Credit union · NCUA insured
State Employees Credit Union Auto Loan Rates
Top CarrotState Employees Credit Union auto loans start at 2.99% APR for a new vehicle and 6.43% for a used one. Rates checked October 22, 2026.
How State Employees Credit Union’s auto loan rates compare
Compared with banks and credit unions near Albuquerque, NM, where State Employees Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
State Employees Credit Union
2.99%APR
- Terms
- up to 75 months
Auto Loans
2nd-lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
3rd-lowest rate
Kirtland Credit Union
5.04%APR
- Terms
- up to 65 months
State Employees Credit Union auto loan score
87
Auto loan score
Higher than 79% of U.S. banks and credit unions
- New vehicleNew2.99%
- Used vehicleUsed6.43%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where State Employees 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 Loans
Borrow up to 100% of vehicle's value. No prepayment penalty and no processing fees. Rate discounts available up to 0.70% (0.25% for auto pay, 0.10% with Kasasa Checking Account, 0.10% on applicable loans). Approval subject to creditworthiness.
| Terms | APR | Conditions |
|---|---|---|
| up to 66 months | 5.39% | New Vehicle (2023 - 2027). Must use J.D. Power retail on new 2023 models. Must add 1% to vehicles >100k miles. Floor rate of 4.50% APR, max term 84 months. |
| up to 75 months | 5.49% | New Vehicle (Cost over $15,000). Must use J.D. Power retail on new 2023 models. Must add 1% to vehicles >100k miles. Floor rate of 4.50% APR, max term 84 months. |
| up to 84 months | 6.29% | New Vehicle (Cost over $25,000). Must use J.D. Power retail on new 2023 models. Must add 1% to vehicles >100k miles. Floor rate of 4.50% APR, max term 84 months. |
| up to 84 months | 6.43% | Used Vehicle Max Mileage 65K (2019-2022). Must add 1% to vehicles >100k miles. Floor rate of 4.50% APR, max term 84 months. |
| up to 75 months | 6.63% | Used Vehicle (2018 and older). Must add 1% to vehicles >100k miles. Floor rate of 4.50% APR, max term 84 months. |
| up to 66 months | 2.69% | New Vehicle (2019 - 2022). Must add 1% to vehicles >100k miles. Must use J.D. Power retail on new 2019 models. |
| up to 75 months | 2.99% | New Vehicle (Cost over $15,000). Must add 1% to vehicles >100k miles. Must use J.D. Power retail on new 2019 models. |
| up to 84 months | 3.09% | New Vehicle (Cost over $25,000). Must add 1% to vehicles >100k miles. Must use J.D. Power retail on new 2019 models. |
| up to 72 months | 3.24% | Used Vehicle (2015 - 2018). Must add 1% to vehicles >100k miles. |
| up to 60 months | 3.74% | Used Vehicle (2014 and older). Must add 1% to vehicles >100k miles. |
Motorcycle and Power Sport Loans
Interest APR listed as low as. Approval subject to creditworthiness. Excludes RVs, trailers, and watercraft.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 6.99% | New Motorcycles & Dirt Bikes (2025 - 2027). Max term 84 Month. |
| up to 84 months | 7.13% | Used Motorcycles & Dirt Bikes (2002 - 2024). Max term 84 Month. |
Sources (1)
- secunm.org/loans/loans/auto-loans.html · captured Oct 7, 2026
Who can join State Employees Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.