Credit union · NCUA insured
Rio Grande Credit Union Auto Loan Rates
Rio Grande Credit Union auto loans start at 5.75% APR for a new vehicle and 5.75% for a used one. Rates checked October 22, 2026.
How Rio Grande Credit Union’s auto loan rates compare
Compared with banks and credit unions near Albuquerque, NM, where Rio Grande Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Rio Grande Credit Union
5.75%APR
- Terms
- up to 65 months
Auto Loans
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
Rio Grande Credit Union auto loan score
68
Auto loan score
Higher than 23% of U.S. banks and credit unions
- New vehicleNew5.75%
- Used vehicleUsed5.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Rio Grande 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.
Auto Loan Refinance
Rio Grande Credit Union membership required for all loans. Rates good for current and past three model years. Up to 135% financing available for qualified applicants (up to 100% also stated). 73-84 month financing available on vehicles over $20,000. Maximum term for vehicles under $10,000 is 48 months. Make no payments for up to 90 days (45 and 60 days also optional; interest accrues during deferral period). Simple interest with no pre-payment penalty.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.70% | Rates good for current and past three model years. Assumes excellent credit history. Simple interest with no pre-payment penalty. Up to 135% financing available for qualified applicants. Approximate monthly payment is $587.81 on a $20,000 loan. |
| up to 48 months | 4.40% | Rates good for current and past three model years. Assumes excellent credit history. Simple interest with no pre-payment penalty. Up to 135% financing available for qualified applicants. Maximum term for vehicles under $10,000 is 48 months. Approximate monthly payment is $455.17 on a $20,000 loan. |
| up to 65 months | 4.50% | Rates good for current and past three model years. Assumes excellent credit history. Simple interest with no pre-payment penalty. Up to 135% financing available for qualified applicants. Approximate monthly payment is $347.29 on a $20,000 loan. |
| up to 75 months | 4.60% | Rates good for current and past three model years. Assumes excellent credit history. Simple interest with no pre-payment penalty. Up to 135% financing available for qualified applicants. 73-84 month financing available on vehicles over $20,000. Approximate monthly payment is $307.34 on a $20,000 loan. |
| up to 84 months | 4.80% | Rates good for current and past three model years. Assumes excellent credit history. Simple interest with no pre-payment penalty. Up to 135% financing available for qualified applicants. 73-84 month financing available on vehicles over $20,000. Approximate monthly payment is $280.80 on a $20,000 loan. |
Sources (3)
All captured Oct 22, 2026
Auto Loans
Fixed auto loan interest rates. Vehicles less than four model years old get the new car loan rate. Up to 135% financing available for qualified applicants (up to 100% also stated). 73-84 month financing available on vehicles over $20,000. Maximum term for vehicles under $10,000 is 48 months. No application fees. Up to 90 days with no payment (45 and 60 days also available; interest accrues during deferral period). Simple interest with no pre-payment penalty.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.95% | Rates effective for current and past three model years. Assumes excellent credit history. Simple interest with no pre-payment penalty. Up to 135% financing available for qualified applicants. Approximate monthly payment is $598.97 on a $20,000 loan. |
| up to 48 months | 5.65% | Rates effective for current and past three model years. Assumes excellent credit history. Simple interest with no pre-payment penalty. Up to 135% financing available for qualified applicants. Maximum term for vehicles under $10,000 is 48 months. Approximate monthly payment is $466.50 on a $20,000 loan. |
| up to 65 months | 5.75% | Rates effective for current and past three model years. Assumes excellent credit history. Simple interest with no pre-payment penalty. Up to 135% financing available for qualified applicants. Approximate monthly payment is $358.82 on a $20,000 loan. |
| up to 75 months | 5.85% | Rates effective for current and past three model years. Assumes excellent credit history. Simple interest with no pre-payment penalty. Up to 135% financing available for qualified applicants. 73-84 month financing available on vehicles over $20,000. Approximate monthly payment is $319.02 on a $20,000 loan. |
| up to 84 months | 6.05% | Rates effective for current and past three model years. Assumes excellent credit history. Simple interest with no pre-payment penalty. Up to 135% financing available for qualified applicants. 73-84 month financing available on vehicles over $20,000. Approximate monthly payment is $295.65 on a $20,000 loan. |
Sources (3)
All captured Oct 22, 2026
Motorcycle Loans
APR effective for current and past six model years. Great rates available for older models. Simple interest with no pre-payment penalty. Up to 135% financing available for qualified applicants. 73-84 month financing available on vehicles over $20,000. Maximum term for vehicles under $10,000 is 48 months.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 8.52% | Effective for current and past six model years. Assumes excellent credit history. Approximate monthly payment is $473.65 on a $20,000 loan. Simple interest with no pre-payment penalty. |
| up to 48 months | 8.77% | Effective for current and past six model years. Assumes excellent credit history. Approximate monthly payment is $371.60 on a $20,000 loan. Simple interest with no pre-payment penalty. |
| up to 60 months | 9.02% | Effective for current and past six model years. Assumes excellent credit history. Approximate monthly payment is $311.52 on a $20,000 loan. Simple interest with no pre-payment penalty. |
| up to 72 months | 9.27% | Effective for current and past six model years. Assumes excellent credit history. Approximate monthly payment is $270.38 on a $20,000 loan. Simple interest with no pre-payment penalty. |
| up to 84 months | 9.77% | Effective for current and past six model years. Assumes excellent credit history. Approximate monthly payment is $247.24 on a $20,000 loan. Simple interest with no pre-payment penalty. |
Sources (1)
- riograndecu.org/Rates · captured Oct 22, 2026
Who can join Rio Grande Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.