77445, 77484, 77446, 77447).
Family and household
- Membership is open to anyone who has immediate family who are currently members of Cy-Fair FCU.
Membership information collected October 5, 2026.