Credit union · NCUA insured
TruWest Credit Union Auto Loan Rates
Top CarrotTruWest Credit Union auto loans start at 6.25% APR for a new vehicle and 6.25% for a used one. Rates checked October 22, 2026.
How TruWest Credit Union’s auto loan rates compare
Compared with banks and credit unions near Phoenix, AZ, where TruWest Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
TruWest Credit Union
6.25%APR
- Terms
- 49–63 months
- Up to
- 13.85% APR
New/Used Auto Loan
Lowest rate
Southwest Airlines Federal Credit Union
3.94%APR
- Terms
- —
- Up to
- —
2nd-lowest rate
TruGrocer Federal Credit Union
3.99%APR
- Terms
- 24–84 months
- Up to
- —
TruWest Credit Union auto loan score
64
Auto loan score
Higher than 12% of U.S. banks and credit unions
- New vehicleNew6.25%
- Used vehicleUsed6.25%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where TruWest 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/Used Auto Loan
Valid for new/used auto purchases and refinances from another institution, and may be valid for private party purchases. 'New Auto' means current and prior model year with less than 30,000 miles; 'Used Auto' means current and prior model year with 30,000+ miles, and any earlier model regardless of mileage. Must be a TruWest member with a minimum $5 deposit.
| Terms | APR | Conditions |
|---|---|---|
| 49–63 months | 6.25%–13.85% | — |
| 64–75 months | 6.49%–14.10% | — |
| 76–84 months | 6.74%–12.73% | — |
New/Used Motorcycle Loan
On approved credit. Cannot be combined with other offers. Must be a TruWest member with a minimum deposit of $5 to qualify.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 10.50%–12.00% | On approved credit. Cannot be combined with other offers. Must be a TruWest member with a minimum deposit of $5. |
| 61–72 months | 11.00%–12.50% | — |
Who can join TruWest Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligible if you live, work, own a business, or attend school in Maricopa, Pinal, Pima, or Yavapai County, AZ, or Travis or Williamson County, TX.
Family and household
- Eligible if you are related to a current member as a spouse, natural or adopted child, foster or step-child, parent or parent-in-law, grandparent or grandchild, brother or sister, stepbrother or stepsister, brother- or sister-in-law, or son- or daughter-in-law.
- Eligible if you are the surviving spouse of a deceased member.
Cost to join
- Must have a minimum $5 opening deposit and continued balance.
Membership information collected October 4, 2026.