Credit union · NCUA insured
Southwest Heritage Credit Union Auto Loan Rates
Southwest Heritage Credit Union auto loans start at 4.99% APR for a new vehicle and 4.99% for a used one. Rates checked October 16, 2026.
How Southwest Heritage Credit Union’s auto loan rates compare
Compared with banks and credit unions near Odessa, TX, where Southwest Heritage Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Southwest Heritage Credit Union
4.99%APR
- Terms
- —
- Up to
- 18.00% APR
New & Used Autos
Lowest rate
Complex Community Federal Credit Union
4.70%APR
- Terms
- —
- Up to
- —
2nd-lowest rate
West Texas CU
4.74%APR
- Terms
- up to 72 months
- Up to
- —
Southwest Heritage Credit Union auto loan score
83
Auto loan score
Higher than 62% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed4.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Southwest Heritage 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 Autos
Ask your loan officer about rate specials and discounts. Membership required.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.99%–18.00% | Ask your loan officer about rate specials and discounts |
Sources (3)
All captured Oct 7, 2026
Who can join Southwest Heritage 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This may be incomplete or out of date, so check with the credit union before you apply.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 who live, work, or worship in Ector, Midland, Andrews, Crane, Ward, or Winkler Counties qualify for membership.
Family and household
- Immediate family members of current Southwest Heritage Credit Union members are eligible for membership.
Cost to join
- A minimum $25.00 deposit in a regular share account is required to maintain membership.
Membership information collected October 5, 2026.