Credit union · NCUA insured
ECU Credit Union Auto Loan Rates
ECU Credit Union auto loans start at 4.38% APR for a new vehicle and 5.50% for a used one. Rates checked October 15, 2026.
How ECU Credit Union’s auto loan rates compare
Compared with banks and credit unions near Houston, TX, where ECU Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
ECU Credit Union
4.38%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- None included
Auto Loans - New Vehicles
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
ECU Credit Union auto loan score
87
Auto loan score
Higher than 78% of U.S. banks and credit unions
- New vehicleNew4.38%
- 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 ECU 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 Rates - Used Vehicles
Rates are determined by collateral model year and term of loan. Overall fixed rates for used vehicles range from 4.375% APR to 9.75% APR. Listed tier rates are based on used vehicle model year 2025. All loans subject to credit approval. $75.00 application processing fee ($25 application fee and $50 processing fee) for vehicle secured loans.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.13% | Fixed rate; based on vehicle model year 2025 |
| up to 60 months | 5.50% | Fixed rate; based on vehicle model year 2025 |
| up to 72 months | 5.88% | Fixed rate; based on vehicle model year 2025 |
| up to 75 months | 6.00% | Fixed rate; based on vehicle model year 2025 |
| up to 78 months | 6.38% | Fixed rate; based on vehicle model year 2025 |
Sources (3)
- ecucreditunion.com/index.php/lending/auto-loans
- ecucreditunion.com/index.php/rate-2
- ecucreditunion.com/index.php/about/rates-fees/loan-rates
All captured Oct 15, 2026
Auto Loans - New Vehicles
Rates are determined by collateral model year and term of loan. All loans subject to credit approval. $75.00 application processing fee ($25 application fee and $50 processing fee) for vehicle secured loans.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.00% | Fixed rate |
| up to 36 months | 4.13% | Fixed rate |
| up to 48 months | 4.25% | Fixed rate |
| up to 60 months | 4.38% | Fixed rate |
| up to 72 months | 4.75% | Fixed rate |
| up to 78 months | 5.00% | Fixed rate |
| up to 84 months | 5.88% | Fixed rate |
Sources (3)
- ecucreditunion.com/index.php/lending/auto-loans
- ecucreditunion.com/index.php/rate-2
- ecucreditunion.com/index.php/about/rates-fees/loan-rates
All captured Oct 15, 2026
Motorcycle Loan Rates - New & Used
Financing up to 95% of MSRP/NADA Value. Rates are determined by collateral model year and term of loan. All loans subject to credit approval. $75.00 application processing fee for all vehicle secured loans. Other terms may be available.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 7.98% | Fixed rate; financing up to 95% of MSRP/NADA Value. |
Sources (2)
All captured Oct 15, 2026
Who can join ECU 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 individuals who live or work in the Florida counties of Hillsborough, Orange, Osceola, Pasco, Pinellas, or Seminole.
Employers and groups
- Membership is open to employees located at the Bardmoor Palms Facility.
- Membership is open to employees of companies located in the same complex as an ECU Credit Union branch office.
- Membership is open to employees of CVS Health.
- Membership is open to employees of Eckerd Kids.
- Membership is open to employees of Rite Aid.
4 more ways to join
Employers and groups
- Membership is open to subcontractors working primarily in a facility of the sponsor.
- Membership is open to employees of Walgreens.
Family and household
- Membership is open to family members of an existing member.
Other ways
- Membership is open to former ECU Credit Union members.
Cost to join
- A savings (share) account with a minimum balance of $25.00 is required to establish and maintain membership.
Membership information collected October 5, 2026.