Auto Loans · Kirtland, New Mexico

Best Credit Union Car Loan Rates in Kirtland, New Mexico

1 credit union in Kirtland report car loan rates to the NCUA. Lowest rate: 2.57%.

Updated Q1 2026 · NCUA Call Report data

CUs Reporting Rates

2.57%

Lowest New Car Rate

2.57%

City Average Rate

New Vehicle Loan Rates — Kirtland, New Mexico

1 credit union sorted by APR

#	Credit Union	New Car APR	Used Car APR
1	FOUR CORNERS ★ 3.6 · 86 reviews	2.57%	6.68%

Rates from NCUA Call Report (5300) filings, updated Q1 2026. Actual rate depends on credit score and loan term.

Used Vehicle Loan Rates — Kirtland, New Mexico

1 credit union sorted by APR

#	Credit Union	Used Car APR	New Car APR
1	FOUR CORNERS ★ 3.6 · 86 reviews	6.68%	2.57%

Rates from NCUA Call Report (5300) filings, updated Q1 2026. Actual rate depends on credit score and loan term.

Get Pre-Approved Before the Dealership

A pre-approval from a Kirtland credit union lets you negotiate on price, not payment. The dealer can try to beat the rate — but you're in control either way.

Rate Shopping Won't Hurt Your Credit

Multiple auto loan applications within 14–45 days count as a single hard inquiry. Apply at several credit unions in Kirtland in the same window and take the best offer.

Also Compare in Kirtland

Best Personal Loan Rates →Best Credit Card Rates →All of New Mexico →

Browse All Credit Unions in Kirtland

See member reviews, branch locations, and full rate details.

Credit Unions in Kirtland →All of New Mexico →