Credit union · NCUA insured
GENCO Federal Credit Union Auto Loan Rates
Top CarrotGENCO Federal Credit Union auto loans start at 4.94% APR for a new vehicle and 4.94% for a used one. Rates checked October 16, 2026.
How GENCO Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Waco, TX, where GENCO Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
GENCO Federal Credit Union
4.94%APR
- Terms
- up to 66 months
- Discount
- None included
Vehicle Loans (New & Used) All Models
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
GENCO Federal Credit Union auto loan score
86
Auto loan score
Higher than 72% of U.S. banks and credit unions
- New vehicleNew4.94%
- Used vehicleUsed4.94%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where GENCO 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 Promotional Special
Refinance your current auto loan from another lender with GENCO. Minimum loan amount of $5,000 and excludes existing GENCO FCU loans, real estate, motorcycle, recreational vehicle, commercial vehicle, and indirect loans. Offer ends December 4, 2026. Apply online to receive an additional 0.10% discount off approved rate. 90 days with no payment feature available.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.59% | For 48 months term. As low as rate. Refinance from another lender. Online applications receive an additional 0.10% discount. Payment example: $22.86 per $1,000.00 financed at 4.59% APR for 48 months. Offer ends December 4, 2026. |
| up to 60 months | 4.69% | For 60 months term. As low as rate. Refinance from another lender. Online applications receive an additional 0.10% discount. Payment example: $18.74 per $1,000.00 financed at 4.69% APR for 60 months. Offer ends December 4, 2026. |
| up to 72 months | 4.79% | For 72 months term. As low as rate. Refinance from another lender. Online applications receive an additional 0.10% discount. Payment example: $16.02 per $1,000.00 financed at 4.79% APR for 72 months. Offer ends December 4, 2026. |
Sources (1)
- gencofcu.org/accounts/vehicle-loans · captured Oct 6, 2026
Vehicle Loans (New & Used) All Models
For vehicle refinancing, loans must originate from outside GENCO. 100% financing available for new vehicles up to 72 months. Rate is based on a credit score of 730+.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.84% | As low as rates based on a credit score of 730+. Payment example: $22.98 per $1,000.00 financed at 4.84% APR for 48 months. |
| up to 66 months | 4.94% | Approximately 66 months term. As low as rates based on a credit score of 730+. Payment example: $18.86 per $1,000.00 financed at 4.94% APR for 66 months. |
| up to 72 months | 4.99% | Approximately 72 months term. As low as rates based on a credit score of 730+. Payment example: $16.10 per $1,000.00 financed at 4.99% APR for 72 months. |
Sources (1)
- gencofcu.org/accounts/vehicle-loans · captured Sep 17, 2026
Who can join GENCO 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, or worship in McLennan or Angelina counties are eligible for membership.
Family and household
- Certain family members of GENCO members (spouses, children, parents, brothers and sisters, stepchildren and stepparents, grandchildren, and grandparents) are eligible to join.
Cost to join
- Membership requires opening a savings account with a minimum balance of $5.
Membership information collected October 5, 2026.