Credit union · NCUA insured
Laredo Federal Credit Union Auto Loan Rates
Laredo Federal Credit Union auto loans start at 4.99% APR for a new vehicle and 5.49% for a used one. Rates checked October 16, 2026.
How Laredo Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Laredo, TX, where Laredo Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Laredo Federal Credit Union
4.99%APR
- Terms
- up to 75 months
- Up to
- 12.00% APR
- Discount
- None included
New Auto Loans
Lowest rate
STRFCU
4.90%APR
- Terms
- 72–84 months
- Up to
- 14.01% APR
- Discount
- None included
3rd-lowest rate
PNC
5.34%APR
- Terms
- —
- Up to
- 20.69% APR
- Discount
- Included in the rate
Laredo Federal Credit Union auto loan score
80
Auto loan score
Higher than 52% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed5.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Laredo 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.
Motorcycle
Rates are based on qualified credit and term of the loan. Up to % financing with terms from 36-72 months available based on approved credit.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 6.50%–11.25% | Rates based on qualified credit and term of the loan. |
| up to 48 months | 6.75%–11.50% | Rates based on qualified credit and term of the loan. |
| up to 60 months | 7.00%–11.75% | Rates based on qualified credit and term of the loan. |
| up to 72 months | 7.25%–12.00% | Rates based on qualified credit and term of the loan. |
New Auto Loans
Up to 125% financing is offered on new automobiles based on approved credit. Fixed rates are offered from 24-84 months. Payments can be made by payroll deduction, automatic debit, mail, or in person. Other restrictions, such as down payment, tax, title, and license, may apply to finance a vehicle. Rates are based on qualified credit and the term of the loan.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.99%–12.00% | Rates based on qualified credit and term of the loan. |
| up to 36 months | 4.99%–12.00% | Rates based on qualified credit and term of the loan. |
| up to 48 months | 4.99%–12.00% | Rates based on qualified credit and term of the loan. |
| up to 60 months | 4.99%–12.00% | Rates based on qualified credit and term of the loan. |
| up to 72 months | 4.99%–12.00% | Rates based on qualified credit and term of the loan. |
| up to 75 months | 4.99%–12.00% | Rates based on qualified credit and term of the loan. |
| up to 84 months | 5.75%–8.50% | 84-Month Rate Term Available On Vehicle Loans Only. (Restrictions Apply). Rates based on qualified credit and term of the loan. |
Used Auto Loans
Up to 125% financing is offered on used automobiles based on approved credit. Fixed rates are offered from 24-84 months. Payments can be made by payroll deduction, automatic debit, mail, or in person. Other restrictions, such as down payment, tax, title, and license, may apply to finance a vehicle. Rates are based on qualified credit and the term of the loan.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 5.49%–13.50% | Rates based on qualified credit and term of the loan. |
| up to 36 months | 5.49%–13.50% | Rates based on qualified credit and term of the loan. |
| up to 48 months | 5.49%–13.50% | Rates based on qualified credit and term of the loan. |
| up to 60 months | 5.49%–13.50% | Rates based on qualified credit and term of the loan. |
| up to 72 months | 5.49%–13.50% | Rates based on qualified credit and term of the loan. |
| up to 75 months | 5.49%–13.50% | Rates based on qualified credit and term of the loan. |
| up to 84 months | 6.50%–9.25% | 84-Month Rate Term Available On Vehicle Loans Only. (Restrictions Apply). Rates based on qualified credit and term of the loan. |
Who can join Laredo Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives in Webb County is eligible for membership.
- Anyone who attends school in Webb County is eligible for membership.
- Anyone who works in Webb County is eligible for membership.
- Anyone who worships in Webb County is eligible for membership.
Membership information collected October 5, 2026.