Credit union · NCUA insured
Texasgulf Federal Credit Union Auto Loan Rates
Texasgulf Federal Credit Union auto loans start at 6.50% APR for a new vehicle and 5.60% for a used one. Rates checked October 16, 2026.
How Texasgulf Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near El Campo, TX, where Texasgulf Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Texasgulf Federal Credit Union
6.50%APR
- Terms
- up to 84 months
- Up to
- —
Vehicle Loans
2nd-lowest rate
Zions Bank
6.53%APR
- Terms
- 36–84 months
- Up to
- 12.70% APR
Texasgulf Federal Credit Union auto loan score
70
Auto loan score
Higher than 26% of U.S. banks and credit unions
- New vehicleNew6.50%
- Used vehicleUsed5.60%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Texasgulf 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.
Vehicle Loans
Up to 100% financing available for new and used vehicles. Rates are based on credit worthiness and may be higher than stated rates.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.99% | New or used vehicle up to 36 months. Rates as low as based on creditworthiness. |
| up to 48 months | 5.49% | New or used vehicle up to 48 months. Rates as low as based on creditworthiness. |
| 49–72 months | 5.60% | New or used vehicle 49 - 72 months. Rates as low as based on creditworthiness. |
| up to 84 months | 6.50% | New vehicle up to 84 months. Rates as low as based on creditworthiness. |
Sources (1)
- texasgulffcu.org/lending/vehicle-loans.html · captured Oct 6, 2026
Who can join Texasgulf 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This may be incomplete or out of date, so check with the credit union before you apply.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 businesses and individuals who live, work, worship, attend school, or do business in Calhoun, Colorado, DeWitt, Fayette, Gonzales, Jackson, Lavaca, Lee, Matagorda, or Wharton County.
Family and household
- Membership is open to immediate family members (spouses, children, siblings, parents, grandparents, grandchildren, stepchildren, stepparents, step siblings, and adopted children) of eligible individuals or permanent members of an eligible member's household.
Cost to join
- A minimum deposit of $25.00 is required to open membership.
Membership information collected October 5, 2026.