Credit union · NCUA insured
NPTFCU Auto Loan Rates
NPTFCU auto loans start at 5.40% APR for a new vehicle and 5.45% for a used one. Rates checked October 16, 2026.
How NPTFCU’s auto loan rates compare
Compared with banks and credit unions in Texas, where NPTFCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
NPTFCU
5.40%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- None included
New Vehicles
Lowest rate
Valley Federal Credit Union
2.95%APR
- Terms
- up to 72 months
- Up to
- —
- Discount
- None included
2nd-lowest rate
Lubrizol Employees' Credit Union
3.24%APR
- Terms
- 24–60 months
- Up to
- 14.49% APR
- Discount
- Included in the rate
NPTFCU auto loan score
75
Auto loan score
Higher than 39% of U.S. banks and credit unions
- New vehicleNew5.40%
- Used vehicleUsed5.45%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where NPTFCU 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 Vehicles
All loans are simple fixed interest loans, requiring monthly installment payments. There are no penalty charges for early payoff. Loan rate and term is subject to credit approval. Vehicle loans require full coverage insurance with the credit union listed as loss payee. Financing up to 100% of Purchase Price plus TT&L. Rates are subject to change monthly.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.20% | Base rate. Rate and terms are based on the borrower's credit rating. |
| up to 48 months | 5.30% | Base rate. Rate and terms are based on the borrower's credit rating. |
| up to 60 months | 5.40% | Base rate. Rate and terms are based on the borrower's credit rating. |
| up to 72 months | 5.50% | Base rate. Loan amount must be $20,000.00 or more to qualify for 61 to 72 month financing. Rate and terms are based on the borrower's credit rating. |
| up to 84 months | 6.55% | Base rate. Loan amount must be $30,000.00 or more to qualify for 73 to 84 month financing. Rate and terms are based on the borrower's credit rating. |
Used Vehicles
All loans are simple fixed interest loans, requiring monthly installment payments. There are no penalty charges for early payoff. Loan rate and term is subject to credit approval. Vehicle loans require full coverage insurance with the credit union listed as loss payee. Financing up to 100% of NADA Retail Value. Rates are subject to change monthly.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.25% | Base rate. Rate and terms are based on the borrower's credit rating. |
| up to 48 months | 5.35% | Base rate. Rate and terms are based on the borrower's credit rating. |
| up to 60 months | 5.45% | Base rate. Rate and terms are based on the borrower's credit rating. |
| up to 72 months | 5.55% | Base rate. Loan amount must be $20,000.00 or more to qualify for 61 to 72 month financing. Rate and terms are based on the borrower's credit rating. |
| up to 36 months | 8.25% | Older models. Base rate. Rate and terms are based on the borrower's credit rating. |
Who can join NPTFCU
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Employees and retirees of specified school systems are eligible for membership.
Family and household
- Immediate family members of eligible school employees may become members.
Cost to join
- A $5.00 membership fee is required to open an account and become a member.
- A minimum deposit of $25.00 into shares is required to open an account and become a member.
Membership information collected October 5, 2026.