Dump the high payment. Keep the car.

It’s Not You. It’s Your Rate.

If your auto loan feels like a bad relationship, you’re not stuck. Refinancing with Lone Star Credit Union is simple, and you could lower your current rate by up to 1% APR,* saving you money each month.

Break Up With Your Rate

Member-Focused Banking, Made for You

Credit Cards

Checking

Savings

Home Loans

Auto loans

Current rates

View all rates

Regular CDS

as high as 3.15 % APY

Auto Loans

as low as 5.25 % APR

Home Equity

as low as 5.84 % APR

Checking and savings accounts are just the start.

What’s the next move for your financial future?

$1,000 Scholarships

High School seniors going to trade or technical school are eligible to apply through April 30, 2026.

Spending = rewarding

With Bonus Checking, every purchase gets you closer to higher dividends.

Tax time savings

Save on Turbo Tax and H&R Block tax prep services.

Budget guide

Overcome common financial challenges

Our budgeting guide will help you take control of your finances, build stability, and work toward long-term goals.

Download the guide

Coins falling to white piggy saving , Financial and money depos

Why choose Lone Star Credit Union?

When you're a Lone Star Credit Union Member, you don't have to choose between service and innovation. We provide the personalized relationship of a small-town bank and the technology that keeps your money safe and secure.

Our Story Open an Account

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Find the Right Car

Our auto guide will get you on the road faster.

Greenpath Financial Wellness

Your path to a bright financial future.

Youth Savings Account

Accounts for kids with fun perks!

Save

For a rainy day or your next big purchase, we're here to help.

Spend

Simplify spending with a variety of tools to make life easier.

Borrow

Flexible funding to take your life to the next level.

We love our Members!

And they love us back! Read what our Members say about their experiences with Lone Star Credit Union.

Lupe was amazing!!! She’s good people!

Quick, friendly, and professional service!

They are all very helpful and professional. They work with a smile and keeps me coming everyday!

In our community

We're dedicated to making our community a better place.

Learn more

Local sponsorships

We love to support local organizations, non-profits, and causes. Communities grow from the ground up!

Community partners

Small business is the backbone of America (and Texas). That's why we're dedicated to helping local businesses thrive.

Volunteering

Our employees are committed to doing good in our communities through volunteering and acts of kindness.

Open an account online

It only takes a few minutes.

Make an appointment

Personalized service at your convenience.

Refer a friend

Love LSCU? Tell your friends and family and you can both earn $50!

Auto loan rates are effective March 2, 2026, and are based on creditworthiness. All loans are subject to credit approval. Applicants must be at least 18 years of age and meet Lone Star Credit Union membership requirements. Rates are subject to change at any time without notice. This offer is valid from April 1, 2026 to May 31, 2026 for external auto loan refinances only (loans currently financed with another lender). Rate reduction of up to 1.00% applies to the Member’s current rate; however, the final rate will not be lower than 5.25% APR. Minimum loan amount is $10,000. Maximum loan term is 60 months (may extend up to 66 months with the purchase of a Vehicle Service Contract). Maximum loan-to-value (LTV) is 100% prior to the addition of any ancillary products. Loan application and approval are required. Interest begins accruing on the date the loan is funded.

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Rates effective as of: April 3, 2026

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