Credit union · NCUA insured
WACO Auto Loan Rates
WACO auto loans start at 5.00% APR for a new vehicle and 6.50% for a used one. Rates checked October 16, 2026.
How WACO’s auto loan rates compare
Compared with banks and credit unions near Waco, TX, where WACO has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
WACO
5.00%APR
- Terms
- —
- Discount
- None included
New Car Loan
Lowest rate
Texell Credit Union
4.24%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
2nd-lowest rate
Heart O' Texas Federal Credit Union
4.55%APR
- Terms
- —
- Discount
- None included
WACO auto loan score
75
Auto loan score
Higher than 38% of U.S. banks and credit unions
- New vehicleNew5.00%
- Used vehicleUsed6.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where WACO 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 Car Loan
| Terms | APR | Conditions |
|---|---|---|
| — | 5.00% | Starting at 5.00% Annual Percentage Rate |
Sources (1)
- wacofcu.org · captured Oct 7, 2026
Used Car Loan
| Terms | APR | Conditions |
|---|---|---|
| — | 6.50% | Starting at 6.50% Annual Percentage Rate |
Sources (1)
- wacofcu.org · captured Oct 7, 2026
Who can join WACO
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.