Credit union · NCUA insured
Northern New Mexico School Employees Federal Credit Union Auto Loan Rates
Northern New Mexico School Employees Federal Credit Union auto loans start at 4.75% APR for a new vehicle and 7.25% for a used one. Rates checked October 22, 2026.
How Northern New Mexico School Employees Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Denver, CO, where Northern New Mexico School Employees Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Northern New Mexico School Employees Federal Credit Union
4.75%APR
- Terms
- 49–60 months
- Up to
- 18.00% APR
New and Used Auto Under 10 Years
Lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
- Up to
- —
2nd-lowest rate
Climb Credit Union
4.49%APR
- Terms
- up to 96 months
- Up to
- —
Northern New Mexico School Employees Federal Credit Union auto loan score
80
Auto loan score
Higher than 53% of U.S. banks and credit unions
- New vehicleNew4.75%
- Used vehicleUsed7.25%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Northern New Mexico School Employees Federal 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.
New and Used Auto Under 10 Years
Consumer loan pricing matrix for new and used auto under 10 years. Rate based on creditworthiness and term of loan.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 3.75%–18.00% | Credit score tiers: 740 and UP (3.75%), 700 - 739 (4.25%), 660 - 699 (5.75%), 620 - 659 (7.75%), 580 - 619 (14%), 540 - 579 (16%), 539 and less (18.00%). |
| 49–60 months | 4.75%–18.00% | Credit score tiers: 740 and UP (4.75%), 700 - 739 (5.25%), 660 - 699 (6.25%), 620 - 659 (8.25%), 580 - 619 (14.5%), 540 - 579 (16%), 539 and less (18.00%). |
| 61–72 months | 5.00%–15.00% | Credit score tiers: 740 and UP (5.00%), 700 - 739 (5.5%), 660 - 699 (6.75%), 620 - 659 (8.75%), 580 - 619 (15%). Higher risk tiers (579 and below) are N/A. |
| 73–84 months | 5.75%–15.50% | Credit score tiers: 740 and UP (5.75%), 700 - 739 (6.25%), 660 - 699 (7.75%), 620 - 659 (9.75%), 580 - 619 (15.5%). Higher risk tiers (579 and below) are N/A. |
Sources (1)
- nmsefcu.org/rates · captured Oct 15, 2026
Used Autos Greater Than 10-Years-Old
Rate based on creditworthiness and term of loan. Commingled matrix for RV, Motorcycle, Boat, ATV and Used Autos Greater Than 10-Years-Old. Subprime tier (539 and less) is N/A for all terms.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 6.75%–18.00% | Credit score tiers: 740 and UP (6.75%), 700 - 739 (7.25%), 660 - 699 (8.75%), 620 - 659 (10.75%), 580 - 619 (17%), 540 - 579 (18%), 539 and less (N/A). |
| 49–60 months | 7.25%–18.00% | Credit score tiers: 740 and UP (7.25%), 700 - 739 (7.75%), 660 - 699 (9.25%), 620 - 659 (11.25%), 580 - 619 (17.5%), 540 - 579 (18%), 539 and less (N/A). |
| 61–72 months | 7.50%–18.00% | Credit score tiers: 740 and UP (7.5%), 700 - 739 (8.25%), 660 - 699 (9.75%), 620 - 659 (11.75%), 580 - 619 (18%), 540 - 579 (N/A), 539 and less (N/A). |
| 73–84 months | 8.00%–12.75% | Credit score tiers: 740 and UP (8%), 700 - 739 (8.75%), 660 - 699 (10.75%), 620 - 659 (12.75%), 580 - 619 (N/A), 540 - 579 (N/A), 539 and less (N/A). |
| 85–96 months | 8.50%–13.75% | Credit score tiers: 740 and UP (8.5%), 700 - 739 (9.25%), 660 - 699 (11.75%), 620 - 659 (13.75%), 580 - 619 (N/A), 540 - 579 (N/A), 539 and less (N/A). |
| 97–120 months | 9.50%–14.75% | Credit score tiers: 740 and UP (9.5%), 700 - 739 (10.25%), 660 - 699 (12.75%), 620 - 659 (14.75%), 580 - 619 (N/A), 540 - 579 (N/A), 539 and less (N/A). |
Sources (1)
- nmsefcu.org/rates · captured Oct 15, 2026
Who can join Northern New Mexico School Employees Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of this credit union, volunteers, and persons retired as pensioners or annuitants from qualifying employment.
- Employees of SER - Jobs for Progress, Inc. who work in or are paid from Santa Fe, New Mexico.
Military, government and schools
- Employees of the New Mexico Education Association of New Mexico State Department of Education working in or having headquarters in Santa Fe, New Mexico.
- Employees of New Mexico School for the Deaf in Santa Fe, New Mexico.
- Employees of public, private, and parochial school systems working in Santa Fe County, New Mexico.
- Employees of Springer Public School System and Springer State School of Boys who work in Colfax County, New Mexico.
8 more ways to join
Military, government and schools
- Employees of Wagon Mound Public School System who work in Mora County, New Mexico.
- Employees of Chama Valley Public School System, Dulce Public School System, and Jemez Mountain Public School System who work in Rio Arriba County, New Mexico.
- Employees of West Las Vegas Public School System, East Las Vegas Public School System, Pecos Public School System, and Luna Vocational School who work in San Miguel County, New Mexico.
- Full-time students of Pojoaque Valley High School, Santa Fe County, New Mexico.
- Full-time students at Santa Fe Senior High School and Vocational Technical School in Santa Fe, New Mexico, except those in the Adult Training Program.
- Students attending Santa Fe Community College in Santa Fe, New Mexico.
Family and household
- Members of the immediate family or household of eligible persons, and surviving spouses of persons who died while within the field of membership.
Other ways
- Organizations of such persons within the field of membership.
Membership information collected October 4, 2026.