Credit union · NCUA insured
Heart O' Texas Federal Credit Union Auto Loan Rates
Heart O' Texas Federal Credit Union auto loans start at 4.55% APR for a new vehicle and 4.55% for a used one. Rates checked October 16, 2026.
How Heart O' Texas Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Waco, TX, where Heart O' Texas Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Heart O' Texas Federal Credit Union
4.55%APR
- Terms
- —
- Up to
- —
- Discount
- None included
New Cars
Lowest rate
Texell Credit Union
4.24%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- Included in the rate
3rd-lowest rate
First State Bank
4.74%APR
- Terms
- 6–84 months
- Up to
- 16.49% APR
- Discount
- None included
Heart O' Texas Federal Credit Union auto loan score
89
Auto loan score
Higher than 85% of U.S. banks and credit unions
- New vehicleNew4.55%
- Used vehicleUsed4.55%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Heart O' Texas 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 Cars
Rate is dependent on credit worthiness. Rates, terms and offers are subject to change without notice. Rate may vary based on the loan amount, term and personal circumstances. Certain loan terms and rates depend upon model year and loan amount. Membership is required before loan is funded.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.55% | Rate is dependent on credit worthiness. Rates, terms and offers are subject to change without notice. Rate may vary based on the loan amount, term and personal circumstances. Certain loan terms and rates depend upon model year and loan amount. Membership is required before loan is funded. |
Sources (1)
- hotfcu.org/rates-2 · captured Oct 7, 2026
New Motorcycle
Rate is dependent on credit worthiness. Rates, terms and offers are subject to change without notice. Rate may vary based on the loan amount, term and personal circumstances. Certain loan terms and rates depend upon model year and loan amount. Membership is required before loan is funded.
| Terms | APR | Conditions |
|---|---|---|
| — | 5.95% | Rate is dependent on credit worthiness. Rates, terms and offers are subject to change without notice. Rate may vary based on the loan amount, term and personal circumstances. Certain loan terms and rates depend upon model year and loan amount. Membership is required before loan is funded. |
Sources (1)
- hotfcu.org/rates-2 · captured Oct 7, 2026
Used Cars
Rate is dependent on credit worthiness. Rates, terms and offers are subject to change without notice. Rate may vary based on the loan amount, term and personal circumstances. Certain loan terms and rates depend upon model year and loan amount. Membership is required before loan is funded.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.55% | Rate is dependent on credit worthiness. Rates, terms and offers are subject to change without notice. Rate may vary based on the loan amount, term and personal circumstances. Certain loan terms and rates depend upon model year and loan amount. Membership is required before loan is funded. |
Sources (1)
- hotfcu.org/rates-2 · captured Oct 7, 2026
Used Motorcycle
Rate is dependent on credit worthiness. Rates, terms and offers are subject to change without notice. Rate may vary based on the loan amount, term and personal circumstances. Certain loan terms and rates depend upon model year and loan amount. Membership is required before loan is funded.
| Terms | APR | Conditions |
|---|---|---|
| — | 6.95% | Rate is dependent on credit worthiness. Rates, terms and offers are subject to change without notice. Rate may vary based on the loan amount, term and personal circumstances. Certain loan terms and rates depend upon model year and loan amount. Membership is required before loan is funded. |
Sources (1)
- hotfcu.org/rates-2 · captured Oct 7, 2026
Who can join Heart O' Texas Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.