Auto Loans · Phoenix, Arizona
9 credit unions in Phoenix report car loan rates to the NCUA. Rates range from 4.25% to 7.92%.
Updated Q1 2026 · NCUA Call Report data
9
CUs Reporting Rates
4.25%
Lowest New Car Rate
5.98%
City Average Rate
9 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | ALHAMBRA ★ 4.7 · 208 reviews | 4.25% | 6.00% |
| 2 | COPPER STATE ★ 4.0 · 213 reviews | 5.50% | 4.25% |
| 3 | ARIZONA CENTRAL ★ 2.4 · 61 reviews | 5.90% | 6.15% |
| 4 | U-HAUL ★ 3.2 · 40 reviews | 5.91% | 6.28% |
| 5 | ONEAZ ★ 4.5 · 270 reviews | 5.94% | 6.14% |
| 6 | ARIZONA FINANCIAL ★ 4.4 · 295 reviews | 6.00% | 6.76% |
| 7 | BANNER ★ 3.9 · 9 reviews | 6.14% | 6.29% |
| 8 | MARISOL ★ 4.0 · 163 reviews | 6.22% | 7.22% |
| 9 | DESERT FINANCIAL ★ 3.7 · 152 reviews | 7.92% | 7.99% |
9 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | COPPER STATE ★ 4.0 · 213 reviews | 4.25% | 5.50% |
| 2 | ALHAMBRA ★ 4.7 · 208 reviews | 6.00% | 4.25% |
| 3 | ONEAZ ★ 4.5 · 270 reviews | 6.14% | 5.94% |
| 4 | ARIZONA CENTRAL ★ 2.4 · 61 reviews | 6.15% | 5.90% |
| 5 | U-HAUL ★ 3.2 · 40 reviews | 6.28% | 5.91% |
| 6 | BANNER ★ 3.9 · 9 reviews | 6.29% | 6.14% |
| 7 | ARIZONA FINANCIAL ★ 4.4 · 295 reviews | 6.76% | 6.00% |
| 8 | MARISOL ★ 4.0 · 163 reviews | 7.22% | 6.22% |
| 9 | DESERT FINANCIAL ★ 3.7 · 152 reviews | 7.99% | 7.92% |
A pre-approval from a Phoenix 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 Phoenix in the same window and take the best offer.
See member reviews, branch locations, and full rate details.