Credit union · NCUA insured
Resource One Credit Union Auto Loan Rates
Resource One Credit Union auto loans start at 4.99% APR for a new vehicle and 4.99% for a used one. Rates checked October 16, 2026.
How Resource One Credit Union’s auto loan rates compare
Compared with banks and credit unions near Dallas, TX, where Resource One Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Resource One Credit Union
4.99%APR
- Terms
- 49–60 months
New and Used Auto Loans
Lowest rate
PenFed Credit Union
3.84%APR
- Terms
- up to 60 months
2nd-lowest rate
Southwest Airlines Federal Credit Union
3.94%APR
- Terms
- —
Resource One Credit Union auto loan score
83
Auto loan score
Higher than 62% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed4.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Resource One 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 Loan Refinance
Existing Resource One Credit Union auto loans are not eligible for refinance. Must meet membership eligibility. Rates, terms, and conditions subject to change and vary based on creditworthiness, qualifications, and collateral conditions.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.89% | Rates as low as based on creditworthiness, qualifications, and collateral conditions. |
| 37–48 months | 4.94% | Rates as low as based on creditworthiness, qualifications, and collateral conditions. |
| 49–60 months | 4.99% | Rates as low as based on creditworthiness, qualifications, and collateral conditions. |
| 61–72 months | 5.09% | Rates as low as based on creditworthiness, qualifications, and collateral conditions. |
| 73–78 months | 5.29% | Rates as low as based on creditworthiness, qualifications, and collateral conditions. |
| 79–84 months | 5.89% | Rates as low as based on creditworthiness, qualifications, and collateral conditions. |
Sources (3)
All captured Oct 16, 2026
New and Used Auto Loans
Must live or work in Mesquite, Garland, Irving, Cedar Hill, or Dallas County, Texas to be eligible for membership. Rates, terms, and conditions subject to change and vary based on creditworthiness, qualifications, and collateral conditions. 100% financing available. Discounts available for new vehicles (<5,000 miles/never titled) and LTV < 80%. Existing Resource One auto loans are not eligible.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.89% | Rates as low as based on creditworthiness, qualifications, and collateral conditions. |
| 37–48 months | 4.94% | Rates as low as based on creditworthiness, qualifications, and collateral conditions. |
| 49–60 months | 4.99% | Rates as low as based on creditworthiness, qualifications, and collateral conditions. |
| 61–72 months | 5.09% | Rates as low as based on creditworthiness, qualifications, and collateral conditions. |
| 73–78 months | 5.29% | Rates as low as based on creditworthiness, qualifications, and collateral conditions. |
| 79–84 months | 5.89% | Rates as low as based on creditworthiness, qualifications, and collateral conditions. |
Sources (3)
All captured Oct 16, 2026
Who can join Resource One 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 anyone who resides or is employed in Dallas County.
Employers and groups
- Membership is open to employees and associate members of select companies and organizations (Select Employee Groups / SEGs).
Family and household
- Membership is open to individuals who have a family member who is a current member of Resource One Credit Union.
Cost to join
- An initial membership (share) deposit of $25 is required to open a personal savings account and establish membership.
Membership information collected October 5, 2026.