Auto Loans · Santa Fe, New Mexico
3 credit unions in Santa Fe report car loan rates to the NCUA. Rates range from 6.17% to 7.50%.
Updated Q1 2026 · NCUA Call Report data
3
CUs Reporting Rates
6.17%
Lowest New Car Rate
6.89%
City Average Rate
3 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | NORTHERN NEW MEXICO SCHOOL EMPLOYEE ★ 4.2 · 10 reviews | 6.17% | 5.86% |
| 2 | GUADALUPE ★ 4.4 · 271 reviews | 6.99% | 7.99% |
| 3 | STATE EMPLOYEES ★ 2.8 · 103 reviews | 7.50% | 8.40% |
3 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | NORTHERN NEW MEXICO SCHOOL EMPLOYEE ★ 4.2 · 10 reviews | 5.86% | 6.17% |
| 2 | GUADALUPE ★ 4.4 · 271 reviews | 7.99% | 6.99% |
| 3 | STATE EMPLOYEES ★ 2.8 · 103 reviews | 8.40% | 7.50% |
A pre-approval from a Santa Fe 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 Santa Fe in the same window and take the best offer.
See member reviews, branch locations, and full rate details.