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TDECU auto loan rates

3.8/5 our editorial rating

Texas credit union with one starting rate for new and pre-owned auto loans and a matching refinance rate.

Who can join: Any Texas resident who joins the Texas Consumer Council for free during the application, plus people who live, work, worship or attend school in Greater Houston, Victoria, Dallas-Fort Worth or the Gulf Coast.

Visit TDECU Calculate payment
From APR
6.10%
Best advertised rate

This is the lowest APR TDECU advertises, reserved for top-tier credit. Your actual rate depends on your credit score, loan term, and the amount you finance.

Loan terms
48–84
Months

Pick a repayment term from 48 to 84 months. A longer term lowers the monthly payment but increases the total interest you pay.

Today's TDECU rates by loan type

Rates shown are the best advertised APRs as of October 22, 2026. Your actual rate depends on credit, term, and loan amount.

Loan type Term APR (from)
New car 48 mo 6.10% Compare →
Used car 48 mo 6.10% Compare →
Refinance 48 mo 6.10% Compare →

Pros

  • No money down options
  • 0.25% discount with $500+ monthly direct deposit
  • Same starting rate for new and pre-owned vehicles

Cons

  • Membership limited to Texas residents
  • Advertised rate requires recurring direct deposit
  • Lowest rate applies to a 48-month term

How we rate lenders

Our 3.8/5 rating for TDECU is computed from the same published data shown on this page. It is not based on opinion or on partner relationships. The formula weighs four things:

Ratings update automatically when a lender's published terms change. Referral fees some lenders pay us have no input into this score.

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