Credit union · NCUA insured
Roswell CU Auto Loan Rates
Roswell CU auto loans start at 5.59% for a used one. Rates checked October 22, 2026.
How Roswell CU’s auto loan rates compare
Compared with banks and credit unions near Dallas, TX, where Roswell CU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Roswell CU
– –
- Terms
- —
No ongoing APR published
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
- —
Roswell CU auto loan score
69
Auto loan score
Higher than 25% of U.S. banks and credit unions
- Used vehicleUsed5.59%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Roswell CU 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 VEHICLES 2025-2026 NEVER TITLED
Rate based on creditworthiness and term of loan. Maximum Debt Ratio: 45% (A+/A), 42% (B), 40% (C), 38% (D/E). Maximum LTV: 125% (A+), 120% (A), 110% (B), 100% (C), 90% (D), 85% (E). All vehicles over 100,000 miles add 2.00% (up to 60 months, maximum 125,000 miles).
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.19%–15.49% | Tier A+: 5.19%, Tier A: 5.59%, Tier B: 6.59%, Tier C: 8.39%, Tier D: 10.99%, Tier E: 15.49%. |
| 37–48 months | 5.39%–15.99% | Tier A+: 5.39%, Tier A: 5.79%, Tier B: 6.69%, Tier C: 8.59%, Tier D: 11.19%, Tier E: 15.99%. |
| 49–66 months | 5.59%–16.49% | Tier A+: 5.59%, Tier A: 5.99%, Tier B: 6.89%, Tier C: 8.79%, Tier D: 11.39%, Tier E: 16.49%. |
| 67–75 months | 5.79%–16.99% | Tier A+: 5.79%, Tier A: 6.29%, Tier B: 7.09%, Tier C: 8.99%, Tier D: 11.59%, Tier E: 16.99%. Terms of 72-75 Months require a minimum financed amount of $20,000. |
| 76–84 months | 5.99%–11.79% | Tier A+: 5.99%, Tier A: 6.49%, Tier B: 7.29%, Tier C: 9.19%, Tier D: 11.79%. Terms of 76-84 Months require a minimum financed amount of $25,000. |
Sources (1)
- roswellcu.org/rates · captured Oct 7, 2026
Used Vehicles 2023-2025
Same rates and terms as New Vehicles (up to 84 months). Rate based on creditworthiness and term of loan. Maximum Debt Ratio: 45% (A+/A), 42% (B), 40% (C), 38% (D/E). Maximum LTV: 125% (A+), 120% (A), 110% (B), 100% (C), 90% (D), 85% (E). All vehicles over 100,000 miles add 2.00% (up to 60 months, maximum 125,000 miles).
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.19%–15.49% | Tier A+: 5.19%, Tier A: 5.59%, Tier B: 6.59%, Tier C: 8.39%, Tier D: 10.99%, Tier E: 15.49%. |
| 37–48 months | 5.39%–15.99% | Tier A+: 5.39%, Tier A: 5.79%, Tier B: 6.69%, Tier C: 8.59%, Tier D: 11.19%, Tier E: 15.99%. |
| 49–66 months | 5.59%–16.49% | Tier A+: 5.59%, Tier A: 5.99%, Tier B: 6.89%, Tier C: 8.79%, Tier D: 11.39%, Tier E: 16.49%. |
| 67–75 months | 5.79%–16.99% | Tier A+: 5.79%, Tier A: 6.29%, Tier B: 7.09%, Tier C: 8.99%, Tier D: 11.59%, Tier E: 16.99%. Terms of 72-75 Months require a minimum financed amount of $20,000. |
| 76–84 months | 5.99%–11.79% | Tier A+: 5.99%, Tier A: 6.49%, Tier B: 7.29%, Tier C: 9.19%, Tier D: 11.79%. Terms of 76-84 Months require a minimum financed amount of $25,000. |
Sources (1)
- roswellcu.org/rates · captured Oct 7, 2026
Who can join Roswell CU
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