Credit union · NCUA insured
Southwest Airlines Federal Credit Union Auto Loan Rates
Top CarrotSouthwest Airlines Federal Credit Union auto loans start at 3.94% APR for a new vehicle. Rates checked October 9, 2026.
How Southwest Airlines Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Houston, TX, where Southwest Airlines Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Southwest Airlines Federal Credit Union
3.94%APR
- Terms
- —
- Up to
- —
- Discount
- None included
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
Southwest Airlines Federal Credit Union auto loan score
87
Auto loan score
Higher than 75% of U.S. banks and credit unions
- New vehicleNew3.94%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Southwest Airlines 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.
Auto Loans
Financing for new and used vehicles. Up to 100% financing available. Promotion valid 10/01/2026 - 12/31/2026.
| Terms | APR | Conditions |
|---|---|---|
| — | 3.94% | Offer valid 10/01/2026 - 12/31/2026. Promotion applies to new and used auto loans and auto loans refinanced by another lender only. Excludes existing SWACU loans. Used auto loans have an additional 0.25% APR. Rates vary by creditworthiness and loan term. Pmt. Ex: 36 monthly payments of $1,770 for a $60,000 loan at 3.94% APR. |
Who can join Southwest Airlines Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Eligibility through employment or membership in one of over 200 Select Employee Groups (SEGs) in the Field of Membership.
Family and household
- Eligibility for immediate family (spouses, brothers/sisters, parents, grandparents, children, and grandchildren) and household members.
Cost to join
- Maintain a Membership Savings Account open with a minimum balance of $5 to retain membership.
Membership information collected October 5, 2026.