Credit union · NCUA insured
United Credit Union Auto Loan Rates
United Credit Union auto loan rates start at 4.24% APR. Rates checked October 16, 2026.
How United Credit Union’s auto loan rates compare
Compared with banks and credit unions near Tyler, TX, where United Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
United Credit Union
– –
- Terms
- —
- Up to
- —
No ongoing APR published
Lowest rate
Tyler City Employees CU
4.40%APR
- Terms
- up to 60 months
- Up to
- 13.40% APR
2nd-lowest rate
East Texas Professional Credit Union
4.74%APR
- Terms
- up to 66 months
- Up to
- —
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 Loan
Rates and terms are based on individual credit history, vehicle information, and credit union underwriting guidelines.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.24% | Advertised offer for terms up to 48 months; maximum available term up to 84 months. |
Sources (2)
All captured Oct 6, 2026
Motorcycle
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.24% | Advertised offer for terms up to 48 months; maximum available term up to 72 months. |
Sources (1)
- unitedcu.coop/bank/deposit-rates · captured Oct 6, 2026
Who can join United 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This may be incomplete or out of date, so check with the credit union before you apply.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, worship, or attend school in Smith County are eligible for membership.
- Individuals who live, work, worship, or attend school in Van Zandt County serviced by zip codes 75103, 75140, 75754, 75790, 75124 (Van Zandt county portion only), or 75752 (Van Zandt county portion only) are eligible for membership.
- Individuals who live, work, worship, or attend school in Wood County serviced by zip codes 75765 (Hawkins) or 75773 (Mineola) are eligible for membership.
Military, government and schools
- Employed or retired USPS or Federal employees in Smith, Upshur, Van Zandt, or Wood County are eligible for membership.
Membership information collected October 5, 2026.