Credit union · NCUA insured
Arizona Financial Credit Union Auto Loan Rates
Arizona Financial Credit Union auto loans start at 5.54% APR for a new vehicle and 5.54% for a used one. Rates checked October 22, 2026.
How Arizona Financial Credit Union’s auto loan rates compare
Compared with banks and credit unions near Phoenix, AZ, where Arizona Financial Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Arizona Financial Credit Union
5.54%APR
- Terms
- up to 60 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
Arizona Financial Credit Union auto loan score
72
Auto loan score
Higher than 30% of U.S. banks and credit unions
- New vehicleNew5.54%
- Used vehicleUsed5.54%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Arizona Financial 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.
Auto Loan
Membership required based on eligibility. Actual APR based on borrower’s credit history, year of vehicle and loan terms. APR shown excludes discounts. Auto loan rate subject to rate floor.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.54% | No application fee. Terms up to 60 months. Lowest available rate, excluding discounts for auto buying and insurance services. Actual APR based on credit history, vehicle year, and loan terms. |
| up to 72 months | 5.69% | No application fee. Terms up to 72 months. Lowest available rate, excluding discounts for auto buying and insurance services. Actual APR based on credit history, vehicle year, and loan terms. |
| up to 84 months | 6.09% | No application fee. Terms up to 84 months. Lowest available rate, excluding discounts for auto buying and insurance services. Actual APR based on credit history, vehicle year, and loan terms. |
Sources (1)
- arizonafinancial.org/auto-loan · captured Oct 3, 2026
First-Time Car Buyer Program
First-time car buyer, 2010 or newer vehicle, employed 1 year, monthly income at least $2,500, residual income at least $2,000. Membership required. Max loan amount $100,000.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 9.19% | No application fee. Terms up to 60 months. Lowest available rate, excluding discounts for auto buying and insurance services. Actual APR based on credit history, vehicle year, and loan terms. |
| up to 72 months | 10.34% | No application fee. Terms up to 72 months. Lowest available rate, excluding discounts for auto buying and insurance services. Actual APR based on credit history, vehicle year, and loan terms. |
Sources (1)
- arizonafinancial.org/first-time-car-buyer · captured Oct 3, 2026
Who can join Arizona Financial Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, attend school, or regularly conduct business in Coconino, Gila, La Paz, Maricopa, Mohave, Navajo, Pima, Pinal, Yavapai, or Yuma County are eligible for membership.
Family and household
- Individuals who are family or household members of an existing Arizona Financial member are eligible for membership.
Other ways
- Individuals can become eligible for membership by making a donation of at least $15 to Local First Arizona.
Membership information collected October 4, 2026.