Credit union · NCUA insured
Pampa Teachers Federal Credit Union Auto Loan Rates
Pampa Teachers Federal Credit Union auto loans start at 4.50% APR for a new vehicle and 6.00% for a used one. Rates checked October 16, 2026.
How Pampa Teachers Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Pampa, TX, where Pampa Teachers Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Pampa Teachers Federal Credit Union
4.50%APR
- Terms
- up to 60 months
New & Used Auto (2022 - 2026)
2nd-lowest rate
Pantex Federal Credit Union
5.00%APR
- Terms
- 61–72 months
3rd-lowest rate
Cabot CCU
5.60%APR
- Terms
- —
Pampa Teachers Federal Credit Union auto loan score
85
Auto loan score
Higher than 69% of U.S. banks and credit unions
- New vehicleNew4.50%
- Used vehicleUsed6.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Pampa Teachers 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 Auto (2022 - 2026)
Qualify for Loyalty Rate Discount Options up to 0.45% in loan rate discounts with Member Benefits: 0.10% discount for active checking account with PTFCU, 0.10% for payroll direct deposit, and up to 0.25% for years as a PTFCU member (exceptions may apply).
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.00% | — |
| up to 48 months | 4.00% | — |
| up to 60 months | 4.50% | — |
| up to 72 months | 4.75% | — |
| up to 84 months | 6.00% | — |
Sources (1)
- ptfcu-tx.com/Lending/Auto · captured Oct 7, 2026
Used Auto (2021 & Older)
Qualify for Loyalty Rate Discount Options up to 0.45% in loan rate discounts with Member Benefits: 0.10% discount for active checking account with PTFCU, 0.10% for payroll direct deposit, and up to 0.25% for years as a PTFCU member (exceptions may apply).
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.00% | — |
| up to 48 months | 5.50% | — |
| up to 60 months | 6.00% | — |
| up to 72 months | 6.50% | — |
| up to 84 months | 7.00% | — |
Sources (1)
- ptfcu-tx.com/Lending/Auto · captured Oct 7, 2026
Who can join Pampa Teachers Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.