Auto Loan Rates

Use the Auto Loan calculator below to see what your monthly payment could be with these great rates.
Auto Loan Rates
Product Type
Repayment Terms
APR* (as low as)
Product Type
Autos - New or Used
Repayment Terms
48 - 84 Months
APR* (as low as)
Product Type
Other - Boats, RVs, etc
Repayment Terms
48 - 120 Months
APR* (as low as)
Product Type
Repayment Terms
48 - 120 Months
APR* (as low as)
Effective July 1, 2024

APR = Annual Percentage Rate

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.

Start Your Application Here

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Drive with Copper State Credit Union

No Payment For 60 Days

Let us help you purchase your next vehicle and enjoy two months of being stress and payment-free.  

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This offer is subject to change without notice. 

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Auto Loan Features

We go beyond just Auto Loans by offering flexible terms and great rates for all types of vehicles. You can purchase or refinance with us and feel assured that you've gotten a great rate and a monthly payment that works for your budget.

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Low Auto Loan Rates
Keep safety top of mind when selecting your next ride. Our auto loan rates are good for your budget.
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Local Decisions
Our qualified experts don't leave your waiting. As your neighbors, we get your loan approval fast.
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Flexible Repayment Terms
Choose the term that works for your budget. Loan terms range from 24 to 84 months.1
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Easy Online Application
Apply from the safety and comfort of your home 24/7 with our simple application.
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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
Your Smart Choice For Stress-Free Car Buying

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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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.


Apply Now

Happy Car Buying: An Ultimate Guide

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.

Repairing a broken car

Mechanical Repair Coverage

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Why Would I Want To Purchase MRC?
The average cost for a major repair could be around $5,500 and as your vehicle gets older, the risk and cost of repair increases.
When Can I Purchase MCR For My Vehicle?
You can purchase MRC as long as the vehicle is 15 model years or newer, has 150,000 miles or less and meets other basic eligibility requirements.
What Costs Are Covered For A Repair?
There are three levels of coverage available based on what you want covered. Cause and Effect damage is also covered. If a covered part fails and causes damage to an uncovered part, both parts are covered.
But I Do My Own Repairs?
Repairs can still be costly even if you do them yourself. With MRC you’ll get; repair guarantee, roadside assistance, and reimbursement for rental and travel expenses, paintless dent repair, and key replacement.
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.

2Mechanical 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