Auto Loans · Midland, Texas
5 credit unions in Midland report car loan rates to the NCUA. Rates range from 4.48% to 7.39%.
Updated Q1 2026 · NCUA Call Report data
5
CUs Reporting Rates
4.48%
Lowest New Car Rate
5.83%
City Average Rate
5 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | HERITAGE USA ★ 3.8 · 39 reviews | 4.48% | 6.86% |
| 2 | MY COMMUNITY ★ 3.6 · 186 reviews | 5.49% | 5.74% |
| 3 | MEMBERS FINANCIAL ★ 3.7 · 30 reviews | 5.50% | 5.75% |
| 4 | MIDLAND MUNICIPAL EMPLOYEES ★ 5.0 · 1 reviews | 6.30% | 6.10% |
| 5 | MTCU ★ 4.7 · 198 reviews | 7.39% | 7.89% |
5 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | MY COMMUNITY ★ 3.6 · 186 reviews | 5.74% | 5.49% |
| 2 | MEMBERS FINANCIAL ★ 3.7 · 30 reviews | 5.75% | 5.50% |
| 3 | MIDLAND MUNICIPAL EMPLOYEES ★ 5.0 · 1 reviews | 6.10% | 6.30% |
| 4 | HERITAGE USA ★ 3.8 · 39 reviews | 6.86% | 4.48% |
| 5 | MTCU ★ 4.7 · 198 reviews | 7.89% | 7.39% |
A pre-approval from a Midland 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 Midland in the same window and take the best offer.
See member reviews, branch locations, and full rate details.