Auto Loans · Amarillo, Texas
9 credit unions in Amarillo report car loan rates to the NCUA. Rates range from 4.50% to 7.58%.
Updated Q1 2026 · NCUA Call Report data
9
CUs Reporting Rates
4.50%
Lowest New Car Rate
5.97%
City Average Rate
9 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | AMARILLO POSTAL EMPLOYEES ★ 4.5 · 8 reviews | 4.50% | 4.50% |
| 2 | SANTA FE ★ 3.9 · 74 reviews | 4.74% | 6.10% |
| 3 | ACCESS COMMUNITY ★ 4.9 · 886 reviews | 5.49% | 6.49% |
| 4 | ACFCU ★ 4.5 · 915 reviews | 5.84% | 7.13% |
| 5 | EDUCATION ★ 3.7 · 55 reviews | 5.97% | 7.87% |
| 6 | THE PEOPLE'S ★ 4.3 · 170 reviews | 6.04% | 6.44% |
| 7 | CITY ★ 3.4 · 36 reviews | 6.26% | 7.72% |
| 8 | TEXAS PLAINS ★ 3.9 · 43 reviews | 7.35% | 5.30% |
| 9 | INTERCORP ★ 3.7 · 3 reviews | 7.58% | 11.28% |
9 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | AMARILLO POSTAL EMPLOYEES ★ 4.5 · 8 reviews | 4.50% | 4.50% |
| 2 | TEXAS PLAINS ★ 3.9 · 43 reviews | 5.30% | 7.35% |
| 3 | SANTA FE ★ 3.9 · 74 reviews | 6.10% | 4.74% |
| 4 | THE PEOPLE'S ★ 4.3 · 170 reviews | 6.44% | 6.04% |
| 5 | ACCESS COMMUNITY ★ 4.9 · 886 reviews | 6.49% | 5.49% |
| 6 | ACFCU ★ 4.5 · 915 reviews | 7.13% | 5.84% |
| 7 | CITY ★ 3.4 · 36 reviews | 7.72% | 6.26% |
| 8 | EDUCATION ★ 3.7 · 55 reviews | 7.87% | 5.97% |
| 9 | INTERCORP ★ 3.7 · 3 reviews | 11.28% | 7.58% |
A pre-approval from a Amarillo 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 Amarillo in the same window and take the best offer.
See member reviews, branch locations, and full rate details.