Credit union · NCUA insured
Pantex Federal Credit Union Auto Loan Rates
Pantex Federal Credit Union auto loans start at 5.00% APR for a new vehicle and 5.00% for a used one. Rates checked October 16, 2026.
How Pantex Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Borger, TX, where Pantex Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Pantex Federal Credit Union
5.00%APR
- Terms
- 61–72 months
- Discount
- None included
New Vehicle Loans
Lowest rate
Texas Plains Federal Credit Union
4.75%APR
- Terms
- up to 60 months
- Discount
- None included
2nd-lowest rate
Education Credit Union
4.99%APR
- Terms
- 61–72 months
- Discount
- Included in the rate
Pantex Federal Credit Union auto loan score
82
Auto loan score
Higher than 57% of U.S. banks and credit unions
- New vehicleNew5.00%
- Used vehicleUsed5.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Pantex 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 Vehicle Loans
Financing up to 120% of the MSRP (Window Sticker). Terms up to 84 months. All terms, rates and financing amounts are based on individual credit.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.00% | Financing up to 120% of Sticker Price (MSRP). Includes Cars, Boats. |
| 49–60 months | 5.00% | Financing up to 120% of Sticker Price (MSRP). Includes Cars, Boats. |
| 61–72 months | 5.00% | Loan amount must be $20,000 or over to qualify for 61 to 72 Month financing. Financing up to 120% of Sticker Price (MSRP). |
| 73–84 months | 6.00% | Loan amount must be $40,000 or over to qualify for 73 to 84 Month financing. Financing up to 120% of Sticker Price (MSRP). |
Used Vehicle Loans
Financing up to 120% of the vehicle NADA Clean Retail Value on vehicles less than 10 years old (terms up to 72 months). Financing on vehicles 10 years and older up to 100% of NADA Clean Trade-In Value (maximum term up to 48 months). All terms, rates, and financing amounts are based on individual credit. Comprehensive and collision insurance must be carried on all vehicle loans over $1,000.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.00% | Financing up to 120% of NADA Clean Retail Value. Includes Cars, Boats. |
| 49–60 months | 5.00% | Loan amount must be $10,000 or over to qualify for 60 Month financing. Financing up to 120% of NADA Clean Retail Value. Includes Cars, Boats. |
| 61–72 months | 5.00% | Loan amount must be $20,000 or over to qualify for 61 to 72 Month financing. Financing up to 120% of NADA Clean Retail Value. |
| up to 48 months | 6.60% | Applies to Used Vehicles 10 Years or Older. Financing up to 100% of NADA Clean Trade Value. |
Who can join Pantex 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
- Persons who live, work, worship, volunteer or attend school in and businesses and other legal entities in the area within the city limits of Amarillo inside of Potter County.
- Persons who live, work, worship, volunteer, or attend school in and businesses and other legal entities within Hutchinson County.
- Persons who live, work, worship, volunteer, or attend school in and businesses and other legal entities within the southern city limits of Pampa, Tx in Gray County.
Employers and groups
- Employees of American Fertilizer & Chemical Company who work at Henderson, Colorado.
- Employees of Anadarko Petroleum who work in Hutchinson County.
- Employees of specified entities (Agrium, Inc., Golden Plains Community Hospital, H.B. Zachry Company, J.M. Huber Corporation, Engineered Carbons, Inc., Sid Richard Carbon and Gasoline Company) who work in Borger, TX.
13 more ways to join
Employers and groups
- Management or supervisory employees of construction or maintenance firms who work under contract with Phillips Petroleum Company or J.M. Huber/ECI Companies in Hutchinson County or Beaver or Texas Counties of Oklahoma.
- Employees of this credit union.
- Employees of DCP (f.k.a. Duke Energies) who work in Texas, New Mexico, or Beaver or Texas counties of Oklahoma.
- Employees of HydroChem Industrial who work at the Phillips Refinery.
- Employees of United Supermarkets, G.P. Guinn Trucking, Inc., Country Chevrolet, Spradling, Inc., Gasket and Packings, Inc., AMECO, or Harvey Tire Company who work in Borger.
- Employees of Phillips Petroleum Company and Phillips Pipeline Company who work in Beaver and Texas counties of Oklahoma, and Natrona and Converse counties in Wyoming.
- Employees of Phillips Petroleum Company who work in Alaska, or at designated plants in Nebraska, Washington, or Ohio.
- Employees of Phillips Petroleum Company who work in Texas or New Mexico, including designated Borger Strategic Business Unit and Philtex/Ryton Complex employees.
- Members of Local Union #463 in Borger, Texas.
Military, government and schools
- Employees of specified political subdivisions of the State of Texas (The City of Borger, The City of Fritch, The City of Panhandle, The City of Stinnett, Hutchinson County, Hutchinson County Appraisal District).
Family and household
- Members of immediate families.
Other ways
- Persons retired from all the above-mentioned employment.
- Spouses of persons who died while within the field of membership of this credit union.
Membership information collected October 5, 2026.