Credit union · NCUA insured
Neches Federal Credit Union Auto Loan Rates
Top CarrotNeches Federal Credit Union auto loans start at 4.25% APR for a new vehicle and 4.25% for a used one. Rates checked October 16, 2026.
How Neches Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Beaumont, TX, where Neches Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Neches Federal Credit Union
4.25%APR
- Terms
- up to 60 months
New Auto Loan
Lowest rate
CommonCents CU
3.50%APR
- Terms
- —
2nd-lowest rate
Gulf Credit Union
4.25%APR
- Terms
- up to 60 months
Neches Federal Credit Union auto loan score
92
Auto loan score
Higher than 93% of U.S. banks and credit unions
- New vehicleNew4.25%
- Used vehicleUsed4.25%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Neches 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.
New & Used Motorcycles/ATVs Loan
New & Used Motorcycles/ATVs Loan Rates. Lending rates are subject to credit approval. Rate discounts may apply.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.75% | — |
| up to 48 months | 4.00% | — |
| up to 60 months | 4.25% | — |
| up to 72 months | 4.75% | — |
Sources (1)
- nechesfcu.org/rates · captured Oct 6, 2026
New Auto Loan
Lending rates are subject to credit approval. Rate discounts may apply (.25% off for auto transfer/payroll deduction, .25% off for having/applying for a Neches credit card, 0.50% off for Auto Loan Preapproval or External Auto Loan Refinance).
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.75% | — |
| up to 48 months | 4.00% | — |
| up to 60 months | 4.25% | — |
| up to 72 months | 4.75% | — |
| up to 78 months | 5.00% | Minimum Invoice Amount: $30,000 |
| up to 84 months | 5.50% | Minimum Invoice Amount: $40,000 |
Used Auto Loan
Lending rates are subject to credit approval. Rate discounts may apply (.25% off for auto transfer/payroll deduction, .25% off for having/applying for a Neches credit card, 0.50% off for Auto Loan Preapproval or External Auto Loan Refinance).
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.75% | All model years |
| up to 48 months | 4.00% | All model years |
| up to 60 months | 4.25% | 2020 & newer |
| up to 72 months | 4.75% | 2022 & newer |
| up to 78 months | 5.00% | 2024 & newer |
| up to 84 months | 5.50% | 2025 & newer; Vehicles with less than 20k miles |
Who can join Neches Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.