Credit union · NCUA insured
Kirtland Credit Union Auto Loan Rates
Top CarrotKirtland Credit Union auto loans start at 5.04% APR for a new vehicle and 5.04% for a used one. Rates checked October 22, 2026.
How Kirtland Credit Union’s auto loan rates compare
Compared with banks and credit unions near Albuquerque, NM, where Kirtland Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Kirtland Credit Union
5.04%APR
- Terms
- up to 65 months
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
Kirtland Credit Union auto loan score
81
Auto loan score
Higher than 57% of U.S. banks and credit unions
- New vehicleNew5.04%
- Used vehicleUsed5.04%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Kirtland 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.
1st Auto Loan for Airmen
For active members of the U.S. armed forces with little or no credit history. No cosigner required. Membership eligibility required.
| Terms | APR | Conditions |
|---|---|---|
| up to 75 months | 12.99% | Active member of U.S. armed forces with little or no credit history; no cosigner required. |
Sources (1)
- kirtlandcu.org/auto · captured Oct 3, 2026
Auto Loans
Membership eligibility required. Must maintain at least one share account with minimum balance ($5 par share in Main Share). Buy new, buy used, or refinance. Rates dependent on creditworthiness, model year, down payment, and prime rate.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.59% | Model years 2026-2024. As Low As APR for A+ credit-tier. |
| up to 36 months | 4.34% | Model years 2026-2024. Preferred Member rate (0.25% discount): must be current on existing debt (no loans past due), have minimum par share ($5) in Main Share account, no accounts in negative, and no outstanding fees owed. |
| up to 48 months | 5.09% | Model years 2026-2024. As Low As APR for A+ credit-tier. |
| up to 48 months | 4.84% | Model years 2026-2024. Preferred Member rate (0.25% discount): must be current on existing debt (no loans past due), have minimum par share ($5) in Main Share account, no accounts in negative, and no outstanding fees owed. |
| up to 65 months | 5.29% | Model years 2026-2024. As Low As APR for A+ credit-tier. |
| up to 65 months | 5.04% | Model years 2026-2024. Preferred Member rate (0.25% discount): must be current on existing debt (no loans past due), have minimum par share ($5) in Main Share account, no accounts in negative, and no outstanding fees owed. |
| up to 75 months | 5.39% | Model years 2026-2024. As Low As APR for A+ credit-tier. |
| up to 75 months | 5.14% | Model years 2026-2024. Preferred Member rate (0.25% discount): must be current on existing debt (no loans past due), have minimum par share ($5) in Main Share account, no accounts in negative, and no outstanding fees owed. |
| up to 84 months | 5.99% | Model years 2026-2024. As Low As APR for A+ credit-tier. |
| up to 84 months | 5.74% | Model years 2026-2024. Preferred Member rate (0.25% discount): must be current on existing debt (no loans past due), have minimum par share ($5) in Main Share account, no accounts in negative, and no outstanding fees owed. |
| up to 72 months | 6.39% | Model years 2023-2020. As Low As APR for A+ credit-tier. |
| up to 72 months | 6.14% | Model years 2023-2020. Preferred Member rate (0.25% discount): must be current on existing debt (no loans past due), have minimum par share ($5) in Main Share account, no accounts in negative, and no outstanding fees owed. |
| up to 60 months | 6.49% | Model years 2019-2016. As Low As APR for A+ credit-tier. |
| up to 60 months | 6.24% | Model years 2019-2016. Preferred Member rate (0.25% discount): must be current on existing debt (no loans past due), have minimum par share ($5) in Main Share account, no accounts in negative, and no outstanding fees owed. |
| up to 48 months | 6.79% | Model years 2015-2012. As Low As APR for A+ credit-tier. |
| up to 48 months | 6.54% | Model years 2015-2012. Preferred Member rate (0.25% discount): must be current on existing debt (no loans past due), have minimum par share ($5) in Main Share account, no accounts in negative, and no outstanding fees owed. |
| up to 60 months | 9.99% | Classic 2006 or older. Preferred Member rate not available (N/A). |
Automobile Refinancing
Special offer valid September 1 through November 30, 2026. No payment for 90 days. Kirtland CU does not charge an auto loan refinance fee. Membership eligibility and credit approval required. Preferred Member discount (0.75% total discount) requires account in good standing: current on existing debt, $5 minimum in Main Share, no negative accounts, no outstanding fees owed.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.59% | Model years 2026-2024. Standard base As Low As APR. |
| up to 36 months | 4.09% | Model years 2026-2024. Special Offer Refinance Rate with 0.50% discount. Promotion runs September 1 to November 30, 2026 with 90 days no payment. |
| up to 36 months | 3.84% | Model years 2026-2024. Special Offer Refinance Rate Preferred Member with 0.75% discount. Promotion runs September 1 to November 30, 2026 with 90 days no payment. |
| up to 48 months | 5.09% | Model years 2026-2024. Standard base As Low As APR. |
| up to 48 months | 4.59% | Model years 2026-2024. Special Offer Refinance Rate with 0.50% discount. Promotion runs September 1 to November 30, 2026 with 90 days no payment. |
| up to 48 months | 4.34% | Model years 2026-2024. Special Offer Refinance Rate Preferred Member with 0.75% discount. Promotion runs September 1 to November 30, 2026 with 90 days no payment. |
| up to 65 months | 5.29% | Model years 2026-2024. Standard base As Low As APR. |
| up to 65 months | 4.79% | Model years 2026-2024. Special Offer Refinance Rate with 0.50% discount. Promotion runs September 1 to November 30, 2026 with 90 days no payment. |
| up to 65 months | 4.54% | Model years 2026-2024. Special Offer Refinance Rate Preferred Member with 0.75% discount. Promotion runs September 1 to November 30, 2026 with 90 days no payment. |
| up to 75 months | 5.39% | Model years 2026-2024. Standard base As Low As APR. |
| up to 75 months | 4.89% | Model years 2026-2024. Special Offer Refinance Rate with 0.50% discount. Promotion runs September 1 to November 30, 2026 with 90 days no payment. |
| up to 75 months | 4.64% | Model years 2026-2024. Special Offer Refinance Rate Preferred Member with 0.75% discount. Promotion runs September 1 to November 30, 2026 with 90 days no payment. |
| up to 84 months | 5.99% | Model years 2026-2024. Standard base As Low As APR. |
| up to 84 months | 5.49% | Model years 2026-2024. Special Offer Refinance Rate with 0.50% discount. Promotion runs September 1 to November 30, 2026 with 90 days no payment. |
| up to 84 months | 5.24% | Model years 2026-2024. Special Offer Refinance Rate Preferred Member with 0.75% discount. Promotion runs September 1 to November 30, 2026 with 90 days no payment. |
| up to 84 months | 6.39% | Model years 2023-2020. Standard base As Low As APR. |
| up to 84 months | 5.89% | Model years 2023-2020. Special Offer Refinance Rate with 0.50% discount. Promotion runs September 1 to November 30, 2026 with 90 days no payment. |
| up to 84 months | 5.64% | Model years 2023-2020. Special Offer Refinance Rate Preferred Member with 0.75% discount. Promotion runs September 1 to November 30, 2026 with 90 days no payment. |
| up to 72 months | 6.49% | Model years 2019-2016. Standard base As Low As APR. |
| up to 72 months | 5.99% | Model years 2019-2016. Special Offer Refinance Rate with 0.50% discount. Promotion runs September 1 to November 30, 2026 with 90 days no payment. |
| up to 72 months | 5.74% | Model years 2019-2016. Special Offer Refinance Rate Preferred Member with 0.75% discount. Promotion runs September 1 to November 30, 2026 with 90 days no payment. |
| up to 48 months | 6.79% | Model years 2015-2012. Standard base As Low As APR. |
| up to 48 months | 6.29% | Model years 2015-2012. Special Offer Refinance Rate with 0.50% discount. Promotion runs September 1 to November 30, 2026 with 90 days no payment. |
| up to 48 months | 6.04% | Model years 2015-2012. Special Offer Refinance Rate Preferred Member with 0.75% discount. Promotion runs September 1 to November 30, 2026 with 90 days no payment. |
Sources (1)
- kirtlandcu.org/auto-refi · captured Oct 3, 2026
Motorcycle Loans
Membership eligibility required. Must maintain at least one share account with minimum balance. Rates dependent on creditworthiness, model year, down payment, and prime rate.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 8.24% | Model years 2026-2024. As Low As APR for A+ credit tier. |
| up to 48 months | 9.24% | Model years 2023 or older. As Low As APR for A+ credit tier. |
Who can join Kirtland Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Members and employees of partner organizations throughout Albuquerque are eligible for membership.
Military, government and schools
- Contractors, employees, and retirees of businesses who work on or with KAFB under contract with the U.S. Government are eligible for membership.
- Veteran, active-duty, and retired members of all branches of the U.S. military, including NM National Guard and Reserve, who have ever been served by KAFB are eligible for membership.
Family and household
- Family members of eligible or existing members are eligible for membership.
Cost to join
- Members must open and maintain at least one share (savings) account with a minimum balance.
Membership information collected October 4, 2026.