Credit union · NCUA insured
KBR Heritage Federal Credit Union Auto Loan Rates
KBR Heritage Federal Credit Union auto loans start at 3.74% for a used one. Rates checked October 16, 2026.
How KBR Heritage Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Houston, TX, where KBR Heritage Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
KBR Heritage Federal Credit Union
– –
- Terms
- —
- Up to
- —
- Discount
- —
No ongoing APR published
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
KBR Heritage Federal Credit Union auto loan score
87
Auto loan score
Higher than 78% of U.S. banks and credit unions
- Used vehicleUsed3.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where KBR Heritage 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 - New
Up to 84-Month terms. Pre-Approval available. All Auto, Motorcycle, Boats, and RV loans require full coverage insurance. Maximum $1000.00 deductible on Comprehensive and Collision. Secured loans financed longer than 48 months shall have a minimum monthly payment of $100.00.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 3.74% | As low as 3.74% APR*. Up to 84 months. Requires full coverage insurance. Maximum $1000.00 deductible on Comprehensive and Collision. |
Auto - Used
Up to 84-Month terms. Pre-Approval available. All Auto, Motorcycle, Boats, and RV loans require full coverage insurance. Maximum $1000.00 deductible on Comprehensive and Collision. Secured loans financed longer than 48 months shall have a minimum monthly payment of $100.00.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 3.74% | As low as 3.74% APR*. Up to 84 months. Requires full coverage insurance. Maximum $1000.00 deductible on Comprehensive and Collision. |
Classic or Specialty - New
All Auto, Motorcycle, Boats, and RV loans require full coverage insurance. Maximum $1000.00 deductible on Comprehensive and Collision. Secured loans financed longer than 48 months shall have a minimum monthly payment of $100.00.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.24% | As low as 4.24% APR*. Requires full coverage insurance. Maximum $1000.00 deductible on Comprehensive and Collision. |
Sources (1)
- kbrhfcu.org/rates-fees · captured Oct 16, 2026
Classic or Specialty - Used
All Auto, Motorcycle, Boats, and RV loans require full coverage insurance. Maximum $1000.00 deductible on Comprehensive and Collision. Secured loans financed longer than 48 months shall have a minimum monthly payment of $100.00.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.24% | As low as 4.24% APR*. Requires full coverage insurance. Maximum $1000.00 deductible on Comprehensive and Collision. |
Sources (1)
- kbrhfcu.org/rates-fees · captured Oct 16, 2026
Motorcycles - New
Up to 60-Month terms. Pre-Approval available. All Auto, Motorcycle, Boats, and RV loans require full coverage insurance. Maximum $1000.00 deductible on Comprehensive and Collision. Secured loans financed longer than 48 months shall have a minimum monthly payment of $100.00.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 3.99% | As low as 3.99% APR*. Up to 60 months. Requires full coverage insurance. Maximum $1000.00 deductible on Comprehensive and Collision. |
Motorcycles - Used
Up to 60-Month terms. Pre-Approval available. All Auto, Motorcycle, Boats, and RV loans require full coverage insurance. Maximum $1000.00 deductible on Comprehensive and Collision. Secured loans financed longer than 48 months shall have a minimum monthly payment of $100.00.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 3.99% | As low as 3.99% APR*. Up to 60 months. Requires full coverage insurance. Maximum $1000.00 deductible on Comprehensive and Collision. |
Who can join KBR Heritage Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is open to employees of contractors who work regularly at KBR.
- Membership is open to employees of KBR Inc. and its subsidiaries.
- Membership is open to employees of KBRHFCU.
Family and household
- Membership is open to immediate family members (spouses, children, parents, grandparents, grandchildren, brothers and sisters) of eligible employees.
- Membership is open to spouses of persons who died while within the field of membership of the credit union.
Other ways
- Membership is open to persons retired as pensioners or annuitants from qualifying employments.
Cost to join
- A $5.00 minimum deposit in a Share Savings Account represents a member's share in the credit union.
Membership information collected October 5, 2026.