Credit union · NCUA insured
Rio Grande Valley Credit Union Auto Loan Rates
Top CarrotRio Grande Valley Credit Union auto loans start at 4.95% APR for a new vehicle and 4.95% for a used one. Rates checked October 16, 2026.
How Rio Grande Valley Credit Union’s auto loan rates compare
Compared with banks and credit unions near Brownsville, TX, where Rio Grande Valley Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Rio Grande Valley Credit Union
4.95%APR
- Terms
- up to 72 months
- Up to
- 17.99% APR
Auto Loan
Lowest rate
Valley Federal Credit Union
2.95%APR
- Terms
- up to 72 months
- Up to
- —
2nd-lowest rate
NAFT Federal Credit Union
3.49%APR
- Terms
- up to 84 months
- Up to
- —
Rio Grande Valley Credit Union auto loan score
86
Auto loan score
Higher than 72% of U.S. banks and credit unions
- New vehicleNew4.95%
- Used vehicleUsed4.95%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Rio Grande Valley 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
Rate based on creditworthiness and term of loan. Must establish/qualify for membership with RGV Credit Union ($25.00 minimum deposit plus $5.00 processing fee) to fund the loan. Ask how you can receive .25% off any regular loan rate.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 4.95%–17.99% | Rates shown are the lowest available. Rate based on creditworthiness and term of loan. |
| 73–84 months | 5.95%–17.99% | Rates shown are the lowest available. Rate based on creditworthiness and term of loan. |
Auto Refinance
Rate based on creditworthiness and term of loan. Must establish/qualify for membership with RGV Credit Union ($25.00 minimum deposit plus $5.00 processing fee) to fund the loan. Ask how you can receive .25% off any regular loan rate.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 4.95%–17.99% | Rates shown are the lowest available. Rate based on creditworthiness and term of loan. |
| 73–84 months | 5.95%–17.99% | Rates shown are the lowest available. Rate based on creditworthiness and term of loan. |
Classic Vehicles
Requires 20% down. Rate based on creditworthiness and term of loan. Must establish/qualify for membership with RGV Credit Union ($25.00 minimum deposit plus $5.00 processing fee) to fund the loan. Ask how you can receive .25% off any regular loan rate.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.49%–17.99% | Require 20% Down. Rates shown are the lowest available. Rate based on creditworthiness and term of loan. |
Who can join Rio Grande Valley Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Any person who lives, works, attends school or worships within a 10-mile radius of any credit union branch office in Harlingen, San Benito, or Rio Hondo is eligible for membership.
- Any person who lives, works, attends school or worships in Willacy County is eligible for membership.
Cost to join
- A minimum deposit of $25.00 in a savings account is required to establish and maintain membership.
- A one-time processing fee of $5.00 is required to become a member.
Membership information collected October 5, 2026.