Credit union · NCUA insured
Artesia Credit Union Auto Loan Rates
Artesia Credit Union auto loans start at 5.24% APR for a new vehicle and 5.24% for a used one. Rates checked October 22, 2026.
How Artesia Credit Union’s auto loan rates compare
Compared with banks and credit unions near Roswell, NM, where Artesia Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Artesia Credit Union
5.24%APR
- Terms
- 49–66 months
- Up to
- —
New Auto
Lowest rate
Chaves County School Employees CU
4.25%APR
- Terms
- up to 60 months
- Up to
- 10.50% APR
3rd-lowest rate
Otero Federal Credit Union
5.24%APR
- Terms
- 49–60 months
- Up to
- —
Artesia Credit Union auto loan score
79
Auto loan score
Higher than 48% of U.S. banks and credit unions
- New vehicleNew5.24%
- Used vehicleUsed5.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Artesia 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
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.74% | — |
| 37–48 months | 4.94% | — |
| 49–66 months | 5.24% | — |
| 67–75 months | 5.74% | — |
| 76–84 months | 6.29% | — |
Sources (1)
- artesiacu.org/resources/rates · captured Oct 7, 2026
Used Auto (2016 and older)
| Terms | APR | Conditions |
|---|---|---|
| — | 6.24% | — |
Sources (1)
- artesiacu.org/resources/rates · captured Oct 7, 2026
Used Auto (2017-2020)
| Terms | APR | Conditions |
|---|---|---|
| — | 5.74% | — |
Sources (1)
- artesiacu.org/resources/rates · captured Oct 7, 2026
Used Auto (2021-2025)
Rates are the same as new auto.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.74% | — |
| 37–48 months | 4.94% | — |
| 49–66 months | 5.24% | — |
| 67–75 months | 5.74% | — |
| 76–84 months | 6.29% | — |
Sources (1)
- artesiacu.org/resources/rates · captured Oct 7, 2026
Who can join Artesia Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Residents of New Mexico are eligible for membership.
Employers and groups
- Residents of New Mexico who are executive officers, board members, committee members, and employees of credit unions, or executive officers, directors, and employees of qualifying employers without a separate credit union, are eligible for membership.
- Employees and retirees of specified employer and corporate groups in the area, as well as employees of this credit union, are eligible for membership.
Military, government and schools
- Employees of the Artesia Public Schools, members of the Board of Education of the Artesia Public Schools, members of the Artesia Association of Educational Retirees, and any retired school employee residing in Eddy County are eligible for membership.
- Employees of the City of Artesia and employees of the Eddy County Sheriff's Department are eligible for membership.
Family and household
- Members of the immediate families of members qualified under Subsection A or B are eligible for membership.
3 more ways to join
Family and household
- Members of the immediate families of qualifying eligible persons are eligible for membership.
Other ways
- Residents of New Mexico in the field of membership of liquidated credit unions entering voluntary or involuntary liquidation proceedings are eligible for membership.
- Organizations of eligible persons are eligible for membership.
Membership information collected October 4, 2026.