Credit union · NCUA insured
Otero Federal Credit Union Auto Loan Rates
Top CarrotOtero Federal Credit Union auto loans start at 5.24% APR for a new vehicle and 5.74% for a used one. Rates checked October 22, 2026.
How Otero Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Alamogordo, NM, where Otero Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Otero Federal Credit Union
5.24%APR
- Terms
- 49–60 months
New & Used Cars, Trucks, and Passenger Vans
Lowest rate
LOCO Credit Union
4.95%APR
- Terms
- —
Otero Federal Credit Union auto loan score
73
Auto loan score
Higher than 34% of U.S. banks and credit unions
- New vehicleNew5.24%
- Used vehicleUsed5.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Otero 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 & Used Cars, Trucks, and Passenger Vans
Rates and terms listed apply to members with excellent credit histories; other members may qualify but rates and terms may vary. All loans subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| 12–48 months | 4.74% | Vehicle Year: 2022 – 2027 |
| 49–60 months | 5.24% | Vehicle Year: 2022 – 2027 |
| 61–75 months | 5.49% | Vehicle Year: 2022 – 2027 |
| 76–84 months | 5.99% | Vehicle Year: 2022 – 2027 |
| 12–48 months | 5.24% | Vehicle Year: 2018 – 2021 |
| 49–60 months | 5.74% | Vehicle Year: 2018 – 2021 |
| 61–75 months | 6.24% | Vehicle Year: 2018 – 2021 |
| 76–84 months | 6.74% | Vehicle Year: 2018 – 2021 |
| 12–48 months | 6.24% | Vehicle Year: 2017 & Older |
| 49–60 months | 6.74% | Vehicle Year: 2017 & Older |
Sources (3)
All captured Oct 7, 2026
Repossessed Vehicles
Rates are subject to change. All loans subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| 12–75 months | 1.99% | — |
Sources (3)
All captured Oct 7, 2026
Vehicle Loans
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 6.49% | Vehicle age: Current calendar year up to 3 years old |
| 49–60 months | 6.99% | Vehicle age: Current calendar year up to 3 years old |
| 61–75 months | 7.24% | Vehicle age: Current calendar year up to 3 years old |
| 76–84 months | 7.74% | Vehicle age: Current calendar year up to 3 years old |
| up to 48 months | 6.99% | Vehicle age: Four to ten years old |
| 49–60 months | 7.49% | Vehicle age: Four to ten years old |
| 61–75 months | 7.99% | Vehicle age: Four to ten years old |
| 76–84 months | 8.49% | Vehicle age: Four to ten years old |
| up to 48 months | 8.49% | Vehicle age: Eleven years and older |
| 49–60 months | 8.99% | Vehicle age: Eleven years and older |
Sources (1)
- oterofcu.org/loans · captured Oct 7, 2026
Who can join Otero Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, work, worship, or attend school in the counties of Chaves, Eddy, Lincoln, and Otero, New Mexico are eligible for membership.
Employers and groups
- Employees of this credit union are eligible for membership.
- Volunteers within the community are eligible for membership.
Family and household
- Members of the immediate families of eligible persons are eligible for membership.
Other ways
- Organizations of persons within the field of membership are eligible for membership.
- Spouses of persons who died while within the field of membership of this credit union are eligible to join.
Membership information collected October 4, 2026.