Credit union · NCUA insured
DATCU Auto Loan Rates
Top CarrotDATCU auto loans start at 5.44% APR for a new vehicle and 5.44% for a used one. Rates checked October 7, 2026.
How DATCU’s auto loan rates compare
Compared with banks and credit unions near Dallas, TX, where DATCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
DATCU
5.44%APR
- Terms
- up to 72 months
Auto 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
- —
DATCU auto loan score
75
Auto loan score
Higher than 40% of U.S. banks and credit unions
- New vehicleNew5.44%
- Used vehicleUsed5.44%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where DATCU 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.
Auto Loans
Up to 100% financing. No application fee. Repayment periods up to 96 months. Flexible terms available. Subject to credit approval. Actual rate depends on credit score. Additional 0.15% discount available for 80% LTV. All loans must be MLA compliant.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 5.44% | Year-Model: 2023 – 2026. Rate depends on credit score. Additional 0.15% discount for 80% LTV available. Subject to credit approval. |
| up to 75 months | 5.69% | Year-Model: 2023 – 2026. Rate depends on credit score. Additional 0.15% discount for 80% LTV available. Subject to credit approval. |
| up to 78 months | 5.94% | Year-Model: 2023 – 2026. Rate depends on credit score. Additional 0.15% discount for 80% LTV available. Subject to credit approval. |
| up to 84 months | 6.34% | Year-Model: 2023 – 2026. Rate depends on credit score. Additional 0.15% discount for 80% LTV available. Subject to credit approval. |
| up to 96 months | 7.09% | Year-Model: Current Year Model. Rate depends on credit score. Additional 0.15% discount for 80% LTV available. Subject to credit approval. |
| up to 72 months | 5.64% | Year-Model: 2021 – 2022. Rate depends on credit score. Additional 0.15% discount for 80% LTV available. Subject to credit approval. |
| up to 75 months | 5.89% | Year-Model: 2021 – 2022. Rate depends on credit score. Additional 0.15% discount for 80% LTV available. Subject to credit approval. |
| up to 78 months | 6.14% | Year-Model: 2021 – 2022. Rate depends on credit score. Additional 0.15% discount for 80% LTV available. Subject to credit approval. |
| up to 60 months | 5.64% | Year-Model: 2019 – 2020. Rate depends on credit score. Additional 0.15% discount for 80% LTV available. Subject to credit approval. |
| up to 66 months | 6.14% | Year-Model: 2019 – 2020. Rate depends on credit score. Additional 0.15% discount for 80% LTV available. Subject to credit approval. |
| up to 48 months | 7.44% | Year-Model: 2018 – Older. Rate depends on credit score. Additional 0.15% discount for 80% LTV available. Subject to credit approval. |
| up to 60 months | 7.94% | Year-Model: 2018 – Older. Rate depends on credit score. Additional 0.15% discount for 80% LTV available. Subject to credit approval. |
Sources (1)
- datcu.org/Loans/Auto-Loans · captured Oct 7, 2026
Who can join DATCU
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 anyone living or working in Denton, Wise, Cooke, Clay, Montague, Collin, Dallas, Parker, Tarrant, Jack, or Grayson counties in Texas.
Military, government and schools
- Membership is open to students and alumni of Texas Women's University.
- Membership is open to students and alumni of the University of North Texas.
Family and household
- Membership is open to family members of current DATCU members, including parents, children, spouses, siblings, grandparents, grandchildren, stepparents, stepchildren, or stepsiblings.
Membership information collected October 5, 2026.