Credit union · NCUA insured
Arizona Central Credit Union Auto Loan Rates
Arizona Central Credit Union auto loans start at 5.70% APR for a new vehicle and 5.85% for a used one. Rates checked October 22, 2026.
How Arizona Central Credit Union’s auto loan rates compare
Compared with banks and credit unions near Phoenix, AZ, where Arizona Central Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Arizona Central Credit Union
5.70%APR
- Terms
- up to 63 months
New Auto Rates (2022 and newer)
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
Arizona Central Credit Union auto loan score
68
Auto loan score
Higher than 22% of U.S. banks and credit unions
- New vehicleNew5.70%
- Used vehicleUsed5.85%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Arizona Central Credit Union 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.
New Auto Rates (2022 and newer)
Receive up to 0.50% rate discount with automatic payments (0.25%) and auto protection GAP/MBP (0.25%). Up to 90 days to first payment available. No application or processing fees. No early loan payback penalty.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.50% | Maximum loan term 48 months. |
| up to 63 months | 5.70% | Maximum loan term 63 months. |
| up to 75 months | 6.35% | Maximum loan term 75 months. |
| up to 84 months | 6.75% | Maximum loan term 84 months. Minimum loan amount $25,000. |
Sources (1)
- azcentralcu.org/loans/vehicle-loans/auto-loans · captured Oct 3, 2026
Refinance Your Auto Loan
Up to 90 days to first payment available on auto loans not already financed with Arizona Central Credit Union.
| Terms | APR | Conditions |
|---|---|---|
| — | 7.00% | Up to 90 days to first payment. |
Sources (1)
- azcentralcu.org/loans/vehicle-loans/refinance-your-ride · captured Oct 3, 2026
Used Auto Loan Rates (2015 to 2017)
Receive up to 0.50% rate discount with automatic payments (0.25%) and auto protection GAP/MBP (0.25%). Up to 90 days to first payment available. No application or processing fees. No early loan payback penalty.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.65% | Maximum loan term up to 48 months. |
| up to 60 months | 5.85% | Maximum loan term up to 60 months. Minimum loan amount $15,000. |
Sources (1)
- azcentralcu.org/loans/vehicle-loans/auto-loans · captured Oct 3, 2026
Used Auto Loan Rates (2018 to 2021)
Receive up to 0.50% rate discount with automatic payments (0.25%) and auto protection GAP/MBP (0.25%). Up to 90 days to first payment available. No application or processing fees. No early loan payback penalty.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.65% | Maximum loan term 48 months. |
| up to 63 months | 5.85% | Maximum loan term 63 months. |
| up to 75 months | 6.50% | Maximum loan term 75 months. |
| up to 84 months | 6.90% | Maximum loan term 84 months. Minimum loan amount $25,000, and up to 7 model years old. |
Sources (1)
- azcentralcu.org/loans/vehicle-loans/auto-loans · captured Oct 3, 2026
Who can join Arizona Central Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees or members of one of over 2,000 partner groups in Arizona Central Credit Union's field of membership are eligible to join.
Membership information collected October 4, 2026.