Credit union · NCUA insured
Rocket Federal Credit Union Auto Loan Rates
Rocket Federal Credit Union auto loans start at 4.99% APR for a new vehicle and 5.75% for a used one. Rates checked October 16, 2026.
How Rocket Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Waco, TX, where Rocket Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Rocket Federal Credit Union
4.99%APR
- Terms
- up to 72 months
- Discount
- None included
New Auto
Lowest rate
Texell Credit Union
4.24%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
2nd-lowest rate
Heart O' Texas Federal Credit Union
4.55%APR
- Terms
- —
- Discount
- None included
Rocket Federal Credit Union auto loan score
78
Auto loan score
Higher than 48% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed5.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Rocket Federal 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
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 4.99% | — |
Sources (1)
- rocketfcu.com/rates · captured Oct 7, 2026
Used Auto
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.75% | — |
Sources (1)
- rocketfcu.com/rates · captured Oct 7, 2026
Who can join Rocket Federal 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This may be incomplete or out of date, so check with the credit union before you apply.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 available to all those who live, work, and worship in McGregor to McLennan, Bosque, Hamilton and Coryell counties.
Family and household
- Membership is available to the families of those eligible through living, working, or worshipping in the service area.
Membership information collected October 5, 2026.