Credit union · NCUA insured
Southwest Financial Federal Credit Union Auto Loan Rates
Top CarrotSouthwest Financial Federal Credit Union auto loans start at 4.39% APR for a new vehicle and 4.39% for a used one. Rates checked October 16, 2026.
How Southwest Financial Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Dallas, TX, where Southwest Financial Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Southwest Financial Federal Credit Union
4.39%APR
- Terms
- up to 72 months
New Auto
Lowest rate
PenFed Credit Union
3.84%APR
- Terms
- up to 60 months
2nd-lowest rate
Southwest Airlines Federal Credit Union
3.94%APR
- Terms
- —
Southwest Financial Federal Credit Union auto loan score
91
Auto loan score
Higher than 92% of U.S. banks and credit unions
- New vehicleNew4.39%
- Used vehicleUsed4.39%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Southwest Financial 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.
Motorcycle
Rate buydowns available under Auto Loan Rate Buydowns: Auto Pay (.10%), Checking Account (.15%), GAP (.10%), Extended Warranty (.25%), Life Protection (.10%), Loss of Life Plus Additional Debt Protection (.20%), Dent Guard (.10%).
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 4.39% | As low as 4.39% APR. Rate based on creditworthiness and term of loan. |
Sources (1)
- swfinancial.org/rates · captured Oct 16, 2026
New Auto
Rate buydowns available: Auto Pay (.10%), Checking Account (.15%), GAP (.10%), Extended Warranty (.25%), Life Protection (.10%), Loss of Life Plus Additional Debt Protection (.20%), Dent Guard (.10%). Lower rate up to 1% APR and extend term by 6 months with optional protection products.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 4.39% | As low as 4.39% APR. Rate based on creditworthiness and term of loan. |
Refinanced Auto
Rate buydowns available: Auto Pay (.10%), Checking Account (.15%), GAP (.10%), Extended Warranty (.25%), Life Protection (.10%), Loss of Life Plus Additional Debt Protection (.20%), Dent Guard (.10%). Lower rate up to 1% APR and extend term by 6 months with optional protection products.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 4.39% | As low as 4.39% APR. Rate based on creditworthiness and term of loan. |
Used Auto
Rate buydowns available: Auto Pay (.10%), Checking Account (.15%), GAP (.10%), Extended Warranty (.25%), Life Protection (.10%), Loss of Life Plus Additional Debt Protection (.20%), Dent Guard (.10%). Lower rate up to 1% APR and extend term by 6 months with optional protection products.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 4.39% | As low as 4.39% APR. Rate based on creditworthiness and term of loan. |
Who can join Southwest Financial Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is open to employees of an affiliated company.
Family and household
- Membership is open to immediate family members of an employee of an affiliated company or of a current member.
Cost to join
- Opening a savings account requires a $25 deposit.
Membership information collected October 5, 2026.