Auto Loans · Beaumont, Texas
8 credit unions in Beaumont report car loan rates to the NCUA. Rates range from 4.56% to 6.34%.
Updated Q1 2026 · NCUA Call Report data
8
CUs Reporting Rates
4.56%
Lowest New Car Rate
5.50%
City Average Rate
8 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | BEAUMONT COMMUNITY ★ 3.6 · 20 reviews | 4.56% | 4.96% |
| 2 | PEAR ORCHARD ★ 1.0 · 1 reviews | 4.59% | 5.21% |
| 3 | RAVE FINANCIAL ★ 3.9 · 46 reviews | 5.25% | 5.25% |
| 4 | COMMON CENTS ★ 4.6 · 35 reviews | 5.44% | 5.91% |
| 5 | EDUCATION FIRST ★ 4.8 · 311 reviews | 5.45% | 5.99% |
| 6 | DUGOOD ★ 3.6 · 43 reviews | 6.10% | 6.10% |
| 7 | COBURN ★ 1.0 · 1 reviews | 6.25% | 7.75% |
| 8 | UNION PACIFIC EMPLOYEES ★ 3.7 · 3 reviews | 6.34% | 8.17% |
8 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | BEAUMONT COMMUNITY ★ 3.6 · 20 reviews | 4.96% | 4.56% |
| 2 | PEAR ORCHARD ★ 1.0 · 1 reviews | 5.21% | 4.59% |
| 3 | RAVE FINANCIAL ★ 3.9 · 46 reviews | 5.25% | 5.25% |
| 4 | COMMON CENTS ★ 4.6 · 35 reviews | 5.91% | 5.44% |
| 5 | EDUCATION FIRST ★ 4.8 · 311 reviews | 5.99% | 5.45% |
| 6 | DUGOOD ★ 3.6 · 43 reviews | 6.10% | 6.10% |
| 7 | COBURN ★ 1.0 · 1 reviews | 7.75% | 6.25% |
| 8 | UNION PACIFIC EMPLOYEES ★ 3.7 · 3 reviews | 8.17% | 6.34% |
A pre-approval from a Beaumont 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 Beaumont in the same window and take the best offer.
See member reviews, branch locations, and full rate details.