Credit union · NCUA insured
Dallas U.P. Employees CU Auto Loan Rates
Dallas U.P. Employees CU auto loans start at 4.50% APR for a new vehicle and 5.50% for a used one. Rates checked October 16, 2026.
How Dallas U.P. Employees CU’s auto loan rates compare
Compared with banks and credit unions near Dallas, TX, where Dallas U.P. Employees CU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Dallas U.P. Employees CU
4.50%APR
- Terms
- —
Collateral Loans
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
- —
Dallas U.P. Employees CU auto loan score
85
Auto loan score
Higher than 71% of U.S. banks and credit unions
- New vehicleNew4.50%
- Used vehicleUsed5.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Dallas U.P. Employees CU 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.
Collateral Loans
Collateral loans cover vehicles, motorcycles, boats, RVs, ATVs, UTVs and anything that has a title, including antique or classic vehicles with a title and certified appraisal. Rate is based on creditworthiness and term of loan.
| Terms | APR | Conditions |
|---|---|---|
| — | 3.50% | New Collateral - Last year or newer; Rate based on creditworthiness and term of loan |
| — | 4.50% | Two Year Old Collateral; Rate based on creditworthiness and term of loan |
| — | 5.50% | Used Collateral - Three years or older; Rate based on creditworthiness and term of loan |
Who can join Dallas U.P. Employees CU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is open to all employees of the Union Pacific Railroad.
Family and household
- Membership is open to immediate family members (spouses, children, parents, siblings, and grandparents) of Union Pacific Railroad employees.
Cost to join
- New members must make an initial deposit of $25.
- New members must pay a $5 new member fee.
Membership information collected October 5, 2026.