Credit union · NCUA insured
Port Arthur Community Federal Credit Union Auto Loan Rates
Port Arthur Community Federal Credit Union auto loans start at 4.50% APR for a new vehicle and 4.50% for a used one. Rates checked October 16, 2026.
How Port Arthur Community Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Beaumont, TX, where Port Arthur Community Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Port Arthur Community Federal Credit Union
4.50%APR
- Terms
- 36–84 months
New & Used Vehicle Loans
Lowest rate
CommonCents CU
3.50%APR
- Terms
- —
2nd-lowest rate
Gulf Credit Union
4.25%APR
- Terms
- up to 60 months
Port Arthur Community Federal Credit Union auto loan score
89
Auto loan score
Higher than 86% of U.S. banks and credit unions
- New vehicleNew4.50%
- Used vehicleUsed4.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Port Arthur Community 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 Vehicle Loans
Financing available for new or used vehicles or refinancing. 100% financing available for qualified borrowers. First-time buyer program available. No early payoff penalties.
| Terms | APR | Conditions |
|---|---|---|
| 36–84 months | 4.50% | Rates as low as 4.50% APY. Same low rate for new or used vehicles. |
Who can join Port Arthur Community 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This may be incomplete or out of date, so check with the credit union before you apply.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
- Anyone who lives, works, worships, or attends school in Port Arthur, TX is eligible for membership.
Military, government and schools
- Employees of the City of Port Arthur and Municipal employees are eligible for membership.
Family and household
- Spouses, children, parents, grandparents, and siblings of existing PACFCU members may be eligible to join.
Membership information collected October 5, 2026.