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Loan Rates

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Reap the benefits of a loan from Brazos Star CU!


  • Competitive rates on new or used cars and trucks
  • Refinance an existing auto loan financed with another lender at a lower rate
  • Get pre-approved for less hassle at the dealership
  • Flexible terms for affordable payment plans
  • Convenient automatic payments; monthly, semi-monthly, or bi-weekly options
  • No prepayment penalty to pay off loan quickly
  • One-on-one personal service with Brazos Star Credit Union’s expert auto lender
  • Local processing — local decisioning for fast approvals

Now, Get A First Payment Deferral of 60 Days!

All loan rates shown below are quoted as Annual Percentage Rates (abbreviated APR). All consumer loans are calculated on a simple interest basis and carry no pre-payment penalties or pre-paid interest charges. Optional credit life and credit disability insurance is available to most borrowers on all types of loans through CUNA MUTUAL INSURANCE. Loan rates are published showing qualifying ranges by loan types. Your Annual Percentage Rate is determined by your individual credit rating score that is obtained from a credit reporting agency. Your interest rate, term and payment amount will be determined when we process your loan application. Rates and terms are subject to change without notice.

Loan TypeMaximum TermAPR Ranges (%)*
New or Used Automobiles up to 3 years old 2022-2019 ( Take a courtesy credit of 0.25% if financed less than 36 months)Up to 48 MonthsAs low as 4.49%
60 MonthsAs low as 4.99%
72 MonthsAs low as 5.49%
*Vehicles over $50,00084 MonthsAs low as 5.99%
Used Vehicles older than 3 years 48 MonthsAs low as 4.99%
54 MonthsAs low as 5.24%
60 MonthsAs low as 5.74%
NEW!72 MonthsAs low as 5.99%
(Mileage over 85,000, add .50% to rate Maximum financing terms < 150,000
New Boats, Motors and Trailers Up to 72 MonthsAs low as 6.00%
*New Units >$65kUp to 96 MonthsAs low as 6.50%
Used Boats, Motors and Trailers Up to 60 MonthsAs low as 6.25%
Up to 72 MonthsAs low as 6.99%
*Used units >$65kUp to 84 MonthsAs low as 6.99%
Farm EquipmentUp to 60 MonthsAs low as 7.50%
Farm Trailers up to 16 ft.Up to 60 MonthsAs low as 7.50%
MotorcyclesUp to 36 MonthsAs low as 8.00%
37 – 60 MonthsAs low as 8.25%
New 4-Wheelers, Mules and Golf CartsUp to 60 MonthsAs low as 7.50%
Used 4-Wheelers, less than 3 yearsUp to 36 MonthsAs low as 7.50%
CashNOW Pal12 Months28% APR + $20.00 Fee
Personal LoansUp to 60 Months13.00% – 18.00% APR
Back on Track Loans Up to 60 Months 5.99% – 11.50% APR
Share or Certificate Secured LoanTerm Varies4.00% APR

Note: Not all borrowers may receive the lowest rate. Rates are subject to change at any time without Notice. Some conditions apply. Brazos Star Credit Union also offers competitive pricing on Vehicle GAP and Warranty Service products.

Year, make and mileage of a new or used vehicle are a factor in in the loan rate offered to approved borrowers. A down payment may be required on certain loan arrangements.

Brazos Star now offers a loan payment portal to make loan payments easily and securely called REPAY. REPAY is used to set up recurring or single pay ACH or Debit card payment options for our borrowers. REPAY is a no-cost loan repayment program when used exclusively with the recurring ACH payment option. This option utilizes a valid Routing and Transit Number and an active account number from another financial institution. A convenience fee of $ 8.95 will be assessed when used as a one-time payment with another financial institution’s DEBIT CARD.

CashNOW loans are now available up to $2,000.00. The application fee for a CashNOW loan is $20.00. This amount may not be included in the loan amount. Term maximum on a CashNOW loan is 12 months.

The credit union may offer other rates or promotions in the future. Special promotional or refinancing rates do not apply to loans already financed at the credit union. Rates and terms are subject to change at any time. Brazos Star Credit Union offers closed-end, simple interest loans for fixed terms and VISA© branded credit card lines of credit for qualified borrowers.

Brazos Star Credit Union is an Equal Housing Lender. MEMBER NCUA