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Auto Loans

We know that your vehicle is how you get things done. That’s why we’ve come up with as many ways as possible to get you behind the wheel.

Features

  • Low interest rates
  • Includes both new and used vehicles
  • Quick and easy approval process
  • Available pre-approval
  • Flexible terms
  • Local Houston auto loan decisions
  • Reliable and expeditious service

 

Autos from 2015 and newer. Rates reflect discount of 80 basis points for GAP, warranty, and all payment protection products.

Rate Term
As low as 1.69% APR* 36 months
As low as 1.94% APR 48 months
As low as 2.19% APR 60 months
As low as 2.44% APR 72 months**
As low as 2.69% APR 84 months***

*APR = Annual Percentage Rate. Loans subject to credit approval.
**Loan Balance must be at least $20,000
*** Loan Balance must be at least $35,000
Example of payment calculation: If loan amount is $20,000 at 2.19% interest rate for 60 months, your monthly payment will be $352.20.

Autos from 2014 and older. Rates reflect discount of 80 basis points for GAP, warranty, and all payment protection products.

Rate Term
As low as 2.69% APR* 36 months
As low as 2.94% APR 48 months
As low as 3.19% APR 60 months
As low as 3.44% APR 72 months**
As low as 3.69% APR 84 months***

*APR = Annual Percentage Rate. Loans subject to credit approval.
**Loan Balance must be at least $20,000
*** Loan Balance must be at least $35,000
Example of payment calculation: If loan amount is $20,000 at 3.19% interest rate for 60 months, your monthly payment will be $361.04.

Boats, planes, travel trailers, and horse trailers.

New recreational vehicles/boats: Maximum loan amount is 100% of purchase including TT&L.

Used recreational vehicles/boats: Maximum loan amount is 100% of NADA Retail including options.

Rate Term Loan Amount
As low as 4.74% APR* 60 months $7,500 and under
As low as 4.99% APR 72 months $7,501 – $15,000
As low as 5.24% APR 120 months $15,001 – $25,000
As low as 5.49% APR 132 months** $25,001 – $35,000
As low as 5.74% APR 144 months*** $35,001 and greater

*APR = Annual Percentage Rate. Loans subject to credit approval. Rates reflect discount of 50 basis points for purchase of Guaranteed Auto Protection (GAP), and selection of payment protection. Purchase not required.
**Up to 144 months extended term
** Up to 156 Months extended term
Example of payment calculation: If loan amount is $20,000 at 4.94% interest rate for 120 months, your monthly payment will be $211.54.

 

GAP

With Guaranteed Asset Protection (GAP) you can rest assured that you’re still covered if your car is totaled or stolen, and your current insurance doesn’t cover for the entire loss. GAP will account for the difference between your remaining loan balance and the cash value of your vehicle. That way you won’t get stuck paying the difference out-of-pocket.

MBP

Mechanical Breakdown Protection (MBP) will cover repairs on your vehicle even after the manufacturer’s warranty has expired.

Even though MBP coverage is not required, choose to add MBP and enjoy the peace of mind that comes with it.

 

Products and services offered by Third Parties/Affiliates: Any financial, investment, warranty, credit insurance or other products/services which are provided by any third party or affiliate are not products of the Credit Union. If the purchase of the same is facilitated by or through the Credit Union financing; such is merely a convenience to the borrower(s) and in no way creates any contractual or other relationship between the borrower(s) and the Credit Union with regard to any such products. Any rights, obligations or claims with any regard to such products shall be solely and exclusively between the party providing such products as may be set forth in any applicable contracts, agreements or otherwise, and the Credit Union shall have no obligations, responsibilities, duties, or liabilities whatsoever regarding same.