Credit union · NCUA insured
Jemez Valley CU Auto Loan Rates
Jemez Valley CU auto loans start at 6.69% APR for a new vehicle and 7.74% for a used one. Rates checked October 22, 2026.
How Jemez Valley CU’s auto loan rates compare
Compared with banks and credit unions near Albuquerque, NM, where Jemez Valley CU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Jemez Valley CU
6.69%APR
- Terms
- up to 60 months
New and Used Auto Loans
Lowest rate
State Employees Credit Union
2.99%APR
- Terms
- up to 75 months
2nd-lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
Jemez Valley CU auto loan score
62
Auto loan score
Higher than 6% of U.S. banks and credit unions
- New vehicleNew6.69%
- Used vehicleUsed7.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Jemez Valley 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 and Used Auto Loans
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.74% | New Auto: Vehicle may be up to two years old with less than 25,000 miles. APR based on applicant's credit history at time of application processing. |
| up to 36 months | 5.89% | New Auto: Vehicle may be up to two years old with less than 25,000 miles. APR based on applicant's credit history at time of application processing. |
| up to 48 months | 6.14% | New Auto: Vehicle may be up to two years old with less than 25,000 miles. APR based on applicant's credit history at time of application processing. |
| up to 60 months | 6.69% | New Auto: Vehicle may be up to two years old with less than 25,000 miles. APR based on applicant's credit history at time of application processing. |
| up to 72 months | 6.79% | New Auto: Vehicle may be up to two years old with less than 25,000 miles. APR based on applicant's credit history at time of application processing. |
| up to 84 months | 7.14% | New Auto: Vehicle may be up to two years old with less than 25,000 miles. APR based on applicant's credit history at time of application processing. |
| up to 24 months | 7.04% | Used Auto: Vehicles up to four years old or with more than 25,000 miles. APR based on applicant's credit history at time of application processing. |
| up to 36 months | 7.54% | Used Auto: Vehicles up to four years old or with more than 25,000 miles. APR based on applicant's credit history at time of application processing. |
| up to 48 months | 7.64% | Late Model Used Auto: Vehicles up to four years old or with more than 25,000 miles. APR based on applicant's credit history at time of application processing. |
| up to 60 months | 7.74% | Late Model Used Auto: Vehicles up to four years old or with more than 25,000 miles. APR based on applicant's credit history at time of application processing. |
| up to 66 months | 8.05% | Late Model Used Auto: Vehicles up to four years old or with more than 25,000 miles. APR based on applicant's credit history at time of application processing. |
| up to 60 months | 12.49% | All other used vehicles. APR based on applicant's credit history at time of application processing. |
Sources (1)
- jvcu.org/borrow/rates · captured Oct 7, 2026
Who can join Jemez Valley CU
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 anyone who lives in the Jemez Valley.
- Membership is open to anyone who owns property in the Jemez Valley.
- Membership is open to anyone who works in the Jemez Valley.
- Membership is open to anyone who lives in the Rio Rancho school district.
- Membership is open to anyone who owns property in the Rio Rancho school district.
- Membership is open to anyone who works in the Rio Rancho school district.
1 more way to join
Family and household
- Membership is open to anyone who has a relative who is a member.
Cost to join
- Members must maintain a $25.00 par share deposit in their Regular Share Account at all times.
Membership information collected October 4, 2026.