Auto Loans · Alamogordo, New Mexico
2 credit unions in Alamogordo report car loan rates to the NCUA. Rates range from 5.49% to 14.50%.
Updated Q1 2026 · NCUA Call Report data
2
CUs Reporting Rates
5.49%
Lowest New Car Rate
10.00%
City Average Rate
2 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | OTERO ★ 3.2 · 60 reviews | 5.49% | 5.49% |
| 2 | LOCO ★ 2.4 · 29 reviews | 14.50% | 13.50% |
2 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | OTERO ★ 3.2 · 60 reviews | 5.49% | 5.49% |
| 2 | LOCO ★ 2.4 · 29 reviews | 13.50% | 14.50% |
A pre-approval from a Alamogordo 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 Alamogordo in the same window and take the best offer.
See member reviews, branch locations, and full rate details.