Credit union · NCUA insured
RECU Auto Loan Rates
RECU auto loans start at 5.99% APR for a new vehicle and 6.49% for a used one. Rates checked October 22, 2026.
How RECU’s auto loan rates compare
Compared with banks and credit unions near Albuquerque, NM, where RECU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
RECU
5.99%APR
- Terms
- —
AUTO Loan | New & Used
Lowest rate
State Employees Credit Union
2.99%APR
- Terms
- up to 75 months
2nd-lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
RECU auto loan score
64
Auto loan score
Higher than 12% of U.S. banks and credit unions
- New vehicleNew5.99%
- Used vehicleUsed6.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where RECU 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 | New & Used
No down payment required. Loan rates and term are based on creditworthiness. Maximum terms apply. Rates subject to change without notice.
| Terms | APR | Conditions |
|---|---|---|
| — | 5.99% | Applies to New or used 2022-2026 cars & trucks. Maximum terms apply. |
| — | 6.49% | Applies to Used Vehicles 2017-2021 cars & trucks. Maximum terms apply. |
Sources (1)
- recu.org/loans · captured Oct 7, 2026
Who can join RECU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- BNSF Railway employees across the United States are eligible for membership.
Family and household
- Families of BNSF employees are eligible for membership.
Cost to join
- Opening a savings account requires $25 ($5 for minors).
Membership information collected October 4, 2026.