Credit union · NCUA insured
LCRA CU Auto Loan Rates
LCRA CU auto loans start at 4.75% APR for a new vehicle and 4.75% for a used one. Rates checked October 16, 2026.
How LCRA CU’s auto loan rates compare
Compared with banks and credit unions near Austin, TX, where LCRA CU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
LCRA CU
4.75%APR
- Terms
- up to 60 months
- Discount
- None included
Vehicle Loans
Lowest rate
Texell Credit Union
4.24%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
2nd-lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
- Discount
- None included
LCRA CU 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 LCRA CU 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.
Vehicle Loans
Minimum loan advance is $500. Minimum monthly payment is $35. Annual Percentage Rate (APR) based on creditworthiness. Max terms by model year: New to 2023 up to 78 Months, 2022 to 2020 up to 66 Months, 2019 to 2018 up to 63 Months, 2017 to 2016 up to 48 Months. Amount borrowed may affect term. Late fee of 5% of payment (min $5.00) if payment is more than 10 days late.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.25% | Tier Level A+ (Credit score range: 720+) |
| up to 48 months | 5.25% | Tier Level A (Credit score range: 680-719) |
| up to 48 months | 6.25% | Tier Level B (Credit score range: 660-679) |
| up to 48 months | 7.75% | Tier Level C (Credit score range: 640-659) |
| up to 48 months | 12.25% | Tier Level D (Credit score range: 600-639) |
| up to 48 months | 16.00% | Tier Level E (Credit score range: 540-599) |
| up to 60 months | 4.75% | Tier Level A+ (Credit score range: 720+) |
| up to 60 months | 5.50% | Tier Level A (Credit score range: 680-719) |
| up to 60 months | 6.50% | Tier Level B (Credit score range: 660-679) |
| up to 60 months | 8.75% | Tier Level C (Credit score range: 640-659) |
| up to 60 months | 13.25% | Tier Level D (Credit score range: 600-639) |
| up to 60 months | 16.50% | Tier Level E (Credit score range: 540-599) |
| up to 78 months | 5.00% | Tier Level A+ (Credit score range: 720+) |
| up to 78 months | 5.75% | Tier Level A (Credit score range: 680-719) |
| up to 78 months | 6.75% | Tier Level B (Credit score range: 660-679) |
| up to 78 months | 9.75% | Tier Level C (Credit score range: 640-659) |
| up to 78 months | 14.25% | Tier Level D (Credit score range: 600-639) |
| up to 78 months | 17.00% | Tier Level E (Credit score range: 540-599) |
| up to 84 months | 5.50% | Tier Level A+ (Credit score range: 720+) |
| up to 84 months | 6.25% | Tier Level A (Credit score range: 680-719) |
Who can join LCRA CU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, work, attend school, or worship in, and businesses located within a 10-mile radius of LCRA Credit Union's office located at 3505 Montopolis, Austin, TX 78744 are eligible for membership.
Employers and groups
- Any business or organization whose employees or members are within this field of membership is eligible for membership.
- Members and Friends of the Colorado River Foundation are eligible for membership.
- Groups of employees or members of companies or associations located within ten miles of the credit union's main office or any additional office that have furnished written evidence of sponsor support are eligible for membership, subject to specific group size and primary credit union restrictions.
- Contract employees assigned permanently or temporarily to any affiliate of the Lower Colorado River Authority are eligible for membership.
- Employees of subsidiaries and affiliates, owned or operated by LCRA and paid from Austin, Texas are eligible for membership.
9 more ways to join
Employers and groups
- Employees and Board Members and/or City Council Members of the Wholesale Customers of the Lower Colorado River Authority are eligible for membership.
- Employees and Board Members of the San Bernard Electric Coop are eligible for membership.
- Employees of St. Mark's Medical Center, La Grange, Texas are eligible for membership.
Military, government and schools
- Employees of County of Fayette, Fayette County, Texas are eligible for membership.
- Employees and Board Members of the Housing Authority of the City of Luling are eligible for membership.
- Employees and Board Members of the Lower Colorado River Authority are eligible for membership.
Family and household
- Immediate family members of members are eligible for membership at LCRA Credit Union.
- Spouses of persons who died while within the field of membership of this credit union are eligible for membership.
Other ways
- Persons receiving retirement, pension, or other benefits as a result of prior employment by any business or organization included within this field of membership are eligible for membership.
Cost to join
- A deposit of $5 is required to open an account.
Membership information collected October 5, 2026.