Credit union · NCUA insured
Gulf Credit Union Auto Loan Rates
Gulf Credit Union auto loans start at 4.25% APR for a new vehicle and 4.25% for a used one. Rates checked October 16, 2026.
How Gulf Credit Union’s auto loan rates compare
Compared with banks and credit unions near Beaumont, TX, where Gulf Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Gulf Credit Union
4.25%APR
- Terms
- up to 60 months
New & Used Autos
Lowest rate
CommonCents CU
3.50%APR
- Terms
- —
3rd-lowest rate
Neches Federal Credit Union
4.25%APR
- Terms
- up to 60 months
Gulf Credit Union auto loan score
92
Auto loan score
Higher than 93% of U.S. banks and credit unions
- New vehicleNew4.25%
- Used vehicleUsed4.25%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Gulf 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 & Used Autos
Rates are subject to change at any time. Terms of up to 84 months available on qualifying autos. Simple interest charged daily on principal balance.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.00% | Rate is 'As low as'. |
| up to 48 months | 4.25% | Rate is 'As low as'. |
| up to 60 months | 4.25% | Rate is 'As low as'. |
| up to 72 months | 4.75% | Rate is 'As low as'. |
| up to 84 months | 5.25% | Rate is 'As low as'. |
Who can join Gulf 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This may be incomplete or out of date, so check with the credit union before you apply.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, worship, work, or attend school in Jefferson, Hardin, Orange, Chambers, Polk, Jasper, Liberty, Newton, or Tyler counties, or Bolivar Peninsula are eligible for membership.
- Businesses and other legal entities located in Jefferson, Hardin, Orange, Chambers, Polk, Jasper, Liberty, Newton, or Tyler counties, or Bolivar Peninsula are eligible for membership.
Employers and groups
- Persons who are members of the Cornerstone Credit Union Foundation are eligible for membership.
Membership information collected October 5, 2026.