Credit union · NCUA insured
evolve Federal Credit Union Auto Loan Rates
Top Carrotevolve Federal Credit Union auto loans start at 4.74% APR for a new vehicle and 4.74% for a used one. Rates checked October 16, 2026.
How evolve Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near El Paso, TX, where evolve Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
evolve Federal Credit Union
4.74%APR
- Terms
- 48–72 months
- Up to
- —
- Discount
- None included
Vehicle Financing
Lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
- Up to
- —
- Discount
- None included
3rd-lowest rate
FirstLight Federal Credit Union
4.75%APR
- Terms
- 48–84 months
- Up to
- 17.99% APR
- Discount
- Included in the rate
evolve Federal Credit Union auto loan score
87
Auto loan score
Higher than 80% of U.S. banks and credit unions
- New vehicleNew4.74%
- Used vehicleUsed4.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where evolve 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.
Auto Loan Refinance
Lower current auto loan rate by 2% with a program floor rate of 4.74%. No monthly payment due for 90 days from closing (interest continues to accrue). Current vehicle contract showing purchase date and rate must be provided; vehicle must have been refinanced or purchased in 2023, 2024, or 2025. Current evolve FCU loans and indirect dealer loans do not qualify.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.74% | Floor rate of 4.74% APR for 2% rate reduction promo; no payment for 90 days from closing. |
Sources (1)
- evolvefcu.org/accounts/save-money · captured Oct 7, 2026
Vehicle Financing
Direct loans only (applied in-person, phone, or website). Indirect loans closed at dealer do not qualify. No payment for 90 days from closing (interest accrues). Existing members under Plus, Platinum, or Diamond Elite Membership Plans qualify for a discount. Finances autos 7 years old and newer.
| Terms | APR | Conditions |
|---|---|---|
| 48–72 months | 4.74% | Rates as low as 4.74% APR; terms from 48-72 months depending on year of vehicle; use promo code LOW24. |
Sources (2)
All captured Oct 7, 2026
Who can join evolve Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Anyone who works in the Healthcare industry, regardless of job title or job function, is eligible to qualify for a Healthcare membership plan with established direct deposit.
Family and household
- Joint members who do not work in the Healthcare industry can be added to an account, provided the person who qualifies for the healthcare plan is the primary account holder.
Cost to join
- Establishing membership requires opening a savings account with a minimum deposit of $15.
Membership information collected October 5, 2026.