Credit union · NCUA insured
Local 20 IBEW FCU Auto Loan Rates
Local 20 IBEW FCU auto loans start at 7.40% APR for a new vehicle and 8.90% for a used one. Rates checked October 16, 2026.
How Local 20 IBEW FCU’s auto loan rates compare
Compared with banks and credit unions near Dallas, TX, where Local 20 IBEW FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Local 20 IBEW FCU
7.40%APR
- Terms
- 49–60 months
New Car Loan
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
- —
Local 20 IBEW FCU auto loan score
61
Auto loan score
Higher than 3% of U.S. banks and credit unions
- New vehicleNew7.40%
- Used vehicleUsed8.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Local 20 IBEW FCU 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 Car Loan
Rates based on creditworthiness, down payment percentage, and term of loan. Maximum term 72 months from Vehicle In-Service Date; loans above 72 months require approval by Board of Directors. All loans can be discounted by 0.25% APR if member has an active MasterCard account with monthly activity. Rate matching as low as 4.00% APR with approved credit (FICO >= 700 or National Risk Score <= 150).
| Terms | APR | Conditions |
|---|---|---|
| 1–36 months | 6.95% | Sub-Compact; 10% down |
| 1–36 months | 7.20% | Sub-Compact; 5% down |
| 1–36 months | 7.45% | Sub-Compact; 0% down |
| 37–48 months | 7.25% | Compact; 10% down |
| 37–48 months | 7.50% | Compact; 5% down |
| 37–48 months | 7.75% | Compact; 0% down |
| 49–60 months | 7.40% | Standard; 10% down |
| 49–60 months | 7.65% | Standard; 5% down |
| 49–60 months | 7.90% | Standard; 0% down |
| 61–72 months | 7.60% | Luxury; 10% down |
| 61–72 months | 7.85% | Luxury; 5% down |
| 61–72 months | 8.10% | Luxury; 0% down |
| 73–84 months | 7.80% | Requires approval by Board of Directors; 10% down |
| 73–84 months | 8.05% | Requires approval by Board of Directors; 5% down |
| 73–84 months | 8.30% | Requires approval by Board of Directors; 0% down |
| 85–96 months | 7.90% | Requires approval by Board of Directors; 10% down |
| 85–96 months | 8.15% | Requires approval by Board of Directors; 5% down |
| 85–96 months | 8.40% | Requires approval by Board of Directors; 0% down |
| 97–108 months | 8.05% | Requires approval by Board of Directors; 10% down |
| 97–108 months | 8.30% | Requires approval by Board of Directors; 5% down |
| 97–108 months | 8.55% | Requires approval by Board of Directors; 0% down |
| 109–120 months | 8.35% | Requires approval by Board of Directors; 10% down |
| 109–120 months | 8.60% | Requires approval by Board of Directors; 5% down |
| 109–120 months | 8.85% | Requires approval by Board of Directors; 0% down |
Older Used Cars
Model year 2016 and older; maximum term 36 months. Rates based on creditworthiness, valuation criteria, and term of loan. All loans can be discounted by 0.25% APR if member has an active MasterCard account with monthly activity. Rate matching as low as 4.00% APR with approved credit (FICO >= 700 or National Risk Score <= 150).
| Terms | APR | Conditions |
|---|---|---|
| 1–36 months | 10.00% | Kelly Blue Book Trade-In or 85% of NADA Trade-In |
| 1–36 months | 10.50% | Kelly Blue Book Private Party or Nada Trade-In |
| 1–36 months | 11.00% | Kelly Blue Book Private Party Plus Signature Limit or NADA Trade-In plus Signature Limit |
| 37–48 months | 10.15% | Kelly Blue Book Trade-In or 85% of NADA Trade-In |
| 37–48 months | 10.65% | Kelly Blue Book Private Party or Nada Trade-In |
| 37–48 months | 11.15% | Kelly Blue Book Private Party Plus Signature Limit or NADA Trade-In plus Signature Limit |
Used Cars
Model years 2021-2024 (maximum 60 months) and 2017-2020 (maximum 48 months). Rates based on creditworthiness, valuation criteria, and term of loan. All loans can be discounted by 0.25% APR if member has an active MasterCard account with monthly activity. Rate matching as low as 4.00% APR with approved credit (FICO >= 700 or National Risk Score <= 150).
| Terms | APR | Conditions |
|---|---|---|
| 1–48 months | 8.75% | Kelly Blue Book Trade-In or 85% of NADA Trade-In |
| 1–48 months | 9.25% | Kelly Blue Book Private Party or Nada Trade-In |
| 1–48 months | 9.75% | Kelly Blue Book Private Party Plus Signature Limit or NADA Trade-In plus Signature Limit |
| 49–60 months | 8.90% | Kelly Blue Book Trade-In or 85% of NADA Trade-In |
| 49–60 months | 9.40% | Kelly Blue Book Private Party or Nada Trade-In |
| 49–60 months | 9.90% | Kelly Blue Book Private Party Plus Signature Limit or NADA Trade-In plus Signature Limit |
| 61–72 months | 9.10% | Kelly Blue Book Trade-In or 85% of NADA Trade-In |
| 61–72 months | 9.60% | Kelly Blue Book Private Party or Nada Trade-In |
| 61–72 months | 10.10% | Kelly Blue Book Private Party Plus Signature Limit or NADA Trade-In plus Signature Limit |
Who can join Local 20 IBEW FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Individuals associated with Local 20 International Brotherhood of Electrical Workers are eligible for membership.
- Individuals associated with Local 756 Sign Painters & Decorators are eligible for membership.
Family and household
- Direct relation family members of individuals associated with Local 20 International Brotherhood of Electrical Workers or Local 756 Sign Painters & Decorators are eligible for membership.
Membership information collected October 5, 2026.