Credit union · NCUA insured
Education First Federal Credit Union Auto Loan Rates
Education First Federal Credit Union auto loans start at 4.50% APR for a new vehicle and 4.50% for a used one. Rates checked October 16, 2026.
How Education First Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Beaumont, TX, where Education First Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Education First Federal Credit Union
4.50%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
New and Used Vehicle Loan
Lowest rate
CommonCents CU
3.50%APR
- Terms
- —
- Discount
- None included
2nd-lowest rate
Gulf Credit Union
4.25%APR
- Terms
- up to 60 months
- Discount
- None included
Education First Federal Credit Union auto loan score
87
Auto loan score
Higher than 76% 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.
Where Education First 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.
New and Used Vehicle Loan
Open to anyone who lives, works, or worships in Angelina, Chambers, Jasper, Jefferson, Hardin, Liberty, Newton, Orange, Polk, Sabine, San Augustine, Shelby, Trinity, and Tyler counties in Texas. Rates are the same for new or used car purchases. APR shown reflects best rate including discounts and may be different based on credit underwriting, amount financed, loan term, vehicle characteristics, or services used. Save up to 1% discount by signing up for direct deposit, automatic payments, and vehicle payment protection; 0.25% auto pre-approval/auto refinance discount applies to new and used vehicles - new money only.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.00% | Reflects best rate including discounts. 0.25% auto pre-approval/auto refinance discount applies to new and used vehicles - new money only. |
| up to 48 months | 4.25% | Reflects best rate including discounts. 0.25% auto pre-approval/auto refinance discount applies to new and used vehicles - new money only. |
| up to 60 months | 4.50% | Reflects best rate including discounts. 0.25% auto pre-approval/auto refinance discount applies to new and used vehicles - new money only. |
| up to 72 months | 5.00% | Reflects best rate including discounts. 0.25% auto pre-approval/auto refinance discount applies to new and used vehicles - new money only. |
| up to 78 months | 5.25% | Reflects best rate including discounts. 0.25% auto pre-approval/auto refinance discount applies to new and used vehicles - new money only. |
| up to 84 months | 5.50% | Reflects best rate including discounts. 0.25% auto pre-approval/auto refinance discount applies to new and used vehicles - new money only. |
Sources (3)
- educationfirstfcu.org/personal/auto
- educationfirstfcu.org/personal/auto/auto-loans
- educationfirstfcu.org/current-rates-fees/loan-rates
All captured Oct 6, 2026
Who can join Education First 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
- Individuals who live, work, worship, or attend school in Angelina, Chambers, Jasper, Jefferson, Hardin, Liberty, Newton, Orange, Polk, Sabine, San Augustine, Shelby, Tyler, or Trinity County, Texas are eligible for membership.
Military, government and schools
- Current or retired employees of East Chambers or High Island Independent School District are eligible for membership.
Family and household
- Family members of an Education First member (including spouse, children, parents, sibling) are eligible for membership.
Membership information collected October 5, 2026.