Credit union · NCUA insured
Chaves County School Employees CU Auto Loan Rates
Chaves County School Employees CU auto loans start at 4.25% APR for a new vehicle and 4.75% for a used one. Rates checked October 22, 2026.
How Chaves County School Employees CU’s auto loan rates compare
Compared with banks and credit unions near Roswell, NM, where Chaves County School Employees CU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Chaves County School Employees CU
4.25%APR
- Terms
- up to 60 months
- Up to
- 10.50% APR
New Vehicles
2nd-lowest rate
Artesia Credit Union
5.24%APR
- Terms
- 49–66 months
- Up to
- —
3rd-lowest rate
Otero Federal Credit Union
5.24%APR
- Terms
- 49–60 months
- Up to
- —
Chaves County School Employees CU auto loan score
89
Auto loan score
Higher than 88% of U.S. banks and credit unions
- New vehicleNew4.25%
- Used vehicleUsed4.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Chaves County School Employees CU 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 Vehicles
Certificate of ownership and insurance required. Maximum loan amount is 100% purchase price including tax. Collateralized loans require proof of full coverage insurance provided by the member. Rates and terms are subject to credit approval and based on creditworthiness.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.25%–10.50% | Up to 60 Months term. Max amount 100% purchase price inc. tax. Certificate of ownership and insurance required. |
| 61–72 months | 4.75%–11.50% | 61 - 72 Months term. Max amount 100% purchase price inc. tax. Certificate of ownership and insurance required. |
Used Vehicles (4 years old or less)
Applies to vehicles 4 years old or less. Certificate of ownership and insurance required. Maximum loan amount up to NADA Retail Value. Collateralized loans require proof of full coverage insurance provided by the member. Rates and terms are subject to credit approval and based on creditworthiness.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.75%–10.50% | Up to 60 Months term. Max amount up to NADA Retail Value. Certificate of ownership and insurance required. |
| up to 72 months | 5.25%–11.50% | 72 Months term. Max amount up to NADA Retail Value. Certificate of ownership and insurance required. |
Used Vehicles (5 - 10 years old)
Applies to vehicles 5 - 10 years old. Certificate of ownership and insurance required. Maximum loan amount up to NADA Retail Value. Collateralized loans require proof of full coverage insurance provided by the member. Rates and terms are subject to credit approval and based on creditworthiness.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.75%–11.50% | Up to 60 Months term. Max amount up to NADA Retail Value. Certificate of ownership and insurance required. |
Who can join Chaves County School Employees CU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of Chaves County School Employees Credit Union are eligible to join.
Military, government and schools
- Retired school employees residing in Chaves County are eligible to join.
- Employees of public or private schools in Chaves County are eligible to join.
Family and household
- Immediate family of eligible members are eligible to join.
Membership information collected October 4, 2026.