Credit union · NCUA insured
Texell Credit Union Auto Loan Rates
Top CarrotTexell Credit Union auto loans start at 4.24% APR for a new vehicle and 4.74% for a used one. Rates checked October 16, 2026.
How Texell Credit Union’s auto loan rates compare
Compared with banks and credit unions near Killeen, TX, where Texell Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Texell Credit Union
4.24%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
New Auto Loan
Lowest rate
PenFed Credit Union
3.84%APR
- Terms
- up to 60 months
- Discount
- None included
3rd-lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
- Discount
- None included
Texell Credit Union auto loan score
88
Auto loan score
Higher than 82% of U.S. banks and credit unions
- New vehicleNew4.24%
- Used vehicleUsed4.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Texell 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.
New Auto Loan
All loans subject to credit approval and individual rates will vary. As low as rates are based on a credit score of 740+ and include discounts for credit life/disability insurance, major mechanical protection, and a loan-to-value less than 80%.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.99% | Estimated payment $29.52 per $1,000 for 36 months. As low as rates are based on a credit score of 740+ and include discounts for credit life/disability insurance, major mechanical protection, and a loan-to-value less than 80%. |
| up to 60 months | 4.24% | Estimated payment $18.53 per $1,000 for 60 months. As low as rates are based on a credit score of 740+ and include discounts for credit life/disability insurance, major mechanical protection, and a loan-to-value less than 80%. |
| up to 72 months | 4.49% | Estimated payment $15.87 per $1,000 for 72 months. As low as rates are based on a credit score of 740+ and include discounts for credit life/disability insurance, major mechanical protection, and a loan-to-value less than 80%. |
| up to 84 months | 5.49% | Estimated payment $14.37 per $1,000 for 84 months. As low as rates are based on a credit score of 740+ and include discounts for credit life/disability insurance, major mechanical protection, and a loan-to-value less than 80%. |
Pre-Owned Auto Loan
All loans subject to credit approval and individual rates will vary. As low as rates are based on a credit score of 740+ and include discounts for credit life/disability insurance, major mechanical protection, and a loan-to-value less than 80%. Existing Texell loans not eligible for refinance.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.49% | Estimated payment $29.74 per $1,000 for 36 months. As low as rates are based on a credit score of 740+ and include discounts for credit life/disability insurance, major mechanical protection, and a loan-to-value less than 80%. Existing Texell loans not eligible for refinance. |
| up to 60 months | 4.74% | Estimated payment $18.75 per $1,000 for 60 months. As low as rates are based on a credit score of 740+ and include discounts for credit life/disability insurance, major mechanical protection, and a loan-to-value less than 80%. Existing Texell loans not eligible for refinance. |
| up to 72 months | 4.99% | Estimated payment $16.10 per $1,000 for 72 months. As low as rates are based on a credit score of 740+ and include discounts for credit life/disability insurance, major mechanical protection, and a loan-to-value less than 80%. Existing Texell loans not eligible for refinance. |
| up to 84 months | 5.99% | Estimated payment $14.60 per $1,000 for 84 months. As low as rates are based on a credit score of 740+ and include discounts for credit life/disability insurance, major mechanical protection, and a loan-to-value less than 80%. Existing Texell loans not eligible for refinance. |
Who can join Texell Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Any Texas resident or business can join through the Texell Serves Foundation with membership fee covered courtesy of Texell.
Where you live or work
- Individuals who live, work, worship, or attend school in Bell, Bosque, Burnet, Coryell, Falls, Hill, Lampasas, Limestone, McLennan, Milam, Travis, or Williamson County qualify directly for membership.
Family and household
- Immediate family members of existing Texell members are eligible to join.
Membership information collected October 5, 2026.