Auto Loans · Tucson, Arizona
5 credit unions in Tucson report car loan rates to the NCUA. Rates range from 3.99% to 9.95%.
Updated Q1 2026 · NCUA Call Report data
5
CUs Reporting Rates
3.99%
Lowest New Car Rate
6.33%
City Average Rate
5 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | VANTAGE WEST ★ 3.9 · 136 reviews | 3.99% | 7.10% |
| 2 | TUCSON ★ 3.3 · 70 reviews | 5.74% | 5.74% |
| 3 | PYRAMID ★ 4.7 · 344 reviews | 5.99% | 5.99% |
| 4 | PIMA ★ 4.1 · 221 reviews | 5.99% | 5.99% |
| 5 | HUGHES ★ 3.9 · 372 reviews | 9.95% | 9.95% |
5 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | TUCSON ★ 3.3 · 70 reviews | 5.74% | 5.74% |
| 2 | PYRAMID ★ 4.7 · 344 reviews | 5.99% | 5.99% |
| 3 | PIMA ★ 4.1 · 221 reviews | 5.99% | 5.99% |
| 4 | VANTAGE WEST ★ 3.9 · 136 reviews | 7.10% | 3.99% |
| 5 | HUGHES ★ 3.9 · 372 reviews | 9.95% | 9.95% |
A pre-approval from a Tucson 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 Tucson in the same window and take the best offer.
See member reviews, branch locations, and full rate details.