Credit union · NCUA insured
HEB Federal Credit Union Auto Loan Rates
HEB Federal Credit Union auto loans start at 5.45% APR for a new vehicle and 5.45% for a used one. Rates checked October 16, 2026.
How HEB Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near San Antonio, TX, where HEB Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
HEB Federal Credit Union
5.45%APR
- Terms
- up to 60 months
New Auto Loan
Lowest rate
PenFed Credit Union
3.84%APR
- Terms
- up to 60 months
2nd-lowest rate
Baptist Credit Union
4.24%APR
- Terms
- —
HEB Federal Credit Union auto loan score
75
Auto loan score
Higher than 39% of U.S. banks and credit unions
- New vehicleNew5.45%
- Used vehicleUsed5.45%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where HEB 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.
Motorcycle Loan
HEBFCU membership is required. All loans subject to credit approval. Rates are locked at loan approval and vary based on creditworthiness, collateral value, amount financed, and other factors.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 7.00% | New Motorcycle (100%). |
| up to 36 months | 7.00% | New Motorcycle (100%). |
| up to 48 months | 7.00% | New Motorcycle (100%). |
| up to 60 months | 7.00% | New Motorcycle (100%). |
| up to 12 months | 7.00% | Used Motorcycle (100% NADA). |
Sources (1)
- hebfcu.org/loans/rates · captured Oct 16, 2026
New Auto Loan
HEBFCU membership is required. All loans subject to credit approval. Rates are locked at loan approval and vary based on creditworthiness, collateral value, amount financed, and other factors. As low as advertised auto loan rates are available for new auto purchases only for model years 1–5.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.25% | As low as advertised rates are for model years 1–5. |
| up to 48 months | 5.35% | As low as advertised rates are for model years 1–5. |
| up to 60 months | 5.45% | As low as advertised rates are for model years 1–5. |
| up to 72 months | 5.55% | Applies to loan amounts of $22,000 & above; as low as advertised rates are for model years 1–5. |
| up to 84 months | 6.25% | Applies to loan amounts of $35,000 & above; as low as advertised rates are for model years 1–5. |
Used Auto Loan
HEBFCU membership is required. All loans subject to credit approval. Rates are locked at loan approval and vary based on creditworthiness, collateral value, amount financed, and other factors.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.25% | Applies to 1 - 5 Year Model. |
| up to 48 months | 5.35% | Applies to 1 - 5 Year Model. |
| up to 60 months | 5.45% | Applies to 1 - 5 Year Model. |
| up to 72 months | 5.55% | Applies to loan amounts of $22,000 & above. |
| up to 84 months | 6.25% | Applies to loan amounts of $35,000 & above. |
Who can join HEB Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.