Credit union · NCUA insured
Edinburg Teachers Credit Union Auto Loan Rates
Top CarrotEdinburg Teachers Credit Union auto loans start at 4.50% APR for a new vehicle and 4.50% for a used one. Rates checked October 31, 2026.
How Edinburg Teachers Credit Union’s auto loan rates compare
New vehicle, lowest advertised APR. The lowest rate among banks and credit unions with branches in each area.
This credit union’s lowest
Edinburg Teachers Credit Union
4.50%APR
- Terms
- up to 72 months
Auto Loans
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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
Existing ETCU loans are not eligible for refinancing. All loans subject to credit approval and underwriting requirements. Rates and terms are subject to change without notice.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 4.50% | Promotional rate for October 1 – 31, 2026. All approved auto loans are eligible. Existing ETCU loans are not eligible for refinancing. Rates subject to credit approval and underwriting requirements. Rate based on creditworthiness and term of loan. |
Sources (3)
All captured Oct 31, 2026
Edinburg Teachers Credit Union auto loan score
89
Auto loan score
Higher than 89% of U.S. banks and credit unions
- New vehicleNew4.50%
- Used vehicleUsed4.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Who can join Edinburg Teachers Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of Edinburg Teachers Credit Union are eligible for membership.
Military, government and schools
- Employees of Edinburg Consolidated Independent School District are eligible for membership.
- Employees of Edcouch-Elsa Independent School District are eligible for membership.
- Employees of Lasara Independent School District are eligible for membership.
- Employees of La Villa Independent School District are eligible for membership.
- Employees of Monte Alto Independent School District are eligible for membership.
6 more ways to join
Military, government and schools
- Employees of Region One Educational Service Center are eligible for membership.
- Employees of South Texas Independent School District are eligible for membership.
- Employees of St. Joseph’s School are eligible for membership.
- Employees of University of Texas Rio Grande Valley are eligible for membership.
Family and household
- Family members of credit union members are eligible to join.
Other ways
- Retired employees from any of the listed eligible groups are eligible for membership.
Cost to join
- An initial membership deposit of $25.00 in a savings (share) account is required.
- A one-time fee of $1.00 is required.
Membership information collected October 5, 2026.