Auto Loans · Dallas, Texas
15 credit unions in Dallas report car loan rates to the NCUA. Rates range from 3.35% to 12.50%.
Updated Q1 2026 · NCUA Call Report data
15
CUs Reporting Rates
3.35%
Lowest New Car Rate
6.10%
City Average Rate
15 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | FAITH COOPERATIVE ★ 4.5 · 4 reviews | 3.35% | 4.40% |
| 2 | OAK CLIFF CHRISTIAN ★ 4.4 · 25 reviews | 4.80% | 6.64% |
| 3 | METRO MEDICAL ★ 4.2 · 77 reviews | 5.15% | 5.15% |
| 4 | CITY ★ 4.9 · 3,349 reviews | 5.24% | 4.99% |
| 5 | BAYLOR HEALTH CARE SYSTEM ★ 3.3 · 39 reviews | 5.50% | 5.50% |
| 6 | METHODIST HOSPITAL EMPLOYEES ★ 4.0 · 5 reviews | 5.53% | 7.07% |
| 7 | NEIGHBORHOOD ★ 4.2 · 324 reviews | 5.55% | 6.31% |
| 8 | ADVANCIAL ★ 3.9 · 21 reviews | 5.56% | 7.40% |
| 9 | PRESTIGE COMMUNITY ★ 4.7 · 398 reviews | 5.99% | 6.68% |
| 10 | LONE STAR ★ 4.1 · 40 reviews | 6.00% | 6.00% |
| 11 | RESOURCE ONE ★ 3.8 · 216 reviews | 6.22% | 6.72% |
| 12 | NEIMAN MARCUS GROUP EMPLOYEES ★ 3.4 · 8 reviews | 6.23% | 6.75% |
| 13 | DALLAS U.P. EMPLOYEES ★ 4.9 · 3,349 reviews | 6.89% | 14.00% |
| 14 | SOUTHWEST AIRLINES ★ 3.6 · 76 reviews | 7.00% | 4.72% |
| 15 | THE LOCAL ★ 3.9 · 50 reviews | 12.50% | 12.75% |
15 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | FAITH COOPERATIVE ★ 4.5 · 4 reviews | 4.40% | 3.35% |
| 2 | SOUTHWEST AIRLINES ★ 3.6 · 76 reviews | 4.72% | 7.00% |
| 3 | CITY ★ 4.9 · 3,349 reviews | 4.99% | 5.24% |
| 4 | METRO MEDICAL ★ 4.2 · 77 reviews | 5.15% | 5.15% |
| 5 | BAYLOR HEALTH CARE SYSTEM ★ 3.3 · 39 reviews | 5.50% | 5.50% |
| 6 | LONE STAR ★ 4.1 · 40 reviews | 6.00% | 6.00% |
| 7 | NEIGHBORHOOD ★ 4.2 · 324 reviews | 6.31% | 5.55% |
| 8 | OAK CLIFF CHRISTIAN ★ 4.4 · 25 reviews | 6.64% | 4.80% |
| 9 | PRESTIGE COMMUNITY ★ 4.7 · 398 reviews | 6.68% | 5.99% |
| 10 | RESOURCE ONE ★ 3.8 · 216 reviews | 6.72% | 6.22% |
| 11 | NEIMAN MARCUS GROUP EMPLOYEES ★ 3.4 · 8 reviews | 6.75% | 6.23% |
| 12 | METHODIST HOSPITAL EMPLOYEES ★ 4.0 · 5 reviews | 7.07% | 5.53% |
| 13 | ADVANCIAL ★ 3.9 · 21 reviews | 7.40% | 5.56% |
| 14 | THE LOCAL ★ 3.9 · 50 reviews | 12.75% | 12.50% |
| 15 | DALLAS U.P. EMPLOYEES ★ 4.9 · 3,349 reviews | 14.00% | 6.89% |
A pre-approval from a Dallas 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 Dallas in the same window and take the best offer.
See member reviews, branch locations, and full rate details.