Credit union · NCUA insured
United Community Credit Union Auto Loan Rates
United Community Credit Union auto loans start at 4.74% APR for a new vehicle and 4.74% for a used one. Rates checked October 16, 2026.
How United Community Credit Union’s auto loan rates compare
Compared with banks and credit unions near Houston, TX, where United Community Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
United Community Credit Union
4.74%APR
- Terms
- 48–84 months
- Up to
- —
- Discount
- None included
Vehicles (New and Used)
Lowest rate
Lubrizol Employees' Credit Union
3.24%APR
- Terms
- 24–60 months
- Up to
- 14.49% APR
- Discount
- Included in the rate
2nd-lowest rate
CommonCents CU
3.50%APR
- Terms
- —
- Up to
- —
- Discount
- None included
United Community Credit Union auto loan score
87
Auto loan score
Higher than 80% of U.S. banks and credit unions
- New vehicleNew4.74%
- 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 United Community 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.
Motorcycles and ATV's
Rate based on qualifications including credit history. Max discount of 0.50% assumed (discounts offered for auto payments, down payment, GAP, Warranty and Credit Insurance). Comprehensive and collision insurance required for the life of the vehicle loan.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 5.99% | Max discount of 0.50% assumed. Discounts offered for auto payments, down payment, GAP, Warranty and Credit Insurance. |
Sources (2)
All captured Oct 16, 2026
Vehicles (New and Used)
Rate based on qualifications including credit history. Max discount of .75% assumed (discounts offered for automatic payments, down payment, CU buyer program, GAP, Warranty and Credit Insurance). Comprehensive and collision insurance required for the life of the loan.
| Terms | APR | Conditions |
|---|---|---|
| 48–84 months | 4.74% | Max discount of .75% assumed. Discounts offered for automatic payments, down payment, CU buyer program, GAP, Warranty and Credit Insurance. |
Sources (2)
All captured Oct 16, 2026
Who can join United Community Credit Union
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