Credit union · NCUA insured
Educators Credit Union Auto Loan Rates
Educators Credit Union auto loans start at 5.24% APR for a new vehicle and 5.24% for a used one. Rates checked October 16, 2026.
How Educators Credit Union’s auto loan rates compare
Compared with banks and credit unions near Waco, TX, where Educators Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Educators Credit Union
5.24%APR
- Terms
- up to 66 months
- Discount
- None included
New Automobile
Lowest rate
Texell Credit Union
4.24%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
2nd-lowest rate
Heart O' Texas Federal Credit Union
4.55%APR
- Terms
- —
- Discount
- None included
Educators Credit Union auto loan score
79
Auto loan score
Higher than 48% of U.S. banks and credit unions
- New vehicleNew5.24%
- Used vehicleUsed5.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Educators 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 Special (2020 Model or Newer)
ECU membership required. Excludes existing ECU loans and indirect loans. Subject to normal credit approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 25 months | 3.99% | For 2020 model or newer. As low as rate is based on a credit score of 740+, a loan-to-value less than 80%, and includes discounts for at least two of the following services: ECU direct deposit, GAP insurance, Mechanical Breakdown insurance, credit life/disability insurance, or an insurance policy through Educators Insurance Services. Payment example: $41.75 per $1,000 financed at 3.99% for 25 months. |
Sources (1)
- edcu.com/home/rates · captured Oct 16, 2026
New Automobile
Rates are based on credit rating and subject to normal credit approval. ECU membership required. Financing options up to 100% of dealer cost.
| Terms | APR | Conditions |
|---|---|---|
| up to 66 months | 5.24% | Annual Percentage Rate is as low as. |
| 67–75 months | 5.49% | Exceeding $18,000. Annual Percentage Rate is as low as. |
| up to 84 months | 6.94% | Over $25,000. Annual Percentage Rate is as low as. |
Used Automobile 2016 to 2019
Rates are based on credit rating and subject to normal credit approval. ECU membership required. Financing options up to NADA wholesale values.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 7.44% | Annual Percentage Rate is as low as. |
Used Automobile 2020-2026
Rates are based on credit rating and subject to normal credit approval. ECU membership required. Financing options up to NADA wholesale values.
| Terms | APR | Conditions |
|---|---|---|
| up to 66 months | 5.24% | Annual Percentage Rate is as low as. |
| 67–75 months | 5.49% | Less than 75K miles. Annual Percentage Rate is as low as. |
| up to 84 months | 6.94% | Over $25,000, less than 40K miles, non-current year. Annual Percentage Rate is as low as. |
Who can join Educators 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, work, worship, or attend school in McLennan, Bell, Bosque, Hill, Falls, Coryell, Hamilton, Lampasas, or Limestone County.
Family and household
- Membership is open to individuals who have an immediate family member currently a member of Educators Credit Union.
Membership information collected October 5, 2026.