Credit union · NCUA insured
West Texas CU Auto Loan Rates
West Texas CU auto loans start at 4.74% APR for a new vehicle and 5.49% for a used one. Rates checked October 16, 2026.
How West Texas CU’s auto loan rates compare
Compared with banks and credit unions near Odessa, TX, where West Texas CU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
West Texas CU
4.74%APR
- Terms
- up to 72 months
New Auto Loan
Lowest rate
Complex Community Federal Credit Union
4.70%APR
- Terms
- —
3rd-lowest rate
Odessa Employees' Credit Union
4.75%APR
- Terms
- up to 60 months
West Texas CU auto loan score
83
Auto loan score
Higher than 62% of U.S. banks and credit unions
- New vehicleNew4.74%
- Used vehicleUsed5.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where West Texas CU 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 Auto Loan
Subject to credit approval. Refinance higher rate auto loans. No hidden fees or early-payoff penalties. Loan protection benefits available. Member Reward Discounts applied for qualifying services.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 4.74% | Rate of 4.74% APR is the lowest available rate. Terms up to 72 months for qualified members. Subject to credit approval. Member Reward Discounts applied for qualifying services. |
Used Auto Loans
Subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| — | 5.49% | As low as 5.49% APR. |
Sources (1)
- westtexascu.com · captured Oct 7, 2026
Who can join West Texas CU
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