Credit union · NCUA insured
Red River Credit Union Auto Loan Rates
Top CarrotRed River Credit Union auto loans start at 5.60% APR for a new vehicle and 6.15% for a used one. Rates checked October 16, 2026.
How Red River Credit Union’s auto loan rates compare
Compared with banks and credit unions near Texarkana, TX-AR, where Red River Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Red River Credit Union
5.60%APR
- Terms
- up to 60 months
New Auto Loans
Lowest rate
Morris Sheppard Texarkana FCU
4.50%APR
- Terms
- up to 72 months
3rd-lowest rate
Capital One
5.77%APR
- Terms
- up to 72 months
Red River Credit Union auto loan score
67
Auto loan score
Higher than 19% of U.S. banks and credit unions
- New vehicleNew5.60%
- Used vehicleUsed6.15%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Red River 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 Auto Loans
With approved credit. Rate and term based on credit score and year model. Terms may be extended based on year model. Purchase or refinance from other institution $20,000 minimum for extended terms.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.90% | NEW! 2026; with approved credit |
| up to 60 months | 5.60% | NEW! 2026; with approved credit |
| up to 72 months | 5.80% | NEW! 2026; $20k+; with approved credit |
| up to 84 months | 5.95% | NEW! 2026; $40k+; with approved credit |
| up to 48 months | 4.90% | 2025; with approved credit |
Repo Car Loans
All vehicles sold in "as is" condition. There are no written or implied warranties or guarantees outside of any applicable manufacturers warranties. With approved credit. Extended terms are available. Same rate regardless of credit score or year model.
| Terms | APR | Conditions |
|---|---|---|
| — | 6.75% | All Year Models; with approved credit; extended terms available |
Used Auto Loans
With approved credit. Rate and term based on credit score and year model. Terms may be extended based on year model. Purchase or refinance from other institution $20,000 minimum for extended terms.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 6.15% | 2024; with approved credit |
| up to 72 months | 6.45% | 2024; $20k+; with approved credit |
| up to 60 months | 6.15% | 2023; with approved credit |
| up to 48 months | 6.80% | 2021; with approved credit |
| up to 60 months | 7.05% | 2021; $20k+; with approved credit |
| up to 36 months | 7.30% | 2020 or Older; with approved credit |
| up to 48 months | 7.55% | 2020 or Older; $20k+; with approved credit |
Who can join Red River Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.