Credit union · NCUA insured
Harris County Federal Credit Union Auto Loan Rates
Top CarrotHarris County Federal Credit Union auto loans start at 4.24% APR for a new vehicle and 4.24% for a used one. Rates checked October 16, 2026.
How Harris County Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Houston, TX, where Harris County Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Harris County Federal Credit Union
4.24%APR
- Terms
- —
- Up to
- —
- Discount
- None included
New & Used Auto Loans
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
Harris County Federal Credit Union auto loan score
93
Auto loan score
Higher than 94% of U.S. banks and credit unions
- New vehicleNew4.24%
- Used vehicleUsed4.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Harris County 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.
New & Used Auto Loans
Financing up to 100% of JD Power/MSRP value. Rate discounts up to 0.30% available on standard rates (0.15% for Credit Life, 0.15% for Credit Disability payment protection; 0.15% for share draft account with direct deposit and e-statements; 0.15% for credit cardholders) based on credit score 680+, shorter loan terms, down payments, and relationships. October Auto Loan Special features up to 0.75% rate discount and no payments for 90 days.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.24% | October Auto Loan Special valid October 1-31, 2026. Finance a new or used vehicle or refinance an eligible auto loan; enjoy no payments for 90 days (interest accrues during 90-day period). May qualify for up to 0.75% off rate through HCFCU relationship discount. Rates based on credit history, loan term, collateral, and down payment. |
Who can join Harris County 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This may be incomplete or out of date, so check with the credit union before you apply.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
- Anyone who lives, works, attends school, or worships in zip codes 77002, 77003, 77004, 77006, 77011, 77020, 77023, or 77026 is eligible to join.
Military, government and schools
- All current and retired employees of Harris County are eligible to join.
Family and household
- Immediate family members of current HCFCU members are eligible to join.
Cost to join
- It takes $5 to open an account.
Membership information collected October 5, 2026.