Credit union · NCUA insured
Southland Federal Credit Union Auto Loan Rates
Southland Federal Credit Union auto loans start at 5.25% APR for a new vehicle and 5.25% for a used one. Rates checked October 16, 2026.
How Southland Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Lufkin, TX, where Southland Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Southland Federal Credit Union
5.25%APR
- Terms
- 60–71 months
- Up to
- 17.50% APR
New & Used Collateral
Lowest rate
Temple-Inland Federal Credit Union
4.00%APR
- Terms
- 36–60 months
- Up to
- —
2nd-lowest rate
East Texas Professional Credit Union
4.74%APR
- Terms
- up to 66 months
- Up to
- —
Southland Federal Credit Union auto loan score
77
Auto loan score
Higher than 44% of U.S. banks and credit unions
- New vehicleNew5.25%
- 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.
Where Southland Federal 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.
New & Used Collateral
Collateral loans include: auto, boat, RV, watercraft, motorcycle, travel-trailer, farm equipment and 4-wheeler type of collateral. All rates listed above are subject to the maximum discount of 0.75% based on our "it pays to be a member" program. This matrix is used whenever the member does NOT qualify for any "special promotional" rate the board has approved.
| Terms | APR | Conditions |
|---|---|---|
| 1–47 months | 5.25%–17.50% | Tier 1 (>700) to Tier 7 (<499). Rates subject to maximum 0.75% discount based on 'it pays to be a member' program. |
| 48–59 months | 5.25%–17.50% | Tier 1 (>700) to Tier 7 (<499). Rates subject to maximum 0.75% discount based on 'it pays to be a member' program. |
| 60–71 months | 5.25%–17.50% | Tier 1 (>700) to Tier 7 (<499). Rates subject to maximum 0.75% discount based on 'it pays to be a member' program. |
| 72–83 months | 6.75%–14.00% | Tier 1 (>700) to Tier 4 (600 - 639). Rates subject to maximum 0.75% discount based on 'it pays to be a member' program. |
| 84–96 months | 7.75%–9.25% | Tier 1 (>700) to Tier 2 (670 - 699). Rates subject to maximum 0.75% discount based on 'it pays to be a member' program. |
Sources (1)
- southlandfcu.com/rates/loan-rates · captured Oct 6, 2026
Who can join Southland Federal Credit Union
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 lives, works, or worships in Angelina, Houston, or Trinity Counties.
Membership information collected October 5, 2026.