Credit union · NCUA insured
Scott and White Employees CU Auto Loan Rates
Scott and White Employees CU auto loans start at 4.35% APR for a new vehicle and 4.35% for a used one. Rates checked October 16, 2026.
How Scott and White Employees CU’s auto loan rates compare
Compared with banks and credit unions near Killeen, TX, where Scott and White Employees CU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Scott and White Employees CU
4.35%APR
- Terms
- up to 60 months
- Discount
- None included
Secured Auto Sales
Lowest rate
PenFed Credit Union
3.84%APR
- Terms
- up to 60 months
- Discount
- None included
2nd-lowest rate
Texell Credit Union
4.24%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Scott and White Employees CU auto loan score
91
Auto loan score
Higher than 93% of U.S. banks and credit unions
- New vehicleNew4.35%
- Used vehicleUsed4.35%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Scott and White Employees 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.
Secured Auto Sales
Rate based on creditworthiness and term of loan. Vehicles older than 2014 and vehicles with mileage exceeding 75,000 may increase rate. Up to 125% financing available for new and used cars, trucks, vans, and SUVs.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.99% | Rates as low as 3.99% APR for 36 months term. Rate based on creditworthiness. Vehicles older than 2014 and vehicles with mileage exceeding 75,000 may increase rate. |
| up to 60 months | 4.35% | Rates as low as 4.35% APR for 60 months term. Rate based on creditworthiness. Vehicles older than 2014 and vehicles with mileage exceeding 75,000 may increase rate. |
| up to 72 months | 4.83% | Rates as low as 4.83% APR for 72 months term. Rate based on creditworthiness. Vehicles older than 2014 and vehicles with mileage exceeding 75,000 may increase rate. |
| up to 84 months | 5.50% | Rates as low as 5.50% APR for 84 months term. Rate based on creditworthiness. Vehicles older than 2014 and vehicles with mileage exceeding 75,000 may increase rate. |
Who can join Scott and White Employees CU
This may be incomplete or out of date, so check with the credit union before you apply.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, works, attends school, or owns a business in Bell County.
Employers and groups
- Membership is open to all employees of Baylor Scott and White and its affiliates.
Family and household
- Membership is open to immediate family members of current members.
Cost to join
- All new memberships require opening a Regular Savings Account with a minimum deposit of $25.00 that must remain to maintain membership and ownership.
Membership information collected October 5, 2026.