For more information on insurance requirements, click here. 

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Snag 1% cash back when you finance a vehicle with us2 and if interest rates decrease in the next 18 months, we'll drop yours too!3 Plus, make no payments for 60 days.4 This offer applies for purchases and refinances from another institution! 

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Auto Loan Rates

We're all about transparency for our members. Although rates, terms and conditions are subject to change, see this table for a general guideline when it comes to our lowest rates available by credit tier.

See below for more info on how to read this chart and for definitions of key terms.

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Auto Loan Rates by Credit Score

LTV 60 Month Term 72 Month Term 84* Month Term
≤90% LTV  5.75%  6.05%  6.75% 
≤105% LTV  6.10%  6.40%  7.10% 
≤120% LTV  6.60%  6.90%  7.60% 
LTV 60 Month Term 72 Month Term 84* Month Term
≤90%  6.15%  6.45%  7.15% 
≤105%  6.50%  6.80%  7.50% 
≤120%  7.00%  7.30%  8.0% 
LTV 60 Month Term 72 Month Term 84* Month Term
≤90%  6.75%  7.05%  7.75% 
≤105%  7.10%  7.40%  8.10% 
≤120%  7.60%  7.90%  8.60% 
LTV 60 Month Term 72 Month Term 84* Month Term
≤90%  7.55%  7.95%  8.85% 
≤105%  7.90%  8.30%  9.20% 
≤120%  8.40%  8.80%  9.70% 
LTV 60 Month Term 72 Month Term 84* Month Term
≤90%  9.05%  9.65%  10.85% 
≤105%  9.40%  10.00%  11.20% 
LTV 60 Month Term
≤90%  12.05% 
≤105%  12.40% 

More Info:

  • Rates shown are for vehicles 5 years old or newer. For older vehicles, rates will be higher. 
  • LTV is your Loan to Value Ratio, which looks at the amount you're borrowing compared to the value of the collateral. The lower the better!
  • Loan Term is the length of time you'll be paying back the loan, usually shown in months
  • Credit Score is a number between 300-850 that reflects your likely ability to repay a loan. More info on credit score's five key factors here or log into online banking to check your current score here
  • Auto loan rates may be higher for vehicles older than five years, with high mileage, or due to other factors
  • *84 month term for used vehicles is subject to Copper State CU approval
  • Rates effective July 7, 2025

Tod Hale
Introducing Tod Hale, Auto Consultant

A New Way To Buy, Sell Or Trade

Tod provides a free service to members who want to buy, sell or trade a vehicle. With access to all dealerships and private sellers, he can secure the best deal on your next car.

Want to take a test drive? Tod will bring the vehicle directly to you. There's no haggling or waiting in showrooms anymore. And when you find your perfect ride, he'll deliver it right to your doorstep!

Say goodbye to the traditional car-buying process. 

Contact Our Auto Consultant

Auto Loan Calculator

See how much you can afford. Try a few different rates and terms to see what works for your budget and email them to yourself so you have them for reference.

Your actual term and payment will be provided upon acceptance of a Copper State CU loan. This calculator is for informational purposes only and its use does not guarantee an extension of credit.
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Enjoy A One-Stop Car Buying Experience

We've partnered with AutoSMART to allow members to search, shop and finance through Copper State Credit Union for a quicker, stress-free car buying experience.

Start Car Shopping!
Family sitting in their car
AutoLoanEmail_Icon
Your Smart Choice For Stress-Free Car Buying

An Auto Loan In
3 Easy Steps

  • Apply Using The Online Application

    Get pre-approved before shopping or apply to refinance a vehicle you already own.

  • Obtain Proof Of Insurance

    Once you've picked out your vehicle, purchase your insurance policy and get a copy for us.

  • Sign Then Drive

    With your loan approval, insurance and bill of sale, we'll wrap up the paperwork quickly with your final signature.

Father and son talking about auto loans
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Purchase Or Refinance
The Best Auto Loan

Purchase Or Refinance

Buying a new, or new to you, vehicle can feel overwhelming. You may be concerned that you're overpaying or getting a payment you really can't afford. At Copper State Credit Union, we think you should feel excited about the vehicle you drive, feel safe driving it and feel good about a payment that works with your budget.

If you have a loan somewhere else and your current payment is too high, apply today to see if we can lower your payment by refinancing your loan.

 

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FREE GUIDE

Happy Car Buying: An Ultimate Guide
Ultimate guide for getting the best deal when buying a car.
Car buying made easy. Get the best deal possible!

Our eBook teaches you everything you need to know to get the best deal you can on the car for you!

Included in the free guide:
  1. Best and Worst Times for Car Buying
  2. Top Four Car Buying Options
  3. How Much Car Can I Afford
  4. How To Negotiate When Car Buying
  5. Used Car Buying Tips
  6. New Car Buying Tips

Get your free copy now!
Auto Loan Happiness

An Auto Loan Opens The Road To Possibility

Whether you're driving your kids to school, commuting to your job or have the top down for a Sunday cruise, we understand that having a reliable, safe vehicle is a top priority for you.

It's not just about style, it's about making a living, making a dream come true and making memories through experiences. Copper State Credit Union understands and that's why we'll do everything we can to ensure you have the vehicle you need to pursue all the possibilities that lie ahead.

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Auto Loan Refinance
Lynn M.

You all rock! I just recently joined the credit union. My close friend told me how great you all are. WOW, was she right. I wish I wouldn't have waited so long to join.

Recently, I applied to refinance my car. I felt like this is the first time that someone from a financial institution took time to understand my situation and work with me to get my loan approved. 

Response time, knowledge and communication has been outstanding. I have bought a lot of vehicles/refinanced and I can't tell you how much I appreciate the way this business is ran.

start
Repairing a broken down car
Prepare For The Unexpected

Mechanical Repair Coverage

Vehicle repairs usually happen out of the blue and the costs can be expensive.

Mechanical Repair Coverage (MRC)5 helps protect drivers from unexpected vehicle repair costs. It cover repairs made by a mechanic for things like engine, transmission and electrical system failures.

For more information regarding MRC, please contact our Lending Sales Team or click here to watch a short video. 

Lending Sales Team | 602.375.7302

Proof of Insurance

Vehicle Loan Insurance Requirements

Vehicle insurance is not only a smart way to protect you in the event of an accident, it's required when you have a loan (or lien) on your vehicle.

Copper State Credit Union must be listed as the lienholder/loss payee on your policy. The address you should use on the policy is:

Copper State Credit Union / Insurance Tracking Center
PO Box 692405
San Antonio, TX 78269-2405

Your insurance policy must include:

  • Evidence of having comprehensive and collision coverage on your vehicle
  • Your deductible must not exceed $1,000
  • The collateral description on the policy must match the collateral on the loan document

You must provide us with the policy number, policy period, and insurance company name.

You can fax an updated declaration pages to 1.877.831.1176 or submit them online.

Have a Question?

Frequently Asked Questions

What is an Auto Loan Refinance?

An auto refinance is the process of applying for a new auto loan to pay off your existing auto loan. If your credit score has improved or if interest rates have gone down since you first financed your car, refinancing your auto loan could lower your monthly payment and save you thousands of dollars over the life of your loan.

Can I apply for an Auto Loan if I have not found the car I want yet?

Yes! We recommend applying for a loan before you start shopping, so you know exactly how much you are approved for before heading to the dealership.

Do you have any car buying services available?

Yes! We have partnered with AutoSmart to allow members to search, shop and finance through Copper State Credit Union for a quicker, stress-free car buying experience.

How can I make my loan payment?
  1. You can make fast loan payments online to Copper State Credit Union with a checking or savings account from another financial institution.
  2. Give us a call at 623.580.6000 or 800.224.3330 to make your loan payment over the phone. 
  3. To make a loan payment by mail instead of online or over the phone, please use the address below:

    Copper State Credit Union
    15458 N. 28th Avenue
    Phoenix, AZ 85053
Do you have different rates for new and used vehicles?

No, the rate is the same for both new and used vehicles.

How do I add a bank account from another institution?

First, make sure you're enrolled in Online Banking! Then, download our mobile app.

If logging in from a computer:
1. Once logged in, hover over the Transfer & Pay tab then click Transfer
2. Click More Actions > Add Account > Add an account manually

On our mobile app:
1. Once logged in, click Transfers in the bottom menu 
2. Click Add Account at the top of the screen > Add account manually

You will be prompted to choose the account type, enter your routing number, account number and select a nickname for the account. 

Once submitted, the verification process will begin. To verify the account, we send two small deposits which take approximately 2-3 business days to arrive. Once you receive the trial deposits, you need to log back in to your Copper State CU online banking, click confirm on the pending account and enter in the deposit amounts. After this is confirmed, you'll be able to transfer to and from your external accounts.

1All loans subject to approval. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. For a 72 month term, the amount financed must equal or exceed $15,000. For an 84 month term, the amount financed must equal or exceed $25,000. Refinanced auto loans must be from another financial institution. Annual Percentage Rate range: Rates listed are the lowest and highest annual percentage rates available. Actual APRs and term depend on credit history, type of product and our underwriting standards. For each loan request, Copper State CU will determine the LTV (Loan to Value) using MSRP for new vehicles and Kelley Blue Book retail for used vehicles.

2The 1% cash back promotional incentive applies to vehicle purchases or refinances. The minimum financed by Copper State Credit Union must be greater than or equal to $15,000 to qualify for the promotional incentive. Any earned promotional incentive will be reported to the IRS for tax purposes and will be deposited into the member’s primary share account. Promotion ends December 31, 2025. Restrictions may apply. Offer subject to change without notice.

3The rate adjustment coupon promotional incentive applies to vehicle purchases or refinances. The minimum financed by Copper State Credit Union must be greater than or equal to $15,000 to qualify for the promotional incentive. The rate adjustment coupon may be used within 18 months of the loan funding date. The payment amount and term will not be subject to change. The rate will be modified to the current advertised rate, based on creditworthiness, qualifications and collateral conditions. Promotion ends December 31, 2025. Restrictions may apply. Offer subject to change without notice.

460 Day No Payments offer subject to change without notice.

5Mechanical Repair Coverage is provided and administered by Consumer Program Administrators, Inc. in all states except CA, where coverage is offered as insurance by Virginia Surety Company, Inc., in WA, where coverage is provided by National Product Care Company and administered by Consumer Program Administrators, Inc., in FL, LA and OK, where coverage is provided and administered by Automotive Warranty Services of Florida, Inc. (Florida License #60023 and Oklahoma License #861338), all located at 175 West Jackson Blvd., Chicago Illinois 60604, 800.752.6265. This coverage is made available to you by CUNA Mutual Insurance Agency, Inc. In CA, where Mechanical Repair Coverage is offered as insurance (form MBIC-CA), it is underwritten by Virginia Surety Company, Inc. Coverage varies by state. Be sure to read the Vehicle Service Contract or the Insurance Certificate, which will explain the exact terms, conditions, and exclusions of this voluntary product. MEMBER’S CHOICE® Mechanical Repair Coverage is made available to you by CUNA Mutual Insurance Agency, Inc., and is powered by Forevercar. Inc. CUNA Mutual Group Proprietary and Confidential | Further Reproduction, Adaptation or Distribution Prohibited © CUNA Mutual Group, 2018 All Rights Reserved | 10007589-0318

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