Credit union · NCUA insured
Irving City Employees Federal Credit Union Auto Loan Rates
Irving City Employees Federal Credit Union auto loans start at 4.75% APR for a new vehicle and 4.75% for a used one. Rates checked October 16, 2026.
How Irving City Employees Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Dallas, TX, where Irving City Employees Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Irving City Employees Federal Credit Union
4.75%APR
- Terms
- —
Auto Loans
Lowest rate
PenFed Credit Union
3.84%APR
- Terms
- up to 60 months
2nd-lowest rate
Southwest Airlines Federal Credit Union
3.94%APR
- Terms
- —
Irving City Employees Federal Credit Union auto loan score
87
Auto loan score
Higher than 76% of U.S. banks and credit unions
- New vehicleNew4.75%
- Used vehicleUsed4.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Irving City Employees 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.
Auto Loans
All ICEFCU loans use the simple interest calculation method with no prepayment penalties. Auto Check preapproval program is valid for 60 days on Texas purchases financing up to 110% of MSRP or retail price. Refinancing available from other lenders.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.75% | New and Used Auto Loan Rates As Low As 4.75% APR. |
Sources (3)
All captured Oct 6, 2026
Motorcycle Loans
Motorcycle loans for new and pre-owned/used motorcycles.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.75% | New and Used Motorcycle Loan Rates As Low As 4.75% APR. |
Sources (1)
- icefcu.com/all-rates · captured Oct 6, 2026
Who can join Irving City Employees Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of the credit union are eligible for membership.
Military, government and schools
- Employees of the Irving City Council are eligible for membership.
- Employees of the City of Irving, Texas are eligible for membership.
- Employees of the Irving Independent School District (IISD) are eligible for membership.
- Employees of the Irving Police Department are eligible for membership.
- Persons retired as pensioners or annuitants from qualifying employment are eligible for membership.
3 more ways to join
Military, government and schools
- Employees of the Irving Convention and Tourist Bureau are eligible for membership.
Family and household
- Immediate family members of eligible employees or retirees are eligible for membership.
Other ways
- Organizations of eligible persons are eligible for membership.
Membership information collected October 5, 2026.