Auto Loans · Wharton, Texas
2 credit unions in Wharton report car loan rates to the NCUA. Rates range from 3.79% to 6.60%.
Updated Q1 2026 · NCUA Call Report data
2
CUs Reporting Rates
3.79%
Lowest New Car Rate
5.20%
City Average Rate
2 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | WHARTON COUNTY TEACHERS | 3.79% | 5.10% |
| 2 | TEXASGULF ★ 3.0 · 21 reviews | 6.60% | 9.52% |
2 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | WHARTON COUNTY TEACHERS | 5.10% | 3.79% |
| 2 | TEXASGULF ★ 3.0 · 21 reviews | 9.52% | 6.60% |
A pre-approval from a Wharton 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 Wharton in the same window and take the best offer.
See member reviews, branch locations, and full rate details.