Credit union · NCUA insured
Texans Credit Union Auto Loan Rates
Texans Credit Union auto loans start at 5.68% APR for a new vehicle and 5.60% for a used one. Rates checked October 16, 2026.
How Texans Credit Union’s auto loan rates compare
Compared with banks and credit unions near Dallas, TX, where Texans Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Texans Credit Union
5.68%APR
- Terms
- 49–60 months
New Vehicle Loan
Lowest rate
PenFed Credit Union
3.84%APR
- Terms
- up to 60 months
2nd-lowest rate
Southwest Airlines Federal Credit Union
3.94%APR
- Terms
- —
Texans Credit Union auto loan score
71
Auto loan score
Higher than 29% of U.S. banks and credit unions
- New vehicleNew5.68%
- Used vehicleUsed5.60%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Texans 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.
Auto Loan Refinancing
Refinance of an existing Texans auto loan includes a $50 fee. Enjoys the same rates offered for new and used auto loans. Flexible repayment terms from 36 to 84 months. A minimum loan balance may be required and can vary based on the loan term.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.04% | Minimum loan amount of $5,000 required for 36-month term. Refinance of an existing Texans auto loan includes a $50 fee. |
| 37–48 months | 5.34% | Minimum loan amount $10,000 required for 48 to 60-month terms. Refinance of an existing Texans auto loan includes a $50 fee. |
| 49–60 months | 5.60% | Minimum loan amount $10,000 required for 48 to 60-month terms. Refinance of an existing Texans auto loan includes a $50 fee. |
| 61–72 months | 5.76% | Minimum loan amount of $18,000 required. Refinance of an existing Texans auto loan includes a $50 fee. |
| 73–75 months | 5.84% | Minimum loan amount of $20,000 required. Refinance of an existing Texans auto loan includes a $50 fee. |
| 76–78 months | 5.94% | Minimum loan amount of $20,000 required. Refinance of an existing Texans auto loan includes a $50 fee. |
| 79–84 months | 6.34% | Minimum loan amount of $30,000 required. Refinance of an existing Texans auto loan includes a $50 fee. |
Sources (4)
- texanscu.org/products/loans/vehicle-loans
- texanscu.org/products/loans/ve…e-loans/auto-refinancing
- texanscu.org
- texanscu.org/rates/auto-loans
All captured Oct 6, 2026
New Vehicle Loan
Membership required. Loans subject to credit approval. Financing is not available for commercial-use vehicles, salvaged or branded title vehicles. Rates, terms, and conditions determined by overall creditworthiness, collateral value, amount financed, and other factors. Up to 100% financing available.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.04% | Minimum loan amount of $5,000 required for 36-month term. |
| 37–48 months | 5.34% | Minimum loan amount $10,000 required for 48 - 60-month terms. |
| 49–60 months | 5.68% | Minimum loan amount $10,000 required for 48 - 60-month terms. |
| 61–72 months | 5.76% | Minimum loan amount of $18,000 required. |
| 73–75 months | 5.84% | Minimum loan amount of $20,000 required. |
| 76–78 months | 5.94% | Minimum loan amount of $20,000 required. |
| 79–84 months | 6.34% | Minimum loan amount of $30,000 required. |
Sources (2)
All captured Oct 6, 2026
Used Vehicle Loan
Membership required. Loans subject to credit approval. Financing is not available for commercial-use vehicles, salvaged or branded title vehicles. Rates, terms, and conditions determined by overall creditworthiness, collateral value, amount financed, and other factors. Up to 100% financing available.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.05% | Minimum loan amount of $5,000 required for 36-month term. |
| 37–48 months | 5.55% | Minimum loan amount $10,000 required for 48 - 60-month terms. |
| 49–60 months | 5.60% | Minimum loan amount $10,000 required for 48 - 60-month terms. |
| 61–72 months | 5.95% | Minimum loan amount of $18,000 required. |
| 73–75 months | 6.25% | Minimum loan amount of $20,000 required. |
| 76–78 months | 6.25% | Minimum loan amount of $20,000 required. |
| 79–84 months | 7.44% | Minimum loan amount of $30,000 required. |
Sources (2)
All captured Oct 6, 2026
Who can join Texans Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.