Credit union · NCUA insured
The People's Federal Credit Union Auto Loan Rates
Top CarrotThe People's Federal Credit Union auto loans start at 4.59% APR for a new vehicle and 4.59% for a used one. Rates checked October 16, 2026.
How The People's Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Amarillo, TX, where The People's Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
The People's Federal Credit Union
4.59%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
New & Used Vehicles
2nd-lowest rate
ALLIANCE Credit Union
4.70%APR
- Terms
- —
- Discount
- None included
3rd-lowest rate
City Federal Credit Union
4.74%APR
- Terms
- up to 60 months
- Discount
- None included
The People's Federal Credit Union auto loan score
86
Auto loan score
Higher than 74% of U.S. banks and credit unions
- New vehicleNew4.59%
- Used vehicleUsed4.59%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where The People's 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.
New & Used Vehicles
Rates only apply to TPFCU members. Rate is based on individual credit score, term of the loan, and qualifying discounts. Rates are quoted as APR and are subject to change at any time.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.29% | Rate includes both qualifying discounts. Rate is based on individual credit score and term. |
| up to 48 months | 4.29% | Rate includes both qualifying discounts. Rate is based on individual credit score and term. |
| up to 60 months | 4.59% | Rate includes both qualifying discounts. Rate is based on individual credit score and term. |
| up to 72 months | 4.59% | Rate includes both qualifying discounts. Rate is based on individual credit score and term. |
| up to 84 months | 4.99% | 7-year term may be available with approval. Rate includes both qualifying discounts. Rate is based on individual credit score and term. |
Who can join The People's 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This may be incomplete or out of date, so check with the credit union before you apply.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
- Individuals who live, work, or worship in Canyon, Childress, Hereford, parts of Amarillo, or Deaf Smith County, Texas are eligible for membership.
Employers and groups
- Individuals who work for or have retired from a company served by TPFCU are eligible for membership.
Family and household
- Individuals who have a family member who is already a TPFCU member are eligible for membership.
Cost to join
- A required $25 initial deposit into a Membership Savings Account is needed to establish membership.
Membership information collected October 5, 2026.