Credit union · NCUA insured
Star of Texas Credit Union Auto Loan Rates
Star of Texas Credit Union auto loans start at 4.50% APR for a new vehicle and 5.99% for a used one. Rates checked October 16, 2026.
How Star of Texas Credit Union’s auto loan rates compare
Compared with banks and credit unions near Austin, TX, where Star of Texas Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Star of Texas Credit Union
4.50%APR
- Terms
- —
- Discount
- None included
New Auto Loan
Lowest rate
Texell Credit Union
4.24%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
2nd-lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
- Discount
- None included
Star of Texas Credit Union auto loan score
85
Auto loan score
Higher than 69% of U.S. banks and credit unions
- New vehicleNew4.50%
- Used vehicleUsed5.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Star of Texas 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.
First-Time Car Buyer Program
Must be a current SOTCU member and meet eligibility requirements. Must be a first-time car buyer with no prior auto loans. Loan amounts up to $25,000, terms up to 72 months, 10% down payment required. Vehicles must be under 7 years old and under 100,000 miles. Co-signer required if credit score is below 660.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 5.99% | Subject to credit approval. Loan amounts up to $25,000. Terms up to 72 months. 10% down payment required. Must be a first-time car buyer with no prior auto loans. Vehicles must be under 7 years old and under 100,000 miles. Co-signer required if credit score is below 660. Advertised rate based on credit score, term, and any discount applied. |
New Auto Loan
Membership eligibility required (live, work, worship, or go to school in Travis County, work for Texas Workforce Commission, or family member of a member). Eligible for 2024-2026/2026-2027 models with under 10,000 miles; dealer purchase with invoice or buyer order required. Subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.50% | Subject to credit approval. 2024-2026 models, less than 10,000 miles, dealer purchase with invoice or buyer order required. Advertised rate based on credit score, term, and any discount applied. |
Used & Refinanced Loans
Membership eligibility required. Subject to credit approval. No prepayment penalties.
| Terms | APR | Conditions |
|---|---|---|
| — | 5.24% | Subject to credit approval. Advertised rate based on credit score, term, and any discount applied. |
Who can join Star of Texas Credit Union
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 Travis County are eligible for membership.
Military, government and schools
- Employees of the Texas Workforce Commission are eligible for membership.
Family and household
- Individuals who have a family member with an account at Star of Texas Credit Union are eligible for membership.
Cost to join
- Membership requires opening a Savings Account with a minimum balance of $10.
Membership information collected October 5, 2026.