--- title: "Swemp Credit Union Rates - Texas" description: "Current vehicle loan, and personal loan rates from Swemp Credit Union in Texas. Updated daily with source verification. See who can join Swemp Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/texas/swemp" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Swemp Credit Union Rates - Texas ### Auto & vehicle rates 5 offers | Product | Published | Rate | Term / condition | Status | | **LOAN SPECIAL: AUTOMOBILE 2024 OR NEWER A PLUS ONLY - 4.85% *CERTAIN TERMS MAY APPLY*** auto | — APR | 4.850% | — | Standard | | **84-Month New Auto Loan** auto_new_84mo | — APR | 4.850% | 84 mo · new | Standard | | **Pre-Owned Autos** auto_used_84mo | — APR | 4.850% | 84 mo · used | Standard | | **New and Pre-Owned Boat, RV, Campers** boat_used_72mo | — APR | 5.850% | 72 mo · used | Standard | | **New and Pre-Owned Motorcycle/ATV** motorcycle_used_72mo | — APR | 5.850% | 72 mo · used | Standard | Swemp Credit Union auto & vehicle rates as of November 13, 2026 ### Personal loan rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Shared Secured** personal_secured | — APR | 2.500% | — | Standard | | **Signature Loans (up to $5,000)** personal_unsecured | — APR | 8.000% | — | Standard | Swemp Credit Union personal loan rates as of November 13, 2026 ### Other rates 3 offers | Product | Published | Rate | Term / condition | Status | | **Title Equity** other | — % | 5.950% | — | Standard | | **(Over $60,000)** other | — % | 8.250% | — | Standard | | **1 Payment Loan** other | — % | 12.750% | — | Standard | Swemp Credit Union other rates as of November 13, 2026 Swemp Credit Union is a credit union in Texas. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/texas/swemp) , verified from [Swemp Credit Union's official website](https://www.swempfcu.org/) Loading branch locator… ## About Swemp Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 985 Assets $12.3M Founded 1946 Locations reported 1 NCUA charter 5325 Charter type Federal credit union 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. [**Federal Employees** Federal Employees · Texarkana · TX · 75501 Branch in the same ZIP](https://rateapi.dev/credit-unions/texas/federal-employees) [**Domino** Liberty Eylau · Texarkana · TX · 75501 About 2.2 miles away](https://rateapi.dev/credit-unions/texas/domino) [**Red River Employees** Hwy 59 LE Office - TX · Texarkana · TX · 75501 About 2.3 miles away](https://rateapi.dev/credit-unions/texas/red-river-employees) [**Mil-Way** Texarkana Texas Branch · Texarkana · TX · 75501-6269 About 3.7 miles away](https://rateapi.dev/credit-unions/arkansas/mil-way) [**Morris Sheppard Texarkana** MORRIS SHEPPARD TEXARKANA FCU · TEXARKANA · TX · 75501 About 6.4 miles away](https://rateapi.dev/credit-unions/texas/morris-sheppard-texarkana) [**Texarkana Terminal Employees** MORRIS SHEPPARD FCU · TEXARKANA · TX · 75501 About 6.4 miles away](https://rateapi.dev/credit-unions/texas/texarkana-terminal-employees) 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 Swemp Credit Union Membership eligibility from Swemp Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Swemp Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer SWEPCO/AEP Verified from [Swemp Credit Union's membership page](https://www.swempfcu.org/about.php) . Final membership determination is always made by the credit union. ## Membership rules for Swemp Credit Union Employers · Family 2 3 published paths to membership, last verified August 27, 2026, quoted from Swemp Credit Union’s own published criteria. ### Employers 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Employee of SWEPCO/AEP “That means you must be an employee of SWEPCO/AEP to join SWEMP.” > [source ↗](https://www.swempfcu.org/about.php) - Employee of SWEPCO/AEP ### Family 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Family of a member spouse, parent, sibling, child “Once you are a member you may invite your immediate relatives to join. Those that would be eligible to join include your SPOUSE, Mother, Father, Sister, Brother, Son, Daughter.” > [source ↗](https://www.swempfcu.org/about.php) - Family member (spouse, parent, sibling, child) of a member - Family of a member immediate relatives, SPOUSE, parent, sibling, child “Once you are a member you may invite your immediate relatives to join. Those that would be eligible to join include your SPOUSE, Mother, Father, Sister, Brother, Son, Daughter.” > [source ↗](https://www.swempfcu.org/about.php) - Family member (immediate relatives, SPOUSE, parent, sibling, child) 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 Swemp Credit Union? Yes No ## Work at Swemp 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 Swemp Credit Union ranks against Texas peers. - See which AI assistants fetched Swemp 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=swemp&state=texas&code=TX&name=Swemp%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Swemp Credit Union offer? Swemp Credit Union currently offers vehicle loan, and personal loan rates. The rates shown on this page were last verified November 13, 2026 directly from the credit union's official website. ### How often are Swemp Credit Union rates updated? RateAPI verifies Swemp Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 13, 2026. ### Where does RateAPI get Swemp Credit Union's rate data? Rate data is collected directly from Swemp Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### Who can join Swemp Credit Union? Swemp Credit Union publishes its membership criteria on its own website. RateAPI tracks 3 published membership paths covering 1 employer for Swemp Credit Union, each quoted from Swemp Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Swemp 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.swempfcu.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 Swemp 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 Swemp Credit Union curl "https://api.rateapi.dev/credit-unions/texas /swemp " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Swemp 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/swemp Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp