Credit union · NCUA insured
Priority Trust Credit Union Auto Loan Rates
Priority Trust Credit Union auto loans start at 4.75% APR for a new vehicle and 4.75% for a used one. Rates checked October 16, 2026.
How Priority Trust Credit Union’s auto loan rates compare
Compared with banks and credit unions near Houston, TX, where Priority Trust Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Priority Trust Credit Union
4.75%APR
- Terms
- up to 84 months
- Up to
- 17.99% APR
- Discount
- Included in the rate
New and Used Autos
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
Priority Trust Credit Union auto loan score
77
Auto loan score
Higher than 44% of U.S. banks and credit unions
- New vehicleNew4.75%
- Used vehicleUsed4.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Priority Trust 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.
ATV and 4-Wheeler Loans
APR includes 0.25% automatic payment discount and 0.50% discount for 20% down payment. Rate also applies to Side-by-Sides. Membership required; $5 minimum deposit to establish membership.
| Terms | APR | Conditions |
|---|---|---|
| 1–60 months | 7.00%–15.99% | For model year 2018 or newer. APR includes 0.25% automatic payment discount and 0.50% discount for 20% down payment. Rate also applies to Side-by-Sides. Based on creditworthiness and loan term. |
Sources (1)
- prioritytrustcu.org/about-us/rates · captured Oct 6, 2026
Auto Equity Loan
Model Year 10 years old or newer. Loan amount up to 80% of vehicle value. Rate includes 0.25% automatic payment discount. All rates are dependent on credit worthiness and loan term. Loan to Value Ratio on Secured loans may increase or decrease the rate.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 8.99%–17.99% | Model Year 10 years old or newer. Loan amount up to 80% of vehicle value. Rate includes 0.25% automatic payment discount. |
Sources (1)
- prioritytrustcu.org/about-us/rates · captured Oct 16, 2026
Motorcycles
Model Year 2018 or Newer. Rate includes 0.25% automatic payment discount and 0.50% discount for 20% down payment. Rate also applies to Slingshots, Trikes. All rates are dependent on credit worthiness and loan term. Loan to Value Ratio on Secured loans may increase or decrease the rate.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 6.45%–17.99% | Model Year 2018 or Newer. Rate includes 0.25% automatic payment discount and 0.50% discount for 20% down payment. Rate also applies to Slingshots, Trikes. |
Sources (1)
- prioritytrustcu.org/about-us/rates · captured Oct 16, 2026
New and Used Autos
Model Year 2018 or Newer. Rate includes 0.25% automatic payment discount and 0.50% discount for 20% down payment. All rates are dependent on credit worthiness and loan term. Loan to Value Ratio on Secured loans may increase or decrease the rate.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.75%–17.99% | Model Year 2018 or Newer. Rate includes 0.25% automatic payment discount and 0.50% discount for 20% down payment. |
Sources (1)
- prioritytrustcu.org/about-us/rates · captured Oct 16, 2026
Season of Savings Auto Loan
Promotion valid through January 16, 2026. Buy now and skip payments until February 2026. Rate as low as 4.05% APR available with qualifying discounts: Auto Pay (0.25% discount), 20% down payment (0.50% discount), and checking account with direct deposit averaging $1,000+ monthly (0.20% discount). Based on credit approval. Minimum loan amount $15,000. Membership required; $5 minimum deposit to establish membership.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.05% | Rates as low as 4.05% APR with qualifying discounts: Auto Pay (0.25% discount), 20% down payment (0.50% discount), and checking account with direct deposit averaging $1,000+ monthly (0.20% discount). Based on credit approval. Minimum loan amount $15,000. Season of Savings promotion valid through January 16, 2026. First payment deferred until February 2026. |
Sources (1)
- prioritytrustcu.org/season-of-…-buy-now-pay-in-february · captured Oct 16, 2026
Who can join Priority Trust 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, or worships within the Greater Houston Area, Harris County, and all adjacent counties is eligible for membership.
Military, government and schools
- Present and former employees affiliated with US Postal Service, City of Houston Municipal Employees, or Harris Health Systems are eligible for membership.
Family and household
- Immediate family members of eligible affiliated or geographic community members are eligible for membership.
Cost to join
- Opening membership requires a $5 savings deposit.
Membership information collected October 5, 2026.