Credit union · NCUA insured
Kelly Community Federal Credit Union Auto Loan Rates
Kelly Community Federal Credit Union auto loans start at 5.50% APR for a new vehicle and 6.00% for a used one. Rates checked October 16, 2026.
How Kelly Community Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Tyler, TX, where Kelly Community Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Kelly Community Federal Credit Union
5.50%APR
- Terms
- up to 60 months
- Up to
- —
New Vehicle
Lowest rate
Tyler City Employees CU
4.40%APR
- Terms
- up to 60 months
- Up to
- 13.40% APR
2nd-lowest rate
East Texas Professional Credit Union
4.74%APR
- Terms
- up to 66 months
- Up to
- —
Kelly Community Federal Credit Union auto loan score
68
Auto loan score
Higher than 21% of U.S. banks and credit unions
- New vehicleNew5.50%
- Used vehicleUsed6.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Kelly Community 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.
New Vehicle
Available to qualified members for new vehicle purchases or refinances from another financial institution. Account requirements include obtaining a checking account, debit card, online banking, direct deposit, and opting in for E-statements. Rates based on credit performance, vehicle year, and loan terms. Maximum rate is 17.90%. Rate match guarantee: will beat rate up to 0.50% with documented proof from another institution (no APR offers below 4.49%).
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.25% | As low as APR. |
| up to 60 months | 5.50% | As low as APR. |
| up to 72 months | 5.75% | As low as APR. Terms may extend beyond 72 months for loans greater than $50,000. |
Sources (1)
- kellycommunity.org/auto-loans · captured Oct 7, 2026
Used Vehicle
Rates for vehicles 2020 and newer only. Different rates for vehicles older than 2020. Available to qualified members for used vehicle purchases or refinances from another financial institution. Account requirements include obtaining a checking account, debit card, online banking, direct deposit, and opting in for E-statements. Rates based on credit performance, vehicle year, and loan terms. Maximum rate is 17.90%. Rate match guarantee: will beat rate up to 0.50% with documented proof from another institution (no APR offers below 4.49%).
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.75% | As low as APR. Rates for vehicles 2020 and newer only. |
| up to 60 months | 6.00% | As low as APR. Rates for vehicles 2020 and newer only. |
| up to 72 months | 6.25% | As low as APR. Rates for vehicles 2020 and newer only. Terms may extend beyond 72 months for loans greater than $50,000. |
Sources (1)
- kellycommunity.org/auto-loans · captured Oct 7, 2026
Who can join Kelly Community Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.