Credit union · NCUA insured
LOCO Credit Union Auto Loan Rates
LOCO Credit Union auto loans start at 4.95% APR for a new vehicle and 4.95% for a used one. Rates checked October 22, 2026.
How LOCO Credit Union’s auto loan rates compare
Compared with banks and credit unions near Alamogordo, NM, where LOCO Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
LOCO Credit Union
4.95%APR
- Terms
- —
Auto Loans
2nd-lowest rate
Otero Federal Credit Union
5.24%APR
- Terms
- 49–60 months
LOCO Credit Union auto loan score
86
Auto loan score
Higher than 72% of U.S. banks and credit unions
- New vehicleNew4.95%
- Used vehicleUsed4.95%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where LOCO 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.
Auto Loans
Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.95% | Rates as low as 4.95% APR. Rate based on creditworthiness and term of loan. |
Who can join LOCO 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This may be incomplete or out of date, so check with the credit union before you apply.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 residents of Otero County.
Employers and groups
- Membership is open to employees of LOCO Credit Union.
Military, government and schools
- Membership is open to active Board of Regents, School Board members, and School employees in Lincoln, Catron, Socorro, Torrance, Guadalupe, DeBaca, Hidalgo, Union, and Harding Counties.
- Membership is open to Loving School Employees in the State of New Mexico.
Family and household
- Membership is open to immediate family members (defined as any relative by blood or marriage, or foster and adopted children) of qualifying individuals.
Membership information collected October 4, 2026.