Credit union · NCUA insured
USI Federal Credit Union Auto Loan Rates
USI Federal Credit Union auto loans start at 5.65% APR for a new vehicle and 5.65% for a used one. Rates checked October 16, 2026.
How USI Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Houston, TX, where USI Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
USI Federal Credit Union
5.65%APR
- Terms
- 49–60 months
- Up to
- —
- Discount
- None included
New and Used Auto
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
USI Federal Credit Union auto loan score
71
Auto loan score
Higher than 28% of U.S. banks and credit unions
- New vehicleNew5.65%
- Used vehicleUsed5.65%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where USI Federal 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.
Classic Auto
Call for info.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 7.50% | Fixed APR type. APR as low as stated. Call for info. |
New and Used Auto
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.15% | Fixed APR type. APR as low as stated. |
| 37–48 months | 5.40% | Fixed APR type. APR as low as stated. |
| 49–60 months | 5.65% | Fixed APR type. APR as low as stated. |
| 61–72 months | 5.90% | Fixed APR type. APR as low as stated. |
| 73–84 months | 6.15% | Fixed APR type. APR as low as stated. |
Who can join USI Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is open to employees of LyondellBasell, Linde Gas, Inc., Flint Hills Resources, ISSC, Basic Industries, American Acryl (Bayport), CDI Corporation (La Porte), and G4S who work in or are supervised from the Deer Park/La Porte Complex in Deer Park, Texas.
Family and household
- Membership is open to immediate family members of qualifying employees of specified employer groups at the Deer Park/La Porte Complex in Deer Park, Texas.
Membership information collected October 5, 2026.