Credit union · NCUA insured
Gulf Coast Educators Federal Credit Union Auto Loan Rates
Top CarrotGulf Coast Educators Federal Credit Union auto loans start at 4.49% APR for a new vehicle and 4.49% for a used one. Rates checked October 16, 2026.
How Gulf Coast Educators Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Houston, TX, where Gulf Coast Educators Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Gulf Coast Educators Federal Credit Union
4.49%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- Included in the rate
Auto Loan
Lowest rate
Lubrizol Employees' Credit Union
3.24%APR
- Terms
- 24–60 months
- Up to
- 14.49% APR
- Discount
- Included in the rate
2nd-lowest rate
CommonCents CU
3.50%APR
- Terms
- —
- Up to
- —
- Discount
- None included
Gulf Coast Educators Federal Credit Union auto loan score
87
Auto loan score
Higher than 80% of U.S. banks and credit unions
- New vehicleNew4.49%
- Used vehicleUsed4.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Gulf Coast Educators 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
Membership required. Maximum discount is 0.75% for auto loans (0.25% for Credit Life/Disability Insurance, 0.25% for Gulf Coast Educators Insurance Services LLC, and 0.25% for Direct Deposit of $500+ per month into GCEFCU checking). Actual APR may vary based on credit history, vehicle condition (new or used), model year, loan term, and amount. Loan deferment (No Payments for 90 Days) and payment skip options available (deferment not available on loans already financed with GCEFCU).
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.99% | Starting APR (not including discounts). Rate based on creditworthiness, term, vehicle condition, model year, and loan amount. Auto loans may qualify for a rate as low as 3.74% APR with a term of 3 years or less and maximum discount applied. Payment example per $1,000 borrowed: $29.52 (p1) / $29.74 (p21). |
| up to 48 months | 4.24% | Starting APR (not including discounts). Rate based on creditworthiness, term, vehicle condition, model year, and loan amount. Maximum loan discount 0.75%. Payment example per $1,000 borrowed: $22.69 (p1) / $22.91 (p21). |
| up to 60 months | 4.49% | Starting APR (not including discounts). Rate based on creditworthiness, term, vehicle condition, model year, and loan amount. Maximum loan discount 0.75%. Payment example per $1,000 borrowed: $18.64 (p1) / $18.87 (p21). |
| up to 72 months | 4.99% | Starting APR (not including discounts). Minimum loan amount $15,000. Rate based on creditworthiness, term, vehicle condition, model year, and loan amount. Maximum loan discount 0.75%. Payment example per $1,000 borrowed: $16.10 (p1) / $16.33 (p21). |
| up to 84 months | 5.49% | Starting APR (not including discounts). Minimum loan amount $25,000. Rate based on creditworthiness, term, vehicle condition, model year, and loan amount. Maximum loan discount 0.75%. Payment example per $1,000 borrowed: $14.37 (p1) / $14.60 (p21). |
Motorcycle Loan
Starting APR not including discounts. Actual rates may vary based upon credit qualifications. Maximum loan discount is 0.75%.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 7.49% | Starting APR (not including discounts). Payment example per $1,000 borrowed: $20.02. Maximum loan discount 0.75%. |
Sources (1)
- gcefcu.org/rates · captured Oct 6, 2026
Title Loan
Starting APR not including discounts. Actual APR may differ based upon credit history, model year, term, and loan amount. Maximum discount is 0.75%. Auto loans may receive a rate of 4.49% APR with a 3 year or less term with maximum discount.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.49% | Starting APR (not including discounts). Payment example per $1,000 borrowed: $29.72. Maximum discount is 0.75%. |
| up to 48 months | 4.74% | Starting APR (not including discounts). Payment example per $1,000 borrowed: $22.89. Maximum discount is 0.75%. |
| up to 60 months | 4.99% | Starting APR (not including discounts). Payment example per $1,000 borrowed: $18.85. Maximum discount is 0.75%. |
| up to 72 months | 5.49% | Starting APR (not including discounts). Minimum loan amount $15,000. Payment example per $1,000 borrowed: $16.32. Maximum discount is 0.75%. |
| up to 84 months | 6.24% | Starting APR (not including discounts). Minimum loan amount $25,000. Payment example per $1,000 borrowed: $14.71. Maximum discount is 0.75%. |
Sources (1)
- gcefcu.org/rates · captured Oct 6, 2026
Who can join Gulf Coast Educators Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of Gulf Coast Educators Federal Credit Union are eligible for membership.
Military, government and schools
- Employees who work regularly in the Educational Industry in the state of Texas, or who have retired as pensioners or annuitants from such employment, are eligible for membership.
Family and household
- Immediate families or households falling within the eligibility chart, as well as surviving spouses of persons who died while within the field of membership, are eligible for membership.
Membership information collected October 5, 2026.