Credit union · NCUA insured
Estacado Federal Credit Union Auto Loan Rates
Estacado Federal Credit Union auto loans start at 4.99% APR for a new vehicle and 4.99% for a used one. Rates checked October 22, 2026.
How Estacado Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Hobbs, NM, where Estacado Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Estacado Federal Credit Union
4.99%APR
- Terms
- 37–64 months
- Up to
- 16.99% APR
Vehicle Rates (2025 or Newer)
Estacado Federal Credit Union auto loan score
83
Auto loan score
Higher than 62% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed4.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Estacado 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.
Vehicle Rates (2015 or Older)
Loan to Value Max (MSRP/NADA Retail): Tier A+ (750+) 115%, Tier A (700-749) 115%, Tier B (660-699) 110%, Tier C (600-659) 105%, Tier D (550-599) 90%, Tier E (549 & Below) 85%. Debt Ratio Maximum: Tier A+ 48%, Tier A 48%, Tier B 48%, Tier C 45%, Tier D 40%, Tier E 40%. Loan rates and terms are based on Equifax credit score.
| Terms | APR | Conditions |
|---|---|---|
| 1–60 months | 7.99%–17.99% | Tier A+ (Equifax 750+): 7.99% APR; Tier A (Equifax 700-749): 8.99% APR; Tier B (Equifax 660-699): 10.49% APR; Tier C (Equifax 600-659): 13.99% APR; Tier D (Equifax 550-599): 17.99% APR; Tier E: N/A |
Vehicle Rates (2016-2024)
Loan to Value Max (MSRP/NADA Retail): Tier A+ (750+) 115%, Tier A (700-749) 115%, Tier B (660-699) 110%, Tier C (600-659) 105%, Tier D (550-599) 90%, Tier E (549 & Below) 85%. Debt Ratio Maximum: Tier A+ 48%, Tier A 48%, Tier B 48%, Tier C 45%, Tier D 40%, Tier E 40%. Loan rates and terms are based on Equifax credit score.
| Terms | APR | Conditions |
|---|---|---|
| 1–36 months | 5.49%–17.49% | Tier A+ (Equifax 750+): 5.49% APR; Tier A (Equifax 700-749): 6.49% APR; Tier B (Equifax 660-699): 7.99% APR; Tier C (Equifax 600-659): 11.49% APR; Tier D (Equifax 550-599): 15.49% APR; Tier E (Equifax 549 & Below): 17.49% APR |
| 37–64 months | 5.99%–17.99% | $10,000 Minimum. Tier A+ (Equifax 750+): 5.99% APR; Tier A (Equifax 700-749): 6.99% APR; Tier B (Equifax 660-699): 8.49% APR; Tier C (Equifax 600-659): 11.99% APR; Tier D (Equifax 550-599): 15.99% APR; Tier E (Equifax 549 & Below): 17.99% APR |
| 65–76 months | 6.25%–16.25% | $20,000 Minimum. Tier A+ (Equifax 750+): 6.25% APR; Tier A (Equifax 700-749): 7.25% APR; Tier B (Equifax 660-699): 8.75% APR; Tier C (Equifax 600-659): 12.25% APR; Tier D (Equifax 550-599): 16.25% APR; Tier E: N/A |
| 77–88 months | 6.49%–12.49% | $50,000 Minimum. Tier A+ (Equifax 750+): 6.49% APR; Tier A (Equifax 700-749): 7.49% APR; Tier B (Equifax 660-699): 8.99% APR; Tier C (Equifax 600-659): 12.49% APR; Tier D: N/A; Tier E: N/A |
Vehicle Rates (2025 or Newer)
Loan to Value Max (MSRP/NADA Retail): Tier A+ (750+) 115%, Tier A (700-749) 115%, Tier B (660-699) 110%, Tier C (600-659) 105%, Tier D (550-599) 90%, Tier E (549 & Below) 85%. Debt Ratio Maximum: Tier A+ 48%, Tier A 48%, Tier B 48%, Tier C 45%, Tier D 40%, Tier E 40%. Loan rates and terms are based on Equifax credit score.
| Terms | APR | Conditions |
|---|---|---|
| 1–36 months | 4.49%–16.49% | Tier A+ (Equifax 750+): 4.49% APR; Tier A (Equifax 700-749): 5.49% APR; Tier B (Equifax 660-699): 6.99% APR; Tier C (Equifax 600-659): 10.49% APR; Tier D (Equifax 550-599): 14.49% APR; Tier E (Equifax 549 & Below): 16.49% APR |
| 37–64 months | 4.99%–16.99% | $10,000 Minimum. Tier A+ (Equifax 750+): 4.99% APR; Tier A (Equifax 700-749): 5.99% APR; Tier B (Equifax 660-699): 7.49% APR; Tier C (Equifax 600-659): 10.99% APR; Tier D (Equifax 550-599): 14.49% APR; Tier E (Equifax 549 & Below): 16.99% APR |
| 65–76 months | 5.25%–15.25% | $20,000 Minimum. Tier A+ (Equifax 750+): 5.25% APR; Tier A (Equifax 700-749): 6.25% APR; Tier B (Equifax 660-699): 7.75% APR; Tier C (Equifax 600-659): 11.25% APR; Tier D (Equifax 550-599): 15.25% APR; Tier E: N/A |
| 77–88 months | 5.49%–11.49% | $50,000 Minimum. Tier A+ (Equifax 750+): 5.49% APR; Tier A (Equifax 700-749): 6.49% APR; Tier B (Equifax 660-699): 7.99% APR; Tier C (Equifax 600-659): 11.49% APR; Tier D: N/A; Tier E: N/A |
Who can join Estacado 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 Cochran County, Texas are eligible for membership.
- Individuals who live, work, worship, or attend school in Gaines County, Texas are eligible for membership.
- Individuals who live, work, worship, or attend school in Lea County, New Mexico are eligible for membership.
- Individuals who live, work, worship, or attend school in Yoakum County, Texas are eligible for membership.
Military, government and schools
- In person or online students of New Mexico Junior College or University of the Southwest in Lea County are eligible for membership.
Family and household
- Individuals who have a family member who already belongs to Estacado Federal Credit Union are eligible for membership.
1 more way to join
Family and household
- Individuals who live in a household of an existing member are eligible for membership.
Cost to join
- A $1 one-time membership fee applies.
- A minimum $25 savings deposit is required to open an account.
Membership information collected October 4, 2026.