--- title: "Eddy Credit Union Rates - New Mexico" description: "Current vehicle loan, and personal loan rates from Eddy Credit Union in New Mexico. Updated daily with source verification. See who can join Eddy Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/new-mexico/eddy" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Eddy Credit Union Rates - New Mexico ### Auto & vehicle rates 53 offers | Product | Published | Rate | Term / condition | Status | | **Auto Loan** auto | — APR | 5.740% | — | Standard | | **24-Month New Auto Loan** auto_new_24mo | — APR | 5.740% | 24 mo · new | Context only | | **36-Month New Auto Loan** auto_new_36mo | — APR | 5.990% | 36 mo · new | Context only | | **48-Month New Auto Loan** auto_new_48mo | — APR | 6.240% | 48 mo · new | Context only | | **24-Month Used Auto Loan** auto_used_24mo | — APR | 6.740% | 24 mo · used | Context only | | **60-Month New Auto Loan** auto_new_60mo | — APR | 6.740% | 60 mo · new | Context only | | **72-Month New Auto Loan** auto_new_72mo | — APR | 6.990% | 72 mo · new | Context only | | **36-Month Used Auto Loan** auto_used_36mo | — APR | 6.990% | 36 mo · used | Context only | | **48-Month Used Auto Loan** auto_used_48mo | — APR | 7.240% | 48 mo · used | Context only | | **84-Month New Auto Loan** auto_new_84mo | — APR | 7.490% | 84 mo · new | Context only | | **Recreational** powersports | — APR | 7.740% | — | Context only | | **24-Month New Auto Loan** auto_new_24mo | — APR | 7.740% | 24 mo · new | Context only | | **60-Month Used Auto Loan** auto_used_60mo | — APR | 7.740% | 60 mo · used | Context only | | **Recreational new and used** powersports_any_36mo | — APR | 7.740% | 36 mo · any | Context only | | **Recreational new and used** powersports_any_48mo | — APR | 7.990% | 48 mo · any | Context only | | **36-Month New Auto Loan** auto_new_36mo | — APR | 7.990% | 36 mo · new | Context only | | **72-Month Used Auto Loan** auto_used_72mo | — APR | 7.990% | 72 mo · used | Context only | | **48-Month New Auto Loan** auto_new_48mo | — APR | 8.240% | 48 mo · new | Context only | | **Recreational new and used** powersports_any_60mo | — APR | 8.250% | 60 mo · any | Context only | | **84-Month Used Auto Loan** auto_used_84mo | — APR | 8.490% | 84 mo · used | Context only | | **24-Month Used Auto Loan** auto_used_24mo | — APR | 8.740% | 24 mo · used | Context only | | **60-Month New Auto Loan** auto_new_60mo | — APR | 8.740% | 60 mo · new | Context only | | **36-Month Motorcycle Loan** motorcycle_any_36mo | — APR | 8.740% | 36 mo | Context only | | **Recreational new and used** powersports_any_36mo | — APR | 8.740% | 36 mo · any | Context only | | **Recreational new and used** powersports_any_72mo | — APR | 8.750% | 72 mo · any | Context only | | **Recreational new and used** powersports_any_48mo | — APR | 8.990% | 48 mo · any | Context only | | **72-Month New Auto Loan** auto_new_72mo | — APR | 8.990% | 72 mo · new | Context only | | **36-Month Used Auto Loan** auto_used_36mo | — APR | 8.990% | 36 mo · used | Context only | | **Recreational new and used** powersports_any_84mo | — APR | 9.000% | 84 mo · any | Context only | | **48-Month Used Auto Loan** auto_used_48mo | — APR | 9.240% | 48 mo · used | Context only | | **Recreational new and used** powersports_any_60mo | — APR | 9.250% | 60 mo · any | Context only | | **60-Month Motorcycle Loan** motorcycle_any_60mo | — APR | 9.250% | 60 mo | Context only | | **84-Month New Auto Loan** auto_new_84mo | — APR | 9.490% | 84 mo · new | Context only | | **Recreational new and used** powersports_any_96mo | — APR | 9.500% | 96 mo · any | Context only | | **36-Month Motorcycle Loan** motorcycle_any_36mo | — APR | 9.740% | 36 mo | Context only | | **Classic Vehicle loan** auto_any_24mo | — APR | 9.740% | 24 mo | Context only | | **Recreational new and used** powersports_any_72mo | — APR | 9.750% | 72 mo · any | Context only | | **72-Month Motorcycle Loan** motorcycle_any_72mo | — APR | 9.750% | 72 mo | Context only | | **Classic Vehicle loan** auto_any_36mo | — APR | 9.990% | 36 mo | Context only | | **60-Month Used Auto Loan** auto_used_60mo | — APR | 9.990% | 60 mo · used | Context only | | **Recreational new and used** powersports_any_84mo | — APR | 10.000% | 84 mo · any | Context only | | **84-Month Motorcycle Loan** motorcycle_any_84mo | — APR | 10.000% | 84 mo | Context only | | **Classic Vehicle loan** auto_any_48mo | — APR | 10.240% | 48 mo | Context only | | **72-Month Used Auto Loan** auto_used_72mo | — APR | 10.240% | 72 mo · used | Context only | | **60-Month Motorcycle Loan** motorcycle_any_60mo | — APR | 10.250% | 60 mo | Context only | | **Classic Vehicle loan** auto_any_60mo | — APR | 10.490% | 60 mo | Context only | | **84-Month Used Auto Loan** auto_used_84mo | — APR | 10.490% | 84 mo · used | Context only | | **Recreational new and used** powersports_any_96mo | — APR | 10.500% | 96 mo · any | Context only | | **Mobile Home Loan** auto | — APR | 10.500% | — | Standard | | **72-Month Motorcycle Loan** motorcycle_any_72mo | — APR | 10.750% | 72 mo | Context only | | **Recreational new and used** powersports_any_120mo | — APR | 10.750% | 120 mo · any | Context only | | **Classic Vehicle loan** auto_any_72mo | — APR | 10.990% | 72 mo | Context only | | **84-Month Motorcycle Loan** motorcycle_any_84mo | — APR | 11.000% | 84 mo | Context only | Eddy Credit Union auto & vehicle rates as of November 13, 2026 ### Personal loan rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Unsecured Personal Loan** personal_unsecured | — APR | 11.500% | — | Standard | Eddy Credit Union personal loan rates as of November 13, 2026 ### Other rates 4 offers | Product | Published | Rate | Term / condition | Status | | **Mobile Home new & Used** other | — % | 10.500% | — | Context only | | **Mobile Home new & Used** other | — % | 10.990% | — | Context only | | **Siganture** other | — % | 11.500% | — | Context only | | **Mobile Home new & Used** other | — % | 11.500% | — | Context only | Eddy Credit Union other rates as of November 13, 2026 Eddy Credit Union is a credit union in New Mexico. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/new-mexico/eddy) , verified from [Eddy Credit Union's official website](https://www.eddyfederalcu.com/) Loading branch locator… ## About Eddy Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 5K Assets $62.1M Founded 1954 Locations reported 2 NCUA charter 9566 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Bilingual services - Credit-builder products Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**U-1st Community** Vital Records Center · CARLSBAD · NM · 88220 About 12.5 miles away](https://rateapi.dev/credit-unions/new-mexico/u-1st-community) [**Financial Security** Financial Security Credit Union South Branch · Carlsbad · NM · 88220 About 12.9 miles away](https://rateapi.dev/credit-unions/new-mexico/financial-security) [**Internationalites** Internationalites FCU · Carlsbad · NM · 88220-5109 About 13.7 miles away](https://rateapi.dev/credit-unions/new-mexico/internationalites) [**Artesia** Credit Union Office · Artesia · NM · 88210-2000 About 36.6 miles away](https://rateapi.dev/credit-unions/new-mexico/artesia) [**Otero** South Main Office · Roswell · NM · 88203-1837 About 73.0 miles away](https://rateapi.dev/credit-unions/new-mexico/otero) [**Estacado** BRANCH OFFICE · EUNICE · NM · 88231 About 74.0 miles away](https://rateapi.dev/credit-unions/new-mexico/estacado) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Eddy Credit Union Membership eligibility from Eddy Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Eddy Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer U.S. Post Office, Bureau of Land Management - Association Organizations of such persons Verified from [Eddy Credit Union's membership page](https://www.eddyfederalcu.com/about-us) . Final membership determination is always made by the credit union. ## Membership rules for Eddy Credit Union Employers 3 · Associations · Family 2 6 published paths to membership, last verified August 21, 2026, quoted from Eddy Credit Union’s own published criteria. ### Employers 3 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Employee of Eddy Federal Credit Union “Employees of this credit union” > [source ↗](https://www.eddyfederalcu.com/about-us) - Employee of Eddy Federal Credit Union - Employee of U.S. Post Office - Works in city:NM:lovington “Employees of the U.S. Post Office or Bureau of Land Management who work in Hobbs or Lovington, New Mexico” > [source ↗](https://www.eddyfederalcu.com/about-us) - Employee of U.S. Post Office and Works in Lovington, NM - Employee of Bureau of Land Management - Works in city:NM:lovington “Employees of the U.S. Post Office or Bureau of Land Management who work in Hobbs or Lovington, New Mexico” > [source ↗](https://www.eddyfederalcu.com/about-us) - Employee of Bureau of Land Management and Works in Lovington, NM ### Associations 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Member of Organizations of such persons “Organizations of such persons” > [source ↗](https://www.eddyfederalcu.com/about-us) - Member of Organizations of such persons ### Family 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Family of a member spouse “Spouses of persons who died while within the field of membership of this credit union” > [source ↗](https://www.eddyfederalcu.com/about-us) - Family member (spouse) of a member - Family of a member immediate family “Members of their immediate families” > [source ↗](https://www.eddyfederalcu.com/about-us) - Family member (immediate family) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Eddy Credit Union? Yes No ## Work at Eddy Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Eddy Credit Union ranks against New Mexico peers. - See which AI assistants fetched Eddy Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in New Mexico - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=eddy&state=new-mexico&code=NM&name=Eddy%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Eddy Credit Union offer? Eddy Credit Union currently offers vehicle loan, and personal loan rates. The rates shown on this page were last verified November 13, 2026 directly from the credit union's official website. ### How often are Eddy Credit Union rates updated? RateAPI verifies Eddy Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 13, 2026. ### Where does RateAPI get Eddy Credit Union's rate data? Rate data is collected directly from Eddy Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### Who can join Eddy Credit Union? Eddy Credit Union publishes its membership criteria on its own website. RateAPI tracks 6 published membership paths covering 3 employers and 1 association for Eddy Credit Union, each quoted from Eddy Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Eddy Credit Union's rates against national credit-union benchmarks. [More New Mexico credit unions](https://rateapi.dev/credit-unions/new-mexico) [New Mexico auto loan rate leaders](https://rateapi.dev/auto-loan-rates/new-mexico) [New Mexico personal loan leaders](https://rateapi.dev/personal-loan-rates/new-mexico) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.eddyfederalcu.com/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Eddy Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when New Mexico credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Eddy Credit Union curl "https://api.rateapi.dev/credit-unions/new-mexico /eddy " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Eddy Credit Union locations Search, filter, and browse all 2 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/new-mexico/eddy Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp