Auto Loans · Albuquerque, New Mexico
7 credit unions in Albuquerque report car loan rates to the NCUA. Rates range from 5.04% to 8.39%.
Updated Q1 2026 · NCUA Call Report data
7
CUs Reporting Rates
5.04%
Lowest New Car Rate
6.18%
City Average Rate
7 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | KIRTLAND ★ 3.3 · 88 reviews | 5.04% | 6.89% |
| 2 | U.S. EAGLE ★ 4.3 · 246 reviews | 5.24% | 5.24% |
| 3 | SUNWARD ★ 5.0 · 11 reviews | 5.45% | 5.45% |
| 4 | SANDIA AREA ★ 4.0 · 222 reviews | 5.63% | 6.18% |
| 5 | NUSENDA ★ 2.0 · 6 reviews | 6.52% | 6.83% |
| 6 | RIO GRANDE ★ 4.1 · 144 reviews | 6.96% | 8.67% |
| 7 | FIRST FINANCIAL ★ 3.9 · 136 reviews | 8.39% | 10.59% |
7 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | U.S. EAGLE ★ 4.3 · 246 reviews | 5.24% | 5.24% |
| 2 | SUNWARD ★ 5.0 · 11 reviews | 5.45% | 5.45% |
| 3 | SANDIA AREA ★ 4.0 · 222 reviews | 6.18% | 5.63% |
| 4 | NUSENDA ★ 2.0 · 6 reviews | 6.83% | 6.52% |
| 5 | KIRTLAND ★ 3.3 · 88 reviews | 6.89% | 5.04% |
| 6 | RIO GRANDE ★ 4.1 · 144 reviews | 8.67% | 6.96% |
| 7 | FIRST FINANCIAL ★ 3.9 · 136 reviews | 10.59% | 8.39% |
A pre-approval from a Albuquerque 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 Albuquerque in the same window and take the best offer.
See member reviews, branch locations, and full rate details.