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Vehicle Loan Rates

Shift into gear with Deer Valley Credit Union.
The ideal option for purchasing a vehicle or refinancing your loan.
Whether you want to buy a new or used vehicle, refinance your current auto loan for a better deal, or explore Arizona and beyond in an RV or boat, Copper State Credit Union's rates can benefit you. Choose from various terms to fit your budget.

Rates effective as of November 2, 2020.
Product Type Repayment Terms APR as low as
Autos - New or Used 48 - 84 Months 2.99%
Other - Boats, RVs, etc 48 - 120 Months 4.74%
Motorcycles 48-120 Months 4.74%
Visa Credit CardN/ARates, Terms and 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.

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.

The following guidelines apply to all loans: 

  • Rates will not go below the floor of 2.99% 
  • Rates above reflect the Annual Percentage Rate (APR) 
  • Your rate is based on your current financial situation and credit history


All loans subject to approval. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. Membership is required.