Credit union · NCUA insured
Worth Credit Union Auto Loan Rates
Top CarrotWorth Credit Union auto loans start at 4.49% APR for a new vehicle and 4.99% for a used one. Rates checked October 16, 2026.
How Worth Credit Union’s auto loan rates compare
Compared with banks and credit unions near Dallas, TX, where Worth Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Worth Credit Union
4.49%APR
- Terms
- up to 90 months
- Up to
- 11.74% APR
New Autos
Lowest rate
PenFed Credit Union
3.84%APR
- Terms
- up to 60 months
- Up to
- —
2nd-lowest rate
Southwest Airlines Federal Credit Union
3.94%APR
- Terms
- —
- Up to
- —
Worth Credit Union auto loan score
88
Auto loan score
Higher than 82% of U.S. banks and credit unions
- New vehicleNew4.49%
- Used vehicleUsed4.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Worth 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 Refinance (Move My Loan)
Transfer auto loan to WorthCU. $10,000 minimum loan amount required to qualify for $200 cash back offer. Skip first payment for 90 days. Existing Worth Credit Union loans excluded.
| Terms | APR | Conditions |
|---|---|---|
| — | 3.99% | Rates start as low as 3.99% APR for qualifying auto loans refinanced from another lender ($10,000 minimum). First payment delay up to 90 days. Existing Worth Credit Union loans excluded. |
Sources (1)
- worthcu.org/move-my-loan · captured Oct 6, 2026
New Autos
100% financing with zero down. Model years 2027 - 2024.
| Terms | APR | Conditions |
|---|---|---|
| up to 90 months | 4.99%–12.24% | Base standard rate for model years 2027 - 2024. |
| up to 90 months | 4.49%–11.74% | With Benefits Checking Account discount (0.50% discount). Any payroll direct deposit into a Benefits Checking account at any points in the prior 60 days. |
Sources (1)
- worthcu.org/auto-loans · captured Sep 26, 2026
Used Autos
Financing up to 130% of NADA trade-in value.
| Terms | APR | Conditions |
|---|---|---|
| up to 78 months | 5.24%–12.04% | Model years 2023 - 2019 standard rate. |
| up to 78 months | 4.99%–11.54% | Model years 2023 - 2019 with Benefits Checking Account discount (0.50% discount). Any payroll direct deposit into a Benefits Checking account at any points in the prior 60 days. |
| up to 48 months | 7.49%–14.49% | Model years 2018 & Older standard rate. |
| up to 48 months | 6.99%–13.99% | Model years 2018 & Older with Benefits Checking Account discount (0.50% discount). Any payroll direct deposit into a Benefits Checking account at any points in the prior 60 days. |
Sources (1)
- worthcu.org/auto-loans · captured Oct 6, 2026
Who can join Worth Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.