Credit union · NCUA insured
Texas Trust Credit Union Auto Loan Rates
Top CarrotTexas Trust Credit Union auto loans start at 5.85% APR for a new vehicle and 5.85% for a used one. Rates checked October 16, 2026.
How Texas Trust Credit Union’s auto loan rates compare
Compared with banks and credit unions near Dallas, TX, where Texas Trust Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Texas Trust Credit Union
5.85%APR
- Terms
- up to 66 months
New Auto Loans
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
- —
Texas Trust Credit Union auto loan score
68
Auto loan score
Higher than 21% of U.S. banks and credit unions
- New vehicleNew5.85%
- Used vehicleUsed5.85%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Texas Trust 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 Refinance
Current Texas Trust loans are not eligible for refinance. Minimum loan balance is $5,000. Maximum loan balance is $100,000. Subject to credit approval and normal underwriting conditions.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.24% | As low as 5.24% APR for 36 months; terms up to 72 months available. |
Sources (2)
All captured Oct 6, 2026
New Auto Loans
Minimum loan balance is $5,000. Maximum loan balance is $100,000. Subject to credit approval and normal underwriting conditions.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.24% | — |
| up to 48 months | 5.60% | — |
| up to 66 months | 5.85% | — |
| up to 72 months | 5.90% | — |
Pre-Owned Auto Loans
Minimum loan balance is $5,000. Maximum loan balance is $100,000. Subject to credit approval and normal underwriting conditions.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.24% | — |
| up to 48 months | 5.60% | — |
| up to 66 months | 5.85% | — |
| up to 72 months | 5.90% | — |
Who can join Texas Trust Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, or worship in Dallas, Tarrant, Henderson, Ellis (Midlothian), Johnson, Denton (Flower Mound), or Tom Green (San Angelo) County are eligible for membership.
Family and household
- Individuals with a family member who lives, works, or worships in Dallas, Tarrant, Henderson, Ellis (Midlothian), Johnson, Denton (Flower Mound), or Tom Green (San Angelo) County are eligible for membership.
Cost to join
- Completing membership requires opening a share savings account with an initial deposit of $5.
Membership information collected October 5, 2026.