Credit union · NCUA insured
TDECU Auto Loan Rates
TDECU auto loans start at 6.10% APR for a new vehicle and 6.10% for a used one. Rates checked October 16, 2026.
How TDECU’s auto loan rates compare
Compared with banks and credit unions near Houston, TX, where TDECU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
TDECU
6.10%APR
- Terms
- 48–84 months
- Up to
- —
- Discount
- Included in the rate
New and Pre-Owned Auto Loan
Lowest rate
Lubrizol Employees' Credit Union
3.24%APR
- Terms
- 24–60 months
- Up to
- 14.49% APR
- Discount
- Included in the rate
2nd-lowest rate
CommonCents CU
3.50%APR
- Terms
- —
- Up to
- —
- Discount
- None included
TDECU auto loan score
64
Auto loan score
Higher than 11% of U.S. banks and credit unions
- New vehicleNew6.10%
- Used vehicleUsed6.10%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where TDECU 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 and Pre-Owned Auto Loan
Competitive financing option for new and used cars, vans, SUVs, and trucks. No money down option available. Minimum auto purchase loan amount is $3,000. Not available for commercial vehicle classifications.
| Terms | APR | Conditions |
|---|---|---|
| 48–84 months | 6.10% | Lowest rate offered for a 48-month term; includes a 0.25% discount for recurring direct deposit of $500 or more per month to a TDECU savings or checking account. Rate determined by loan term and credit score. No payments for 90 days option available (requires minimum credit score of 660, LTV < 125%). |
Sources (1)
- tdecu.org/loans-and-credit-cards/auto-loans · captured Oct 16, 2026
New and Pre-Owned Motorcycle Loan
Competitive financing option for new and used motorcycles. No money down options available, and discounts for recurring direct deposits of $500 or more.
| Terms | APR | Conditions |
|---|---|---|
| 48–144 months | 6.69% | Discounts available for recurring direct deposits of $500 or more. |
Sources (1)
- tdecu.org/rates · captured Oct 6, 2026
Refinance Your Auto Loan
Refinance option for new and used cars, vans, SUVs, and trucks. No money down option available. Existing TDECU loans are ineligible for refinancing. Minimum auto refinance loan amount is $3,000. Not available for commercial vehicle classifications.
| Terms | APR | Conditions |
|---|---|---|
| 48–84 months | 6.10% | Lowest rate offered for a 48-month term; includes a 0.25% discount for recurring direct deposit of $500 or more per month to a TDECU savings or checking account. Rate determined by loan term and credit score. No payments for 90 days option available (requires minimum credit score of 660, LTV < 125%). Existing TDECU loans are ineligible for refinancing. |
Sources (1)
- tdecu.org/loans-and-credit-cards/auto-loans · captured Oct 16, 2026
Refinance Your Motorcycle Loan
Refinance options for new or used motorcycles. Discounts for recurring direct deposits of $500 or more.
| Terms | APR | Conditions |
|---|---|---|
| 48–144 months | 6.69% | Minimum APR. Includes discount for recurring direct deposits of $500 or more. Existing TDECU loans may be ineligible for refinancing. |
Sources (1)
- tdecu.org/rates · captured Oct 6, 2026
Who can join TDECU
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, worship, or attend school in Greater Houston, Victoria, Dallas-Fort Worth, or Gulf Coast are automatically eligible for membership.
- Individuals who live within 10 miles of a TDECU Member Center are eligible for membership.
Employers and groups
- Texas residents who currently work for, are retired from, or are immediate family members of an employee of a company served by TDECU are eligible for membership.
- Texas residents who are members of an organization served by TDECU are eligible for membership.
Family and household
- Individuals who are Texas residents and are immediate family members of or live in the same household as a current TDECU Member are eligible for membership.
Other ways
- Texas residents are eligible for TDECU membership by agreeing to join the Texas Consumer Council (TXCC) for free during the application process.
Membership information collected October 5, 2026.