Credit union · NCUA insured
U.S. Eagle Federal Credit Union Auto Loan Rates
U.S. Eagle Federal Credit Union auto loans start at 5.24% APR for a new vehicle and 5.24% for a used one. Rates checked October 22, 2026.
How U.S. Eagle Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Albuquerque, NM, where U.S. Eagle Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
U.S. Eagle Federal Credit Union
5.24%APR
- Terms
- 37–66 months
New and Used Auto Loans
Lowest rate
State Employees Credit Union
2.99%APR
- Terms
- up to 75 months
2nd-lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
U.S. Eagle Federal Credit Union auto loan score
79
Auto loan score
Higher than 48% of U.S. banks and credit unions
- New vehicleNew5.24%
- Used vehicleUsed5.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where U.S. Eagle 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.
Motorcycle Loans
All loans subject to credit approval. Must qualify for US Eagle membership including $5 share account deposit.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 7.99% | Motorcycles - New & Used. Rate as low as 7.49% APR with MemPerx Max Benefit. Determined on approved credit; 'as low as' rates assume excellent borrower credit history. Minimum loan balances may apply. |
Sources (2)
All captured Oct 3, 2026
New and Used Auto Loans
All loans subject to credit approval. Must qualify for US Eagle membership including $5 share account deposit.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.24% | Vehicle Year 2022-2027. Rate as low as 3.74% APR with MemPerx Max Benefit. Determined on approved credit; 'as low as' rates assume excellent borrower credit history. Minimum loan balances may apply. |
| 37–66 months | 5.24% | Vehicle Year 2022-2027. Rate as low as 4.74% APR with MemPerx Max Benefit. Determined on approved credit; 'as low as' rates assume excellent borrower credit history. Minimum loan balances may apply. |
| 67–75 months | 5.49% | Vehicle Year 2022-2027. Rate as low as 4.99% APR with MemPerx Max Benefit. Determined on approved credit; 'as low as' rates assume excellent borrower credit history. Minimum loan balances may apply. |
| 76–84 months | 6.19% | Vehicle Year 2022-2027. Rate as low as 5.69% APR with MemPerx Max Benefit. Determined on approved credit; 'as low as' rates assume excellent borrower credit history. Minimum loan balances may apply. |
| up to 65 months | 6.89% | Vehicle Year 2019-2021. Rate as low as 6.39% APR with MemPerx Max Benefit. Determined on approved credit; 'as low as' rates assume excellent borrower credit history. Minimum loan balances may apply. |
| 66–75 months | 6.99% | Vehicle Year 2019-2021. Rate as low as 6.49% APR with MemPerx Max Benefit. Determined on approved credit; 'as low as' rates assume excellent borrower credit history. Minimum loan balances may apply. |
| up to 60 months | 7.09% | Vehicle Year 2016-2018. Rate as low as 6.59% APR with MemPerx Max Benefit. Determined on approved credit; 'as low as' rates assume excellent borrower credit history. Minimum loan balances may apply. |
| 36–48 months | 7.79% | Vehicle Year 2015 & Older. Rate as low as 7.29% APR with MemPerx Max Benefit. Determined on approved credit; 'as low as' rates assume excellent borrower credit history. Minimum loan balances may apply. |
Sources (3)
All captured Oct 3, 2026
Who can join U.S. Eagle Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Anyone who does not meet other qualifications may become eligible by funding a $10.00 contribution to the ARNIA foundation.
Where you live or work
- Individuals who live, work, worship, or attend school in San Juan County, NM, or in census tracts 0101, 0103, 0104, 010701, and 010501 in Sandoval County, NM are eligible for membership.
Employers and groups
- Employees or members of one of more than 400 partner organizations (SEGs) are eligible for membership.
Military, government and schools
- U.S. Government employees (accruing regular benefits) working in or supervised from Bernalillo, Valencia, or Socorro County, NM are eligible, subject to specified agency and base exclusions.
Family and household
- Individuals who have a family member or roommate who is an existing U.S. Eagle member are eligible.
Cost to join
- A share deposit of $5 is required for opening a savings account as part of ownership requirements.
- A $10.00 contribution to ARNIA is required when joining via the foundation donation route.
Membership information collected October 4, 2026.