Credit union · NCUA insured
USE Credit Union Auto Loan Rates
Top CarrotUSE Credit Union auto loans start at 4.49% APR for a new vehicle and 4.75% for a used one. Rates checked October 16, 2026.
How USE Credit Union’s auto loan rates compare
Compared with banks and credit unions near Houston, TX, where USE Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
USE Credit Union
4.49%APR
- Terms
- up to 60 months
- Up to
- 14.00% APR
- Discount
- None included
NEW Autos
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
USE Credit Union auto loan score
88
Auto loan score
Higher than 84% of U.S. banks and credit unions
- New vehicleNew4.49%
- Used vehicleUsed4.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where USE 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 Autos
Additional loyalty discount of 0.25% available with recurring minimum monthly direct deposit of $250 and auto pay/automatic transfer. Subject to credit approval. 100% financing available, down payments may be required depending on credit/loan type.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.99%–13.00% | Fixed rate for a 36-month term only. Rate subject to credit approval. Example payment: $20,000 loan over 36 months at 3.99% APR is $590.37/month. |
| up to 48 months | 4.25%–13.49% | — |
| up to 60 months | 4.49%–14.00% | — |
| up to 72 months | 4.75%–14.75% | — |
| up to 84 months | 4.99%–15.49% | — |
USED Autos
Additional loyalty discount of 0.25% available with recurring minimum monthly direct deposit of $250 and auto pay/automatic transfer. Subject to credit approval. Maximum loan term is dependent on the age of the vehicle. 100% financing available, down payments may be required depending on credit/loan type.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.25%–13.75% | — |
| up to 48 months | 4.50%–14.00% | — |
| up to 60 months | 4.75%–14.75% | — |
| up to 72 months | 5.00%–15.25% | — |
| up to 84 months | 5.25%–15.75% | — |
| — | 5.75%–16.75% | Applicable for vehicles 6 – 10 years old. Maximum loan term dependent on the age of the vehicle. |
Who can join USE 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, or worship in the Houston Metro area or specified surrounding communities are eligible for membership.
Military, government and schools
- U.S. Government Employees are eligible for membership.
Membership information collected October 5, 2026.