Credit union · NCUA insured
Sandia Area Federal Credit Union Auto Loan Rates
Top CarrotSandia Area Federal Credit Union auto loans start at 5.69% APR for a new vehicle and 5.69% for a used one. Rates checked October 22, 2026.
How Sandia Area Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Albuquerque, NM, where Sandia Area Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Sandia Area Federal Credit Union
5.69%APR
- Terms
- 49–66 months
New and Used 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
Sandia Area Federal Credit Union auto loan score
71
Auto loan score
Higher than 28% of U.S. banks and credit unions
- New vehicleNew5.69%
- Used vehicleUsed5.69%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Sandia Area Federal 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 Refinance
Membership eligibility required. Model years 2023-2027. Up to 125% financing. No refinance charges, no pre-payment penalties. 90 days with no payments (interest accrues during deferral period). Actual interest rate charged is based on credit history, age of vehicle, and loan terms.
| Terms | APR | Conditions |
|---|---|---|
| 1–36 months | 3.99% | Model years 2023-2027. Up to 125% financing. As low as rate requires credit approval. |
| 37–48 months | 4.39% | Model years 2023-2027. Up to 125% financing. As low as rate requires credit approval. |
| 49–66 months | 4.99% | Model years 2023-2027. Up to 125% financing. As low as rate requires credit approval. |
| 67–75 months | 5.19% | Model years 2023-2027. Up to 125% financing. As low as rate requires credit approval. |
| 76–84 months | 5.89% | Model years 2023-2027. Up to 125% financing. As low as rate requires credit approval. |
Sources (1)
- sandia.org/auto-refinance · captured Oct 22, 2026
Motorcycle Loans
Membership eligibility required. Model years 2023-2027. Up to 100% financing. No application or loan fees. Simple interest with no pre-payment penalty. Up to 90 days with no payments (interest accrues during deferral period). Rate assumes excellent credit history; actual rate charged is based on credit history, age of vehicle, and loan terms.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 6.79% | Model years 2023-2027. Up to 100% financing. As low as rate assumes excellent credit history. |
| up to 48 months | 7.29% | Model years 2023-2027. Up to 100% financing. As low as rate assumes excellent credit history. |
| up to 60 months | 7.59% | Model years 2023-2027. Up to 100% financing. As low as rate assumes excellent credit history. |
| up to 72 months | 7.89% | Model years 2023-2027. Up to 100% financing. As low as rate assumes excellent credit history. |
Sources (1)
- sandia.org/motorcycle · captured Oct 22, 2026
New and Used Auto Loans
Membership eligibility required. Model years 2023-2027. Up to 125% financing. No pre-payment penalty. Up to 90 days with no payments (interest accrues during deferral period). Rate assumes excellent credit history; actual rate based on credit history, age of vehicle, and loan terms.
| Terms | APR | Conditions |
|---|---|---|
| 1–36 months | 4.69% | Model years 2023-2027. Up to 125% financing. As low as rate assumes excellent credit history. |
| 37–48 months | 5.09% | Model years 2023-2027. Up to 125% financing. As low as rate assumes excellent credit history. |
| 49–66 months | 5.69% | Model years 2023-2027. Up to 125% financing. As low as rate assumes excellent credit history. |
| 67–75 months | 5.79% | Model years 2023-2027. Up to 125% financing. As low as rate assumes excellent credit history. |
| 76–84 months | 6.39% | Model years 2023-2027. Up to 125% financing. As low as rate assumes excellent credit history. |
Sources (1)
- sandia.org/auto-loans · captured Oct 22, 2026
Who can join Sandia Area Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school in Bernalillo, Sandoval, Santa Fe, Valencia, Torrance, Cibola, Rio Arriba, Mora, San Miguel, or Los Alamos counties are eligible for membership.
Employers and groups
- Anyone committed to Permaculture ethics, graduates of a Permaculture Institute-recognized design course, and members of an affiliated regional Permaculture Institute are eligible for membership.
Family and household
- Immediate family members of an existing Sandia Area member or Sandia Area employee are eligible for membership.
Cost to join
- Establishing membership requires a $5 share deposit and has no membership enrollment fees.
Membership information collected October 4, 2026.