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New car, used car, family car, dream car; we’ve got an auto loan for you. At State ECU, our local, experienced staff is ready to help you along your car buying journey with local decisions, personalized support, and some of the best rates you’ll find in New Mexico. 

Home Grown Auto Loans

Enjoy no car payments for 90 days, $250 cash, and some of the best rates you’ll find in New Mexico. Wherever you call home, we understand your auto loan needs because we’re from the same place you are. Purchase or refinance your auto loan before August 31.

  • 90 Days No Payments2
  • $250 Cash3
  • Purchase or Refinance4
  • Meet or Beat Your Rate1
  • Entered to win $2005
  • $1 donated to Children's Miracle Network for every $1,000 financed through State ECU's auto loan promotion6


  • Buy new or used
  • Borrow up to 100% of vehicle’s value
  • Save with a competitive rate
  • Variety of terms available (up to 84 months)
  • Pre-approval available
  • Affordable payments
  • Convenient automatic payment options
  • No Prepayment Penalty
  • No processing fees
  • Easy application process
  • Friendly and convenient service
  • Decisions made here in New Mexico

Enjoy extra savings with our Membership Benefits:

  • Up to 0.70% off of your loan rate
  • 0.25% rate discount for auto pay
  • 0.10% rate discount with Kasasa Checking Account
  • 0.10% rate discount on applicable loans
  • GAP protection available
  • Extended warranties available

Dealer Vehicles
Get the facts before you buy. State ECU's Autosmart tool lets you browse local dealer inventory and see which new and used vehicles are priced fairly. With our price analysis, you can be confident that you're getting the best deal, or you can use that information to negotiate. 
See Dealer Vehicles
Repo Vehicles
Ready to get behind the wheel? Browse our inventory of repossessed vehicles and score outstanding bargains on used cars and trucks.
See Repo Vehicles

1Floor rate of 2.69% APR (Annual Percentage Rate) max term 80 months. 2The first month’s payment may reflect a smaller or zero principal reduction due to the number of days of interest accrued from the closing date to the first payment date. 3Loan must be active for a minimum of 12 months. 4New money only, minimum of $10,000. Qualifications may apply, visit for more details. OAC. Apply in branch or online. Expires August 31, 2022. 6All proceeds benefit the Children’s Miracle Network. Donation cap is $25,000, or the equivalent of 25 Million in funded promotional auto loans.

5Official Sweepstake Rules

Participants are entered upon account funding of a new auto loan. Open to legal residents of New Mexico who are 18 years of age or older. Void where prohibited or restricted by law. By entering the State Employees Credit Union’s (State ECU) Sweepstake, you acknowledge that you understand and will abide by these Official Sweepstakes Rules. Valid only for entries between 5/1/2022 and 8/31/2022. Participants receive one(1) entry to win upon account funding of a new auto loan. “New Auto Loan” is defined by financing a new or used vehicle through State ECU, or refinancing an existing loan from another financial institution. A random drawing will be held the first week of September. Seven (7) winners will receive their choice of a $200 gift card or direct deposit to their account. Winners do not need not be present to win. Winner is responsible for all taxes. Consult your tax adviser for consequences. The winner may be required to sign an IRS Form W-9 or the equivalent. Entrants must be at least 18 years of age or older to participate. State ECU employees are not eligible to win. The odds of winning depend on the number of entries received.  A list of winners may be obtained by writing to State ECU at 811 St. Michael’s Drive, Santa Fe, NM 87505, Attention: State ECU Marketing. Entrance to the sweepstakes available to all State ECU members. Void where prohibited. Limited to New Mexico residents only. State ECU is not responsible for errors, fraud or other events affecting the sweepstakes which are beyond the Credit Union’s control. The Credit Union reserves the right to terminate or modify the sweepstakes at any time in its sole discretion. Not available to contestants in all states. Credit Union employees, volunteers and members of their immediate family are not eligible to participate. By participating in the sweepstakes, each entrant agrees to release and hold harmless the Credit Union, its officers, employees, volunteers, etc., from any and all claims or liability arising directly or indirectly from any prize or the sweepstakes. The winner(s) of a prize may be asked to sign a release and have their picture taken consenting to the use of the winner’s name and likeness for publicity purposes. By participating in the sweepstakes, the winner(s) of a prize agrees to have his/her name, voice, picture or likeness used in any advertising or broadcasting material relating to the sweepstakes. The sweepstakes winner may be asked to sign a release stating the same.

Ride off into the sunset.