Q2 2026 call reports
Credit union loan rates in Arizona
Arizona credit unions reported a median new auto loan rate of 6.14% on their call reports for the quarter ended June 30, 2026, against 5.46% nationally. Among those with $25 million or more in assets and at least $1 million in auto loans, First American Credit Union reported the lowest, 2.99%.
These are the rates credit unions filed with NCUA, not offers. Your rate depends on credit, term and timing, and you must be eligible to join.
| Loan | Arizona median | US median |
|---|---|---|
| New auto | 6.14% | 5.46% |
| Used auto | 6.58% | 6.32% |
| Credit card | 11.99% | 11.50% |
| Personal | 12.75% | 11.75% |
| Mortgage | 5.74% | 5.75% |
| Home equity | 7.38% | 6.75% |
Lowest credit card rate reported in Arizona: Pima Federal Credit Union, 2.99%. Lowest first mortgage rate: Copper State Credit Union, 3.13%. (Same size rules as the national rankings.)
Every Arizona credit union's reported rates
All 33 Arizona credit unions that reported at least one loan rate, largest first. A dash means it holds no loans of that type.
| Credit union | New auto | Used auto | Credit card | Personal | Mortgage | Home equity |
|---|---|---|---|---|---|---|
| Desert Financial Credit Union | 7.36% | 8.05% | – | 13.79% | 5.76% | 6.40% |
| Oneaz Credit Union | 5.94% | 6.14% | 14.49% | 12.75% | 6.50% | 6.50% |
| Arizona Financial Credit Union | 5.87% | 6.72% | 12.93% | 15.62% | 5.25% | 7.45% |
| Vantage West Credit Union | 7.10% | 7.10% | 17.24% | 10.24% | 5.63% | 7.00% |
| Hughes Federal Credit Union | 8.95% | 8.95% | 11.50% | 16.75% | – | 8.75% |
| Truwest Credit Union | 6.30% | 7.05% | 11.40% | 14.25% | 6.75% | 8.00% |
| Pima Federal Credit Union | 6.74% | 5.74% | 2.99% | 13.99% | 6.63% | 8.00% |
| Credit Union West | 7.22% | 6.58% | 14.32% | 12.63% | 5.96% | 7.69% |
| Tucson Federal Credit Union | 6.24% | 6.24% | 14.00% | 12.00% | 7.06% | 8.81% |
| First Credit Union | 4.99% | 5.24% | 4.90% | 18.00% | 6.50% | 6.75% |
| Arizona Central Credit Union | 6.76% | 7.95% | 10.59% | 12.10% | 5.46% | 7.46% |
| Copper State Credit Union | 5.50% | 4.25% | – | 10.75% | 3.13% | 7.25% |
| Sunwest Federal Credit Union | 6.14% | 6.95% | 15.07% | 11.17% | 3.42% | 7.17% |
| American Southwest Credit Union | 8.00% | 8.00% | 13.75% | 14.00% | 6.75% | 7.35% |
| Avenir Financial Federal Credit Union | 6.16% | 7.68% | – | 13.46% | 4.46% | 8.27% |
| Aero Federal Credit Union | 5.44% | 5.44% | 7.92% | 11.00% | 5.38% | 5.24% |
| Pinal County Federal Credit Union | 6.24% | 6.24% | 7.90% | 18.00% | 6.50% | 6.75% |
| Landings Credit Union | 6.24% | 6.99% | 9.25% | 13.50% | 4.00% | 7.50% |
| Pyramid Federal Credit Union | 5.99% | 5.99% | 13.99% | 17.50% | 6.10% | 7.50% |
| Coconino Federal Credit Union | 6.49% | 7.74% | 12.65% | 12.00% | 6.25% | 8.00% |
| First American Credit Union | 2.99% | 5.74% | 7.99% | 23.00% | 5.74% | 7.25% |
| Cochise Credit Union | 4.50% | 4.50% | 9.90% | 10.00% | 7.23% | 6.75% |
| Banner Federal Credit Union | 6.13% | 6.31% | – | 11.92% | 4.92% | 7.41% |
| Mohave Community Federal Credit Union | 6.06% | 6.74% | 10.90% | 10.53% | – | – |
| Marisol Federal Credit Union | 6.22% | 7.42% | 13.02% | 9.35% | 4.70% | 5.98% |
| Southeastern Arizona Federal Credit Union | 5.50% | 5.75% | 14.90% | 9.45% | 4.99% | – |
| Alhambra Credit Union | 4.25% | 7.00% | 11.99% | 12.00% | 3.24% | 6.25% |
| Rim Country Federal Credit Union | 6.32% | 7.47% | 7.90% | 13.24% | 7.47% | 7.90% |
| Winslow Santa Fe Credit Union | 5.94% | 6.24% | – | 10.00% | 4.35% | – |
| Em Federal Credit Union | 5.50% | 5.25% | – | 9.50% | – | – |
| Prescott Federal Credit Union | 4.50% | 5.00% | 14.00% | 13.50% | – | – |
| U-Haul Federal Credit Union | 5.91% | 6.28% | – | 13.78% | – | – |
| Winslow School Employees Federal Credit Union | 7.00% | 10.00% | – | 13.00% | – | – |
Source: NCUA 5300 Call Report quarterly data, Q2 2026. Not affiliated with NCUA or any credit union. Sort and filter these in the screener · All Arizona credit unions · Lowest rates nationally