--- title: "Sunward Credit Union: #1 New Auto Loan in New Mexico" description: "Sunward Credit Union has the lowest tracked new-car loan rate in New Mexico (5.75% APR) among 14 credit unions we verify. Sunward Credit Union rates today: vehicle loans from 4.55% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Sunward Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/new-mexico/sunward" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Sunward Credit Union: #1 New Auto Loan in New Mexico ### Auto & vehicle rates 4 offers | Product | Published | Rate | Term / condition | Status | | **New & Used Vehicle** auto_any | 4.550% APR | 4.550% | any | Standard | | **New Auto Loan** auto_new | 5.750% APR | 5.750% | new | Standard | | **New RVs, Motorcycles, ATVs, Boats, Boat Motors, Trailers** rv_new | 7.250% APR | 7.250% | new | Standard | | **Used RVs, Motorcycles, ATVs, Boats, Boat Motors, Trailers** rv_used | 7.250% APR | 7.250% | used | Standard | Sunward Credit Union auto & vehicle rates as of November 12, 2026 Vehicle loans available from 4.55% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/new-mexico/sunward) , verified from [Sunward Credit Union's official website](https://gosunward.org/) Best product position **#1 of 14** new-car loan Gap to state best **0 bp** State market leader Vs. state median **26 bp behind median** new-car loan Products ranked **1** across tracked New Mexico markets | Product | Published APR | Position | Vs. state best | Vs. state median | | new-car loan | 5.75% | #1 of 14 · lowest in New Mexico | State market leader | 26 bp behind median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Sunward Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=sunward&state=new-mexico&code=NM&name=Sunward%20Credit%20Union) Loading branch locator… ## About Sunward Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 174.9K Assets $4.5B Founded 1948 Locations reported 15 NCUA charter 5851 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 - Financial education - First-time homebuyer program - Student scholarships 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. [**Sandia Area** Montgomery · Albuquerque · NM · 87111 About 0.7 miles away](https://rateapi.dev/credit-unions/new-mexico/sandia-area) [**Kirtland** Kirtland Federal Credit Union Montgomery Branch · Albuquerque · NM · 87111 About 1.8 miles away](https://rateapi.dev/credit-unions/new-mexico/kirtland) [**Nusenda** Juan Tabo · Albuquerque · NM · 87112-1825 About 1.9 miles away](https://rateapi.dev/credit-unions/new-mexico/nusenda) [**U.s. Eagle** Juan Tabo Branch · Albuquerque · NM · 87112-3303 About 2.6 miles away](https://rateapi.dev/credit-unions/new-mexico/us-eagle) [**First Financial** Cherry Hills · Albuquerque · NM · 87111-1046 About 2.7 miles away](https://rateapi.dev/credit-unions/new-mexico/first-financial) [**Rio Grande** Lomas · Albuquerque · NM · 87112 About 3.9 miles away](https://rateapi.dev/credit-unions/new-mexico/rio-grande) 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 Sunward Credit Union Membership eligibility from Sunward Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Sunward Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer Sunward partner companies - Association American Consumer Council (ACC), National Museum of Nuclear Science & History, Albuquerque International Association Verified from [Sunward Credit Union's membership page](https://gosunward.org/who-can-join/) . Final membership determination is always made by the credit union. ## Membership rules for Sunward Credit Union Employers · Associations 3 · Family 5 published paths to membership, last verified August 21, 2026, quoted from Sunward Credit Union’s own published criteria. ### Employers 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Employee of Sunward partner companies “Current and retired employees of more than 1,400 Sunward partner companies and their family and household members can apply for membership.” > [source ↗](https://gosunward.org/who-can-join/) - Employee of Sunward partner companies ### Associations 3 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Member of American Consumer Council “An easy way to become eligible to apply for Sunward membership is to become a member of the American Consumer Council (ACC). Membership is free, and Sunward will process your membership for you.” > [source ↗](https://gosunward.org/who-can-join/) - Member of American Consumer Council - Member of National Museum of Nuclear Science & History “Members of the National Museum of Nuclear Science & History or the Albuquerque International Association can apply (membership fees apply for these organizations).” > [source ↗](https://gosunward.org/who-can-join/) - Member of National Museum of Nuclear Science & History - Member of Albuquerque International Association “Members of the National Museum of Nuclear Science & History or the Albuquerque International Association can apply (membership fees apply for these organizations).” > [source ↗](https://gosunward.org/who-can-join/) - Member of Albuquerque International Association ### Family 1 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, child, sibling, parent, grandparent, grandchild, household member “Family and household members of current members can apply.” > [source ↗](https://gosunward.org/who-can-join/) - Family member (spouse, child, sibling, parent, grandparent, grandchild, household member) 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 Sunward Credit Union? Yes No ## Work at Sunward 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 Sunward Credit Union ranks against New Mexico peers. - See which AI assistants fetched Sunward 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=sunward&state=new-mexico&code=NM&name=Sunward%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Sunward Credit Union offer? Sunward Credit Union currently offers vehicle loan rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Sunward Credit Union rates updated? RateAPI verifies Sunward Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Sunward Credit Union's rate data? Rate data is collected directly from Sunward Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What are Sunward Credit Union's auto & rv loan rates? As of November 12, 2026, Sunward Credit Union offers vehicle loans from 4.55% APR. ### Who can join Sunward Credit Union? Sunward Credit Union publishes its membership criteria on its own website. RateAPI tracks 5 published membership paths covering 1 employer and 3 associations for Sunward Credit Union, each quoted from Sunward Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Sunward 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) [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://gosunward.org/) ### 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 Sunward 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 Sunward Credit Union curl "https://api.rateapi.dev/credit-unions/new-mexico /sunward " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Sunward Credit Union locations Search, filter, and browse all 15 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/sunward Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp