Credit union · NCUA insured
EECU Auto Loan Rates
Top CarrotEECU auto loans start at 5.64% APR for a new vehicle and 5.64% for a used one. Rates checked October 16, 2026.
How EECU’s auto loan rates compare
Compared with banks and credit unions near Dallas, TX, where EECU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
EECU
5.64%APR
- Terms
- up to 66 months
Auto Loan
Lowest rate
PenFed Credit Union
3.84%APR
- Terms
- up to 60 months
2nd-lowest rate
Southwest Airlines Federal Credit Union
3.94%APR
- Terms
- —
EECU auto loan score
71
Auto loan score
Higher than 29% of U.S. banks and credit unions
- New vehicleNew5.64%
- Used vehicleUsed5.64%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where EECU 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
Listed rates are for purchases only. Financing up to 100% available including tax, title, and license. 90-day delay of first payment with credit approval. Rates subject to change without notice.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.59% | Model Year 2023-2027. Example payment: $604.78 on a $20,000 loan. Listed rates are for purchases only. |
| up to 48 months | 5.59% | Model Year 2023-2027. Example payment: $466.00 on a $20,000 loan. Listed rates are for purchases only. |
| up to 66 months | 5.64% | Model Year 2023-2027. Example payment: $353.21 on a $20,000 loan. Listed rates are for purchases only. |
| up to 75 months | 5.74% | Model Year 2023-2027. Example payment: $318.03 on a $20,000 loan. Listed rates are for purchases only. |
| up to 78 months | 6.04% | Model Year 2023-2027. Example payment: $310.72 on a $20,000 loan. Listed rates are for purchases only. |
| up to 84 months | 6.29% | Model Year 2023-2027. Example payment: $295.01 on a $20,000 loan. Listed rates are for purchases only. |
| up to 48 months | 5.74% | Model Year 2020-2022. Example payment: $467.37 on a $20,000 loan. Listed rates are for purchases only. |
| up to 60 months | 5.79% | Model Year 2020-2022. Example payment: $384.75 on a $20,000 loan. Listed rates are for purchases only. |
| up to 66 months | 5.79% | Model Year 2020-2022. Example payment: $354.61 on a $20,000 loan. Listed rates are for purchases only. |
| up to 75 months | 5.99% | Model Year 2020-2022. Example payment: $320.40 on a $20,000 loan. Listed rates are for purchases only. |
| up to 78 months | 6.49% | Model Year 2020-2022. Example payment: $315.02 on a $20,000 loan. Listed rates are for purchases only. |
| up to 48 months | 6.36% | Model Year 2018-2019. Example payment: $473.06 on a $20,000 loan. Listed rates are for purchases only. |
| up to 60 months | 6.46% | Model Year 2018-2019. Example payment: $391.00 on a $20,000 loan. Listed rates are for purchases only. |
| up to 66 months | 6.46% | Model Year 2018-2019. Example payment: $360.90 on a $20,000 loan. Listed rates are for purchases only. |
| up to 72 months | 6.76% | Model Year 2018-2019. Example payment: $338.73 on a $20,000 loan. Listed rates are for purchases only. |
Sources (1)
- eecu.org/personal-banking/auto/products/auto-loan · captured Oct 16, 2026
Auto Loan Refinance
EECU will beat current auto loan rate by 2%. Floor rate is 5.44% APR and maximum rate is 18.00% APR. Valid for refinancing an auto loan older than 90 days and not originated by EECU (not available for cars already financed with EECU). Subject to credit approval and lending policies. 100% financing available. 90-day delay in first payment available for qualifying members with excellent credit (interest accrues during deferral period). Vehicle titling fees apply. Membership in EECU required.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 5.44%–18.00% | Rate discount of 2% off current loan rate subject to 5.44% APR floor and 18.00% APR maximum. Minimum loan amount is $15,000. Term options up to 72 months. |
Sources (1)
- eecu.org/personal-banking/auto…ucts/auto-loan-refinance · captured Oct 16, 2026
Who can join EECU
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.