Credit union · NCUA insured
Velocity Credit Union Auto Loan Rates
Velocity Credit Union auto loans start at 5.54% APR for a new vehicle and 5.54% for a used one. Rates checked October 16, 2026.
How Velocity Credit Union’s auto loan rates compare
Compared with banks and credit unions near Austin, TX, where Velocity Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Velocity Credit Union
5.54%APR
- Terms
- up to 66 months
- Discount
- Included in the rate
New Autos
Lowest rate
Texell Credit Union
4.24%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
2nd-lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
- Discount
- None included
Velocity Credit Union auto loan score
68
Auto loan score
Higher than 22% of U.S. banks and credit unions
- New vehicleNew5.54%
- Used vehicleUsed5.54%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Velocity 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
Velocity offers financing on a wide range of new automobiles and light trucks. New vehicles can often be financed with little or no down payment, depending upon credit qualifications. 100% financing available to qualified borrowers. Rates include a Member Rewards discount of 0.25%. APR is determined by individual credit rating score.
| Terms | APR | Conditions |
|---|---|---|
| up to 66 months | 5.54% | With Member Rewards (includes 0.25% discount). Up to 66 months. 100% financing available to qualified borrowers. |
| 67–75 months | 5.74% | With Member Rewards (includes 0.25% discount). Over 67 to 75 months. 100% financing available to qualified borrowers. |
| 76–84 months | 6.59% | With Member Rewards (includes 0.25% discount). Over 76 to 84 months. 100% financing available to qualified borrowers. |
Used Autos
Velocity finances used cars and trucks up to 10 years old. Rates include a Member Rewards discount of 0.25%. APR is based on individual credit rating score.
| Terms | APR | Conditions |
|---|---|---|
| up to 66 months | 5.54% | Current year to 5 years old. With Member Rewards (includes 0.25% discount). Up to 66 months. |
| 67–75 months | 5.74% | Current year to 5 years old. With Member Rewards (includes 0.25% discount). 67 to 75 months. |
| 76–84 months | 6.59% | Current year to 5 years old. With Member Rewards (includes 0.25% discount). 76 to 84 months. |
| up to 54 months | 5.54% | 6 to 7 year old models. With Member Rewards (includes 0.25% discount). Up to 54 months. |
| 55–60 months | 5.74% | 6 to 7 year old models. With Member Rewards (includes 0.25% discount). 55 to 60 months. |
| up to 36 months | 5.74% | 8 to 10 year old models. With Member Rewards (includes 0.25% discount). Up to 36 months. |
Who can join Velocity 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 living or working in Travis, Hays, Williamson, Bastrop, or Caldwell counties is eligible for membership.
Membership information collected October 5, 2026.