Credit union · NCUA insured
Germania Credit Union Auto Loan Rates
Germania Credit Union auto loans start at 4.49% APR for a new vehicle and 5.49% for a used one. Rates checked October 16, 2026.
How Germania Credit Union’s auto loan rates compare
Compared with banks and credit unions near Brenham, TX, where Germania Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Germania Credit Union
4.49%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- Included in the rate
New Vehicle
2nd-lowest rate
BRAZOS VALLEY SCHOOLS CREDIT UNION
5.24%APR
- Terms
- up to 60 months
- Up to
- 17.24% APR
- Discount
- None included
3rd-lowest rate
PNC
5.34%APR
- Terms
- —
- Up to
- 20.69% APR
- Discount
- Included in the rate
Germania Credit Union auto loan score
82
Auto loan score
Higher than 61% of U.S. banks and credit unions
- New vehicleNew4.49%
- Used vehicleUsed5.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Germania 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.
New Vehicle
New Vehicle terms and rates extended to vehicles 3 years old and newer. Financing up to 125% of MSRP with approved credit. Rate reflects all available discounts (max discount 1.00%, floor rate 4.49%). Rates based on credit-worthiness, collateral, discounts, and term selected.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.49% | Up to 125% of MSRP with approved credit. Reflects all available discounts. |
| up to 72 months | 4.99% | Up to 125% of MSRP with approved credit. Reflects all available discounts. |
| up to 84 months | 5.49% | Up to 125% of MSRP with approved credit. Reflects all available discounts. |
Sources (2)
All captured Oct 16, 2026
Used Vehicle
Used Vehicle terms and rates extended to vehicles 10 years old and newer. Financing up to 125% of NADA Retail Value available upon approved credit. Rate reflects all available discounts (max discount 1.00%, floor rate 4.49%). Rates based on credit-worthiness, collateral, discounts, and term selected.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.99% | 125% NADA Retail Value with approved credit. Reflects all available discounts. |
| up to 60 months | 5.49% | 125% NADA Retail Value with approved credit. Reflects all available discounts. |
| up to 72 months | 5.99% | 125% NADA Retail Value with approved credit. Reflects all available discounts. |
Sources (2)
All captured Oct 16, 2026
Who can join Germania Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, work, worship, or attend school in, as well as businesses and other legal entities located within, a 10-mile radius of the Germania Credit Union office at 507 Hwy 290 East, Brenham, TX 77833 are eligible for membership.
Employers and groups
- Agents and members of the Germania Farm Mutual Insurance association are eligible for membership.
- Employees of Germania Insurance or its subsidiaries are eligible for membership.
- Current policy holders of any Germania Insurance association company are eligible for membership.
- Employees of select employer groups (SEGs) including Washington County Tractor, Brenham Banner Press, TFE Company Incorporated, MIC Group, and Tarlton Supply Company are eligible for membership.
Family and household
- Spouses of persons within the field of membership and relatives of a credit union member (including spouses, children, brothers, sisters, parents, grandparents, grandchildren, nieces, nephews, aunts, uncles, father-in-laws, mother-in-laws, and cousins) are eligible for membership.
Membership information collected October 5, 2026.