Credit union · NCUA insured
Texarkana Terminal Federal Credit Union Auto Loan Rates
Texarkana Terminal Federal Credit Union auto loans start at 6.44% APR for a new vehicle and 6.44% for a used one. Rates checked October 16, 2026.
How Texarkana Terminal Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Texarkana, TX-AR, where Texarkana Terminal Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Texarkana Terminal Federal Credit Union
6.44%APR
- Terms
- up to 72 months
Auto Loan
Lowest rate
Morris Sheppard Texarkana FCU
4.50%APR
- Terms
- up to 72 months
2nd-lowest rate
Red River Credit Union
5.60%APR
- Terms
- up to 60 months
Texarkana Terminal Federal Credit Union auto loan score
63
Auto loan score
Higher than 10% of U.S. banks and credit unions
- New vehicleNew6.44%
- Used vehicleUsed6.44%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Texarkana Terminal 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.
Auto Loan
All loans have to be approved and will only be granted with approved credit. Interest rates are determined by credit scores. Rates may vary. Checking account holders may be eligible for 0.25% off auto loans.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 6.44% | New Autos (2024 & 2025). As low as rate. |
| up to 72 months | 6.94% | Auto Year 2022-2023. As low as rate. |
| up to 72 months | 8.19% | Auto Year 2020-2021. As low as rate. |
| up to 60 months | 8.99% | Auto Year 2015-2019. As low as rate. |
| up to 48 months | 8.99% | Auto Year 2018-2012. As low as rate. |
Who can join Texarkana Terminal 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This may be incomplete or out of date, so check with the credit union before you apply.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
- Membership is open to anyone who lives, works, worships, or attends school in the Downtown Texarkana, Texas or Texarkana, Arkansas area.
Membership information collected October 5, 2026.