Auto Loans · Mcallen, Texas
3 credit unions in Mcallen report car loan rates to the NCUA. Rates range from 3.68% to 7.48%.
Updated Q1 2026 · NCUA Call Report data
3
CUs Reporting Rates
3.68%
Lowest New Car Rate
5.16%
City Average Rate
3 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | SOUTH TEXAS ★ 4.0 · 89 reviews | 3.68% | 4.49% |
| 2 | HIGHWAY DISTRICT 21 ★ 4.5 · 8 reviews | 4.31% | 4.21% |
| 3 | SECURITY FIRST ★ 2.7 · 56 reviews | 7.48% | 8.13% |
3 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | HIGHWAY DISTRICT 21 ★ 4.5 · 8 reviews | 4.21% | 4.31% |
| 2 | SOUTH TEXAS ★ 4.0 · 89 reviews | 4.49% | 3.68% |
| 3 | SECURITY FIRST ★ 2.7 · 56 reviews | 8.13% | 7.48% |
A pre-approval from a Mcallen 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 Mcallen in the same window and take the best offer.
See member reviews, branch locations, and full rate details.