Credit union · NCUA insured
RBFCU Auto Loan Rates
Top CarrotRBFCU auto loans start at 4.49% APR for a new vehicle and 4.49% for a used one. Rates checked October 16, 2026.
How RBFCU’s auto loan rates compare
Compared with banks and credit unions near San Antonio, TX, where RBFCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
RBFCU
4.49%APR
- Terms
- 49–60 months
- Up to
- 18.00% APR
Auto/Truck Loan
Lowest rate
PenFed Credit Union
3.84%APR
- Terms
- up to 60 months
- Up to
- —
2nd-lowest rate
Baptist Credit Union
4.24%APR
- Terms
- —
- Up to
- —
RBFCU auto loan score
89
Auto loan score
Higher than 89% of U.S. banks and credit unions
- New vehicleNew4.49%
- Used vehicleUsed4.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where RBFCU 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/Truck Loan
Membership eligibility required. Subject to credit approval. Other rates and terms may be available. The specific rate and term will be dependent upon your credit rating, collateral value, amount financed and other factors. Applicable to new, used, and refinance auto/truck loans.
| Terms | APR | Conditions |
|---|---|---|
| 24–36 months | 4.49%–18.00% | Payment per $1,000 is $29.74 - $49.92. |
| 37–48 months | 4.49%–18.00% | Payment per $1,000 is $22.80 - $35.41. |
| 49–60 months | 4.49%–18.00% | Payment per $1,000 is $18.64 - $28.96. |
| 61–66 months | 4.75%–18.00% | Payment per $1,000 is $17.25 - $25.14. |
| 67–72 months | 4.75%–18.00% | Payment per $1,000 is $15.99 - $23.76. |
| 73–78 months | 6.00%–18.00% | Payment per $1,000 is $15.51 - $22.63. |
| 79–84 months | 6.00%–18.00% | Payment per $1,000 is $14.61 - $21.69. |
Motorcycle Loan
Motorcycle financing from RBFCU. For 73-84 month terms, available for well-qualified buyers. Specific rate and term dependent on credit rating, collateral value, amount financed and other factors.
| Terms | APR | Conditions |
|---|---|---|
| 24–36 months | 5.95%–18.00% | Payment per $1,000 is $30.40 - $49.92. |
| 37–48 months | 5.95%–18.00% | Payment per $1,000 is $23.46 - $35.41. |
| 49–60 months | 5.95%–18.00% | Payment per $1,000 is $19.31 - $28.96. |
| 61–66 months | 6.75%–18.00% | Payment per $1,000 is $18.18 - $25.14. |
| 67–72 months | 6.75%–18.00% | Payment per $1,000 is $16.93 - $23.76. |
| 73–78 months | 6.75% | For well-qualified buyers. Payment per $1,000 is $15.87 - $16.74. |
| 79–84 months | 6.75% | For well-qualified buyers. Payment per $1,000 is $14.97 - $15.71. |
VehicleVantage Auto Loan
For new and pre-owned vehicles up to 5 years old. Terms up to 72 months. Annual mileage options of 7,500, 10,000, 12,000, 15,000, and 18,000. Features Guaranteed Future Value (GFV) final payment and Walk Away option. Excess mileage fee of $0.10/mile and disposition fee of $195 apply if Walk Away option is exercised at maturity. No security deposit, acquisition fees, or early payoff penalty.
| Terms | APR | Conditions |
|---|---|---|
| 24–36 months | 6.49%–18.00% | Payment per $1,000 is $30.64 - $49.92. |
| 37–48 months | 6.49%–18.00% | Payment per $1,000 is $23.71 - $35.41. |
| 49–60 months | 6.49%–18.00% | Payment per $1,000 is $19.56 - $28.96. |
| 61–72 months | 6.75%–18.00% | Payment per $1,000 is $16.93 - $25.14. |
Who can join RBFCU
This may be incomplete or out of date, so check with the credit union before you apply.
Family and household
- Immediate family members or household members of an existing member qualify for membership.
Other ways
- Membership is open to individuals through more than 5,000 qualifying options based on where they live, work, worship, or attend school.
Cost to join
- Members are required to open a primary savings account with a minimum deposit of $1, which must remain in the account at all times.
Membership information collected October 5, 2026.