Credit union · NCUA insured
AERO Financial Auto Loan Rates
Top CarrotAERO Financial auto loans start at 6.74% APR for a new vehicle and 6.74% for a used one. Rates checked October 22, 2026.
How AERO Financial’s auto loan rates compare
Compared with banks and credit unions near Phoenix, AZ, where AERO Financial has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
AERO Financial
6.74%APR
- Terms
- 49–72 months
Auto Loan
Lowest rate
Southwest Airlines Federal Credit Union
3.94%APR
- Terms
- —
2nd-lowest rate
TruGrocer Federal Credit Union
3.99%APR
- Terms
- 24–84 months
AERO Financial auto loan score
62
Auto loan score
Higher than 8% of U.S. banks and credit unions
- New vehicleNew6.74%
- Used vehicleUsed6.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where AERO Financial ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Auto Loan
Rates are the same for both new and used vehicles and are based on credit score, year, and mileage of the vehicle. All loans are subject to credit approval. Actual rates may vary depending on the term of loan, amount financed, and personal credit history.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 6.24% | As low as APR. Actual rates may vary depending on the term of loan, amount financed, and personal credit history. Rates are the same for both new and used vehicles. |
| 49–72 months | 6.74% | As low as APR. Actual rates may vary depending on the term of loan, amount financed, and personal credit history. Rates are the same for both new and used vehicles. |
| 73–84 months | 7.29% | As low as APR. Actual rates may vary depending on the term of loan, amount financed, and personal credit history. Rates are the same for both new and used vehicles. |
Sources (1)
- aerofinancial.com/auto-loan · captured Oct 22, 2026
Who can join AERO Financial
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Membership is open to everyone by joining partner non-profit organization Financial Fitness Association.
Employers and groups
- Employees of the flight and aerospace industry and related sponsors.
Cost to join
- Opening an account requires a $5 minimum deposit to join AERO Financial.
Membership information collected October 4, 2026.