Credit union · NCUA insured
Houston Highway Credit Union Auto Loan Rates
Houston Highway Credit Union auto loans start at 3.99% APR for a new vehicle. Rates checked October 16, 2026.
How Houston Highway Credit Union’s auto loan rates compare
Compared with banks and credit unions near Houston, TX, where Houston Highway Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Houston Highway Credit Union
3.99%APR
- Terms
- 24–72 months
- Up to
- 18.00% APR
- Discount
- Included in the rate
New Vehicle Loan
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
Houston Highway Credit Union auto loan score
86
Auto loan score
Higher than 72% of U.S. banks and credit unions
- New vehicleNew3.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Houston Highway 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.
Motorcycles
Membership with Houston Highway Credit Union required ($5 share deposit). Financing for motorcycles. Rate includes Service & Loyalty discount of up to 0.50% APR.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 3.99%–18.00% | Rate includes Service & Loyalty discounts of up to 0.50% APR. Actual rate and terms depend on creditworthiness, LTV, and loan term. Terms up to 72+ months. |
Sources (2)
All captured Oct 6, 2026
New Vehicle Loan
Membership with Houston Highway Credit Union required ($5 share deposit). Rate includes Service & Loyalty discount of up to 0.50% APR. Financing available up to 100% of purchase price with terms up to 72 months.
| Terms | APR | Conditions |
|---|---|---|
| 24–72 months | 3.99%–18.00% | Rate includes Service & Loyalty discounts of up to 0.50% APR. Actual rate and terms depend on creditworthiness, LTV, and loan term. Terms 24 to 72+ months. |
Sources (3)
- houstonhighwaycu.com/auto-loans
- houstonhighwaycu.com/view-rates
- houstonhighwaycu.com/auto-loans/new-used-vehicle-loans
All captured Oct 6, 2026
Refinanced Vehicle
Membership with Houston Highway Credit Union required ($5 share deposit). Refinance vehicles currently financed with another lender. No prepayment penalties. Rate includes Service & Loyalty discount of up to 0.50% APR.
| Terms | APR | Conditions |
|---|---|---|
| 24–72 months | 3.99%–18.00% | Rate includes Service & Loyalty discounts of up to 0.50% APR. Actual rate and terms depend on creditworthiness, LTV, and loan term. Terms 24 to 72+ months. |
Sources (3)
- houstonhighwaycu.com/auto-loans
- houstonhighwaycu.com/auto-loans/auto-refinance-loans
- houstonhighwaycu.com/view-rates
All captured Oct 6, 2026
Used Vehicle Loan
Membership with Houston Highway Credit Union required ($5 share deposit). Rate includes Service & Loyalty discount of up to 0.50% APR. Terms based on vehicle age; dealer and private-party purchases welcome.
| Terms | APR | Conditions |
|---|---|---|
| 24–72 months | 3.99%–18.00% | Rate includes Service & Loyalty discounts of up to 0.50% APR. Actual rate and terms depend on creditworthiness, LTV, and loan term. Terms 24 to 72+ months. |
Sources (3)
- houstonhighwaycu.com/auto-loans
- houstonhighwaycu.com/view-rates
- houstonhighwaycu.com/auto-loans/new-used-vehicle-loans
All captured Oct 6, 2026
Who can join Houston Highway Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, or worships within a 10-mile radius of the credit union's location.
Membership information collected October 5, 2026.