Credit union · NCUA insured
American Southwest Credit Union Auto Loan Rates
American Southwest Credit Union auto loan rates start at 5.74% APR. Rates checked October 22, 2026.
How American Southwest Credit Union’s auto loan rates compare
Compared with banks and credit unions near Sierra Vista, AZ, where American Southwest Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
American Southwest Credit Union
– –
- Terms
- —
- Up to
- —
- Discount
- —
No ongoing APR published
Lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
- Up to
- —
- Discount
- None included
2nd-lowest rate
Cochise Credit Union
4.50%APR
- Terms
- up to 84 months
- Up to
- 15.00% APR
- Discount
- Included in the rate
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.
Special Rates for 2022 and Newer Vehicles — Refinancing Eligible
For 2022 and newer vehicles. Refinance or purchase. Subject to credit approval. Rates subject to change based on LTV and Mileage. Add 0.25% to rates if autopay is not used.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 5.74%–5.99% | Credit Score 680+; with Autopay. Credit score 720+ earns 5.74%, 680-719 earns 5.99%. |
| up to 72 months | 5.99%–6.24% | Credit Score 680+; without Autopay. Credit score 720+ earns 5.99%, 680-719 earns 6.24%. |
| up to 84 months | 5.99%–6.49% | Credit Score 680+; with Autopay. Credit score 720+ earns 5.99%, 680-719 earns 6.49%. |
| up to 84 months | 6.24%–6.74% | Credit Score 680+; without Autopay. Credit score 720+ earns 6.24%, 680-719 earns 6.74%. |
Sources (1)
- ascu.org/rates · captured Oct 22, 2026
Who can join American Southwest Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, work, worship, or attend school in Cochise, Gila, Graham, Greenlee, Pima, Pinal, or Santa Cruz Counties, Arizona are eligible for membership.
Employers and groups
- Employees of American Southwest Credit Union are eligible for membership.
Family and household
- Immediate family members of eligible persons are eligible for membership.
- Spouses of persons who died while within the field of membership of American Southwest Credit Union are eligible for membership.
Other ways
- Businesses and other legal entities located within Cochise, Gila, Graham, Greenlee, Pima, Pinal, and Santa Cruz Counties, Arizona are eligible for membership.
- Members of record of the credit union as of May 14, 2024 are eligible for membership.
2 more ways to join
Other ways
- Organizations of eligible persons are eligible for membership.
- Persons or organizations sponsored by members of the credit union are eligible for membership.
Cost to join
- A one-time deposit of $10 is required to join.
Membership information collected October 4, 2026.