--- title: "Prestige Community Credit Union: #1 Used Auto Loan in Texas" description: "Prestige Community Credit Union has the lowest tracked used-car loan rate in Texas (4.64% APR) among 61 credit unions we verify. Prestige Community Credit Union rates today: vehicle loans from 4.64% APR, savings & CDs up to 4.15% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join Prestige Community Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/texas/prestige-community" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Prestige Community Credit Union: #1 Used Auto Loan in Texas ### Auto & vehicle rates 12 offers | Product | Published | Rate | Term / condition | Status | | **New Vehicle Loan (Car / Truck / SUV) (Up to 36 Months)** auto_new_36mo | 4.640% APR | 4.640% | 36 mo · new | Standard | | **Used Vehicle Loan (Car / Truck / SUV) (Up to 36 Months)** auto_used_36mo | 4.640% APR | 4.640% | 36 mo · used | Standard | | **New Vehicle Loan (Car / Truck / SUV) (Up to 48 Months)** auto_new_48mo | 4.740% APR | 4.740% | 48 mo · new | Standard | | **Used Vehicle Loan (Car / Truck / SUV) (Up to 48 Months)** auto_used_48mo | 4.740% APR | 4.740% | 48 mo · used | Standard | | **Vehicle Lease (Up to 48 Months)** auto_any_48mo | 4.990% APR | 4.990% | 48 mo | Standard | | **New Vehicle Loan (Car / Truck / SUV) (Up to 60 Months)** auto_new_60mo | 5.040% APR | 5.040% | 60 mo · new | Standard | | **Used Vehicle Loan (Car / Truck / SUV) (Up to 60 Months)** auto_used_60mo | 5.040% APR | 5.040% | 60 mo · used | Standard | | **Used Vehicle Loan (Car / Truck / SUV) (Up to 72 Months)** auto_used_72mo | 5.240% APR | 5.240% | 72 mo · used | Standard | | **New Vehicle Loan (Car / Truck / SUV) (Up to 72 Months)** auto_new_72mo | 5.240% APR | 5.240% | 72 mo · new | Standard | | **New Vehicle Loan (Car / Truck / SUV) (Up to 84 Months)** auto_new_84mo | 6.140% APR | 6.140% | 84 mo · new | Standard | | **New and Used Boat/Camper/Motor Home** boat_any | 7.390% APR | 7.390% | any | Standard | | **New and Used Motorcycle/ATV/Personal Watercraft** motorcycle_any | 7.390% APR | 7.390% | any | Standard | Prestige Community Credit Union auto & vehicle rates as of November 12, 2026 ### Personal loan rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Interest Rates and Interest Charges (ANNUAL PERCENTAGE RATE for Cash Advances and Overdraft Protection)** personal | — APR | 4.950% | — | Standard | Prestige Community Credit Union personal loan rates as of November 12, 2026 ### Credit card rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Interest Rates and Interest Charges (ANNUAL PERCENTAGE RATE for Balance Transfers)** credit_card_balance_transfer | — APR | 4.950% | — | Standard | | **Platinum Credit Card** credit_card_platinum | 4.950% APR | 4.950% | — | Standard | Prestige Community Credit Union credit card rates as of November 12, 2026 ### Savings & CD rates 7 offers | Product | Published | Rate | Term / condition | Status | | **Rewards Checking** checking | 0.05% APY | 0.05% | — | Standard | | **6-Month Certificate** cd_6mo | 3.90% APY | 3.83% | 6 mo | Standard | | **12-Month Certificate** cd_12mo | 4.00% APY | 3.93% | 12 mo | Standard | | **24-Month Certificate** cd_24mo | 4.10% APY | 4.03% | 24 mo | Standard | | **48-Month Certificate** cd_48mo | 4.15% APY | 4.07% | 48 mo | Standard | | **60-Month Certificate** cd_60mo | 4.15% APY | 4.07% | 60 mo | Standard | | **36-Month Certificate** cd_36mo | 4.15% APY | 4.07% | 36 mo | Standard | Prestige Community Credit Union savings & cd rates as of November 12, 2026 ### Other rates 3 offers | Product | Published | Rate | Term / condition | Status | | **ANNUAL PERCENTAGE RATE for Purchases** other | 4.950% % | 4.950% | — | Standard | | **Interest Rates and Interest Charges (ANNUAL PERCENTAGE RATE for Purchases)** other | — % | 4.950% | — | Standard | | **Up to 2x gross monthly income** other | 10.990% % | 10.990% | — | Standard | Prestige Community Credit Union other rates as of November 12, 2026 Vehicle loans available from 4.64% APR for 36 months. Credit card rates from 4.95% APR. Savings and certificate yields up to 4.15% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/texas/prestige-community) , verified from [Prestige Community Credit Union's official website](https://prestigecu.org/) Best product position **#1 of 61** used-car loan Gap to state best **0 bp** State market leader Vs. state median **85 bp better than median** used-car loan Products ranked **2** across tracked Texas markets | Product | Published APR | Position | Vs. state best | Vs. state median | | new-car loan | 4.64% | Better than the Texas median | 90 bp from state best | 56 bp better than median | | used-car loan | 4.64% | #1 of 61 · lowest in Texas | State market leader | 85 bp better than median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Prestige Community Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=prestige-community&state=texas&code=TX&name=Prestige%20Community%20Credit%20Union) Loading branch locator… ## About Prestige Community Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 7.8K Assets $122.1M Founded 1936 Locations reported 2 NCUA charter 67507 Charter type Federally insured state-chartered credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - Bilingual services - Credit-builder products 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. [**Texans** Addison-Dallas Pkwy/N Dallas Mary Kay Exec Bldg · Addison · TX · 75001 About 1.4 miles away](https://rateapi.dev/credit-unions/texas/texans) [**Neighborhood** Richardson · Richardson · TX · 75080-2946 About 2.1 miles away](https://rateapi.dev/credit-unions/texas/neighborhood) [**Energy One** Dallas · Dallas · TX · 75254-4362 About 2.3 miles away](https://rateapi.dev/credit-unions/oklahoma/energy-one) [**Intouch** Shepton · Plano · TX · 75093-5005 About 3.3 miles away](https://rateapi.dev/credit-unions/texas/intouch) [**National Police** Texas Office · Dallas · TX · 75244-5105 About 3.7 miles away](https://rateapi.dev/credit-unions/illinois/national-police) [**Libertyone** LibertyOne Credit Union · Farmers Branch · TX · 75244 About 3.7 miles away](https://rateapi.dev/credit-unions/texas/libertyone) 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 Prestige Community Credit Union Membership eligibility from Prestige Community Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Community charter: live/work in Dallas, McKinney Verified from [Prestige Community Credit Union's membership page](https://prestigecu.org/about/) . Final membership determination is always made by the credit union. ## Work at Prestige Community 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 Prestige Community Credit Union ranks against Texas peers. - See which AI assistants fetched Prestige Community 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=prestige-community&state=texas&code=TX&name=Prestige%20Community%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Prestige Community Credit Union offer? Prestige Community Credit Union currently offers vehicle loan, personal loan, and credit card rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Prestige Community Credit Union rates updated? RateAPI verifies Prestige Community 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 Prestige Community Credit Union's rate data? Rate data is collected directly from Prestige Community 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 Prestige Community Credit Union's auto, boat & motorcycle loan rates? As of November 12, 2026, Prestige Community Credit Union offers vehicle loans from 4.64% APR. ### What is Prestige Community Credit Union's best CD rate? As of November 12, 2026, Prestige Community Credit Union offers savings and certificate (CD) yields up to 4.15% APY. ### Who can join Prestige Community Credit Union? Community charter: live/work in Dallas, McKinney ## Related Rate Data Compare Prestige Community 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) [Credit card rates](https://rateapi.dev/credit-card-rates) [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://prestigecu.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 Prestige Community 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 Prestige Community Credit Union curl "https://api.rateapi.dev/credit-unions/texas /prestige-community " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Prestige Community Credit Union locations Search, filter, and browse all 2 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/prestige-community Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp