Credit union · NCUA insured
NAFT Federal Credit Union Auto Loan Rates
Top CarrotNAFT Federal Credit Union auto loans start at 3.49% APR for a new vehicle and 3.49% for a used one. Rates checked October 16, 2026.
How NAFT Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near McAllen, TX, where NAFT Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
NAFT Federal Credit Union
3.49%APR
- Terms
- up to 84 months
- Up to
- —
Auto Loans
2nd-lowest rate
Highway District 21 Federal Credit Union
4.99%APR
- Terms
- up to 60 months
- Up to
- —
3rd-lowest rate
Rally Credit Union
5.24%APR
- Terms
- up to 84 months
- Up to
- 18.00% APR
NAFT Federal Credit Union auto loan score
99
Auto loan score
Higher than 99% of U.S. banks and credit unions
- New vehicleNew3.49%
- Used vehicleUsed3.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where NAFT 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 Loans
Members must qualify under standard credit union lending guidelines. Existing credit union loans are ineligible to be refinanced at promotional rates. Maximum loan term based on vehicle age: vehicle age plus loan term cannot exceed 10 years. $30.00 application fee.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 3.99% | Standard rate without down payment tier discount. |
| up to 84 months | 3.74% | With 5% down payment. |
| up to 84 months | 3.49% | With 10% down payment. |
Sources (3)
All captured Oct 16, 2026
Who can join NAFT Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, worships, volunteers, or attends school in Hidalgo or Cameron County is eligible to join NAFT Federal Credit Union.
Membership information collected October 5, 2026.