Credit union · NCUA insured
Pinal County FCU Auto Loan Rates
Pinal County FCU auto loans start at 5.74% APR for a new vehicle and 5.74% for a used one. Rates checked October 22, 2026.
How Pinal County FCU’s auto loan rates compare
Compared with banks and credit unions near Phoenix, AZ, where Pinal County FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Pinal County FCU
5.74%APR
- Terms
- up to 84 months
- Up to
- 17.99% APR
New Auto
Lowest rate
Southwest Airlines Federal Credit Union
3.94%APR
- Terms
- —
- Up to
- —
2nd-lowest rate
TruGrocer Federal Credit Union
3.99%APR
- Terms
- 24–84 months
- Up to
- —
Pinal County FCU auto loan score
69
Auto loan score
Higher than 25% of U.S. banks and credit unions
- New vehicleNew5.74%
- 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 Pinal County FCU 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 Auto
All lending offers are subject to credit approval. Actual rates may vary depending on term of loan, amount financed, age of vehicle/equipment and personal credit history.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 5.74%–17.99% | Rates quoted are subject to change. Some restrictions may apply. |
Sources (1)
- pinalcountyfcu.com/auto-loans/new-autos · captured Oct 3, 2026
SWITCH & Save! Auto Refinance
Valid August 1, 2026, through October 31, 2026, for current members and qualifying Pinal County, Arizona residents who refinance an eligible auto loan from another financial institution to Pinal County Federal Credit Union. Existing PCFCU auto loans, commercial vehicles, recreational vehicles, watercraft, and motorcycles are not eligible. Proof of current loan rate is required. Subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.74% | Qualified borrowers will receive the lower of PCFCU's current published rate or 1.00% APR below their current lender's rate, with a minimum rate of 4.74% APR. Rates are based on creditworthiness, credit score, vehicle model year, loan term, and other underwriting criteria. Qualifying loans of $10,000 or more funded during the promotional period receive one $100 gas gift card. Payment example: $25,000 financed at 4.74% APR for 84 months = 84 monthly payments of $351.12. |
Sources (1)
- pinalcountyfcu.com/auto-loans/used-autos/auto-refi- · captured Oct 3, 2026
Used Auto
All lending offers are subject to credit approval. Actual rates may vary depending on term of loan, amount financed, age of vehicle/equipment and personal credit history.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 5.74%–17.99% | Rates quoted are subject to change. Some restrictions may apply. |
Sources (1)
- pinalcountyfcu.com/auto-loans/used-autos · captured Oct 3, 2026
Who can join Pinal County FCU
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.