Credit union · NCUA insured
TxDot Credit Union Auto Loan Rates
TxDot Credit Union auto loans start at 5.00% APR for a new vehicle and 5.25% for a used one. Rates checked October 16, 2026.
How TxDot Credit Union’s auto loan rates compare
Compared with banks and credit unions near Odessa, TX, where TxDot Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
TxDot Credit Union
5.00%APR
- Terms
- 36–72 months
- Up to
- 11.00% APR
New Vehicles
Lowest rate
Complex Community Federal Credit Union
4.70%APR
- Terms
- —
- Up to
- —
2nd-lowest rate
West Texas CU
4.74%APR
- Terms
- up to 72 months
- Up to
- —
TxDot Credit Union auto loan score
78
Auto loan score
Higher than 48% of U.S. banks and credit unions
- New vehicleNew5.00%
- Used vehicleUsed5.25%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where TxDot 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 Vehicles
Term & Rate are available with conditional financing limits and guidelines.
| Terms | APR | Conditions |
|---|---|---|
| 36–72 months | 5.00%–11.00% | — |
| up to 84 months | 5.00%–11.00% | 2027-2026 model years; 84 month financing limitations |
Sources (1)
- txdotcu.com/rates/loan-rates · captured Oct 7, 2026
Used Vehicles
Term & Rate are available with conditional financing limits and guidelines.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.25%–11.25% | Model years 2026-2022 |
| up to 54 months | 6.50%–12.50% | Model years 2021-2020 |
| up to 36 months | 6.50%–12.50% | Model years 2019-2016 |
Sources (1)
- txdotcu.com/rates/loan-rates · captured Oct 7, 2026
Who can join TxDot Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Employees of the Texas Department of Transportation, Texas Department of Public Safety and Motor Vehicles who live in or work in Taylor, Jones, Mitchell, Haskell, Fisher, Nolan, Shackelford, Stonewall, Howard, Borden, Kent, Scurry, Andrews, Crane, Ector, Loving, Martin, Midland, Pecos, Reeves, Terrell, Upton, Ward and Winkler counties (Old District 8 and District 6) are eligible to join.
- Employees of Taylor County Sheriff’s Department are eligible to join.
- Persons who are receiving retirements, pensions or other benefits as a result of prior employment by any business or organization included with the field of membership are eligible to join.
Family and household
- Anyone related by blood, marriage or adoption to an existing member is eligible to join.
Membership information collected October 5, 2026.