Credit union · NCUA insured
Credit Union West Auto Loan Rates
Credit Union West auto loans start at 5.99% APR for a new vehicle and 5.99% for a used one. Rates checked October 22, 2026.
How Credit Union West’s auto loan rates compare
Compared with banks and credit unions near Phoenix, AZ, where Credit Union West has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Credit Union West
5.99%APR
- Terms
- 49–63 months
New Car 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
Credit Union West auto loan score
66
Auto loan score
Higher than 17% of U.S. banks and credit unions
- New vehicleNew5.99%
- Used vehicleUsed5.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Credit Union West 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
For vehicles up to 20 years old. Loan rates based on amount financed, term, credit qualifications, and performance. Comprehensive and collision insurance required (maximum deductible $1,000).
| Terms | APR | Conditions |
|---|---|---|
| up to 96 months | 5.49%–23.00% | Fixed rate. Up to 20 years old vehicle. Actual APR based on amount financed, term, credit qualifications and performance. |
Sources (1)
- cuwest.org/resources/rates-and-fees · captured Oct 3, 2026
Auto Refinance
Actual APR based upon borrower's credit history, year of vehicle, loan terms, and any applicable administrative/processing fees. Subject to credit review and approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 5.49% | APR as low as. Term up to 24 months. |
| 25–36 months | 5.49% | APR as low as. Term 25 to 36 months. |
| 37–48 months | 5.74% | APR as low as. Term 37 to 48 months. |
| 49–63 months | 5.99% | APR as low as. Term 49 to 63 months. |
| 64–75 months | 6.49% | APR as low as. Term 64 to 75 months. |
| 76–84 months | 6.99% | APR as low as. Term 76 to 84 months. |
| 85–96 months | 7.99% | APR as low as. Term 85 to 96 months. |
Sources (2)
All captured Oct 22, 2026
New Car Loans
Actual APR based upon borrower's credit history, year of vehicle, loan terms, and any applicable administrative/processing fees. Subject to credit review and approval. Comprehensive and collision insurance coverage required.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 5.49% | APR as low as. Term up to 24 months. |
| 25–36 months | 5.49% | APR as low as. Term 25 to 36 months. |
| 37–48 months | 5.74% | APR as low as. Term 37 to 48 months. |
| 49–63 months | 5.99% | APR as low as. Term 49 to 63 months. |
| 64–75 months | 6.49% | APR as low as. Term 64 to 75 months. |
| 76–84 months | 6.99% | APR as low as. Term 76 to 84 months. |
| 85–96 months | 7.99% | APR as low as. Term 85 to 96 months. |
Sources (3)
- cuwest.org/borrowing/vehicle-loans
- cuwest.org/borrowing/vehicle-loans/new-car-loans
- cuwest.org/borrowing/vehicle-loans/auto-refinance
All captured Oct 22, 2026
Private Party Auto Purchase
For purchasing a vehicle from a private seller with a pre-approved loan.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 5.49% | APR as low as. Term up to 24 months. |
| 25–36 months | 5.49% | APR as low as. Term 25 to 36 months. |
| 37–48 months | 5.74% | APR as low as. Term 37 to 48 months. |
| 49–63 months | 5.99% | APR as low as. Term 49 to 63 months. |
| 64–75 months | 6.49% | APR as low as. Term 64 to 75 months. |
| 76–84 months | 6.99% | APR as low as. Term 76 to 84 months. |
| 85–96 months | 7.99% | APR as low as. Term 85 to 96 months. |
Sources (3)
- cuwest.org/borrowing/vehicle-loans
- cuwest.org/borrowing/vehicle-l…vate-party-auto-purchase
- cuwest.org/borrowing/vehicle-loans/auto-refinance
All captured Oct 22, 2026
Used Car Loans
Actual APR based upon borrower's credit history, year of vehicle, loan terms, and any applicable administrative/processing fees. Subject to credit review and approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 5.49% | APR as low as. Term up to 24 months. |
| 25–36 months | 5.49% | APR as low as. Term 25 to 36 months. |
| 37–48 months | 5.74% | APR as low as. Term 37 to 48 months. |
| 49–63 months | 5.99% | APR as low as. Term 49 to 63 months. |
| 64–75 months | 6.49% | APR as low as. Term 64 to 75 months. |
| 76–84 months | 6.99% | APR as low as. Term 76 to 84 months. |
| 85–96 months | 7.99% | APR as low as. Term 85 to 96 months. |
Sources (3)
- cuwest.org/borrowing/vehicle-loans
- cuwest.org/borrowing/vehicle-loans/used-car-loans
- cuwest.org/borrowing/vehicle-loans/auto-refinance
All captured Oct 22, 2026
Vintage Auto Financing
Cars must be 25 years-old or more to qualify. Maximum loan term is 60 months. Pending qualified collateral condition and value is available.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 8.49% | APR as low as. Term up to 24 months. |
| 25–36 months | 8.49% | APR as low as. Term 25 to 36 months. |
| 37–48 months | 8.74% | APR as low as. Term 37 to 48 months. |
| 49–60 months | 8.99% | APR as low as. Term 49 to 60 months. |
Sources (2)
All captured Oct 22, 2026
Who can join Credit Union West
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.