Auto Loans

Rates as low as
1.99% APR1

Quick & Easy Financing with CRCU.

A blue Get Pre-Approved icon badgeWhen you can walk into the auto dealership with the affordable financing you need already in hand… that’s an amazing feeling. Getting pre-approved for a CRCU vehicle loan makes it possible. With our great-rate loan, you can focus on negotiating the best price, take advantage of cash-back offers, and skip the lengthy financing process at the dealership. 
  • Low Rates
  • Low Payments
  • Flexible Terms
  • Plus - 90 Days No Payment!2
  • Quick & Easy Loan Application 
A woman getting her child in car-seat in the vehicle

Get the Best Auto Refi Rates!

Move your current loan to CRCU to take advantage of a lower rate without the added cost!

  • Quick & Easy Financing
  • Competitive Rates
  • Terms That Work For You 

member auto center mockup on laptop

CRCU's Preferred Auto Dealers

Member Auto Center is your source for all of your auto buying needs. With our easy search and expert assistance, you can research new autos, search pre-owned inventory, get free price quotes, discover your trade-in value and so much more! Take the guesswork out of auto shopping. Our preferred dealers are ready and waiting to help you find your next new or pre-owned car!


Visiting a dealership can be overwhelming. With CRCU and Auto Center, we make the car buying experience safe and easy.

  • Search new and pre-owned vehicles
  • Calculate your monthly payment
  • Submit for a no obligation price quote
  • Get a listing of all participating dealers
  • Get an auto check vehicle Report

Before purchasing your next auto, be sure to follow these 3 easy steps: 

  1. Visit to research vehicles and get pre-approved for your auto before you ever get to the showroom floor.
  2. Find a Preferred Dealership and ask for the Credit Union Representative by his or her name.
  3. Contact 832-912-2182 for auto buying assistance.

Loan Type  up to 48 mos.
APR1 as low as
72 months
APR1 as low as
78 months
APR1 as low as
84 months
APR1 as low as
New Autosa
Fewer than 7,500 miles
1.99% 2.93% 3.43% 3.93%
Used Autosa
Fewer than 100,000 miles
1.99% 2.93% 3.43% n/a
1APR = Annual Percentage Rate. All loans subject to credit approval, some restrictions may apply. Payment example: a $30,000 loan with a 48-month term at 1.99% APR = $702.62 monthly payment. Reflected annual percentage rate and monthly payment example includes all applicable discounts: including a .50% basis point discount by establishing a CRCU checking account with direct deposit equal to or greater than monthly loan payment and a discount for a monthly premium for Payment Protection, which includes Credit Life and Disability Insurance. Credit Life and Disability Insurance is not required. Your monthly payments include principal and interest and may be higher or lower depending on the loan amount, APR and term. Rates current as of 07/07/22 and are subject to change based on market conditions and borrower eligibility. Other rates and terms available. May not be combined with other offers. All loans and rates are subject to approval and some restrictions may apply.  All loans closed directly at the dealership must be pre-approved at the credit union and closed at the pre-qualified rate to qualify for the rate discount. This offer is valid for refinances from another financial institution or for a new or used auto loan purchase. Not available to refinance an existing CRCU auto loan. Subject to mileage and vehicle age limitations. The minimum approved loan amount is $5,000.00. Membership required. 2Payment will not be required during the deferred period for the first 90 days. Interest will accrue during the deferment period. Offer subject to change or cancellation without notice. 3This offer cannot be combined with any other offer and CRCU reserves the right to discontinue promotions without notice at any time for any reason. Must be 18 years or older and a legal resident of Texas to win. No purchase or service acquisition necessary. Gas for entire year is valued at $3,500. Auto loans & refis closed between June 15th through November 30th, 2022 will be entered to win a $3,500 cash/check prize. One (1) individual, winner to be awarded by random drawing on or before 12/16/22 at CRCU Headquarters and contact the winner by phone. Member must be in good standing at the time of the drawing to qualify and employees are not eligible to participate. A 1099 will be issued to the winner in January 2023. No Purchase Necessary. Other restrictions may apply. Anyone 18+ who does not qualify by funding a qualified CRCU auto loan can enter the drawings by sending a 3x5 postcard with their name, address and phone number to: CRCU – Auto Loan Promo, P.O. Box 3181, Baytown, TX 77522 . All postcard entries must be postmarked by November 30th, 2022. One postcard per individual and odds of winning are based on the number of entries.

A woman driving her top down car with her dog in the backseat

Need Assistance?

For personal help with your loan application, drop by your neighborhood CRCU branch or give us a call at (800) 238-3228.

Contact Us

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