Credit union · NCUA insured
Banner Federal Credit Union Auto Loan Rates
Banner Federal Credit Union auto loans start at 4.99% APR for a new vehicle. Rates checked October 22, 2026.
How Banner Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Phoenix, AZ, where Banner Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Banner Federal Credit Union
4.99%APR
- Terms
- up to 60 months
Auto Loans
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
Banner Federal Credit Union auto loan score
76
Auto loan score
Higher than 41% of U.S. banks and credit unions
- New vehicleNew4.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Banner Federal 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 Loans
Rates are Annual Percentage Rate or APR. Membership requires affiliation with Banner Health Employees and family members.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.99% | Vehicle model year 2022 or newer. |
| up to 60 months | 6.99% | Vehicle model year 2017 through 2021. |
| 61–72 months | 5.24% | Vehicle model year 2022 or newer. |
| 61–72 months | 7.74% | Vehicle model year 2017 through 2021. |
| 73–84 months | 5.99% | Vehicle model year 2022 or newer. Only available on loans greater than $25,000. |
| 73–84 months | 8.49% | Vehicle model year 2017 through 2021. Only available on loans greater than $25,000. |
New / Used Motorcycle
Rates are Annual Percentage Rate or APR. Membership requires affiliation with Banner Health Employees and family members.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 6.75% | — |
| up to 36 months | 7.00% | — |
| up to 48 months | 7.25% | — |
| up to 60 months | 7.50% | — |
| up to 72 months | 7.75% | — |
| up to 84 months | 8.00% | 84 month terms available on loans greater than $30K. |
Who can join Banner Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is primarily open to employees of Banner Health System and small employee groups affiliated with health care providers.
Family and household
- Immediate family members of eligible members are eligible to join.
Membership information collected October 4, 2026.