Credit union · NCUA insured
Del Norte Credit Union Auto Loan Rates
Top CarrotDel Norte Credit Union auto loan rates start at 3.99% APR. Rates checked October 22, 2026.
How Del Norte Credit Union’s auto loan rates compare
Compared with banks and credit unions near Santa Fe, NM, where Del Norte Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Del Norte Credit Union
– –
- Terms
- —
No ongoing APR published
Lowest rate
State Employees Credit Union
2.99%APR
- Terms
- up to 75 months
2nd-lowest rate
ZIA CU
4.50%APR
- Terms
- up to 60 months
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.
First Time Buyer Auto Loans
Helping Members with limited or no credit to purchase vehicles. Tier 1: $25,000 Max, No Luxury Brands, 100k Maximum Miles, DTI 40%, PTI 15%. Tier 2: $35,000 Max, DTI 45%, PTI 15%, Add 1% for Mileage over 100,000. Subject to $37 processing fee. Rates current as of October 22, 2026.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 11.24% | Model Year 2024-2027. Combined Tier 1 ($25,000 max, no luxury brands, 100k max miles, DTI 40%, PTI 15%) and Tier 2 ($35,000 max, DTI 45%, PTI 15%, add 1% for mileage over 100,000). APR as low as 11.24%. Assumes 36 months term, subject to $37 processing fee. |
| up to 36 months | 12.64% | Model Year 2023 or older. Combined Tier 1 ($25,000 max, no luxury brands, 100k max miles, DTI 40%, PTI 15%) and Tier 2 ($35,000 max, DTI 45%, PTI 15%, add 1% for mileage over 100,000). APR as low as 12.64%. Assumes 36 months term, subject to $37 processing fee. |
Sources (1)
- dncu.com/personal/vehicle-loan…uto-motorcycle-refinance · captured Oct 22, 2026
New and Used Auto Loans - Cars & Trucks
Clean title, LTV not to exceed 125%, minimum FICO score of 760+, must meet debt-to-income requirements. Loan subject to $37 processing fee. Electric & Hybrid Vehicle Program - Max Term 84 Months, -0.25% discount (discounts cannot be combined). Auto Loans LTV <90% not including GAP, MBP or DP. Rates current as of October 22, 2026.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.99% | Assumes term of 36 months, $20,000 loan amount, clean title, LTV not to exceed 125%, minimum FICO score 760+, must meet debt to income requirements. Subject to $37 processing fee. Model year 2024-2027. |
| up to 36 months | 5.74% | Assumes term of 36 months, $20,000 loan amount, clean title, LTV not to exceed 125%, minimum FICO score 760+, must meet debt to income requirements. Subject to $37 processing fee. Model year 2023 or older. |
Sources (2)
- dncu.com/personal/vehicle-loan…uto-motorcycle-refinance
- dncu.com/personal/vehicle-loans/new-auto-motorcycle
All captured Oct 22, 2026
Who can join Del Norte Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to persons in contiguous states living or working within 150 miles of Raton, subject to the rules and regulations of those states.
- Membership is open to persons living or working in all counties of the State of New Mexico.
Employers and groups
- Membership is open to employees of Del Norte Credit Union.
Military, government and schools
- Membership is open to employees of the Los Alamos National Laboratory (LANL) and other personnel assigned to LANL.
Family and household
- Membership is open to immediate family members of employees of Del Norte Credit Union.
Membership information collected October 4, 2026.