Credit union · NCUA insured
Cochise Credit Union Auto Loan Rates
Top CarrotCochise Credit Union auto loans start at 4.50% APR for a new vehicle and 4.50% for a used one. Rates checked October 22, 2026.
How Cochise Credit Union’s auto loan rates compare
Compared with banks and credit unions near Sierra Vista, AZ, where Cochise Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Cochise Credit Union
4.50%APR
- Terms
- up to 84 months
- Up to
- 15.00% APR
- Discount
- Included in the rate
New and Used Vehicles
Lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
- Up to
- —
- Discount
- None included
3rd-lowest rate
PNC
5.34%APR
- Terms
- —
- Up to
- 20.69% APR
- Discount
- Included in the rate
Cochise Credit Union auto loan score
87
Auto loan score
Higher than 76% of U.S. banks and credit unions
- New vehicleNew4.50%
- Used vehicleUsed4.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Cochise 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.
Motorcycles
The APR reflects all available discounts. Discounts subject to change.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 6.00%–15.75% | Your interest rate may be higher or lower depending on your credit history and other deciding factors. The APR reflects all available discounts. Discounts subject to change. |
Sources (1)
- cochisecu.com/loans.html · captured Oct 22, 2026
New and Used Vehicles
The APR reflects all available discounts. Discounts subject to change.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.50%–15.00% | Your interest rate may be higher or lower depending on your credit history and other deciding factors. The APR reflects all available discounts. Discounts subject to change. |
Sources (1)
- cochisecu.com/loans.html · captured Oct 22, 2026
Who can join Cochise 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This may be incomplete or out of date, so check with the credit union before you apply.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 residing or working in zip codes 85643, 85644, 85625, 85605, 85606, and 85632 are eligible for membership.
Employers and groups
- Employees of Sulphur Springs Valley Electric Cooperative (SSVEC), Arizona Electric Power Cooperative (AEPCO), Sierra Southwest Cooperative Services, and Valley Telecom Group are eligible for membership.
Family and household
- Immediate family members of employees of Sulphur Springs Valley Electric Cooperative (SSVEC), Arizona Electric Power Cooperative (AEPCO), Sierra Southwest Cooperative Services, and Valley Telecom Group are eligible for membership.
- Immediate family members of individuals residing or working in zip codes 85643, 85644, 85625, 85605, 85606, and 85632 are eligible for membership.
Cost to join
- Open a Share Account with a deposit of $25 and maintain a balance of at least $25 at all times.
Membership information collected October 4, 2026.