Credit union · NCUA insured
Wichita Falls Teachers Federal Credit Union Auto Loan Rates
Wichita Falls Teachers Federal Credit Union auto loans start at 8.75% APR for a new vehicle and 7.00% for a used one. Rates checked October 16, 2026.
How Wichita Falls Teachers Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Wichita Falls, TX, where Wichita Falls Teachers Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Wichita Falls Teachers Federal Credit Union
8.75%APR
- Terms
- 24–72 months
- Up to
- —
New Autos (Variable Rates)
Lowest rate
Windthorst Federal Credit Union
5.00%APR
- Terms
- up to 60 months
- Up to
- —
2nd-lowest rate
Union Square Credit Union
5.74%APR
- Terms
- up to 60 months
- Up to
- 17.49% APR
Wichita Falls Teachers Federal Credit Union auto loan score
61
Auto loan score
Higher than 5% of U.S. banks and credit unions
- New vehicleNew8.75%
- Used vehicleUsed7.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Wichita Falls Teachers 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.
New Autos (Variable Rates)
Variable rates.
| Terms | APR | Conditions |
|---|---|---|
| 24–72 months | 8.75% | Variable rate. |
| up to 84 months | 8.75% | Variable rate. Loan amount greater than $50,000.00. |
Sources (1)
- wftfcu.com/loan-rates · captured Oct 16, 2026
New/Used Autos
Fixed rates. The annual percentage rate you receive will be within the range disclosed and will be based on certain creditworthiness criteria. Automatic transfer of payment and down payment discounts are available.
| Terms | APR | Conditions |
|---|---|---|
| 24–60 months | 6.00%–15.00% | Fixed rate. Risk-based pricing. |
| 61–72 months | 6.50%–15.50% | Fixed rate. Risk-based pricing. |
| 73–84 months | 6.50%–15.50% | Fixed rate. Risk-based pricing. |
Used Autos 10 years & Older
Fixed rates for vehicles 10 years and older. Rate is 1% higher for vehicles 10 years and older. Risk-based pricing guidelines apply.
| Terms | APR | Conditions |
|---|---|---|
| 24–60 months | 7.00%–16.00% | Fixed rate. 10 years & Older. |
| 61–72 months | 7.50%–16.50% | Fixed rate. 10 years or older. |
| 73–84 months | 7.50%–16.50% | Fixed rate. 10 years or older. |
Used Autos 2021 & Older (Variable Rates)
Variable rates for model years 2021 & older.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 10.75% | Variable rate. |
| up to 72 months | 10.25% | Variable rate. Requires 15% down. |
Sources (1)
- wftfcu.com/loan-rates · captured Oct 16, 2026
Used Autos 2023 & 2022 (Variable Rates)
Variable rates for model years 2023 & 2022.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 9.75% | Variable rate. |
| up to 72 months | 9.25% | Variable rate. Requires 15% down. |
Sources (1)
- wftfcu.com/loan-rates · captured Oct 16, 2026
Used Autos 2025 & 2024 (Variable Rates)
Variable rates for model years 2025 & 2024.
| Terms | APR | Conditions |
|---|---|---|
| 48–72 months | 9.75% | Variable rate. |
| up to 48 months | 8.75% | Variable rate. Requires 15% down. |
| 60–72 months | 9.00% | Variable rate. Requires 15% down. |
Sources (1)
- wftfcu.com/loan-rates · captured Oct 16, 2026
Who can join Wichita Falls Teachers 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 Clinics of North Texas and Kell West Regional Hospital.
Military, government and schools
- Membership is open to employees and students of specified area independent school districts and Region 9 Education Service Center.
- Membership is open to employees and students of additional educational institutions and organizations.
- Membership is open to members of Wichita Falls Retired Teachers Association, retirees/annuitants from eligible employment, and surviving spouses of members who died while in the field of membership.
Family and household
- Membership is open to immediate family members (including foster or adopted children) of members or employees of specified employers.
Cost to join
- Eligible persons must make a deposit in a regular savings account to join.
Membership information collected October 5, 2026.