Credit union · NCUA insured
First Basin Credit Union Auto Loan Rates
First Basin Credit Union auto loans start at 4.90% APR for a new vehicle and 4.90% for a used one. Rates checked October 16, 2026.
How First Basin Credit Union’s auto loan rates compare
Compared with banks and credit unions near Odessa, TX, where First Basin Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
First Basin Credit Union
4.90%APR
- Terms
- —
- Up to
- 18.00% APR
Autos
Lowest rate
Complex Community Federal Credit Union
4.70%APR
- Terms
- —
- Up to
- —
2nd-lowest rate
West Texas CU
4.74%APR
- Terms
- up to 72 months
- Up to
- —
First Basin Credit Union auto loan score
86
Auto loan score
Higher than 73% of U.S. banks and credit unions
- New vehicleNew4.90%
- Used vehicleUsed4.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where First Basin 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 ($365/365 Offer)
Must refinance vehicle from another financial institution; excludes existing loans financed with FBCU. Minimum balance of $15,000 required for $365 cash bonus. Option of no payment for 90 days.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.99% | Lowest offered rate of 3.99% APR is typically for a 36-month term. Vehicle must be refinanced from another financial institution with a minimum balance of $15,000 for the promotion. |
Sources (1)
- firstbasin.com/any-vehicle-anytime-365 · captured Oct 7, 2026
Motorcycles
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 7.90%–15.90% | — |
Sources (1)
- firstbasin.com/loan-rates · captured Oct 7, 2026
Who can join First Basin 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This may be incomplete or out of date, so check with the credit union before you apply.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 go to school in any of 17 specified West Texas counties are eligible for membership.
Cost to join
- A refundable deposit of $25 into a savings account is required for membership.
Membership information collected October 5, 2026.