Credit union · NCUA insured
Linkage Credit Union Auto Loan Rates
Linkage Credit Union auto loans start at 4.99% APR for a new vehicle. Rates checked October 16, 2026.
How Linkage Credit Union’s auto loan rates compare
Compared with banks and credit unions near Waco, TX, where Linkage Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Linkage Credit Union
4.99%APR
- Terms
- up to 72 months
- Discount
- None included
Auto Loans
Lowest rate
Texell Credit Union
4.24%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
2nd-lowest rate
Heart O' Texas Federal Credit Union
4.55%APR
- Terms
- —
- Discount
- None included
Linkage Credit Union auto loan score
76
Auto loan score
Higher than 41% of U.S. banks and credit unions
- New vehicleNew4.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Linkage 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 Loans
Subject to credit approval. 100% Financing available to qualified borrowers on new and used vehicles. Additional limitations, terms and conditions may apply.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 4.99% | New auto rates starting as low as 4.99% (APR=Annual Percentage Rate*) for 72 months. Subject to credit approval. |
Who can join Linkage Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who reside, work, worship, or go to school in McLennan County are eligible for membership.
Employers and groups
- Employees and family of ARC Abatement are eligible for membership.
- Employees and family of Integ are eligible for membership.
- Employees and family of Plumlee Place are eligible for membership.
Military, government and schools
- Employees and family of H.O.T Council of Governments are eligible for membership.
- Employees, members, and associates of American Legion Post 121 in Waco, TX are eligible for membership.
1 more way to join
Military, government and schools
- Employees and family of the US Postal Service are eligible for membership.
Cost to join
- A minimum share deposit of $25.00 is required to open and maintain an active membership.
- A $5.00 membership fee is collected at the time of account opening.
Membership information collected October 5, 2026.