Credit union · NCUA insured
Raiz Auto Loan Rates
Raiz auto loans start at 5.99% APR for a new vehicle and 5.99% for a used one. Rates checked October 17, 2026.
How Raiz’s auto loan rates compare
Compared with banks and credit unions near El Paso, TX, where Raiz has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Raiz
5.99%APR
- Terms
- 67–78 months
- Up to
- 17.99% APR
Auto Loan
Lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
- Up to
- —
2nd-lowest rate
evolve Federal Credit Union
4.74%APR
- Terms
- 48–72 months
- Up to
- —
Raiz auto loan score
66
Auto loan score
Higher than 17% of U.S. banks and credit unions
- New vehicleNew5.99%
- Used vehicleUsed5.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Raiz 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 Loan
All loans are subject to credit approval. Not all applicants may qualify. Member must meet membership eligibility requirements. No payments for 90 days (interest continues to accrue). No annual fees or prepayment penalties.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.74%–13.24% | Interest will continue to accrue during the 90 day no payment period. Member must meet membership eligibility requirements. |
| 49–66 months | 6.24%–13.24% | Interest will continue to accrue during the 90 day no payment period. Member must meet membership eligibility requirements. |
| 67–78 months | 5.99%–17.99% | Interest will continue to accrue during the 90 day no payment period. Member must meet membership eligibility requirements. |
| 79–84 months | 6.49%–14.49% | Interest will continue to accrue during the 90 day no payment period. Member must meet membership eligibility requirements. |
Sources (1)
- raiz.us/vehicle/auto-loans · captured Oct 17, 2026
Auto Refinance Loan Promotion
Promotional auto refinance offer. Excludes existing Raiz auto loans. Must enroll in autopay and direct deposit to qualify for the 4.25% APR promotional rate. The 4.25% APR is the floor rate. Promotion ends October 31, 2026.
| Terms | APR | Conditions |
|---|---|---|
| up to 66 months | 4.25% | Rates as low as 4.25% APR. Must enroll in auto pay and direct deposit to qualify. Excludes existing Raiz auto loans. Floor rate. Promotion ends October 31, 2026. Interest accrues during 90-day no payment period. |
Sources (2)
All captured Oct 17, 2026
Motorcycle Loan
New and used motorcycle, ATV, UTV, personal water craft financing. Terms up to 72 months. No prepayment penalties. Subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| 1–60 months | 7.49%–17.99% | Applicable to New and Used Motorcycle, ATV, UTV, Personal Water Craft. Subject to credit approval. |
| 61–72 months | 8.49%–17.99% | Applicable to New and Used Motorcycle, ATV, UTV, Personal Water Craft. Subject to credit approval. |
Sources (2)
All captured Oct 17, 2026
Who can join Raiz
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 individuals who live, work, or worship in El Paso County.
Employers and groups
- Membership is open to Lifetime Members of the Underserved Communities Foundation.
Family and household
- Membership is open to family members of Raiz members.
Cost to join
- An initial deposit of $5 is required to open a Share Savings Account / new Raiz account.
Membership information collected October 5, 2026.