Credit union · NCUA insured
Santa Fe Federal Credit Union Auto Loan Rates
Santa Fe Federal Credit Union auto loans start at 6.99% APR for a new vehicle and 4.99% for a used one. Rates checked October 16, 2026.
How Santa Fe Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Amarillo, TX, where Santa Fe Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Santa Fe Federal Credit Union
6.99%APR
- Terms
- up to 84 months
- Discount
- None included
New and Used Vehicles (2026 - 2021)
Lowest rate
The People's Federal Credit Union
4.59%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
2nd-lowest rate
ALLIANCE Credit Union
4.70%APR
- Terms
- —
- Discount
- None included
Santa Fe Federal Credit Union auto loan score
80
Auto loan score
Higher than 53% of U.S. banks and credit unions
- New vehicleNew6.99%
- Used vehicleUsed4.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Santa Fe 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.
New and Used Vehicles (2026 - 2021)
Rates effective as of 4/1/2026. Rate is based on individual credit score and loan term. Rates subject to change at any time.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.99% | Fixed Rate |
| up to 48 months | 4.99% | Fixed Rate |
| up to 60 months | 4.99% | Fixed Rate |
| up to 72 months | 4.99% | Fixed Rate |
| up to 84 months | 6.99% | Fixed Rate. New Vehicles Only. |
Sources (2)
All captured Oct 7, 2026
Used Vehicles (2004 and older)
Rates effective as of 4/1/2026. Rate is based on individual credit score and loan term. Rates subject to change at any time.
| Terms | APR | Conditions |
|---|---|---|
| up to 12 months | 8.99% | — |
Sources (1)
- santafefcu.com/about-us/about/rates/loan-rates · captured Oct 7, 2026
Used Vehicles (2005-2009)
Rates effective as of 4/1/2026. Rate is based on individual credit score and loan term. Rates subject to change at any time.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 7.99% | — |
Sources (1)
- santafefcu.com/about-us/about/rates/loan-rates · captured Oct 7, 2026
Used Vehicles (2010-2014)
Rates effective as of 4/1/2026. Rate is based on individual credit score and loan term. Rates subject to change at any time.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 6.99% | Fixed Rate |
Sources (1)
- santafefcu.com/about-us/about/rates/loan-rates · captured Oct 7, 2026
Used Vehicles (2015-2020)
Rates effective as of 4/1/2026. Rate is based on individual credit score and loan term. Rates subject to change at any time.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.99% | Fixed Rate |
Sources (1)
- santafefcu.com/about-us/about/rates/loan-rates · captured Oct 7, 2026
Who can join Santa Fe Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.