Credit union · NCUA insured
DuGood Federal Credit Union Auto Loan Rates
DuGood Federal Credit Union auto loans start at 4.75% APR for a new vehicle and 4.75% for a used one. Rates checked October 16, 2026.
How DuGood Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Beaumont, TX, where DuGood Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
DuGood Federal Credit Union
4.75%APR
- Terms
- up to 60 months
New Car and Truck Loans
Lowest rate
CommonCents CU
3.50%APR
- Terms
- —
2nd-lowest rate
Gulf Credit Union
4.25%APR
- Terms
- up to 60 months
DuGood Federal Credit Union auto loan score
87
Auto loan score
Higher than 76% of U.S. banks and credit unions
- New vehicleNew4.75%
- Used vehicleUsed4.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where DuGood 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.
Auto Loan Refinance
Auto refinances must be from another institution. Actual rates vary based on creditworthiness, services used, and vehicle year model.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.50% | Vehicle Age: Up to 2026 |
| up to 60 months | 4.75% | Vehicle Age: 2022-2026 |
| up to 66 months | 4.85% | Vehicle Age: 2023-2026 |
| up to 72 months | 5.25% | Vehicle Age: 2024-2026 |
| up to 78 months | 5.50% | Vehicle Age: 2025-2026 |
| up to 84 months | 6.00% | New Autos Only. Minimum loan amount of $32,500 for 84-month term. |
New Car and Truck Loans
Actual rates vary based on creditworthiness, services used, and vehicle year model. Credit subject to approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.50% | Vehicle Age: Up to 2026 |
| up to 60 months | 4.75% | Vehicle Age: 2022-2026 |
| up to 66 months | 4.85% | Vehicle Age: 2023-2026 |
| up to 72 months | 5.25% | Vehicle Age: 2024-2026 |
| up to 78 months | 5.50% | Vehicle Age: 2025-2026 |
| up to 84 months | 6.00% | New Autos Only. Minimum loan amount of $32,500 for 84-month term. |
Sources (1)
- dugood.org/auto-loans · captured Oct 16, 2026
Used Car and Truck Loans
No minimum loan amount for used autos. Minimum credit score of 550 or higher required. Minimum applicant age 18 years.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.50% | Vehicle Age: Up to 2026. No minimum loan amount for Used Autos. |
| up to 60 months | 4.75% | Vehicle Age: 2022-2026. No minimum loan amount for Used Autos. |
| up to 66 months | 4.85% | Vehicle Age: 2023-2026. No minimum loan amount for Used Autos. |
| up to 72 months | 5.25% | Vehicle Age: 2024-2026. No minimum loan amount for Used Autos. |
| up to 78 months | 5.50% | Vehicle Age: 2025-2026. No minimum loan amount for Used Autos. |
Who can join DuGood 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 anyone who lives, works, or worships in Chambers, Hardin, Jasper, Jefferson, Liberty, Newton, Orange, or Tyler County.
Membership information collected October 5, 2026.