Credit union · NCUA insured
Port of Houston Credit Union Auto Loan Rates
Port of Houston Credit Union auto loans start at 6.00% APR for a new vehicle and 6.00% for a used one. Rates checked October 16, 2026.
How Port of Houston Credit Union’s auto loan rates compare
Compared with banks and credit unions near Houston, TX, where Port of Houston Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Port of Houston Credit Union
6.00%APR
- Terms
- 49–60 months
- Up to
- 18.00% APR
- Discount
- None included
New Autos & Motorcycles
Lowest rate
Lubrizol Employees' Credit Union
3.24%APR
- Terms
- 24–60 months
- Up to
- 14.49% APR
- Discount
- Included in the rate
2nd-lowest rate
CommonCents CU
3.50%APR
- Terms
- —
- Up to
- —
- Discount
- None included
Port of Houston Credit Union auto loan score
66
Auto loan score
Higher than 16% of U.S. banks and credit unions
- New vehicleNew6.00%
- 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 Port of Houston 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 Autos & Motorcycles
| Terms | APR | Conditions |
|---|---|---|
| 37–48 months | 6.00%–18.00% | Beacon score tiers 680+ to 549 or less. * = Base Rate; ** Score of 549 or less requires a 20% down payment. |
| 49–60 months | 6.00%–18.00% | Beacon score tiers 680+ to 549 or less. * = Base Rate; ** Score of 549 or less requires a 20% down payment. |
| 61–72 months | 6.00%–18.00% | Beacon score tiers 680+ to 549 or less. * = Base Rate; ** Score of 549 or less requires a 20% down payment. |
| 73–84 months | 6.00%–18.00% | Beacon score tiers 680+ to 549 or less. * = Base Rate; ** Score of 549 or less requires a 20% down payment. |
Sources (1)
- pohcu.com/rates · captured Oct 6, 2026
Used Autos & Motorcycles
| Terms | APR | Conditions |
|---|---|---|
| 37–48 months | 6.00%–18.00% | Beacon score tiers 680+ to 549 or less. * = Base Rate; ** Score of 549 or less requires a 20% down payment. |
| 49–60 months | 6.00%–18.00% | Beacon score tiers 680+ to 549 or less. * = Base Rate; ** Score of 549 or less requires a 20% down payment. |
| 61–72 months | 6.00%–18.00% | Beacon score tiers 680+ to 549 or less. * = Base Rate; ** Score of 549 or less requires a 20% down payment. |
| 73–84 months | 6.00%–18.00% | Beacon score tiers 680+ to 549 or less. * = Base Rate; ** Score of 549 or less requires a 20% down payment. |
Sources (1)
- pohcu.com/rates · captured Oct 6, 2026
Who can join Port of Houston Credit Union
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