Credit union · NCUA insured
Southeastern Arizona Federal Credit Union Auto Loan Rates
Southeastern Arizona Federal Credit Union auto loans start at 6.25% APR for a new vehicle and 6.50% for a used one. Rates checked October 3, 2026.
How Southeastern Arizona Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Sierra Vista, AZ, where Southeastern Arizona Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Southeastern Arizona Federal Credit Union
6.25%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- None included
New Vehicle Loan
Lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
- Up to
- —
- Discount
- None included
2nd-lowest rate
Cochise Credit Union
4.50%APR
- Terms
- up to 84 months
- Up to
- 15.00% APR
- Discount
- Included in the rate
Southeastern Arizona Federal Credit Union auto loan score
63
Auto loan score
Higher than 9% of U.S. banks and credit unions
- New vehicleNew6.25%
- Used vehicleUsed6.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Southeastern Arizona 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 Motorcycles/ATV
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 5.75% | — |
Sources (1)
- seafcu.com/loanrates.html · captured Oct 3, 2026
New Vehicle Loan
2021 and Newer; 10,000 miles or less. Rates may be adjusted due to excessive mileage or other factors. Salvage title vehicles are not accepted.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.25% | — |
| up to 60 months | 6.25% | — |
| up to 72 months | 6.50% | Amount up to $25,000 |
| up to 84 months | 6.75% | Amount greater than $30,000 |
Used Motorcycles/ATV
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 6.75% | — |
Sources (1)
- seafcu.com/loanrates.html · captured Oct 3, 2026
Used Vehicle Loan
2012 and Newer. Rates may be adjusted due to excessive mileage or other factors. Salvage title vehicles are not accepted.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.50% | — |
| up to 60 months | 6.50% | — |
| up to 72 months | 6.75% | Amount up to $25,000 |
| up to 84 months | 7.15% | Amount greater than $30,000 |
Who can join Southeastern Arizona 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
- Membership is available to anyone who lives, works, worships, or attends school in Cochise County, Arizona.
Membership information collected October 4, 2026.