Credit union · NCUA insured
Texas DPS Credit Union Auto Loan Rates
Top CarrotTexas DPS Credit Union auto loans start at 4.99% APR for a new vehicle and 4.99% for a used one. Rates checked October 16, 2026.
How Texas DPS Credit Union’s auto loan rates compare
Compared with banks and credit unions near Austin, TX, where Texas DPS Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Texas DPS Credit Union
4.99%APR
- Terms
- —
- Discount
- None included
Auto Loans
Lowest rate
Texell Credit Union
4.24%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
2nd-lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
- Discount
- None included
Texas DPS Credit Union auto loan score
83
Auto loan score
Higher than 62% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed4.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Texas DPS 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
Discounts – .25% APR off for having a previous loan(s) with TXDPSCU. Previous or current loans must have satisfactory payment history. Vehicles over 7 years and/or 100,000 miles are subject to a rate increase.
| Terms | APR | Conditions |
|---|---|---|
| 1–42 months | 5.24%–17.99% | Rates vary by credit tier: Excellent Credit 5.24%, Good Credit 5.99%, Average Credit 6.99%, Fair Credit 9.24%, Marginal Credit 12.74%, Poor Credit 17.99% |
| 43–66 months | 5.49%–17.99% | Rates vary by credit tier: Excellent Credit 5.49%, Good Credit 6.24%, Average Credit 7.24%, Fair Credit 9.49%, Marginal Credit 12.99%, Poor Credit 17.99% |
| 67–78 months | 5.74%–17.99% | Rates vary by credit tier: Excellent Credit 5.74%, Good Credit 6.49%, Average Credit 7.49%, Fair Credit 9.99%, Marginal Credit 14.24%, Poor Credit 17.99% |
| 79–84 months | 5.99%–17.99% | Rates vary by credit tier: Excellent Credit 5.99%, Good Credit 6.74%, Average Credit 7.74%, Fair Credit 10.99%, Marginal Credit 15.99%, Poor Credit 17.99% |
| — | 4.99% | Rates and terms to fit all credit scores starting as low as 4.99% APR |
Who can join Texas DPS Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, work, or attend school within a ten-mile radius of the credit union in the Austin, Texas area are eligible to join.
Employers and groups
- Members of the Texas DPS Museum Association are eligible to join.
- Members of the Sheriffs’ Association of Texas are eligible to join.
- Members of the Texas Police Association are eligible to join.
Military, government and schools
- Individuals employed by, retired from, or having a common bond with the Texas Department of Public Safety or a public safety group are eligible to join.
Family and household
- Any immediate family member of a current credit union member is eligible to join.
Membership information collected October 5, 2026.