--- title: "Cosden Credit Union Rates (Nov 2026): Vehicle 4.50%" description: "Cosden Credit Union rates today: vehicle loans from 4.50% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Cosden Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/texas/cosden" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Cosden Credit Union Rates (Nov 2026): Vehicle 4.50% ### Auto & vehicle rates 3 offers | Product | Published | Rate | Term / condition | Status | | **New & Used Car Loan** auto_any | 4.500% APR | 4.500% | any | Standard | | **Motorcycles, Travel Trailers, and Boat Loan** motorcycle_any_36mo | — APR | 4.500% | 36 mo | Standard | | **Auto Loan** auto | — APR | 4.990% | — | Standard | Cosden Credit Union auto & vehicle rates as of November 12, 2026 ### Personal loan rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Signature Loan** personal_unsecured | — APR | 8.000% | — | Standard | Cosden Credit Union personal loan rates as of November 12, 2026 ### Savings & CD rates 8 offers | Product | Published | Rate | Term / condition | Status | | **Regular Share Account** share_savings | 0.35% APY | 0.35% | — | Context only | | **Club Account** savings | 0.35% APY | 0.35% | — | Specialty offer | | **Money Market** money_market | 0.65% APY | 0.65% | — | Context only | | **Business Checking Account** checking | 0.75% APY | 0.75% | — | Eligibility restricted | | **Kasasa Saver** savings | 2.00% APY | 2.00% | — | Context only | | **All IRA Account** ira | 2.40% APY | 2.40% | — | Context only | | **Kasasa Cash Checking** checking | 6.00% APY | 6.00% | — | Context only | | **Kasasa Cash Back Checking** checking | 6.00% APY | 6.00% | — | Context only | Cosden Credit Union savings & cd rates as of November 12, 2026 ### Other rates 1 offer | Product | Published | Rate | Term / condition | Status | | **PAL Loan** other | — % | 18.000% | — | Standard | Cosden Credit Union other rates as of November 12, 2026 Vehicle loans available from 4.5% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/texas/cosden) , verified from [Cosden Credit Union's official website](https://www.cosden.org/) Loading branch locator… ## About Cosden Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 4.3K Assets $63.8M Founded 1936 Locations reported 1 NCUA charter 1750 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Financial counseling - Bilingual services - Payday Alternative Loans I Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Complex Community** BIG SPRING · Big Spring · TX · 79720 About 3.3 miles away](https://rateapi.dev/credit-unions/texas/complex-community) [**Citizens** Big Spring · Big Spring · TX · 79720 About 3.5 miles away](https://rateapi.dev/credit-unions/texas/citizens) [**Big Spring Education Employees** BIG SPRING EDUCATION EMPLOYEES FCU · BIG SPRING · TX · 79720 About 3.9 miles away](https://rateapi.dev/credit-unions/texas/big-spring-education-employees) [**Heritage Usa** Heritage USA Federal Credit Union · Midland · TX · 79706 About 26.1 miles away](https://rateapi.dev/credit-unions/texas/heritage-usa) [**MY Community** Big Spring St · Midland · TX · 79705 About 35.8 miles away](https://rateapi.dev/credit-unions/texas/my-community) [**MTCU** MTCU Big Spring Street Branch · Midland · TX · 79705-5313 About 35.9 miles away](https://rateapi.dev/credit-unions/texas/mtcu) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Cosden Credit Union Membership eligibility from Cosden Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Cosden Credit Union's website. Check the membership page below to confirm whether you qualify. Verified from [Cosden Credit Union's membership page](https://www.cosden.org/pages/join.php) . Final membership determination is always made by the credit union. ## Membership rules for Cosden Credit Union Geography 1 county · Family 2 published paths to membership, last verified August 21, 2026, quoted from Cosden Credit Union’s own published criteria. ### Geography 1 Auto-verified against the source page from NCUA regulator charter records · last verified August 5, 2026 - Howard County, TX “NCUA call report 2026-03-31: TOM_CODE=00 (community charter); branch footprint: Howard County, TX” > [source ↗](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Family of a member “Cosden Federal Credit Union provides all the benefits of a member-owned financial institution to all persons and their immediate family members” > [source ↗](https://www.cosden.org/pages/join.php) - Family member of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Cosden Credit Union? Yes No ## Work at Cosden Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Cosden Credit Union ranks against Texas peers. - See which AI assistants fetched Cosden Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Texas - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=cosden&state=texas&code=TX&name=Cosden%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Cosden Credit Union offer? Cosden Credit Union currently offers vehicle loan, and personal loan rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Cosden Credit Union rates updated? RateAPI verifies Cosden Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Cosden Credit Union's rate data? Rate data is collected directly from Cosden Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What are Cosden Credit Union's auto & motorcycle loan rates? As of November 12, 2026, Cosden Credit Union offers vehicle loans from 4.5% APR. ### Who can join Cosden Credit Union? Cosden Credit Union publishes its membership criteria on its own website. RateAPI tracks 2 published membership paths covering 1 county for Cosden Credit Union, each quoted from Cosden Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Cosden Credit Union's rates against national credit-union benchmarks. [More Texas credit unions](https://rateapi.dev/credit-unions/texas) [Texas auto loan rate leaders](https://rateapi.dev/auto-loan-rates/texas) [Texas personal loan leaders](https://rateapi.dev/personal-loan-rates/texas) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.cosden.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Cosden Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Texas credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Cosden Credit Union curl "https://api.rateapi.dev/credit-unions/texas /cosden " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Cosden Credit Union locations Search, filter, and browse all 1 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/texas/cosden Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp