Credit union
Independent comparison. JustAutoRates is not affiliated with University Federal Credit Union (UFCU). To apply, visit ufcu.org.
Texas · Headquarters Texas
Austin-area credit union; membership required
Tagged rates need something extra, like autopay or a specific dealer. Untagged rates are the lender's standard rate.
4.49%NewUp to 48 months
TX
Published as Up to 48 months, not as a single monthly term.
Excellent credit tier rate (published tiers run to 16.75% for low/no score). Add 0.50% APR for vehicles more than 3 years old. Advertised as up to 48 months.
Checked Nov 11, 2026Source ufcu.org
5.14%New49–66 months
TX
Published as 49–66 months, not as its own 66-month price.
Excellent credit tier rate (published tiers run to 17.20% for low/no score). Add 0.50% APR for vehicles more than 3 years old. Advertised as 49-66 months.
Checked Nov 11, 2026Source ufcu.org
4.49%UsedUp to 48 months
TX
Published as Up to 48 months, not as a single monthly term.
Excellent credit tier rate (published tiers run to 16.75% for low/no score). Add 0.50% APR for vehicles more than 3 years old. Advertised as up to 48 months.
Checked Nov 11, 2026Source ufcu.org
5.14%Used49–66 months
TX
Published as 49–66 months, not as its own 66-month price.
Excellent credit tier rate (published tiers run to 17.20% for low/no score). Add 0.50% APR for vehicles more than 3 years old. Advertised as 49-66 months.
Checked Nov 11, 2026Source ufcu.org