Auto Loans · Arizona
33 credit unions in Arizona report car loan rates to the NCUA. Rates range from 2.99% to 9.95%.
Updated Q1 2026 · NCUA Call Report data
33
CUs Reporting Rates
2.99%
Lowest New Car Rate
5.99%
State Average Rate
19
Cities Covered
33 credit unions with reported rates, sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | FIRST AMERICAN Casa Grande | 2.99% | 4.09% |
| 2 | VANTAGE WEST TUCSON | 3.99% | 7.10% |
| 3 | PRESCOTT Prescott | 4.00% | 6.50% |
| 4 | ALHAMBRA Phoenix | 4.25% | 6.00% |
| 5 | FIRST Chandler | 4.99% | 5.24% |
| 6 | COCHISE Willcox | 5.00% | 5.00% |
| 7 | AERO Glendale | 5.19% | 5.19% |
| 8 | EM MESA | 5.25% | 5.25% |
| 9 | SOUTHEASTERN ARIZONA Douglas | 5.50% | 5.75% |
| 10 | COPPER STATE Phoenix | 5.50% | 4.25% |
| 11 | TUCSON TUCSON | 5.74% | 5.74% |
| 12 | ARIZONA CENTRAL Phoenix | 5.90% | 6.15% |
| 13 | U-HAUL Phoenix | 5.91% | 6.28% |
| 14 | WINSLOW SANTA FE Winslow | 5.94% | 6.24% |
| 15 | ONEAZ Phoenix | 5.94% | 6.14% |
| 16 | PYRAMID Tucson | 5.99% | 5.99% |
| 17 | PIMA Tucson | 5.99% | 5.99% |
| 18 | ARIZONA FINANCIAL Phoenix | 6.00% | 6.76% |
| 19 | SUNWEST Glendale | 6.01% | 6.96% |
| 20 | MOHAVE COMMUNITY KINGMAN | 6.09% | 6.64% |
| 21 | BANNER Phoenix | 6.14% | 6.29% |
| 22 | AVENIR FINANCIAL YUMA | 6.16% | 7.65% |
| 23 | MARISOL Phoenix | 6.22% | 7.22% |
| 24 | TRUWEST Scottsdale | 6.30% | 7.05% |
| 25 | COCONINO Flagstaff | 6.49% | 7.74% |
| 26 | RIM COUNTRY Snowflake | 6.55% | 7.54% |
| 27 | LANDINGS TEMPE | 6.74% | 6.99% |
| 28 | PINAL COUNTY Casa Grande | 6.75% | 6.74% |
| 29 | WINSLOW SCHOOL EMPLOYEES WINSLOW | 7.00% | 10.00% |
| 30 | CREDIT UNION WEST Glendale | 7.22% | 6.58% |
| 31 | DESERT FINANCIAL Phoenix | 7.92% | 7.99% |
| 32 | AMERICAN SOUTHWEST Sierra Vista | 8.00% | 8.00% |
| 33 | HUGHES Tucson | 9.95% | 9.95% |
33 credit unions with reported rates, sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | FIRST AMERICAN Casa Grande | 4.09% | 2.99% |
| 2 | COPPER STATE Phoenix | 4.25% | 5.50% |
| 3 | COCHISE Willcox | 5.00% | 5.00% |
| 4 | AERO Glendale | 5.19% | 5.19% |
| 5 | FIRST Chandler | 5.24% | 4.99% |
| 6 | EM MESA | 5.25% | 5.25% |
| 7 | TUCSON TUCSON | 5.74% | 5.74% |
| 8 | SOUTHEASTERN ARIZONA Douglas | 5.75% | 5.50% |
| 9 | PYRAMID Tucson | 5.99% | 5.99% |
| 10 | PIMA Tucson | 5.99% | 5.99% |
| 11 | ALHAMBRA Phoenix | 6.00% | 4.25% |
| 12 | ONEAZ Phoenix | 6.14% | 5.94% |
| 13 | ARIZONA CENTRAL Phoenix | 6.15% | 5.90% |
| 14 | WINSLOW SANTA FE Winslow | 6.24% | 5.94% |
| 15 | U-HAUL Phoenix | 6.28% | 5.91% |
| 16 | BANNER Phoenix | 6.29% | 6.14% |
| 17 | PRESCOTT Prescott | 6.50% | 4.00% |
| 18 | CREDIT UNION WEST Glendale | 6.58% | 7.22% |
| 19 | MOHAVE COMMUNITY KINGMAN | 6.64% | 6.09% |
| 20 | PINAL COUNTY Casa Grande | 6.74% | 6.75% |
| 21 | ARIZONA FINANCIAL Phoenix | 6.76% | 6.00% |
| 22 | SUNWEST Glendale | 6.96% | 6.01% |
| 23 | LANDINGS TEMPE | 6.99% | 6.74% |
| 24 | TRUWEST Scottsdale | 7.05% | 6.30% |
| 25 | VANTAGE WEST TUCSON | 7.10% | 3.99% |
| 26 | MARISOL Phoenix | 7.22% | 6.22% |
| 27 | RIM COUNTRY Snowflake | 7.54% | 6.55% |
| 28 | AVENIR FINANCIAL YUMA | 7.65% | 6.16% |
| 29 | COCONINO Flagstaff | 7.74% | 6.49% |
| 30 | DESERT FINANCIAL Phoenix | 7.99% | 7.92% |
| 31 | AMERICAN SOUTHWEST Sierra Vista | 8.00% | 8.00% |
| 32 | HUGHES Tucson | 9.95% | 9.95% |
| 33 | WINSLOW SCHOOL EMPLOYEES WINSLOW | 10.00% | 7.00% |
Most community credit unions in Arizona accept anyone who lives, works, or worships in their service area. Some are employer-based with open membership through small donations to an affiliated organization. Check each credit union's profile for eligibility details.
Credit unions are nonprofits, so they return earnings to members in the form of lower loan rates and higher savings rates. On a $25,000 car loan over 60 months, even a 1% rate difference saves over $600 in interest.
These rates come directly from NCUA Call Report (5300) filings — the same quarterly financial data credit unions are required to submit to their federal regulator. They reflect each CU's reported weighted-average rate, not a promotional floor. Your actual rate will depend on credit score, term length, and vehicle age.
A pre-approval from a 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 the same two-week window and take the best offer.
See all credit unions by city, filter by rates, and check Google ratings.