Credit union · NCUA insured
East Texas Professional Credit Union Auto Loan Rates
Top CarrotEast Texas Professional Credit Union auto loans start at 4.74% APR for a new vehicle and 4.74% for a used one. Rates checked October 16, 2026.
How East Texas Professional Credit Union’s auto loan rates compare
Compared with banks and credit unions near Longview, TX, where East Texas Professional Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
East Texas Professional Credit Union
4.74%APR
- Terms
- up to 66 months
- Up to
- —
Auto Loans
2nd-lowest rate
Eastman Credit Union
4.74%APR
- Terms
- 36–120 months
- Up to
- 12.24% APR
3rd-lowest rate
Telco Plus Credit Union
4.74%APR
- Terms
- 36–84 months
- Up to
- —
East Texas Professional Credit Union auto loan score
87
Auto loan score
Higher than 80% of U.S. banks and credit unions
- New vehicleNew4.74%
- Used vehicleUsed4.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where East Texas Professional 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 Loans
ETPCU membership required. Up to 100% financing (including tax, title and license). Terms up to 72 months with approved credit. Fixed annual percentage rates. All loans subject to credit score, loan to value, age of collateral, and normal ETPCU underwriting guidelines.
| Terms | APR | Conditions |
|---|---|---|
| up to 66 months | 4.74% | 2025 year models and newer. Minimum credit score 740. Payment example: 66 monthly payments of $17.25 per $1,000 borrowed. Not applicable on existing ETPCU loans and no other discounts apply. |
| up to 72 months | 4.79% | 2025 year models and newer. Minimum credit score 740. Payment example: 72 monthly payments of $16.02 per $1,000 borrowed. Not applicable on existing ETPCU loans and no other discounts apply. |
| — | 4.79% | Base rate for New Vehicles 2027-2025 Models. Please call for term information. Rates vary based on credit risk score, loan term, loan-to-value ratio, and age of collateral. |
| — | 5.29% | Base rate for Used Vehicles 2024 Models. Please call for term information. Rates vary based on credit risk score, loan term, loan-to-value ratio, and age of collateral. |
| — | 5.49% | Base rate for Used Vehicles 2023 Models. Please call for term information. Rates vary based on credit risk score, loan term, loan-to-value ratio, and age of collateral. |
| — | 5.99% | Base rate for Used Vehicles 2022 & Older Models. Please call for term information. Rates vary based on credit risk score, loan term, loan-to-value ratio, and age of collateral. |
Sources (3)
All captured Oct 7, 2026
Who can join East Texas Professional 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 all who live or work in Anderson County.
- Membership is open to all who live or work in Angelina County.
- Membership is open to all who live, work, or attend school within a 10-mile radius of an ETPCU office location in Camp County.
- Membership is open to all who live, work, or attend school within a 10-mile radius of an ETPCU office location in Cass County.
- Membership is open to all who live or work in the northern half of Cherokee County.
- Membership is open to all who live, work, or attend school within a 10-mile radius of an ETPCU office location in Franklin County.
19 more ways to join
Where you live or work
- Membership is open to all who live or work in Gregg County.
- Membership is open to all who live or work in Harrison County.
- Membership is open to all who live or work in Henderson County.
- Membership is open to all who live, work, or attend school in Marion County.
- Membership is open to all who live or work in Morris County.
- Membership is open to all who live or work in Nacogdoches County.
- Membership is open to all who live or work in Panola County.
- Membership is open to all who live or work in Rusk County.
- Membership is open to all who live or work in Smith County.
- Membership is open to all who live, work, or attend school in Titus County.
- Membership is open to all who live, work, or attend school in Upshur County.
Employers and groups
- Membership is open to any business or organization whose employees or members are within the Camp County field of membership.
- Membership is open to employees of this credit union.
- Membership is open to employees of U.S. Steel, Texas Operations (formerly Lone Star Steel Company), Texas and Northern Railway Company, T&N Lone Star Warehouse Co., T&N Fabricators, Inc., and Lone Star Trucking Company, Inc., who work in Texas, Oklahoma, Illinois, Colorado, Ohio, Louisiana, Georgia, and Tennessee.
Military, government and schools
- Membership is open to all employed or certified to work in education, health care, professional fields, government / social services, and students (as outlined in written Board policy) in Camp County.
- Membership is open to all employed or certified to work in the education field in Avinger ISD and Hughes Springs ISD.
Family and household
- Membership is open to spouses of persons who died while within the field of membership of this Credit Union.
- Membership is open to relatives (including spouse, parents, grandparents, children, grandchildren, great grandchildren, brothers, sisters, and in-laws) of an individual who is either a current member or eligible for membership at East Texas Professional Credit Union.
Other ways
- Membership is open to persons receiving retirement, pension, or other benefits as a result of prior employment by any business or organization included within this field of membership.
Cost to join
- Each account holder must deposit a minimum share deposit of $5 into a savings account, remaining on deposit throughout membership.
Membership information collected October 5, 2026.