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Credit union · NCUA insured

Service 1st Credit Union Auto Loan Rates

Top Carrot, Carrot Score 96Top Carrot

Service 1st Credit Union auto loans start at 4.00% APR for a new vehicle and 5.25% for a used one. Rates checked October 23, 2026.

How Service 1st Credit Union’s auto loan rates compare

Compared with banks and credit unions near Dallas, TX, where Service 1st Credit Union has the most branches. New vehicle, lowest advertised APR first.

  • Top Carrot, Carrot Score 96

    This credit union’s lowest

    Service 1st Credit Union

    4.00%APR

    Terms
    up to 94 months
    Up to
    12.00% APR

    Auto Loans

  • Top Carrot, Carrot Score 95

    Lowest rate

    PenFed Credit Union

    3.84%APR

    Terms
    up to 60 months
    Up to
    —

    PenFed Credit Union rates

  • Top Carrot, Carrot Score 89

    2nd-lowest rate

    Southwest Airlines Federal Credit Union

    3.94%APR

    Terms
    —
    Up to
    —

    Southwest Airlines Federal Credit Union rates

Compare auto loan rates near you →

Service 1st Credit Union auto loan score

89

Auto loan score

Higher than 86% of U.S. banks and credit unions

By vehicle
  • New vehicleNew4.00%
  • Used vehicleUsed5.25%

Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.

How the score works →

Where Service 1st 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.

Who can join Service 1st Credit Union

We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.

Visit institution website ↗Branches and institution details
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