Credit union · NCUA insured
Texas Tech Credit Union Auto Loan Rates
Top CarrotTexas Tech Credit Union auto loans start at 4.74% APR for a new vehicle and 4.99% for a used one. Rates checked October 16, 2026.
How Texas Tech Credit Union’s auto loan rates compare
Compared with banks and credit unions near Lubbock, TX, where Texas Tech Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Texas Tech Credit Union
4.74%APR
- Terms
- up to 60 months
New Auto Loan
Lowest rate
ALLIANCE Credit Union
4.70%APR
- Terms
- —
2nd-lowest rate
Complex Community Federal Credit Union
4.70%APR
- Terms
- —
Texas Tech Credit Union auto loan score
85
Auto loan score
Higher than 71% of U.S. banks and credit unions
- New vehicleNew4.74%
- 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 Tech 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.
Motorcycle & ATV Loan
New Motorcycles & ATVs: 2026-2027 model years. Used Motorcycles & ATVs: 2024-2025 model years. Rates for older model year motorcycles and ATVs are subject to change. Rates shown are based on excellent credit history, underwriting criteria, and account qualification.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 7.49% | Fixed rate for term up to 48 months. New Motorcycles & ATVs: 2026-2027 model years. |
| up to 60 months | 7.74% | Fixed rate for 60 month term. New Motorcycles & ATVs: 2026-2027 model years. |
| up to 48 months | 7.74% | Fixed rate for term up to 48 months. Used Motorcycles & ATVs: 2024-2025 model years. |
| up to 60 months | 7.99% | Fixed rate for 60 month term. Used Motorcycles & ATVs: 2024-2025 model years. |
New Auto Loan
New Vehicles: 2026-2027 model years. Fixed rates based on excellent credit history, underwriting criteria, and account qualification. 84-month max is dependent on credit score, year of vehicle, and amount financed. Additional rate discounts of up to -0.40% may apply. No payments for 90 days based on applicant meeting established criteria.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.49% | Fixed rate for term up to 48 months. Additional Rate Discounts: -0.40%. |
| up to 60 months | 4.74% | Fixed rate for 60 month term. Additional Rate Discounts: -0.40%. |
| up to 72 months | 4.99% | Fixed rate for 72 month term. Additional Rate Discounts: -0.40%. |
| up to 84 months | 5.49% | Fixed rate for 84 month term. 84-month max is dependent on credit score, year of vehicle, and amount financed. Additional Rate Discounts: -0.40%. |
Used Auto Loan
Used Vehicles: 2024-2025 model years (rates for older model-year vehicles are subject to change). Fixed rates based on excellent credit history, underwriting criteria, and account qualification. 84-month max is dependent on credit score, year of vehicle, and amount financed. Additional rate discounts of up to -0.40% may apply. No payments for 90 days based on applicant meeting established criteria.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.74% | Fixed rate for term up to 48 months. Additional Rate Discounts: -0.40%. |
| up to 60 months | 4.99% | Fixed rate for 60 month term. Additional Rate Discounts: -0.40%. |
| up to 72 months | 5.24% | Fixed rate for 72 month term. Additional Rate Discounts: -0.40%. |
| up to 84 months | 5.74% | Fixed rate for 84 month term. 84-month max is dependent on credit score, year of vehicle, and amount financed. Additional Rate Discounts: -0.40%. |
Who can join Texas Tech Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Anyone can join the American Consumer Council at no additional cost to qualify for membership.
Military, government and schools
- Employees and retirees of specified school districts and Lubbock Christian University are eligible for membership.
- Students, employees, retirees, and alumni of Texas Tech University and Texas Tech Health Sciences Center are eligible for membership.
Family and household
- Immediate family members of individuals who qualify through education affiliations or who are current members of Texas Tech Credit Union are eligible for membership.
- Relatives of a current member are eligible for membership.
- Spouses of persons who died while within the field of membership of the credit union are eligible for membership.
Membership information collected October 5, 2026.