Auto Loans · Carlsbad, New Mexico
4 credit unions in Carlsbad report car loan rates to the NCUA. Rates range from 4.03% to 6.79%.
Updated Q1 2026 · NCUA Call Report data
4
CUs Reporting Rates
4.03%
Lowest New Car Rate
5.28%
City Average Rate
4 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | INTERNATIONALITES ★ 4.4 · 19 reviews | 4.03% | 6.18% |
| 2 | FINANCIAL SECURITY ★ 3.5 · 23 reviews | 4.65% | 5.52% |
| 3 | EDDY ★ 4.1 · 28 reviews | 5.66% | 8.22% |
| 4 | U-1ST COMMUNITY ★ 4.2 · 10 reviews | 6.79% | 12.63% |
4 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | FINANCIAL SECURITY ★ 3.5 · 23 reviews | 5.52% | 4.65% |
| 2 | INTERNATIONALITES ★ 4.4 · 19 reviews | 6.18% | 4.03% |
| 3 | EDDY ★ 4.1 · 28 reviews | 8.22% | 5.66% |
| 4 | U-1ST COMMUNITY ★ 4.2 · 10 reviews | 12.63% | 6.79% |
A pre-approval from a Carlsbad 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 Carlsbad in the same window and take the best offer.
See member reviews, branch locations, and full rate details.