Credit union · NCUA insured
United Energy Credit Union Auto Loan Rates
United Energy Credit Union auto loans start at 5.24% APR for a new vehicle and 6.24% for a used one. Rates checked October 16, 2026.
How United Energy Credit Union’s auto loan rates compare
Compared with banks and credit unions near Houston, TX, where United Energy Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
United Energy Credit Union
5.24%APR
- Terms
- up to 72 months
- Up to
- —
- Discount
- None included
Auto Loan
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 Energy Credit Union auto loan score
73
Auto loan score
Higher than 33% of U.S. banks and credit unions
- New vehicleNew5.24%
- Used vehicleUsed6.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where United Energy 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.
Auto Loan
Rate based on creditworthiness and term of loan; financing levels at 80%, 90%, and 100% of MSRP or NADA Retail
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 3.99% | New/Used Auto (up to 5 years old) with 80% Financing (20% down) |
| up to 60 months | 4.74% | New/Used Auto (up to 5 years old) with 90% Financing (10% down) |
| up to 60 months | 5.24% | New/Used Auto (up to 5 years old) with 100% Financing |
| up to 72 months | 5.24% | New Auto (Greater than $25,000) with 80% Financing (20% down) |
| up to 72 months | 5.74% | New Auto (Greater than $25,000) with 90% Financing (10% down) |
| up to 72 months | 6.24% | New Auto (Greater than $25,000) with 100% Financing |
| up to 84 months | 5.99% | New Auto (Greater than $50,000) with 80% Financing (20% down) |
| up to 84 months | 6.49% | New Auto (Greater than $50,000) with 90% Financing (10% down) |
| up to 84 months | 6.99% | New Auto (Greater than $50,000) with 100% Financing |
| up to 60 months | 6.24% | Older Auto (6+ years) with 80% Financing (20% down) |
| up to 60 months | 6.49% | Older Auto (6+ years) with 90% Financing (10% down) |
| up to 60 months | 6.74% | Older Auto (6+ years) with 100% Financing |
Sources (1)
- unitedenergycu.com/loan-rates · captured Oct 16, 2026
Auto Loan Refinance
Bring your car loan to the credit union and save at least 2% off your existing contract rate, as low as 3.49% APR*. Members must have existing contract from their financial institution to qualify for the 2% discount.
| Terms | APR | Conditions |
|---|---|---|
| — | 3.49% | Refinance promotion: save at least 2% off existing contract rate, as low as 3.49% APR. Members must have existing contract from their financial institution to qualify. |
Sources (1)
- unitedenergycu.com/refinance · captured Oct 16, 2026
Auto Title Loan
Use vehicle title as collateral. Maximum loan amount 100% NADA Clean Retail Value. Clear Title and Proof of Current Registration and Insurance Must Be Provided for the Qualifying Vehicle.
| Terms | APR | Conditions |
|---|---|---|
| — | 3.99% | Model year up to 5 years old. 100% NADA Clean Retail Value (Maximum Loan Amount). |
| — | 6.74% | Model year 6 years and up. 100% NADA Clean Retail Value (Maximum Loan Amount). |
Sources (1)
- unitedenergycu.com/auto · captured Oct 16, 2026
Who can join United Energy Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, attends school, or worships within a 10-mile radius of either branch is eligible for membership.
Employers and groups
- Active or retired CenterPoint Energy employees are eligible for membership.
- Active or retired Reliant Energy employees are eligible for membership.
Family and household
- Family members (spouse, children, brothers/sisters, aunts/uncles, nieces/nephews, cousins, parents/grandparents, grandchildren/great grandchildren) of any current members are eligible for membership.
Cost to join
- A minimum deposit of $5 into a savings account is required for membership.
Membership information collected October 5, 2026.