Credit union · NCUA insured
PECU Auto Loan Rates
Top CarrotPECU auto loans start at 5.39% APR for a new vehicle and 5.39% for a used one. Rates checked October 16, 2026.
How PECU’s auto loan rates compare
Compared with banks and credit unions near Austin, TX, where PECU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
PECU
5.39%APR
- Terms
- up to 60 months
- Discount
- None included
New and Used Autos
Lowest rate
Texell Credit Union
4.24%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
2nd-lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
- Discount
- None included
PECU auto loan score
76
Auto loan score
Higher than 40% of U.S. banks and credit unions
- New vehicleNew5.39%
- Used vehicleUsed5.39%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where PECU 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.
Motorcycle and Scooter Loans
Terms up to 72 months on motorcycles and scooters. Up to 100% financing, plus tax, title and license. GAP, Credit Life and Disability insurance available to add to the loan.
| Terms | APR | Conditions |
|---|---|---|
| up to 66 months | 6.89% | Model year 2025 and newer; max term up to 66 months. |
| up to 72 months | 7.49% | Model year 2025 and newer; max term up to 72 months. |
| up to 66 months | 8.09% | Model year 2024-2023; max term up to 66 months. |
| up to 72 months | 8.69% | Model year 2024-2023; max term up to 72 months. |
| up to 48 months | 9.29% | Model year 2022-2021; max term up to 48 months. |
| up to 63 months | 9.29% | Model year 2022-2021; max term up to 63 months. |
Sources (2)
All captured Oct 16, 2026
New and Used Autos
Rates, terms and conditions subject to change without notice. Standard underwriting guidelines apply. Up to 100% financing, plus tax, title and license. Vehicles currently financed at PECU are not eligible for refinancing promotion. All loans subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.39% | Model year 2025 and newer; max term up to 36 months. |
| up to 48 months | 5.39% | Model year 2025 and newer; max term up to 48 months. |
| up to 60 months | 5.39% | Model year 2025 and newer; max term up to 60 months. |
| up to 66 months | 5.59% | Model year 2025 and newer; max term up to 66 months. |
| up to 72 months | 5.69% | Model year 2025 and newer; max term up to 72 months. |
| up to 78 months | 6.39% | Model year 2025 and newer; max term up to 78 months. |
| up to 84 months | 6.69% | Model year 2025 and newer; max term up to 84 months. |
| up to 66 months | 5.99% | Model year 2024; max term up to 66 months. |
| up to 72 months | 6.29% | Model year 2024; max term up to 72 months. |
| up to 75 months | 6.49% | Model year 2024; max term up to 75 months. |
| up to 66 months | 6.19% | Model year 2023-2022; max term up to 66 months. |
| up to 72 months | 6.49% | Model year 2023-2022; max term up to 72 months. |
| up to 66 months | 6.59% | Model year 2021; max term up to 66 months. |
| up to 60 months | 6.59% | Model year 2020-2019; max term up to 60 months. |
| up to 60 months | 6.79% | Model year 2018-2017; max term up to 60 months. |
Who can join PECU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is available to anyone who lives, works, worships, or attends school within a 10-mile radius of any PECU office.
- Membership is open to anyone who lives, works, worships, or attends school in Travis County.
- Membership is open to anyone who lives, works, worships, or attends school in Williamson County.
- Membership is open to anyone who lives, works, worships, or attends school in Bastrop County and Hays County.
Membership information collected October 5, 2026.