Credit union · NCUA insured
ZIA CU Auto Loan Rates
ZIA CU auto loans start at 4.50% APR for a new vehicle and 6.99% for a used one. Rates checked October 22, 2026.
How ZIA CU’s auto loan rates compare
Compared with banks and credit unions near Santa Fe, NM, where ZIA CU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
ZIA CU
4.50%APR
- Terms
- up to 60 months
- Up to
- —
New Auto Loan (2023 or newer)
Lowest rate
State Employees Credit Union
2.99%APR
- Terms
- up to 75 months
- Up to
- —
3rd-lowest rate
Northern New Mexico School Employees Federal Credit Union
4.75%APR
- Terms
- 49–60 months
- Up to
- 18.00% APR
Northern New Mexico School Employees Federal Credit Union rates
ZIA CU auto loan score
83
Auto loan score
Higher than 61% of U.S. banks and credit unions
- New vehicleNew4.50%
- Used vehicleUsed6.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where ZIA CU 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 Auto Loan (2023 or newer)
All loans subject to credit approval. Actual APR determined at disbursement based on application and credit information. Up to 130% financing available on approved credit. ZAP loyalty rewards can lower auto loan rates.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.50% | As low as APR for 2023 or newer vehicles. Actual APR based on creditworthiness. |
| 72–75 months | 4.74% | As low as APR for 2023 or newer vehicles. Actual APR based on creditworthiness. |
| up to 84 months | 6.49% | As low as APR for 2023 or newer vehicles. Actual APR based on creditworthiness. |
Used Auto Loan (2015 and older)
All loans subject to credit approval. Actual APR determined at disbursement based on application and credit information. Up to 130% financing available on approved credit. Terms of up to 48 months for older models (2015 and older).
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 8.25% | As low as APR for 2015 and older models. Actual APR based on creditworthiness. |
| up to 36 months | 8.75% | As low as APR for 2015 and older models. Actual APR based on creditworthiness. |
| up to 48 months | 9.25% | As low as APR for 2015 and older models. Actual APR based on creditworthiness. |
| up to 60 months | 10.00% | As low as APR for 2015 and older models. Actual APR based on creditworthiness. |
Used Auto Loan (2016-2022)
All loans subject to credit approval. Actual APR determined at disbursement based on application and credit information. Up to 130% financing available on approved credit. Terms of up to 72 months for used models (2022-2016).
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 6.99% | As low as APR for 2016-2022 models. Actual APR based on creditworthiness. |
| 72–75 months | 7.49% | As low as APR for 2016-2022 models. Actual APR based on creditworthiness. |
Who can join ZIA CU
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Anyone who makes a one-time donation of at least $10.00 to the Zia Credit Union Education Foundation is eligible for membership.
Where you live or work
- Individuals who live, work, or worship in Bernalillo, Doña Ana, Los Alamos, Mora, Rio Arriba, San Miguel, Sandoval, Santa Fe, Sierra, Socorro, Taos, Torrance, or Valencia counties are eligible for membership.
- Individuals who live, work, or worship in a primarily rural and/or underserved area of New Mexico are eligible for membership.
Family and household
- Individuals related to a current ZIA CU member are eligible for membership.
Other ways
- Former members of ZIA CU are eligible to rejoin.
Cost to join
- Membership requires opening a Share Savings Account with a minimum balance of $25.
Membership information collected October 4, 2026.