Credit union · NCUA insured
Soarion Credit Union Auto Loan Rates
Soarion Credit Union auto loans start at 5.89% APR for a new vehicle and 5.89% for a used one. Rates checked October 16, 2026.
How Soarion Credit Union’s auto loan rates compare
Compared with banks and credit unions near San Antonio, TX, where Soarion Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Soarion Credit Union
5.89%APR
- Terms
- up to 60 months
Auto Loans
Lowest rate
PenFed Credit Union
3.84%APR
- Terms
- up to 60 months
2nd-lowest rate
Baptist Credit Union
4.24%APR
- Terms
- —
Soarion Credit Union auto loan score
68
Auto loan score
Higher than 21% of U.S. banks and credit unions
- New vehicleNew5.89%
- Used vehicleUsed5.89%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Soarion 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 Loans
Available for new, used, or refinance for cars, trucks, or SUVs. Membership eligibility and credit approval required. APR based on evaluation of applicant's credit; not all applicants qualify for lowest rate. Option for no payment for up to 90 days with interest accruing immediately upon funding.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.89% | APR as low as based on creditworthiness. Applies to new, used, or refinance. |
| up to 72 months | 6.09% | APR as low as based on creditworthiness. Applies to new, used, or refinance. |
| up to 84 months | 6.29% | APR as low as based on creditworthiness. Applies to new, used, or refinance. |
Sources (2)
All captured Oct 16, 2026
Motorcycle & ATV Loan Rates: New
New Motorcycle & ATV loans. Membership eligibility and credit approval required. APR based on evaluation of applicant's credit; not all applicants qualify for lowest rate. Payment example: $15,000 for 60 months at 8.00% APR has estimated monthly payment of $304.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 7.00% | APR as low as based on evaluation of applicant's credit. |
| 37–48 months | 7.50% | APR as low as based on evaluation of applicant's credit. |
| 49–60 months | 8.00% | APR as low as based on evaluation of applicant's credit. |
Sources (1)
- soarion.org/more/rates · captured Oct 16, 2026
Motorcycle & ATV Loan Rates: Used
Used Motorcycle & ATV loans. Membership eligibility and credit approval required. APR based on evaluation of applicant's credit; not all applicants qualify for lowest rate. Model year tiers: Current + 3 years and 4 to 8 years. Payment example: $15,000 for 60 months at 8.00% APR has estimated monthly payment of $304.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 7.00% | Model Year: Current + 3 years. APR as low as based on evaluation of applicant's credit. |
| 37–48 months | 7.50% | Model Year: Current + 3 years. APR as low as based on evaluation of applicant's credit. |
| 49–60 months | 8.00% | Model Year: Current + 3 years. APR as low as based on evaluation of applicant's credit. |
| up to 24 months | 7.50% | Model Year: 4 to 8 years. APR as low as based on evaluation of applicant's credit. |
| 25–36 months | 8.00% | Model Year: 4 to 8 years. APR as low as based on evaluation of applicant's credit. |
| 37–48 months | 8.50% | Model Year: 4 to 8 years. APR as low as based on evaluation of applicant's credit. |
Sources (1)
- soarion.org/more/rates · captured Oct 16, 2026
Who can join Soarion Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals qualify for membership if they live, work (or regularly conduct business in), worship, attend school, or have a business or other legal entity located in Del Rio, Texas, and surrounding counties.
- Individuals qualify for membership if they live, work (or regularly conduct business in), worship, attend school, or have a business or other legal entity located within qualified areas of San Antonio / Bexar County, Texas.
Employers and groups
- Individuals qualify for membership by joining the Airman Heritage Foundation.
Military, government and schools
- Active duty members, reservists, veterans, retirees, or dependents of a member of the U.S. Armed Forces or National Guard residing or working in Texas, Oklahoma, Arkansas, Louisiana, or Mississippi qualify for membership.
Family and household
- Individuals who are family members or reside in the household of a person who qualifies for membership are eligible to join.
Membership information collected October 5, 2026.