Auto Loans · Abilene, Texas
6 credit unions in Abilene report car loan rates to the NCUA. Rates range from 4.74% to 5.99%.
Updated Q1 2026 · NCUA Call Report data
6
CUs Reporting Rates
4.74%
Lowest New Car Rate
5.32%
City Average Rate
6 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | COMMUNITIES OF ABILENE ★ 4.1 · 110 reviews | 4.74% | 5.04% |
| 2 | FIRST WATCH ★ 3.4 · 29 reviews | 4.86% | 5.40% |
| 3 | TXDOT ★ 5.0 · 5 reviews | 5.36% | 6.81% |
| 4 | ABILENE TEACHERS ★ 4.5 · 136 reviews | 5.46% | 6.45% |
| 5 | E M O T ★ 4.4 · 5 reviews | 5.49% | 7.69% |
| 6 | FIRST PRIORITY ★ 4.5 · 17 reviews | 5.99% | 5.99% |
6 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | COMMUNITIES OF ABILENE ★ 4.1 · 110 reviews | 5.04% | 4.74% |
| 2 | FIRST WATCH ★ 3.4 · 29 reviews | 5.40% | 4.86% |
| 3 | FIRST PRIORITY ★ 4.5 · 17 reviews | 5.99% | 5.99% |
| 4 | ABILENE TEACHERS ★ 4.5 · 136 reviews | 6.45% | 5.46% |
| 5 | TXDOT ★ 5.0 · 5 reviews | 6.81% | 5.36% |
| 6 | E M O T ★ 4.4 · 5 reviews | 7.69% | 5.49% |
A pre-approval from a Abilene credit union lets you negotiate on price, not payment. The dealer can try to beat the rate — but you're in control either way.
Multiple auto loan applications within 14–45 days count as a single hard inquiry. Apply at several credit unions in Abilene in the same window and take the best offer.
See member reviews, branch locations, and full rate details.