Credit union · NCUA insured
MOPAC Employees Federal Credit Union Auto Loan Rates
MOPAC Employees Federal Credit Union auto loans start at 2.75% APR for a new vehicle and 4.75% for a used one. Rates checked October 16, 2026.
How MOPAC Employees Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Palestine, TX, where MOPAC Employees Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
MOPAC Employees Federal Credit Union
2.75%APR
- Terms
- —
- Up to
- 11.75% APR
Auto Special
2nd-lowest rate
Trinity Valley Teachers Credit Union
5.49%APR
- Terms
- up to 60 months
- Up to
- —
3rd-lowest rate
Anderson County Federal Credit Union
5.50%APR
- Terms
- up to 60 months
- Up to
- —
MOPAC Employees Federal Credit Union auto loan score
92
Auto loan score
Higher than 93% of U.S. banks and credit unions
- New vehicleNew2.75%
- 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 MOPAC Employees Federal 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 Special
Rate and Term based on credit. Approval based on credit worthiness. All rates based on Annual Percentage Rate. No refinancing of existing MOPAC loans.
| Terms | APR | Conditions |
|---|---|---|
| — | 2.75%–11.75% | NEW vehicle; OCTOBER 6 - 30 promotional period; Rate and Term based on credit. Approval based on credit worthiness. No refinancing of existing MOPAC loans. |
| — | 4.75%–13.75% | USED vehicle; OCTOBER 6 - 30 promotional period; Rate and Term based on credit. Approval based on credit worthiness. No refinancing of existing MOPAC loans. |
Sources (1)
- mopaccu.com/rates-loans · captured Oct 16, 2026
Autos
Rates subject to change; Fixed APR as low as; Rates and terms based on vehicle age and loan amount; Ask sales person for Credit Union Member Discount
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.50% | New vehicle |
| up to 60 months | 6.50% | New vehicle |
| up to 72 months | 7.50% | New vehicle; Loan amount over 25K |
| up to 84 months | 8.50% | New vehicle; Loan amount over 35K |
| up to 48 months | 6.50% | Used vehicle (up to 10 years old) |
| up to 60 months | 7.50% | Used vehicle (up to 10 years old) |
| up to 72 months | 8.50% | Used vehicle (up to 10 years old); Loan amount over 25K |
| up to 84 months | 9.50% | Used vehicle (up to 10 years old); Loan amount over 35K |
| up to 54 months | 8.50% | Used vehicle (10 - 20 years old) |
| up to 48 months | 9.50% | Used vehicle (over 20 years old) |
| — | 1.90% | We will match DEALER RATE as low as 1.90% |
Sources (1)
- mopaccu.com/rates-loans · captured Oct 16, 2026
Motorcycle/ATV/Travel Trailers/Motorhome/Boat/Jetski
Rates subject to change. Ask sales person for Credit Union Member Discount.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 8.50% | New vehicle |
| up to 54 months | 9.50% | Used (Up to 10 years old) |
| up to 48 months | 10.50% | Used (over 10 years old) |
Sources (1)
- mopaccu.com/rates-loans · captured Oct 16, 2026
Who can join MOPAC Employees Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees and retired employees of Texas State Railroad are eligible for membership.
- Employees and retired employees of Union Pacific Railroad are eligible for membership.
Family and household
- Family members related by blood or marriage to qualifying employees/retired employees are eligible for membership.
Membership information collected October 5, 2026.