Phoenix auto loan rates: local credit unions vs big banks (April 2026 comparison)

Published a full comparison of auto loan rates in the Phoenix metro.

Top credit unions:

• Desert Financial CU: 4.99% APR for 60 months
• OneAZ CU: 5.24% APR
• Arizona Federal CU: 5.49% APR

Big banks:

• Chase: 6.59% APR
• Wells Fargo: 6.49% APR
• Bank of America: 6.24% APR

Arizona's statewide average auto loan rate is 10.58%, meaning most people are paying way more than they need to.

Membership at Desert Financial is open to anyone who lives, works, or worships in Maricopa County.

Building sidekick.vin to help car owners find savings like this.