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Best for: Greater Austin, TX borrowers refinancing an auto loan

Austin Telco Federal Credit Union

Austin Telco FCU — published auto rates of 5.54%–6.49%, terms up to 84 months.

Min credit
Not disclosed
APR
5.54%–6.49%
Max vehicle age
Not disclosed
Max mileage
Not disclosed

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"Not disclosed" means Austin Telco Federal Credit Union does not publish this on their public site. "No restriction" means Austin Telco Federal Credit Union explicitly states no limit.

Overview

Austin Telco Federal Credit Union serves the greater Austin, Texas area and refinances vehicle loans. Its loan rate table lists rates of 5.54% to 6.49% for new and used autos (expressed as low as), with terms up to 84 months, and its vehicle loans page says those rates apply to new, used, or refinan…

What’s great

  • Refinances vehicle loans
  • Published rates of 5.54%–6.49% for new and used autos
  • Terms up to 84 months

What to know

  • Credit union membership is required; eligibility is tied to the greater Austin, TX service area
  • Minimum credit score is not published

Eligibility

Minimum credit scoreNot disclosed
APR range5.54% – 6.49% (rates expressed as low as; apply to new, used, or refinance vehicle loans; the published table column is labeled APY while the page footnote defines APR)
Maximum vehicle ageNot disclosed
Maximum mileageNot disclosed
Loan amount rangeNot disclosed
Term lengthUp to 84 months
States served1 states
Membership requirementServing members from Georgetown to San Marcos, and Taylor to Marble Falls (greater Austin, Texas area)

FAQ

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Sources

Every figure on this page is sourced from Austin Telco Federal Credit Union's own published materials. Rates, eligibility, and terms can change — verify directly with Austin Telco Federal Credit Union before applying.

  1. [1]Loan Rates — Austin Telco Federal Credit Union
    https://www.atfcu.org/rates/loan-rates
    Last checked: October 2026
  2. [2]Vehicle Loans — Austin Telco Federal Credit Union
    https://www.atfcu.org/products/vehicle-loans
    Last checked: October 2026
  3. [3]Auto Loans — Austin Telco Federal Credit Union
    https://www.atfcu.org/products/auto-loans
    Last checked: October 2026