Credit union · NCUA insured
Southern Star CU Auto Loan Rates
Southern Star CU auto loans start at 4.50% APR for a new vehicle and 4.75% for a used one. Rates checked October 16, 2026.
How Southern Star CU’s auto loan rates compare
Compared with banks and credit unions near Houston, TX, where Southern Star CU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Southern Star CU
4.50%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- None included
New Auto Loans
Lowest rate
Lubrizol Employees' Credit Union
3.24%APR
- Terms
- 24–60 months
- Up to
- 14.49% APR
- Discount
- Included in the rate
2nd-lowest rate
CommonCents CU
3.50%APR
- Terms
- —
- Up to
- —
- Discount
- None included
Southern Star CU auto loan score
87
Auto loan score
Higher than 79% of U.S. banks and credit unions
- New vehicleNew4.50%
- Used vehicleUsed4.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Southern Star 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 Auto Loans
Financing is based on Manufacturers Suggested Retail Price (MSRP) or NADA Retail Value - may include tax, title and license fees, plus the additional cost of GAP Insurance and extended warranty.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.00% | — |
| up to 48 months | 4.25% | — |
| up to 60 months | 4.50% | — |
| up to 72 months | 4.75% | $25,000.00 or more |
| up to 84 months | 5.00% | $30,000.00 or more |
New Motorcycles
Financing is based on Manufacturers Suggested Retail Price (MSRP) or NADA Retail Value - may include tax, title and license fees.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.25% | — |
| up to 48 months | 5.50% | — |
| up to 60 months | 5.75% | — |
| up to 72 months | 6.00% | $25,000.00 or more |
Used Auto Loans
Used Autos: 2015 or older - 1% more than Used Auto Rates. Financing is based on Manufacturers Suggested Retail Price (MSRP) or NADA Retail Value - may include tax, title and license fees, plus the additional cost of GAP Insurance and extended warranty.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.25% | — |
| up to 48 months | 4.50% | — |
| up to 60 months | 4.75% | — |
| up to 72 months | 5.00% | $25,000.00 or more |
| up to 84 months | 5.25% | $30,000.00 or more |
Used Motorcycles (2014 or newer)
Engine = 1000cc or greater. Financing is based on Manufacturers Suggested Retail Price (MSRP) or NADA Retail Value - may include tax, title and license fees.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.50% | — |
| up to 48 months | 5.75% | — |
| up to 60 months | 6.00% | — |
| up to 72 months | 6.25% | $25,000.00 or more |
Who can join Southern Star CU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, work, worship, or attend school within a 10-mile radius of the credit union office at 16035 W Little York Rd, Houston, TX 77084 are eligible for membership.
Employers and groups
- Employees and affiliated persons of Baker Hughes, Inc. A Division of GE are eligible for membership.
- Employees and affiliated persons of Dresser / Halliburton merged company, its subsidiaries, joint venture companies, and successors thereof are eligible for membership.
- Employees and affiliated persons of Dresser Natural Gas Solutions are eligible for membership.
- Employees and affiliated persons of M-I LLC. / Smith International Inc. are eligible for membership.
Family and household
- Family members of all credit union members are eligible for membership.
Membership information collected October 5, 2026.