Credit union · NCUA insured
T.E.A. Federal Credit Union Auto Loan Rates
T.E.A. Federal Credit Union auto loans start at 7.25% APR for a new vehicle and 7.50% for a used one. Rates checked October 5, 2026.
How T.E.A. Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Houma, LA, where T.E.A. Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
T.E.A. Federal Credit Union
7.25%APR
- Terms
- —
- Up to
- —
New/Used Auto Loans
Lowest rate
New Orleans Firemen's Federal Credit Union
4.99%APR
- Terms
- up to 84 months
- Up to
- —
2nd-lowest rate
OnPath Federal Credit Union
5.49%APR
- Terms
- —
- Up to
- 16.74% APR
T.E.A. Federal Credit Union auto loan score
61
Auto loan score
Higher than 4% of U.S. banks and credit unions
- New vehicleNew7.25%
- Used vehicleUsed7.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where T.E.A. Federal 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 Auto Loans
Only members can borrow from the credit union. Membership requires proper identification, a $10.00 membership fee, a minimum opening deposit of $35.00, and maintaining a minimum balance of $25.00 for full service. Interest rates reflect lowest interest rates and may be as high as 18% based on creditworthiness and credit report. Fixed APR.
| Terms | APR | Conditions |
|---|---|---|
| — | 7.25% | New Vehicle (Auto/SUV/Truck/Motorcycle). Current year models. Mileage restrictions may apply. APR as low as stated; rates may be as high as 18% based on credit application and credit report. Fixed APR. |
| — | 7.50% | Used Vehicle (Auto/SUV/Truck/Motorcycle). No older than 7 years. Mileage restrictions may apply. APR as low as stated; rates may be as high as 18% based on credit application and credit report. Fixed APR. |
Sources (4)
- teafcu.org/s/11-TEA-Brochure.pdf
- teafcu.org/s/1TEA-Brochure.pdf
- teafcu.org/membership
- teafcu.org/services
All captured Oct 5, 2026
Who can join T.E.A. Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, or worships in the credit union's charter parishes is eligible for membership.
Employers and groups
- Members of the Board of Directors of the Terrebonne Parish Men Day Association who work in Houma, LA are eligible for membership.
Cost to join
- Must maintain a minimum balance of $25.00 for full service.
- A minimum deposit of $35.00 is required to open an account.
- A membership fee of $10.00 is required.
Membership information collected October 5, 2026.