Credit union · NCUA insured
Education Credit Union Auto Loan Rates
Education Credit Union auto loans start at 4.99% APR for a new vehicle and 5.40% for a used one. Rates checked October 16, 2026.
How Education Credit Union’s auto loan rates compare
Compared with banks and credit unions near Amarillo, TX, where Education Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Education Credit Union
4.99%APR
- Terms
- 61–72 months
- Discount
- Included in the rate
Automobile (Cars, Vans, Pickups) Loans
Lowest rate
The People's Federal Credit Union
4.59%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
2nd-lowest rate
ALLIANCE Credit Union
4.70%APR
- Terms
- —
- Discount
- None included
Education Credit Union auto loan score
74
Auto loan score
Higher than 37% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed5.40%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Education 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.
Automobile (Cars, Vans, Pickups) Loans
With approved credit; rates include all loyal member loan rate discounts and are subject to change without notice.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.99% | New/Used 2026 to 2022 Year Old Models. Daily periodic rate 0.013671%. Includes all loyal member loan rate discounts. |
| 61–72 months | 4.99% | New/Used 2026 to 2022 Year Old Models. Daily periodic rate 0.013671%. Includes all loyal member loan rate discounts. |
| 73–84 months | 5.50% | New/Used 2026 to 2022 Year Old Models. Daily periodic rate 0.015068%. Includes all loyal member loan rate discounts. |
| up to 60 months | 5.40% | Used 2021 to 2011 Year Old Models. Daily periodic rate 0.014794%. Includes all loyal member loan rate discounts. |
| 61–72 months | 5.40% | Used 2021 to 2017. Daily periodic rate 0.014794%. Includes all loyal member loan rate discounts. |
Sources (1)
- educationcu.com/rates · captured Oct 6, 2026
Put Your Rate In Reverse (Auto Refinance)
Refinance vehicle financed elsewhere. With approved credit; rate based on creditworthiness. No payments for 90 days for A, B, C credit only (interest continues to accrue). Rates and conditions subject to change without notice.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.99% | For Autos (Car, Truck, Van). Sample payment per $1,000 borrowed for 12 months at 4.99% APR = $85.60. No payments for 90 days for A, B, C credit. |
Sources (2)
All captured Oct 6, 2026
Who can join Education Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone living, working, attending church, or attending school within 10 miles of any ECU location is eligible for membership.
Employers and groups
- Certified daycare workers in Potter and Randall counties are eligible for membership.
- Members of Canyon ISD Council PTA, Amarillo ISD Council PTA, WTAMU Alumni Association, or Bushland ISD Council PTA are eligible for membership.
Military, government and schools
- Homeschoolers in Potter, Randall, Armstrong, Carson, Donley, and Oldham counties, Texas, are eligible for membership.
- Employees of any public, private, or parochial school, college, or university in Potter, Randall, Armstrong, Carson, Donley, and Oldham counties, Texas, are eligible for membership.
- Students of any public, private, or parochial school, college, or university in Potter, Randall, Armstrong, Carson, Donley, and Oldham counties, Texas, are eligible for membership.
5 more ways to join
Military, government and schools
- Individuals holding a valid Texas teaching certificate are eligible for membership.
- Employees of District 4 of the Texas Department of Transportation across 18 Texas Panhandle counties are eligible for membership.
Family and household
- Spouses of eligible persons who died while in the field of membership are eligible for membership.
- Blood or legal relatives of anyone eligible for membership are eligible to join.
Other ways
- Retirees receiving retirement or pension due to employment by an organization in the field of membership are eligible for membership.
Cost to join
- A one-time membership fee of $1 is required.
- A savings account opening deposit of $5 is required.
Membership information collected October 5, 2026.