Credit union · NCUA insured
IBEW Local 66 Federal Credit Union Auto Loan Rates
IBEW Local 66 Federal Credit Union auto loans start at 4.95% APR for a new vehicle and 4.95% for a used one. Rates checked October 16, 2026.
How IBEW Local 66 Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Houston, TX, where IBEW Local 66 Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
IBEW Local 66 Federal Credit Union
4.95%APR
- Terms
- 37–60 months
- Up to
- —
- Discount
- None included
New Automobile 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
IBEW Local 66 Federal Credit Union auto loan score
86
Auto loan score
Higher than 72% of U.S. banks and credit unions
- New vehicleNew4.95%
- Used vehicleUsed4.95%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where IBEW Local 66 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.
Classic Car Loan
Fixed interest rate. Up to 1.50% length of membership incentive discount available. Loan floor of 1.45%.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.95% | Credit Grade A+ |
| 37–60 months | 5.95% | Credit Grade A+ |
| 61–72 months | 6.95% | Credit Grade A+ |
| 73–84 months | 7.95% | Credit Grade A+ |
| up to 36 months | 5.95% | Credit Grade A |
| 37–60 months | 6.95% | Credit Grade A |
| 61–72 months | 7.95% | Credit Grade A |
| 73–84 months | 8.95% | Credit Grade A |
| up to 36 months | 6.95% | Credit Grade B |
| 37–60 months | 7.95% | Credit Grade B |
| 61–72 months | 8.95% | Credit Grade B |
| 73–84 months | 9.95% | Credit Grade B |
| up to 36 months | 8.95% | Credit Grade C |
| 37–60 months | 9.95% | Credit Grade C |
| 61–72 months | 10.95% | Credit Grade C |
| 73–84 months | 11.95% | Credit Grade C |
New Automobile Loan
Rates as published are APRs and subject to change without notice. Accounts subject to membership eligibility, credit qualification, and income verification. Fixed interest rate. Financing up to 100% (or up to 110% depending on credit grade). Up to 1.50% length of membership incentive discount available. Loan floor of 1.45%.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 2.95% | As low as rate for 0-36 months. Credit Grade A+ (800+) rate is 2.95% APR. |
| 37–60 months | 3.95% | As low as rate for 37-60 months. Credit Grade A+ (800+) rate is 3.95% APR; Grade A (720-799) 0-36 months rate is 3.95% APR. |
| 61–72 months | 4.95% | As low as rate for 61-72 months. Credit Grade A+ (800+) rate is 4.95% APR. |
| 73–84 months | 5.95% | As low as rate for 73-84 months (new autos only). Credit Grade A+ (800+) rate is 5.95% APR. |
| 37–60 months | 4.95% | Credit Grade A (720-799) |
| 61–72 months | 5.95% | Credit Grade A (720-799) |
| 73–84 months | 6.95% | Credit Grade A (720-799), New autos only |
| up to 36 months | 4.95% | Credit Grade B (680-719) |
| 37–60 months | 5.95% | Credit Grade B (680-719) |
| 61–72 months | 6.95% | Credit Grade B (680-719) |
| 73–84 months | 7.95% | Credit Grade B (680-719), New autos only |
| up to 36 months | 6.95% | Credit Grade C (640 -679) |
| 37–60 months | 7.95% | Credit Grade C (640 -679) |
| 61–72 months | 8.95% | Credit Grade C (640 -679) |
| 73–84 months | 9.95% | Credit Grade C (640 -679), New autos only |
| up to 36 months | 9.95% | Credit Grade D (600 – 639) |
| 37–60 months | 10.95% | Credit Grade D (600 – 639) |
| 61–72 months | 11.95% | Credit Grade D (600 – 639) |
| 73–84 months | 12.95% | Credit Grade D (600 – 639), New autos only |
| up to 36 months | 11.95% | Credit Grade E (560-599) |
| 37–60 months | 12.95% | Credit Grade E (560-599) |
| 61–72 months | 13.95% | Credit Grade E (560-599) |
| 73–84 months | 14.95% | Credit Grade E (560-599), New autos only |
| up to 36 months | 13.95% | Credit Grade Sub < 559 |
| 37–60 months | 14.95% | Credit Grade Sub < 559 |
| 61–72 months | 15.95% | Credit Grade Sub < 559 |
| 73–84 months | 16.95% | Credit Grade Sub < 559, New autos only |
Pre-Owned (Used) Automobile Loan
Rates as published are APRs and subject to change without notice. Accounts subject to membership eligibility, credit qualification, and income verification. Fixed interest rate. Up to 1.50% length of membership incentive discount available. Loan floor of 1.45%.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 2.95% | As low as rate for 0-36 months. Credit Grade A+ (800+) rate is 2.95% APR via shared rate schedule. |
| 37–60 months | 3.95% | As low as rate for 37-60 months. Credit Grade A+ (800+) rate is 3.95% APR via shared rate schedule. |
| 61–72 months | 4.95% | As low as rate for 61-72 months. Credit Grade A+ (800+) rate is 4.95% APR via shared rate schedule. |
| up to 36 months | 3.95% | Credit Grade A (720-799) |
| 37–60 months | 4.95% | Credit Grade A (720-799) |
| 61–72 months | 5.95% | Credit Grade A (720-799) |
| up to 36 months | 4.95% | Credit Grade B (680-719) |
| 37–60 months | 5.95% | Credit Grade B (680-719) |
| 61–72 months | 6.95% | Credit Grade B (680-719) |
| up to 36 months | 6.95% | Credit Grade C (640 -679) |
| 37–60 months | 7.95% | Credit Grade C (640 -679) |
| 61–72 months | 8.95% | Credit Grade C (640 -679) |
| up to 36 months | 9.95% | Credit Grade D (600 – 639) |
| 37–60 months | 10.95% | Credit Grade D (600 – 639) |
| 61–72 months | 11.95% | Credit Grade D (600 – 639) |
| up to 36 months | 11.95% | Credit Grade E (560-599) |
| 37–60 months | 12.95% | Credit Grade E (560-599) |
| 61–72 months | 13.95% | Credit Grade E (560-599) |
| up to 36 months | 13.95% | Credit Grade Sub < 559 |
| 37–60 months | 14.95% | Credit Grade Sub < 559 |
| 61–72 months | 15.95% | Credit Grade Sub < 559 |
Who can join IBEW Local 66 Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Apprentices of I.B.E.W. Local 66 are eligible for membership.
- Employees of I.B.E.W. Local 66 are eligible for membership.
- Employees and Members of I.B.E.W. Local 527 are eligible for membership.
- Employees and members of other local unions of the International Brotherhood of Electrical Workers (I.B.E.W.) who are hired through Local Union 66 and work in the jurisdiction of Local 66 are eligible for membership.
- Regular Members of I.B.E.W. Local 66 are eligible for membership.
Family and household
- Members of the immediate family or household are eligible for membership.
4 more ways to join
Family and household
- Spouses of members who died while within the field of membership of this credit union are eligible for membership.
Other ways
- Corporate or other legal entities in this charter are eligible for membership.
- Organizations of qualifying persons are eligible for membership.
- Persons retired as pensioners or annuitants from qualifying employment within the field of membership are eligible for membership.
Membership information collected October 5, 2026.