Auto Loans · Los Alamos, New Mexico
3 credit unions in Los Alamos report car loan rates to the NCUA. Rates range from 4.49% to 7.89%.
Updated Q1 2026 · NCUA Call Report data
3
CUs Reporting Rates
4.49%
Lowest New Car Rate
6.37%
City Average Rate
3 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | LOS ALAMOS SCHOOLS ★ 5.0 · 138 reviews | 4.49% | 5.49% |
| 2 | ZIA ★ 3.0 · 23 reviews | 6.74% | 10.49% |
| 3 | DEL NORTE ★ 4.2 · 98 reviews | 7.89% | 3.49% |
3 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | DEL NORTE ★ 4.2 · 98 reviews | 3.49% | 7.89% |
| 2 | LOS ALAMOS SCHOOLS ★ 5.0 · 138 reviews | 5.49% | 4.49% |
| 3 | ZIA ★ 3.0 · 23 reviews | 10.49% | 6.74% |
A pre-approval from a Los Alamos 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 Los Alamos in the same window and take the best offer.
See member reviews, branch locations, and full rate details.