Credit union · NCUA insured
Winslow Santa Fe Credit Union Auto Loan Rates
Winslow Santa Fe Credit Union auto loans start at 5.94% APR for a new vehicle and 6.24% for a used one. Rates checked October 22, 2026.
How Winslow Santa Fe Credit Union’s auto loan rates compare
Compared with banks and credit unions near Show Low, AZ, where Winslow Santa Fe Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Winslow Santa Fe Credit Union
5.94%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- None included
New Cars, (2025 to 2026)
Lowest rate
PNC
5.34%APR
- Terms
- —
- Up to
- 20.69% APR
- Discount
- Included in the rate
2nd-lowest rate
Arizona Central Credit Union
5.70%APR
- Terms
- up to 63 months
- Up to
- —
- Discount
- None included
Winslow Santa Fe Credit Union auto loan score
65
Auto loan score
Higher than 14% of U.S. banks and credit unions
- New vehicleNew5.94%
- Used vehicleUsed6.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Winslow Santa Fe 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 Cars, (2025 to 2026)
Interest rates are based on approved credit on scores 675-750. Financing up to 100% of MSRP plus tax, license, service contract up to $5,000.00, and doc fee. Full coverage insurance must be carried on all secured loans with maximum deductible $750. Vehicle refinances within the credit union must be for payoff plus $3,000.00.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.74% | Based on approved credit on scores 675-750. |
| up to 48 months | 5.74% | Based on approved credit on scores 675-750. |
| up to 60 months | 5.94% | Based on approved credit on scores 675-750. |
| up to 66 months | 6.09% | Over $20,000; based on approved credit on scores 675-750. |
| up to 72 months | 6.24% | Over $20,000; based on approved credit on scores 675-750. |
| up to 84 months | 6.74% | Over $25,000; based on approved credit on scores 675-750. |
Sources (1)
- wsfcu.net/lending · captured Oct 7, 2026
Used Cars (2024 and older)
Interest rates are based on approved credit on scores 675-750. Financing up to Middle Blue Book including options, adding or subtracting for mileage plus tax, license, service contracts, and doc fee. Full coverage insurance must be carried on all secured loans with maximum deductible $750. Vehicle refinances within the credit union must be for payoff plus $3,000.00.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.94% | Based on approved credit on scores 675-750. |
| up to 48 months | 5.94% | Based on approved credit on scores 675-750. |
| up to 60 months | 6.24% | Based on approved credit on scores 675-750. |
| up to 66 months | 6.69% | Over $20,000; based on approved credit on scores 675-750. |
| up to 72 months | 7.64% | Over $20,000; based on approved credit on scores 675-750. |
| up to 84 months | 8.14% | Over $25,000; based on approved credit on scores 675-750. |
Sources (1)
- wsfcu.net/lending · captured Oct 7, 2026
Who can join Winslow Santa Fe Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- BNSF Railroad employees working into or out of Winslow are eligible for membership.
- Employees of Little Colorado Medical Center, Staff Doctors, and their employees are eligible for membership.
- Employees of this Credit Union are eligible for membership.
- Winslow Ministerial Association members are eligible for membership.
- Denny's employees are eligible for membership.
- Winslow Walmart employees are eligible for membership.
5 more ways to join
Military, government and schools
- Winslow Department of Correction employees are eligible for membership.
- City of Winslow employees are eligible for membership.
Family and household
- Immediate family members of current members are eligible for membership.
Other ways
- Persons who ceased employment with the qualifying employer groups who wish to retain membership are eligible.
- Individuals who are sponsored by a member of the credit union are eligible for membership.
Cost to join
- A minimum deposit of $25 remains in the account as a minimum deposit.
- A five dollar fee is required as a lifetime membership fee.
Membership information collected October 4, 2026.