Credit union · NCUA insured
TAP FCU Auto Loan Rates
TAP FCU auto loans start at 6.25% APR for a new vehicle and 6.25% for a used one. Rates checked October 16, 2026.
How TAP FCU’s auto loan rates compare
Compared with banks and credit unions near San Antonio, TX, where TAP FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
TAP FCU
6.25%APR
- Terms
- up to 60 months
New Car and Truck
Lowest rate
PenFed Credit Union
3.84%APR
- Terms
- up to 60 months
2nd-lowest rate
Baptist Credit Union
4.24%APR
- Terms
- —
TAP FCU auto loan score
64
Auto loan score
Higher than 12% of U.S. banks and credit unions
- New vehicleNew6.25%
- Used vehicleUsed6.25%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where TAP FCU 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 Car and Truck
Loans are subject to credit approval. The specific rate and term depend upon credit rating, collateral value, amount financed, and other factors. Maximum APR is 18.00%. Ask about relationship discounts.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 6.00% | — |
| up to 60 months | 6.25% | — |
| up to 72 months | 6.50% | Minimum loan amount $25,000. |
Sources (1)
- tapfcu.coop/rates.php · captured Oct 16, 2026
New Motorcycles
Loans are subject to credit approval. Specific rate and term depend upon credit rating, collateral value, amount financed, and other factors. Maximum APR is 18.00%. Ask about relationship discounts.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 9.50% | — |
| up to 60 months | 9.95% | — |
Sources (1)
- tapfcu.coop/rates.php · captured Oct 16, 2026
Used Car and Truck
Maximum age of vehicle is seven years to include current year. Loans are subject to credit approval. Specific rate and term depend on credit rating, collateral value, amount financed, and other factors. Maximum APR is 18.00%. Ask about relationship discounts.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 6.00% | Maximum age of vehicle is seven years to include current year. |
| up to 60 months | 6.25% | Maximum age of vehicle is seven years to include current year. |
| up to 72 months | 6.50% | Minimum loan amount $25,000. Maximum age of vehicle is seven years to include current year. |
Sources (1)
- tapfcu.coop/rates.php · captured Oct 16, 2026
Used Motorcycles
Maximum age of cycle is five years to include current year. Loans are subject to credit approval. Specific rate and term depend upon credit rating, collateral value, amount financed, and other factors. Maximum APR is 18.00%. Ask about relationship discounts.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 11.50% | Maximum age of cycle is five years to include current year. |
| up to 60 months | 11.95% | Maximum age of cycle is five years to include current year. |
Sources (1)
- tapfcu.coop/rates.php · captured Oct 16, 2026
Who can join TAP FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is extended to employees of qualifying members.
- Membership is available to REALTORS®, Builders, Independent Insurance Agents, and all members of such organizations.
Family and household
- Membership is extended to immediate family members (grandparents, parents, husbands, wives, children, grandchildren, brothers, and sisters) of members.
Membership information collected October 5, 2026.