Auto Loans · Las Cruces, New Mexico
1 credit union in Las Cruces report car loan rates to the NCUA. Lowest rate: 5.19%.
Updated Q1 2026 · NCUA Call Report data
1
CUs Reporting Rates
5.19%
Lowest New Car Rate
5.19%
City Average Rate
1 credit union sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | WHITE SANDS ★ 3.0 · 60 reviews | 5.19% | 5.39% |
1 credit union sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | WHITE SANDS ★ 3.0 · 60 reviews | 5.39% | 5.19% |
A pre-approval from a Las Cruces 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 Las Cruces in the same window and take the best offer.
See member reviews, branch locations, and full rate details.