Individual car loan interest rates are going to vary based on your credit score, but a quick look at some of the annual percentage rates offered by the largest credit unions in the country shows that they do tend to be fairly low. Education Credit Union (ECU) typically offers among the lowest rates in the Amarillo area, if not the lowest. We strive to make not only our physical branches accessible, but also to conform to WCAG 2.0 guidelines for website accessibility. We cannot warranty, expressed or implied, any external site. Rates & Details >> Mark Your Calendar Free Personal Finance Webinar. Rates start at 7.9% then move to 8.9%, 11.9% and 17.9%. Educators does not represent either the third party or the member if the two enter into a transaction. You can also apply by stopping into any OHecu office or by calling our 24/7 Member Services Center at 877-322-6328. Apply online now. Education Credit Union is committed to serving all persons within our field of membership, including those with disabilities. Rates & Details >> ~ ~ ~ ~ ~ ~ MEMBERSHIP. As of the first quarter of 2020, borrowers with the highest credit scores were, on average, nabbing interest rates … We offer financing up to 84 months 1 for new auto loans and up to 72 months 1 for used auto loans. We now offer the same interest rate on new or used vehicle loans up to 72 months. APR=Annual Percentage Rate. This is an exclusive protection only available when you finance your vehicle loan with ECU. Put the brakes on expensive car repairs. BE sure to TALK TO ECU BEFORE YOU BUY so you can negotiate your very best deal. Pre-approval helps you avoid purchasing based on “payment”. Skip to Main Content Skip to Sitemap × You are about to leave the Educational Systems Federal Credit Union website. As a member of a credit union, you are able to enjoy rates on savings accounts that are usually better than what banks offer. Insurance Settlement: $15,000 See our car loan rates and apply. Click here to apply online. LOAN TIPS CURRENT RATES LOAN APPLICATION . We offer some of the lowest rates in the Amarillo area! Auto Loan Refinancing. Extended coverage can help you save money if your car ever needs to be repaired and your manufacturer’s warranty has expired. Contact ECU for full details. Payment example: monthly payment is $17.47 per $1,000 borrowed for a 5-year … New and USED CAR INFORMATION is always available to members through ECU’s lobby computer and vehicle library. Apply online or in branch today! Lower interest rates. Floor rate 3.00% APR. Education First Federal Credit Union services Beaumont, TX & the surrounding areas with auto loans to help you buy the car, truck or motorcycle that you want. NEW and USED AUTO LOANS. Shares and Deposit Account Secured GAP protection will pay the difference between an insurance settlement and the payoff balance of your loan or lease. And we have years of experience providing auto loans in the Milwaukee area. The minimum that can be refinanced is $5,000. GAP Pays: $3,000. Consider adding an extended service contract to your loan. Are you thinking about trading in your current vehicle for one that has better gas mileage? This valuable service helps you save money and determine the value of your trade BEFORE YOU SHOP! Credit unions offer many of the same conveniences as larger banks like mobile banking, online banking, ATM networks, online bill pay and much more. *Stated Annual Percentage Rates are with approved credit, effective as of September 1, 2020, which are subject to change without notice. Please consult a credit union representative for an accurate rate. Search your purchase with Carfax first ($39.99), then, if you finance the purchase at the credit union within 60 days, we’ll reimburse your research fee up to $39.99. Auto Loans From ECU: Approval for the ride you want. AUTO LOANS. New Auto Loan interest rate may be applied to cars up to 2 years old. Pre-owned car buyers look more favorable upon a vehicle that comes with coverage. Auto Loans From ECU: Approval for the ride you want. AUTO LOANS. Education Credit Union is committed to serving all persons within our field of membership, including those with disabilities. Education Credit Union is offering the link for your convenience. CREDIT … Check out ECU's great rates on an Auto Loan to fit your needs. Certificates Secured Membership and eligibility requirements apply. Education First Gold and Platinum Visa both offer 4.99% APR on balance transfers, cash advances and purchases for 6 billing cycles. Rates are variable and may change at any time. Auto Loan Rates; Year Loan Rate* as low as; 2017 - 2020: 2.99% APR: 2011 - 2016: 3.25% APR: 2010 & Older: 3.75% APR * Rates may vary based on your credit history. Visit our I-40 branch to test drive and place a bid! Low rates on mortgage, home equity, car, boat, RV, personal, EnergyWise, and educator loans. The web site you have selected is an external one located on another server. The U.S. Department of Energy (DOE) and U.S. Environmental Protection Agency (EPA) has published their 2014 Fuel Economy Guide. Experian's quarterly State of the Automotive Finance Market takes a look at the average auto loan interest rate paid by borrowers whose scores are in various credit score ranges. click here to see if the fuel savings is cost effective for you and your family. For example, if your car is stolen or totaled vehicle, we offer this service for a flat rate of $450.00 while dealers charge a percentage of the loan amount. Coverage obtained through the ECU may save you money when compared to dealer plans. If you already have an auto loan financed at another bank or credit union, refinance with OHecu to save on your monthly payments. Contact your ECU loan representative @ 806-358-7777 for more info. ECU offers quick service and advice when you need it. Through January 31st Rates & Details >> Cell Phones, Tablets, & More As Low As 3% APR* Rates & Details >> Get 2X Points thru Dec 31st Visa Platinum Credit Card. Convenient Access to Services via Toll-Free Number. There are a variety of home loans, including: Mortgage rates vary depending on many factors. Example: A $20,000 new or pre-owned auto loan at a fixed rate of 2.99%​​ APR for 60 months would require 60 monthly payments of $17.97 per $1,000 borrowed. Loan amount after one year: $18,000 Pre-approval lets you know how much car you can afford and saves time when you find the one you want. Auto Loan Rates - New Autos APR* (as low as) Minimum Loan Amount Payment per $1,000; Up to 36 months: 2.69%: $500: $28.95: 37 to 48 months: 2.69%: … Online Auto-Buying Tools. It represents a vehicle that has likely been well maintained by its owner. Financing options up to 100% of dealer cost on new … Credit unions are often able to offer better rates on savings accounts over banks because they are not for-profit financial institutions, but are member-owned. We offer some of the lowest rates in the Amarillo area! College Graduate Program. With TotalRestart you may be eligible for a credit when you return to ECU for financing of a replacement vehicle. So we’re equipped to help you make the most of your money and your car-buying experience. For a loan for home improvements, the average rate charged in ROI was 9.21% APR. We now offer the same interest rate on new or used vehicle loans up to 72 months. GAP covers the difference between your primary carrier insurance settlement and the payoff of your loan or lease, less the delinquent payments, late charges, refundable service warranty contracts, and other insurance related charges. Members may be eligible for discounts listed below: Preferred Member Discount (PMD) Rate discounted .25% if member has one of the following: 5+ years ECCU membership or ECCU checking 3 months good standing or ECCU Visa credit card 3 months good standing or ECCU IRA 1+ years. A benefit that will help protect you against vehicle rapid deprecation and gives you an opportunity for a fresh “Restart” if you experience a total loss on your vehicle. To obtain current rate information call (405) 722-2234 or 1-800-324-8259. Educational Systems Federal Credit Union offers competitive rates on new and used auto loans. Education Credit Union is offering the link for your convenience. We have partnered with an auto research service so that you can find out more about the vehicles you’re interested in. College Grad Discount - 2019 and 2020 graduates can save .25% off MECU's current auto loan rates. Visit a branch, Call, or Apply Online. *Rate depending on credit worthiness. Payment must be made through payroll deduction or ACH. Educators Credit Union makes it easy for you to get the vehicle you want. Privacy and security policies may differ from those practiced by Education Credit Union. Financing your used car with the lowest interest rate possible can help you save money. Fees may reduce earnings on deposit accounts. Here’s a roundup of some of the top credit union loans for cars — offering the lowest auto financing rates, the best terms, the best credit union auto loan rates and the overall best auto loans to its members. ***Loan Department approval required; decision may be affected by your credit history and other criteria. 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