Credit union · NCUA insured
San Juan Mountains CU Auto Loan Rates
Top CarrotSan Juan Mountains CU auto loans start at 4.25% APR for a new vehicle and 5.25% for a used one. Rates checked October 22, 2026.
How San Juan Mountains CU’s auto loan rates compare
Compared with banks and credit unions near Montrose, CO, where San Juan Mountains CU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
San Juan Mountains CU
4.25%APR
- Terms
- up to 60 months
- Up to
- 16.00% APR
New and Used Auto
2nd-lowest rate
NuVista Credit Union
5.54%APR
- Terms
- —
- Up to
- —
3rd-lowest rate
Zions Bank
6.53%APR
- Terms
- 36–84 months
- Up to
- 12.70% APR
San Juan Mountains CU auto loan score
88
Auto loan score
Higher than 83% of U.S. banks and credit unions
- New vehicleNew4.25%
- Used vehicleUsed5.25%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where San Juan Mountains CU 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 and Used Auto
Rates determined using Risk Base Lending at the time loan application is completed. Simple interest based on unpaid principal balance. Proof of income required. $125.00 application fee. Max calls include Tax, Title, License, D and H, and all Cancelable Back-End Product - will over allow for GAP only.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.25%–16.00% | Model year 2026-2024; Max 100% (A/B Tier), Max 80% (C Tier), Max 75% (D Tier) |
| up to 72 months | 4.75%–16.50% | Model year 2026-2024; Max 100% (A/B Tier), Max 80% (C Tier), Max 75% (D Tier) |
| up to 60 months | 4.75%–16.50% | Model year 2023-2021; Max 100% (A/B Tier), Max 80% (C Tier), Max 75% (D Tier) |
| up to 72 months | 5.25%–17.00% | Model year 2023-2021; Max 100% (A/B Tier), Max 80% (C Tier), Max 75% (D Tier) |
Used Auto
Rates determined using Risk Base Lending at the time loan application is completed. Simple interest based on unpaid principal balance. Proof of income required. $125.00 application fee. Max calls include Tax, Title, License, D and H, and all Cancelable Back-End Product - will over allow for GAP only.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.25%–17.00% | Model year 2020 – Older; Max 100% (A/B Tier), Max 80% (C Tier), Max 75% (D Tier) |
| up to 72 months | 5.75%–17.50% | Model year 2020 – Older; Max 100% (A/B Tier), Max 80% (C Tier), Max 75% (D Tier) |
Who can join San Juan Mountains CU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligibility is open to individuals who live or work in Montrose, Gunnison, San Miguel, Hindsdale, Ouray, Delta, or Mesa County.
Employers and groups
- Eligibility is available through participating Select Employer Groups (SEGs).
Family and household
- All family members of an existing credit union member are eligible for membership.
Cost to join
- A $25.00 deposit is required to start a share account upon completing the membership new account card.
Membership information collected October 4, 2026.