Credit union · NCUA insured
LibertyOne Credit Union Auto Loan Rates
LibertyOne Credit Union auto loans start at 4.99% APR for a new vehicle and 4.99% for a used one. Rates checked October 16, 2026.
How LibertyOne Credit Union’s auto loan rates compare
Compared with banks and credit unions near Dallas, TX, where LibertyOne Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
LibertyOne Credit Union
4.99%APR
- Terms
- up to 60 months
New and Used Automobiles
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
- —
LibertyOne Credit Union auto loan score
83
Auto loan score
Higher than 62% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed4.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where LibertyOne 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 and Used Automobiles
Base rates for October 2026. Rates are based on approved credit and will range from base rates minus discounts to base rates plus 10%, depending on credit score. Terms from 2 to 15 years depending on vehicle. Same rate for new and used. 5-Star Program discounts available from .50% to 1.00% off rate. Refinance from another lender receives $200 CASH and NO PAYMENTS for 2 Months upon approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.99% | Rate based on creditworthiness. Rate may range up to base rate plus 10%. 5-Star Program discounts available from .50% to 1.00% off. |
| up to 36 months | 4.99% | Rate based on creditworthiness. Rate may range up to base rate plus 10%. 5-Star Program discounts available from .50% to 1.00% off. |
| up to 48 months | 4.99% | Rate based on creditworthiness. Rate may range up to base rate plus 10%. 5-Star Program discounts available from .50% to 1.00% off. |
| up to 60 months | 4.99% | Rate based on creditworthiness. Rate may range up to base rate plus 10%. 5-Star Program discounts available from .50% to 1.00% off. |
| up to 72 months | 4.99% | Rate based on creditworthiness. Rate may range up to base rate plus 10%. 5-Star Program discounts available from .50% to 1.00% off. |
| up to 84 months | 4.99% | Rate based on creditworthiness. Rate may range up to base rate plus 10%. 5-Star Program discounts available from .50% to 1.00% off. |
Who can join LibertyOne Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- U.S. Government employees who live or work in Dallas, Tarrant, Denton, Collin, Rockwall, Hunt, Kaufman, Ellis, Johnson, Hood, Somervell, Parker, or Wise County, Texas are eligible for membership.
Family and household
- Family members (spouse, children, brothers, sisters, parents, grandparents, grandchildren, aunts, uncles, cousins, nieces, nephews, step-children, in-laws, and step-parents) of eligible U.S. Government employees are eligible to join, regardless of where they live or work.
Cost to join
- A $1 membership fee is required upon opening an account.
- A $25 deposit is required to open an account and remains in the savings account.
Membership information collected October 5, 2026.