Credit union · NCUA insured
Highway District 21 Federal Credit Union Auto Loan Rates
Highway District 21 Federal Credit Union auto loans start at 4.99% APR for a new vehicle and 4.99% for a used one. Rates checked October 16, 2026.
How Highway District 21 Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near McAllen, TX, where Highway District 21 Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Highway District 21 Federal Credit Union
4.99%APR
- Terms
- up to 60 months
- Up to
- —
Vehicle Loans
Lowest rate
NAFT Federal Credit Union
3.49%APR
- Terms
- up to 84 months
- Up to
- —
3rd-lowest rate
Rally Credit Union
5.24%APR
- Terms
- up to 84 months
- Up to
- 18.00% APR
Highway District 21 Federal Credit Union auto loan score
83
Auto loan score
Higher than 62% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed4.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Highway District 21 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.
Vehicle Loans
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 2.50% | Model years: 2026, 2025, 2024 |
| up to 48 months | 2.99% | New, Used, or Program Vehicles; Model years: 2026, 2025, 2024 |
| up to 60 months | 4.99% | New, Used, or Program Vehicles; Model years: 2026, 2025, 2024 |
| up to 72 months | 5.99% | New, Used, or Program Vehicles; Model years: 2026, 2025, 2024; MSRP or NADA book value of $20,000.00 or higher |
| up to 60 months | 5.99% | Model year 2023; MSRP or NADA book value of $20,000.00 or higher |
| up to 48 months | 6.99% | Model year 2022; MSRP or NADA book value of $20,000.00 or higher |
| up to 42 months | 6.99% | Model year 2021; MSRP or NADA book value of $20,000.00 or higher |
| up to 36 months | 6.99% | Model year 2020; MSRP or NADA book value of $20,000.00 or higher |
| up to 30 months | 6.99% | Model year 2019; MSRP or NADA book value of $20,000.00 or higher |
Sources (1)
- highwaydistrict21fcu.com/loans.html · captured Oct 7, 2026
Who can join Highway District 21 Federal Credit Union
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