Credit union · NCUA insured
U-1st Community Federal Credit Union Auto Loan Rates
U-1st Community Federal Credit Union auto loans start at 5.49% APR for a new vehicle and 5.89% for a used one. Rates checked October 29, 2026.
How U-1st Community Federal Credit Union’s auto loan rates compare
New vehicle, lowest advertised APR. The lowest rate among banks and credit unions with branches in each area.
This credit union’s lowest
U-1st Community Federal Credit Union
5.49%APR
Automobile Loans
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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.
Automobile Loans
On Approved Credit (OAC). Membership required. Rates start as low as stated. Financing available whether buying from a dealer or private seller.
| Terms | APR | Conditions |
|---|---|---|
| — | 5.49% | Rates start as low as 5.49% APR for new vehicles. OAC; membership required. |
| — | 5.89% | Rates start as low as 5.89% APR for used vehicles. OAC; membership required. |
Sources (3)
- u1stcommfcu.net
- u1stcommfcu.net/services/loan-services
- u1stcommfcu.net/fall-into-the-…that-puts-you-in-control
All captured Oct 29, 2026
U-1st Community Federal Credit Union auto loan score
70
Auto loan score
Higher than 25% of U.S. banks and credit unions
- New vehicleNew5.49%
- Used vehicleUsed5.89%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Who can join U-1st Community 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This may be incomplete or out of date, so check with the credit union before you apply.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
- Persons who live, work, worship, or attend school in, and businesses and other legal entities located in Eddy County, New Mexico.
Family and household
- Spouses of persons who died while within the field of membership of this credit union, employees of this credit union, volunteers in the community, members of their immediate family or household, and organizations of such persons.
Other ways
- Members of the credit union as of January 13, 2000.
Cost to join
- $26.00 required to establish Membership Account.
Membership information collected October 4, 2026.