Current Auto Loan Rates

At Greater Texas Credit Union, we offer competitive auto loan rates because you shouldn’t pay more than you have to for an auto loan. With rates as low as 5.04  %1, you can’t afford not to experience the credit union difference.

Benefits Of Getting An Auto Loan At Greater Texas Credit Union

Not only do we offer competitive auto loan rates, but we also provide unparalleled service throughout every step of your loan process. Here are just a few of the benefits of getting an auto loan at Greater Texas Credit Union.

  • Lower than industry average interest rates
  • Extended loan terms up to 84 months
  • Simple online application that takes minutes to complete
  • Completely online application process - no need to visit a branch
  • Defer your first payment for 90 days

Auto Loan Rates

Scroll to the left to view the rest of the table.

**Rates are subject to change without notice, special promotional rates do not apply to loans already financed at the Credit Union.**

Loan Types Terms Annual Percentage Rate
2021, 2022, 2023 Models Up to 36 Months As low as 5.54  %

Up to 63 Months As low as 6.04  %

Up to 75 Months As low as 6.64  %

Up to 84 Months2 As low as 7.64  %

 2017, 2018, 2019, 2020 Models

Up to 36 Months As low as 6.04  %

Up to 63 Months As low as 6.54  %

Up to 75 Months As low as 7.14  %

2013, 2014, 2015, 2016 Models

Up to 48 Months As low as 7.26  %

Up to 66 Months As low as 7.45  %

284 Month term on new vehicles only.

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Rates May Vary

  • Rates are subject to change without notice, and special promotional rates do not apply to loans already financed at the Credit Union.

Special Conditions

  • The maximum age of a used motor vehicle to be eligible for financing is ten (10) years from the current calendar year. The age of the vehicle will determine the length of financing terms.
  • To be eligible for financing, a used motor vehicle’s mileage must be less than 150,000 miles.
  • Greater Texas Credit Union is unable to finance out of state vehicles. Contact us for more information on out of state vehicle transactions.

Annual Percentage Rate (APR)

  • The APR you receive for the sub-accounts (except Share Secured, Stock Secured, and Certificate Secured) will be within the range disclosed above and is based on your creditworthiness. Ask the credit union for the rate you qualify to receive. Rates are guaranteed for 30 days from pre-approval notice.

Late Payments

  • You will pay 20% of the interest due if payment is more than 10 days late. The minimum amount is $0.05, and the maximum is $100.00.


  • You promise to pay all costs of collecting the amount you owe under this agreement, including court costs and reasonable attorney fees.

Certificate Secured

  • The APR will be the dividend rate being paid on the Shared Certificate of Deposit as security (index) plus approved margin. The approximate term of the advance may not exceed the term of the certificate offered as security for a certificate secured loan. The APR and daily periodic rate will be disclosed on the Closed-End Note at the time of the advance.

Access Competitive Auto Loans Rates Today!

At Greater Texas Credit Union, we want you to have the auto loan experience you deserve. Our auto loan rates, paired with unmatched customer service, will provide you with an unforgettable auto loan financing experience.

1APR=Annual Percentage Rate. Terms and conditions apply. Rate is for loan terms up to 36 monthly payments of $28.56 per $1,000 borrowed. Advertised rate includes additional discount of 0.25% for purchase of Greater Texas| Aggieland Credit Union GAP and Auto Warranty. Rate is based on credit approval and subject to change. Promotion applies to new money loans for purchase or competitor refinance only.