Credit union · NCUA insured
PrimeWay Federal Credit Union Auto Loan Rates
Top CarrotPrimeWay Federal Credit Union auto loans start at 5.15% APR for a new vehicle and 5.15% for a used one. Rates checked October 16, 2026.
How PrimeWay Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Houston, TX, where PrimeWay Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
PrimeWay Federal Credit Union
5.15%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- None included
Auto Loans (New & Used)
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
PrimeWay Federal Credit Union auto loan score
81
Auto loan score
Higher than 54% of U.S. banks and credit unions
- New vehicleNew5.15%
- Used vehicleUsed5.15%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where PrimeWay 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.
Auto Loans (New & Used)
Model Years 2019-2025. Rates based on credit score, term, collateral, down payments, loan-to-value position, and normal lending criteria. Includes promotional rate options with promo code PAYSAVE24 / MBP discount.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.05% | Model Years: 2019-2025. |
| up to 48 months | 5.15% | Model Years: 2020-2025. |
| up to 60 months | 5.15% | Model Years: 2021-2025. Minimum loan amount $10,000. |
| up to 72 months | 5.15% | Model Years: 2022-2025. Minimum loan amount $15,000. |
| up to 84 months | 5.99% | Model Years: 2023-2025. Minimum loan amount $35,000. |
| up to 36 months | 3.80% | Includes a 0.25% discount for the purchase of Mechanical Breakdown Protection (MBP), available at an additional cost. Promo code: PAYSAVE24. Payment is $29.44 per $1,000 monthly. |
Sources (4)
- primewayfcu.com/disclosures
- primewayfcu.com/vehicle-loans
- primewayfcu.com/vehicle-loans/auto-loan
- primewayfcu.com
All captured Oct 6, 2026
Motorcycle Loans
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 8.00% | — |
| up to 60 months | 8.15% | Minimum $10,000 |
| up to 72 months | 8.30% | Minimum $15,000 |
Payment Saver Auto Loan
Hybrid auto loan with no money down / no acquisition fees. Titled in borrower's name. Future year, current year, and pre-owned vehicles up to 5 years old qualify. Financed for up to 72 months. Annual mileage options of 12,000, 15,000, or 18,000.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.80% | Promo code: PAYSAVE24. Term for rate listed is for up to 36 Months. Includes a 0.25% discount for the purchase of Mechanical Breakdown Protection (MBP), available at an additional cost. |
Sources (1)
- primewayfcu.com/vehicle-loans/auto-loan · captured Oct 6, 2026
Who can join PrimeWay 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
- Membership is open to individuals who live, work, worship, or attend school in Houston, Washington, Fort Bend, or Harris County.
Employers and groups
- Membership is open to employees of PrimeWay partner companies/employers.
Family and household
- Family members (spouse, children, grandchildren, parents, grandparents, or siblings) of an established member are eligible to join.
Cost to join
- A $5 initial deposit in a savings account is required to establish membership.
Membership information collected October 5, 2026.