Credit union · NCUA insured
Texas Bay Credit Union Auto Loan Rates
Top CarrotTexas Bay Credit Union auto loans start at 4.24% APR for a new vehicle and 4.24% for a used one. Rates checked October 16, 2026.
How Texas Bay Credit Union’s auto loan rates compare
Compared with banks and credit unions near Houston, TX, where Texas Bay Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Texas Bay Credit Union
4.24%APR
- Terms
- 49–60 months
- Up to
- —
- Discount
- None included
Auto Loans - Used & New
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
Texas Bay Credit Union auto loan score
93
Auto loan score
Higher than 94% of U.S. banks and credit unions
- New vehicleNew4.24%
- Used vehicleUsed4.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Texas Bay 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 Loans - Used & New
Membership eligibility required. Credit approval required. Rates can vary by term, down payment, credit history, and relationship product discounts (up to 1.00% reduction with up to 2 products). As low as rate based on excellent credit history, shortest term, and maximum relationship product discount.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.24% | Rates quoted are Annual Percentage Rates (APR). With approved credit. Lowest rate based on excellent credit history, shortest term available, and maximum relationship product discount. |
| 37–48 months | 4.24% | Rates quoted are Annual Percentage Rates (APR). With approved credit. Lowest rate based on excellent credit history, shortest term available, and maximum relationship product discount. |
| 49–60 months | 4.24% | Rates quoted are Annual Percentage Rates (APR). With approved credit. Lowest rate based on excellent credit history, shortest term available, and maximum relationship product discount. |
| 61–72 months | 4.39% | Rates quoted are Annual Percentage Rates (APR). With approved credit. Lowest rate based on excellent credit history, shortest term available, and maximum relationship product discount. |
| 73–84 months | 5.54% | Rates quoted are Annual Percentage Rates (APR). With approved credit. Lowest rate based on excellent credit history, shortest term available, and maximum relationship product discount. |
Sources (2)
All captured Oct 6, 2026
Who can join Texas Bay Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- People, businesses, and other legal entities who live, work, worship, attend school, or are based in Harris, Chambers, Liberty, Montgomery, Waller, Fort Bend, Brazoria, or Galveston County are eligible for membership.
Employers and groups
- People, businesses, and other legal entities associated with one of Texas Bay Credit Union's select employer groups are eligible for membership.
Cost to join
- To join, deposit $1 into a savings account.
Membership information collected October 5, 2026.