Auto Loans · Texas City, Texas
2 credit unions in Texas City report car loan rates to the NCUA. Rates range from 5.49% to 5.84%.
Updated Q1 2026 · NCUA Call Report data
2
CUs Reporting Rates
5.49%
Lowest New Car Rate
5.67%
City Average Rate
2 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | GULF SHORE ★ 4.1 · 14 reviews | 5.49% | 5.79% |
| 2 | AMOCO ★ 4.4 · 262 reviews | 5.84% | 6.48% |
2 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | GULF SHORE ★ 4.1 · 14 reviews | 5.79% | 5.49% |
| 2 | AMOCO ★ 4.4 · 262 reviews | 6.48% | 5.84% |
A pre-approval from a Texas City 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 Texas City in the same window and take the best offer.
See member reviews, branch locations, and full rate details.