Credit union · NCUA insured
UFCU Auto Loan Rates
Top CarrotUFCU auto loans start at 5.14% APR for a new vehicle and 5.14% for a used one. Rates checked October 16, 2026.
How UFCU’s auto loan rates compare
Compared with banks and credit unions near Austin, TX, where UFCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
UFCU
5.14%APR
- Terms
- 49–66 months
- Up to
- 17.20% APR
- Discount
- None included
Auto Loans
Lowest rate
Texell Credit Union
4.24%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- Included in the rate
2nd-lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
- Up to
- —
- Discount
- None included
UFCU auto loan score
81
Auto loan score
Higher than 55% of U.S. banks and credit unions
- New vehicleNew5.14%
- Used vehicleUsed5.14%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where UFCU 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.
Auto Loans
For new, used, or refinance vehicle loans. Rates do not apply to loans of $100,000 or more (call for rates/terms). Subject to credit eligibility.
| Terms | APR | Conditions |
|---|---|---|
| 1–48 months | 4.49%–16.75% | APR based on credit and risk score (4.49% for Excellent credit to 16.75% for Low / No score). APR may increase based on vehicle age or mileage: add 0.50% APR for vehicles more than 3 years old; add 2.00% APR for vehicles more than 10 years old or with more than 100,000 miles. |
| 49–66 months | 5.14%–17.20% | APR based on credit and risk score (5.14% for Excellent credit to 17.20% for Low / No score). APR may increase based on vehicle age or mileage: add 0.50% APR for vehicles more than 3 years old; add 2.00% APR for vehicles more than 10 years old or with more than 100,000 miles. |
| 67+ months | 5.39%–17.40% | APR based on credit and risk score (5.39% for Excellent credit to 17.40% for Low / No score). APR may increase based on vehicle age or mileage: add 0.50% APR for vehicles more than 3 years old; add 2.00% APR for vehicles more than 10 years old or with more than 100,000 miles. |
Sources (3)
All captured Oct 6, 2026
Who can join UFCU
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Anyone can join UFCU for free through membership in the American Consumer Council.
Employers and groups
- Employees, students, or alumni of partner organizations (Foundation Communities, Goodwill, Indeed, YMCA) are eligible for membership.
Military, government and schools
- Employees, students, or alumni of participating educational institutions and affiliated medical centers are eligible for membership.
Membership information collected October 5, 2026.