Credit union · NCUA insured
STRFCU Auto Loan Rates
STRFCU auto loans start at 4.90% APR for a new vehicle and 5.50% for a used one. Rates checked October 16, 2026.
How STRFCU’s auto loan rates compare
Compared with banks and credit unions near Laredo, TX, where STRFCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
STRFCU
4.90%APR
- Terms
- 72–84 months
- Up to
- 14.01% APR
- Discount
- None included
New Vehicles
2nd-lowest rate
Laredo Federal Credit Union
4.99%APR
- Terms
- up to 75 months
- Up to
- 12.00% APR
- Discount
- None included
3rd-lowest rate
PNC
5.34%APR
- Terms
- —
- Up to
- 20.69% APR
- Discount
- Included in the rate
STRFCU auto loan score
81
Auto loan score
Higher than 57% of U.S. banks and credit unions
- New vehicleNew4.90%
- Used vehicleUsed5.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where STRFCU 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 Vehicles
Borrower must secure the loan by assigning the Credit Union as 1st lien holder on the title of the vehicle being financed. Borrower is required to carry full insurance coverage with Loss Payable in favor of the Credit Union.
| Terms | APR | Conditions |
|---|---|---|
| 72–84 months | 4.90%–14.01% | Purchase of a new 2025 or 2026 Vehicle – 100% Financing. |
Used Vehicles
Borrower must secure the loan by assigning the Credit Union as 1st lien holder on the title of the vehicle being financed. Borrower is required to carry full insurance coverage with Loss Payable in favor of the Credit Union. Used Cars – NADA Loan Value Book Only.
| Terms | APR | Conditions |
|---|---|---|
| 24–60 months | 5.50%–16.26% | 7 years old. Used Cars – NADA Loan Value Book Only. |
Who can join STRFCU
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.