Credit union · NCUA insured
Lone Star Credit Union Auto Loan Rates
Lone Star Credit Union auto loans start at 5.25% APR for a new vehicle and 5.25% for a used one. Rates checked October 16, 2026.
How Lone Star Credit Union’s auto loan rates compare
Compared with banks and credit unions near Dallas, TX, where Lone Star Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Lone Star Credit Union
5.25%APR
- Terms
- 24–84 months
Auto Loans
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
- —
Lone Star Credit Union auto loan score
77
Auto loan score
Higher than 44% of U.S. banks and credit unions
- New vehicleNew5.25%
- Used vehicleUsed5.25%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Lone Star 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 Loan Refinancing
Must be 18 years or older. Subject to credit approval and creditworthiness. Does not apply to vehicles currently financed through Lone Star Credit Union.
| Terms | APR | Conditions |
|---|---|---|
| 24–84 months | 5.25% | Rates are based on creditworthiness. Subject to credit approval. |
Sources (2)
All captured Oct 7, 2026
Auto Loans
Must be 18 years or older. Subject to credit approval and creditworthiness. Loan application and approval required. Does not apply to vehicles currently financed through Lone Star Credit Union.
| Terms | APR | Conditions |
|---|---|---|
| 24–84 months | 5.25% | Rates are based on creditworthiness. Subject to credit approval. |
Sources (3)
All captured Oct 7, 2026
Who can join Lone Star 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This may be incomplete or out of date, so check with the credit union before you apply.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 live, work, worship, or attend school within Collin or Ellis County are eligible for membership.
- Persons who live or work within the Texas counties of Delta, Hopkins, Hunt, Kaufman, Rains, or Rockwall are eligible for membership.
- Persons who live or work within a 10-mile radius of the Dallas branch are eligible for membership.
Employers and groups
- Employees of a business served by Lone Star Credit Union are eligible for membership.
Family and household
- Family members of individuals who are eligible for membership (or members) are eligible to join.
Cost to join
- A $25 opening deposit into a Savings account is required to become a member.
Membership information collected October 5, 2026.