Credit union · NCUA insured
Odessa Employees' Credit Union Auto Loan Rates
Odessa Employees' Credit Union auto loans start at 4.75% APR for a new vehicle and 4.75% for a used one. Rates checked October 16, 2026.
How Odessa Employees' Credit Union’s auto loan rates compare
Compared with banks and credit unions near Odessa, TX, where Odessa Employees' Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Odessa Employees' Credit Union
4.75%APR
- Terms
- up to 60 months
New & Used Vehicles
Lowest rate
Complex Community Federal Credit Union
4.70%APR
- Terms
- —
2nd-lowest rate
West Texas CU
4.74%APR
- Terms
- up to 72 months
Odessa Employees' Credit Union auto loan score
87
Auto loan score
Higher than 76% of U.S. banks and credit unions
- New vehicleNew4.75%
- 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 Odessa Employees' 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 Loan Promotion
Please Contact Credit Union For Further Details Match As Low As 3.99% *APR
| Terms | APR | Conditions |
|---|---|---|
| — | 3.99% | Please Contact Credit Union For Further Details Match As Low As 3.99% *APR |
Sources (1)
- odessaecu.com · captured Oct 7, 2026
New & Used Vehicles
Rates effective 9/2023. Used vehicle term limits depend on model year: 2020-newer up to 84 months, 2018-2023 up to 72 months, 2014-2027 up to 60 months, 2013-older up to 48 months.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.50% | Credit rating 750+ (A+) |
| up to 60 months | 4.75% | Credit rating 750+ (A+) |
| up to 60 months | 5.75% | Credit rating 700+ (A) |
| up to 60 months | 8.75% | Credit rating 699-650 (B) |
| up to 60 months | 11.75% | Credit rating 649-600 (C) |
| up to 60 months | 14.75% | Credit rating 599 & BELOW (D) |
| 61–84 months | 5.25% | Credit rating 750+ (A+) |
| 61–84 months | 6.25% | Credit rating 700+ (A) |
| 61–84 months | 9.25% | Credit rating 699-650 (B) |
| 61–84 months | 12.25% | Credit rating 649-600 (C) |
| 61–84 months | 15.25% | Credit rating 599 & BELOW (D) |
Who can join Odessa Employees' Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- City employees are eligible to become members of the credit union.
Family and household
- Family members of city employees and existing members are eligible to join the credit union.
Cost to join
- An initial deposit of $25 is required to join the credit union.
Membership information collected October 5, 2026.