Online banking


Auto Loans

Save Big on the Journey Ahead

Texans are on the move, and whether you’re buying your first car or your dream car, an auto loan from Texans Credit Union keeps you moving. With the same competitive, low rates on new, used, and refinancing, Texans Credit Union keeps more money in your pocket so that you can enjoy the journey ahead.

New and Used Auto Loans

Put big savings back in your pocket with Texans Credit Union New and Used Car Loans. Enjoy competitive rates as low as 3.64% APR*, convenient closing options, and options to protect your loan. With our easy application and quick decision process, you could drive away in your new vehicle today!

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Refinance an Auto

Already purchased your vehicle? Get out of that higher interest loan and start saving by refinancing your vehicle with Texans Credit Union. We'll help you stay in the car you love with a monthly payment that you can afford. For a quick and easy decision process, apply online.

Apply Now

Auto Loan Features


Flexible terms up to 84 months on auto loans

Flexible Terms

Up to 100% financing on auto loans

Up to 100% Financing

personal service

Personal Service

Low rates starting at 1.99% APR on auto loans

Rates as Low as
3.64% APR*

Convenient loan closing options

Convenient Closing Options

Rate discount of .25% with automatic payments

Ask About No Payments
For Up to 90 Days1

Texans Preferred Dealer Program

Still looking for your dream car? Simplify your car buying experience with our Preferred Auto Dealer Program. Enjoy great deals and a single point of contact through the entire process to make finding and financing your dream car a breeze.

Preferred Dealer Program

Texans First-Time Car Buyer Support

Ready to purchase your first vehicle? Texans Credit Union is here to help. With our First-Time Buyer Program we help you build a sound financial future with competitive interest rates and flexible financing terms for monthly payments that are right for you.

First-Time Buyer Program

Protect Your Loan

Texans are confident when they are fully protected. We offer our members low-cost, full-protection options to safeguard you, your investment, and your credit. For your convenience, these options can easily be included in your monthly loan payment.



If your vehicle is totaled or stolen, your insurance may not cover its full value. GAP  coverage offers peace of mind by covering additional funds to pay off the vehicle loan and may provide up to $2,500 to use toward the purchase of a replacement vehicle.

Learn More

Mechanical Breakdown Protection 

Car repairs today are more expensive than ever. Fortunately, Texans offers its members Mechanical Breakdown Vehicle Protection coverage. Enjoy peace of mind coverage for expensive vehicle breakdowns, repairs, and more, all at an affordable cost, easily included in your monthly payment.

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Credit Life and Disability Coverage

At Texans Credit Union, we help our members be prepared in case tragedy strikes. Our Credit Life & Disability Protection safeguards your family, your credit, and your possessions for a minimal cost and leaves them protected in the case of a sudden accident.

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Recreational Vehicle Loans


Boats and Motorhomes

Whether you're traveling by land or sea, satisfy your taste for adventure when you finance your fun with Texans. Make your dream boat, motorhome, or travel trailer a reality with rates as low as 4.79% APR2


Motorcycles and ATVs

Whether adventure takes you down the open road or the dirt trail, Texans is here to help with motorcycle, ATV and UTV rates as low as 5.79% APR3

Apply Now

Membership Required. Loans are subject to credit approval.

* Annual Percentage Rate (APR). Rates are current as of 07/11/2022 and reflect rates available on auto loans only. Rates and terms are subject to change without notice. Rates shown require a maximum loan-to-value of 100% for a 0.25% rate discount. Certified Pre-Owned (CPO) purchases may be eligible for an additional 0.25% rate discount on extended terms with proof of Manufacturer’s certification. New vehicles are not eligible for the CPO rate discount. Rates, terms and conditions are determined by the overall creditworthiness of each applicant, collateral value, amount financed and other factors. Some restrictions may apply. Additional financing options available. Maximum vehicle mileage of 100,000. For loans with mileage over 100,000, add additional 0.50% to rate. For vehicles 2016 and older, add 1.00% rate increase. Refinance of an existing Texans auto loan includes a $50 fee. Financing is not available for commercial-use vehicles, salvaged or branded title vehicles. Other restrictions may apply.

Payment Example: Based on a $25,000 loan amount, the minimum monthly payment is $560.46 over a 48-month loan at 3.64% APR.

1 Subject to credit approval. Interest begins accruing upon loan disbursement. Deferred payment is optional. Only available on direct auto loans and at time of closing. Not available on existing auto loans. Other restrictions apply. Ask your loan processor for details.

2 Rates and terms applicable to Boat, RV and Travel Trailer loans only. Maximum age of vehicle is 10 years for posted rates. Additional financing is available. Restrictions may apply. Vehicles older than 10 years add 1.00% to the rate. Personal Watercraft have max 60-month term. Financing up to 120% of the retail value of the vehicle is available.

Payment Example: Based on a $20,000 RV loan amount, the minimum monthly payment is $375.50 over a 60-month loan at 4.79% APR

3 Rates and terms applicable to Motorcycle, ATV and UTV loans only. Maximum age of vehicle is 10 years for posted rates. Additional financing is available. Restrictions may apply. Vehicles older than 10 years add 1.00% to the rate. Motorcycles have a max term of 72 months for a minimum loan amount of $20,000. Financing up to 120% of the retail value of the vehicle is available. Certain restrictions apply.

Payment Example: Based on a $20,000 Motorcycle loan amount, the minimum monthly payment is $384.71 over a 60-month loan at 5.79% APR

Digitally Enabled and Incredibly Accessible!

  • Online Banking/Bill Pay
  • Mobile Banking
  • Mobile Deposit
  • Apple Pay
  • 70,000 Surcharge-Free ATMs - Worldwide
  • Enhanced ATM/Debit Card

All Texans Checking Accounts Are Digitally Enabled and Incredibly Accessible

Texans are smart and our checking accounts should be too. That's why all of our accounts are digitally focused and offer 24/7 access. Use the chart below to select the account that's right for you.

Purchase Rewards

Earn Cash Back Rewards, just for Using Your Texans Debit Card

Purchase Rewards allows you to earn cash back on items you already purchase from stores where you already shop! Here's how it works.

  1. Receive personalized offers directly in online or mobile banking
  2. Accept an offer and earn rewards for any qualifying purchases
  3. Get cash back directly deposited into your checking account the following month

Start earning cash back today!

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Money Management

Manage All of Your Personal Finances, Right Inside Online Banking

This personal financial management tool brings together all of your accounts from virtually every company you do business with, in one place to give you a total picture of your finances. Use it to:

  1. Create a budget that is easy to stick to
  2. Observe your spending behaviors and trends
  3. Gain valuable insight into where your money is going

With the ability to connect to over 20,000 institutions, you can connect and review all of your accounts in one place!

learn more

Financial Education Center

Important Articles About our Products & Services

Financial Education Center

70,000 Surcharge-Free ATMs

Access the World's Largest ATM Network with the Allpoint and CO-OP networks

Mobile Banking App

It's Like Having a Full-Service Branch on Your Phone or Tablet!

Manage your accounts, move money around, pay bills, and more:

  • Access accounts and view transactions
  • Fingerprint login capabilities for iOS and Android users
  • Mobile check deposit
  • Find your closest branch or surcharge-free ATM
  • View balances without logging in via Quick Balance


Mobile Deposit

All you need is your mobile phone and the Texans app to deposit checks anytime, anywhere. It's easy, convenient, and secure.

  1. Snap a picture of both sides of your signed check
  2. Choose the account for deposit
  3. Voila! Your check is deposited.

EMV Chip Technology

Protect Your Card Transactions from Fraud

All Texans debit and credit cards are now equipped with a fraud-fighting microchip that encrypts information when making transactions at a chip-enabled terminal.

  • Insert your card in the chip reader instead of swiping
  • You can still swipe your card when necessary
  • You can still use your card online or over the phone

Plus, chip cards are more widely accepted worldwide so your card is easier to use outside of the U.S.

Mastercard Debit Card

Open an Account

Visa Credit Card

Apply Now

VISA® Cards

Great Rate or Cash Back

Regardless of which card you choose, there are no annual fees with a Texans VISA card. Plus, you can transfer balances from your other high-rate cards without paying a balance transfer fee and take cash advances with no additional fees.

But that's not all. Your Texans VISA comes with online access where you can utilize our personal financial management tool, Money Management, to create a budget and gain valuable insight into where your money is going.

1 Rates subject to change and are based on personal credit history. For more information, visit our Rate Advantage VISA Card page.

2 For full cash back details and terms and conditions visit our Cash Rewards VISA Card page.

Mastercard® Debit Card

Cash With No Fees at 70,000 ATMs

Use your Texans Mastercard Debit Card at more than 70,000 surcharge-free ATMs worldwide through the Allpoint and CO-OP ATM networks, and anywhere Mastercard is accepted. Plus, your Texans Mastercard Debit Card will:

  • Double your manufacturer's warranty on purchases up to 12 Months*
  • Price protect purchases up to $250*
  • Provide a 60-day satisfaction guarantee on purchases for full refund of the purchase price*
  • Include Mastercard Global Service for emergency, one-day, temporary card replacement in the US*

Get a Texans Debit Card with your checking account today!

Compare Accounts Open an Account

* For full details and terms and conditions visit our Mastercard Debit benefits guide.

Courtesy Pay or Overdraft Protection

Protect your debit card transactions, ATM withdrawals, automatic payments and checks or EFTs from a declined transaction.

Overdraft Protection

Your first line of defense uses your accounts to cover overdrafts.

  • $5 fee for each transaction
  • Uses designated savings account or line-of-credit to pay overdrafts

Learn more about Overdraft Protection here

Call Us

972.348.2000 (800.843.5295)

Courtesy Pay

A one-time opt-in can provide an emergency backup against overdraft.

  • $35 fee for each transaction
  • May cover transactions that exceed your available balance, up to $750 (including fees)

Learn more about Courtesy Pay here

Opt In


Make the Switch to Mobile and Online Statements

Making the switch to eStatements is secure and easy. Here's how it works.

  • View and print statements right from your online or mobile banking
  • Up to 36 months of statements available for you anytime
  • Reduce waste while increasing your account security
Enroll in eStatements

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Guaranteed Asset Protection (GAP)

Texans GAP coverage could save you thousands. If your vehicle is totaled or stolen, your insurance may not pay to cover its full value. That’s where we come in. Our GAP coverage offers low-cost protection if you have a high-cost loss by covering additional funds needed to pay off the vehicle loan. And it’s available on most new and used auto, motorcycle and RV loans1.


Major Mechanical Protection

Car repairs today can set you back thousands of dollars. Fortunately, Texans offers its members Major Mechanical Protection (MMP) coverage. This protects you from the unexpected expense of vehicle repairs. There’s absolutely no deductible for repairs and you don’t have to wait for reimbursement — all repair costs are covered up front. Available on most new and used auto loans2.

Learn More


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