Credit union · NCUA insured
Wellspring Credit Union Auto Loan Rates
Wellspring Credit Union auto loans start at 4.50% APR for a new vehicle and 4.50% for a used one. Rates checked October 16, 2026.
How Wellspring Credit Union’s auto loan rates compare
Compared with banks and credit unions near Beaumont, TX, where Wellspring Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Wellspring Credit Union
4.50%APR
- Terms
- up to 60 months
Auto Loans
Lowest rate
CommonCents CU
3.50%APR
- Terms
- —
2nd-lowest rate
Gulf Credit Union
4.25%APR
- Terms
- up to 60 months
Wellspring Credit Union auto loan score
89
Auto loan score
Higher than 86% of U.S. banks and credit unions
- New vehicleNew4.50%
- Used vehicleUsed4.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Wellspring 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 Loans
Fixed rates for the purchase of new or used vehicles or refinancing. Backed by the vehicle as collateral. Repayment terms up to 7 years. Rate discounts for money down. Membership eligibility: live, work, worship, or attend school in Orange, Newton, Jefferson, or Hardin Counties in Texas.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.50% | Rate based on creditworthiness, down payment, term of loan, age of vehicle, and discounts. Loan subject to approval. Rate shown is based on discounts and other factors. |
| up to 60 months | 4.50% | Rate based on creditworthiness, down payment, term of loan, age of vehicle, and discounts. Loan subject to approval. Rate shown is based on discounts and other factors. |
| up to 72 months | 5.00% | Rate based on creditworthiness, down payment, term of loan, age of vehicle, and discounts. Loan subject to approval. Rate shown is based on discounts and other factors. |
| up to 84 months | 6.00% | Rate based on creditworthiness, down payment, term of loan, age of vehicle, and discounts. Loan subject to approval. Rate shown is based on discounts and other factors. |
Who can join Wellspring 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This may be incomplete or out of date, so check with the credit union before you apply.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, worships, or goes to school in Orange, Newton, Jefferson, and Hardin Counties in Texas is eligible to join.
Family and household
- Immediate family members of members are eligible to join.
Cost to join
- An opening deposit of $20 is required for most accounts.
Membership information collected October 5, 2026.