Credit union · NCUA insured
Morris Sheppard Texarkana FCU Auto Loan Rates
Morris Sheppard Texarkana FCU auto loans start at 4.50% APR for a new vehicle and 4.50% for a used one. Rates checked October 16, 2026.
How Morris Sheppard Texarkana FCU’s auto loan rates compare
Compared with banks and credit unions near Texarkana, TX-AR, where Morris Sheppard Texarkana FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Morris Sheppard Texarkana FCU
4.50%APR
- Terms
- up to 72 months
Auto Loan (New)
2nd-lowest rate
Red River Credit Union
5.60%APR
- Terms
- up to 60 months
3rd-lowest rate
Capital One
5.77%APR
- Terms
- up to 72 months
Morris Sheppard Texarkana FCU auto loan score
89
Auto loan score
Higher than 86% of U.S. banks and credit unions
- New vehicleNew4.50%
- Used vehicleUsed4.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Morris Sheppard Texarkana 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.
Auto Loan (New)
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 4.50% | As low as; financing for new vehicles. |
Auto Loan (Used)
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.50% | As low as; financing for used vehicles. |
Who can join Morris Sheppard Texarkana FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of Texarkana Water Utilities are eligible for membership.
Military, government and schools
- Employees of Bowie County are eligible for membership.
- Employees of City of Nash, TX are eligible for membership.
- Employees of City of Texarkana, AR are eligible for membership.
- Employees of City of Texarkana, TX are eligible for membership.
- Employees of City of Wake Village, TX are eligible for membership.
2 more ways to join
Military, government and schools
- Employees of Miller County are eligible for membership.
Family and household
- Immediate family members (spouse, children, and grandchildren) of employees of qualifying employer groups or members are eligible to join.
Membership information collected October 5, 2026.