Auto Loans · New Mexico
37 credit unions in New Mexico report car loan rates to the NCUA. Rates range from 2.57% to 14.50%.
Updated Q1 2026 · NCUA Call Report data
37
CUs Reporting Rates
2.57%
Lowest New Car Rate
6.23%
State Average Rate
25
Cities Covered
37 credit unions with reported rates, sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | FOUR CORNERS Kirtland | 2.57% | 6.68% |
| 2 | QUESTA Questa | 3.99% | 4.99% |
| 3 | INTERNATIONALITES CARLSBAD | 4.03% | 6.18% |
| 4 | EVERYONE'S Tucumcari | 4.11% | 7.91% |
| 5 | RAILROAD EMPLOYEES Belen | 4.40% | 7.10% |
| 6 | THE FLORIST ROSWELL | 4.40% | 7.14% |
| 7 | LOS ALAMOS SCHOOLS Los Alamos | 4.49% | 5.49% |
| 8 | MT TAYLOR MILAN | 4.50% | 5.50% |
| 9 | FINANCIAL SECURITY CARLSBAD | 4.65% | 5.52% |
| 10 | CHAVES COUNTY SCHOOL EMPLOYEES Roswell | 4.92% | 5.87% |
| 11 | KIRTLAND ALBUQUERQUE | 5.04% | 6.89% |
| 12 | WHITE SANDS LAS CRUCES | 5.19% | 5.39% |
| 13 | U.S. EAGLE Albuquerque | 5.24% | 5.24% |
| 14 | CANNON CLOVIS | 5.28% | 7.50% |
| 15 | SUNWARD Albuquerque | 5.45% | 5.45% |
| 16 | OTERO Alamogordo | 5.49% | 5.49% |
| 17 | SANDIA AREA Albuquerque | 5.63% | 6.18% |
| 18 | EDDY Carlsbad | 5.66% | 8.22% |
| 19 | RINCONES PRESBYTERIAN CHACON | 6.00% | 7.00% |
| 20 | DEMING SCHOOLS EMPLOYEES DEMING | 6.12% | 9.23% |
| 21 | NORTHERN NEW MEXICO SCHOOL EMPLOYEE SANTA FE | 6.17% | 5.86% |
| 22 | ARTESIA Artesia | 6.31% | 6.67% |
| 23 | ROSWELL COMMUNITY Roswell | 6.34% | 8.02% |
| 24 | NUSENDA ALBUQUERQUE | 6.52% | 6.83% |
| 25 | ZIA Los Alamos | 6.74% | 10.49% |
| 26 | U-1ST COMMUNITY CARLSBAD | 6.79% | 12.63% |
| 27 | QUAY SCHOOLS Tucumcari | 6.84% | 8.19% |
| 28 | RIO GRANDE Albuquerque | 6.96% | 8.67% |
| 29 | GUADALUPE Santa Fe | 6.99% | 7.99% |
| 30 | HIGH DESERT COMMUNITY Aztec | 7.00% | 8.00% |
| 31 | STATE EMPLOYEES Santa Fe | 7.50% | 8.40% |
| 32 | DEL NORTE Los Alamos | 7.89% | 3.49% |
| 33 | FIRST FINANCIAL Albuquerque | 8.39% | 10.59% |
| 34 | CUBA CUBA | 8.50% | 7.00% |
| 35 | JEMEZ VALLEY JEMEZ SPRINGS | 8.75% | 11.76% |
| 36 | ESTACADO HOBBS | 10.99% | 11.99% |
| 37 | LOCO ALAMOGORDO | 14.50% | 13.50% |
37 credit unions with reported rates, sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | DEL NORTE Los Alamos | 3.49% | 7.89% |
| 2 | QUESTA Questa | 4.99% | 3.99% |
| 3 | U.S. EAGLE Albuquerque | 5.24% | 5.24% |
| 4 | WHITE SANDS LAS CRUCES | 5.39% | 5.19% |
| 5 | SUNWARD Albuquerque | 5.45% | 5.45% |
| 6 | LOS ALAMOS SCHOOLS Los Alamos | 5.49% | 4.49% |
| 7 | OTERO Alamogordo | 5.49% | 5.49% |
| 8 | MT TAYLOR MILAN | 5.50% | 4.50% |
| 9 | FINANCIAL SECURITY CARLSBAD | 5.52% | 4.65% |
| 10 | NORTHERN NEW MEXICO SCHOOL EMPLOYEE SANTA FE | 5.86% | 6.17% |
| 11 | CHAVES COUNTY SCHOOL EMPLOYEES Roswell | 5.87% | 4.92% |
| 12 | INTERNATIONALITES CARLSBAD | 6.18% | 4.03% |
| 13 | SANDIA AREA Albuquerque | 6.18% | 5.63% |
| 14 | ARTESIA Artesia | 6.67% | 6.31% |
| 15 | FOUR CORNERS Kirtland | 6.68% | 2.57% |
| 16 | NUSENDA ALBUQUERQUE | 6.83% | 6.52% |
| 17 | KIRTLAND ALBUQUERQUE | 6.89% | 5.04% |
| 18 | RINCONES PRESBYTERIAN CHACON | 7.00% | 6.00% |
| 19 | CUBA CUBA | 7.00% | 8.50% |
| 20 | RAILROAD EMPLOYEES Belen | 7.10% | 4.40% |
| 21 | THE FLORIST ROSWELL | 7.14% | 4.40% |
| 22 | CANNON CLOVIS | 7.50% | 5.28% |
| 23 | EVERYONE'S Tucumcari | 7.91% | 4.11% |
| 24 | GUADALUPE Santa Fe | 7.99% | 6.99% |
| 25 | HIGH DESERT COMMUNITY Aztec | 8.00% | 7.00% |
| 26 | ROSWELL COMMUNITY Roswell | 8.02% | 6.34% |
| 27 | QUAY SCHOOLS Tucumcari | 8.19% | 6.84% |
| 28 | EDDY Carlsbad | 8.22% | 5.66% |
| 29 | STATE EMPLOYEES Santa Fe | 8.40% | 7.50% |
| 30 | RIO GRANDE Albuquerque | 8.67% | 6.96% |
| 31 | DEMING SCHOOLS EMPLOYEES DEMING | 9.23% | 6.12% |
| 32 | ZIA Los Alamos | 10.49% | 6.74% |
| 33 | FIRST FINANCIAL Albuquerque | 10.59% | 8.39% |
| 34 | JEMEZ VALLEY JEMEZ SPRINGS | 11.76% | 8.75% |
| 35 | ESTACADO HOBBS | 11.99% | 10.99% |
| 36 | U-1ST COMMUNITY CARLSBAD | 12.63% | 6.79% |
| 37 | LOCO ALAMOGORDO | 13.50% | 14.50% |
Most community credit unions in New Mexico accept anyone who lives, works, or worships in their service area. Some are employer-based with open membership through small donations to an affiliated organization. Check each credit union's profile for eligibility details.
Credit unions are nonprofits, so they return earnings to members in the form of lower loan rates and higher savings rates. On a $25,000 car loan over 60 months, even a 1% rate difference saves over $600 in interest.
These rates come directly from NCUA Call Report (5300) filings — the same quarterly financial data credit unions are required to submit to their federal regulator. They reflect each CU's reported weighted-average rate, not a promotional floor. Your actual rate will depend on credit score, term length, and vehicle age.
A pre-approval from a credit union lets you negotiate on price, not payment. The dealer can try to beat the rate — but you're in control either way.
Multiple auto loan applications within 14–45 days count as a single hard inquiry. Apply at several credit unions in the same two-week window and take the best offer.
See all credit unions by city, filter by rates, and check Google ratings.