The Heart O' Texas Federal Credit Union is a auto loan from Heart O' Texas Federal Credit Union. The ongoing APR is New Cars As low as 4.55%; Used Cars As low as 4.55%; New Motorcycle As low as 5.95%; Used Motorcycle As low as 6.95%; New Travel Trailer/Motor Home As low as 6.95%; Used Travel Trailer/Motor Home As low as 8.95%; Boats As low as 5.95%.