Credit union · NCUA insured
The Local Federal Credit Union Auto Loan Rates
The Local Federal Credit Union auto loans start at 4.75% APR for a new vehicle and 5.00% for a used one. Rates checked October 16, 2026.
How The Local Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Dallas, TX, where The Local Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
The Local Federal Credit Union
4.75%APR
- Terms
- 24–84 months
- Up to
- 18.00% APR
Vehicle Loans
Lowest rate
PenFed Credit Union
3.84%APR
- Terms
- up to 60 months
- Up to
- —
2nd-lowest rate
Southwest Airlines Federal Credit Union
3.94%APR
- Terms
- —
- Up to
- —
The Local Federal Credit Union auto loan score
85
Auto loan score
Higher than 69% of U.S. banks and credit unions
- New vehicleNew4.75%
- Used vehicleUsed5.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where The Local 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
| Terms | APR | Conditions |
|---|---|---|
| 24–84 months | 4.75%–18.00% | Current & Prior Year Vehicle. Rates depend on credit worthiness and down payment. Loans over $25,000 eligible for 72 months, loans over $30,000 eligible for 84 months. |
| 24–84 months | 5.00%–18.00% | 2024-2023 Used Vehicle. Rates depend on credit worthiness and down payment. Loans over $25,000 eligible for 72 months, loans over $30,000 eligible for 84 months. |
| 24–84 months | 6.00%–18.00% | 2022-2019 Used Vehicle. Rates depend on credit worthiness and down payment. Loans over $25,000 eligible for 72 months, loans over $30,000 eligible for 84 months. |
Sources (2)
All captured Oct 7, 2026
Who can join The Local Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Family and household
- Any member of an existing member's immediate family can become a member.
Cost to join
- Joining requires opening a savings account with an initial share deposit of $25, which is held on deposit while a member.
Membership information collected October 5, 2026.