Drive Down Your Payments
Save 0.75% off our already low auto refinance rates and enjoy 90 days without payments when you apply before November 30, 2026.
We’re offering a special rate on Automobile Refinancing between September 1 and November 30, 2026. Qualifying members can earn up to 0.75% off our already low rates and no payment for 90 days**.
| Automobiles & Trucks | Maximum Term | As Low As APR* | Special Offer Refinance Rate 0.50% DiscountAs Low As APR* | Special Offer Refinance Rate Preferred Member 0.75% DiscountAs Low As APR* |
|---|---|---|---|---|
| 2026-2024 | Up to 36 mos. | 4.59% | 4.09% | 3.84% |
| 2026-2024 | Up to 48 mos. | 5.09% | 4.59% | 4.34% |
| 2026-2024 | 65 mos. | 5.29% | 4.79% | 4.54% |
| 2026-2024 | 75 mos. | 5.39% | 4.89% | 4.64% |
| 2026-2024 | 84 mos. | 5.99% | 5.49% | 5.24% |
| 2023-2020 | 84 mos. | 6.39% | 5.89% | 5.64% |
| 2019-2016 | 72 mos. | 6.49% | 5.99% | 5.74% |
| 2015-2012 | Up to 48 mos. | 6.79% | 6.29% | 6.04% |
When you refinance your automobile loan with Kirtland Credit Union, you can lower your monthly payment, reduce your interest rate, or pay off your loan faster. It all depends on what works best for you. Use the Auto Refinancing Calculator below to see your potential savings.
Improved credit or market conditions could get you a better interest rate, saving money over time.
Extending your loan term can reduce monthly payments and ease your budget.
Refinance to shorten your term and pay off faster—or lengthen it to lower payments.
Refinancing your auto loan could be a smart move if you’re looking to lower your monthly payments, reduce your interest rate, or both.
Start by entering your current loan balance, monthly payment, and interest rate. We’ll estimate how much time you have left on the loan. Then, adjust the refinancing options to see what a lower rate or different term could do for your monthly payment and overall cost. Don’t forget – Kirtland CU doesn’t charge an auto loan refinance fee. So be sure to set that slider to $0.
The rates shown in this calculator are for illustrative purposes only. Actual refinancing rates, loan terms, and fees depend on your credit history and other factors.
To learn more about current refinancing rates and options, contact the Kirtland CU team.
Kirtland CU is rooted in the community. Our employees live and work alongside you. We support many local schools, charities, and local programs.
In addition, we are your full-service partner, offering everything you could want from a not-for-profit financial cooperative — checking, savings, investing, loans, mortgages, and more, all backed by the latest technology and unbeatable customer service with our focus on you. It’s the Credit Union difference.
Membership eligibility required. Kirtland FCU welcomes veteran, active-duty, and retired members of all branches of the U.S. military, including NM National Guard and Reserve, who have ever been served by KAFB; contractors, employees, and retirees of businesses who work on or with KAFB under contract with the U.S. Government; members and employees of partner organizations throughout Albuquerque; and family members of eligible or existing members. A member must open and maintain at least one share (savings) account with a minimum balance before any other account may be opened. See a representative for complete details.
*APR = Annual Percentage Rate
** Promotion runs September 1- November 30, 2026. Vehicle Loan interest rates and loan funding are dependent on creditworthiness and the prime rate and are subject to credit approval. Vehicle loans are dependent on the model year and down payment. Rates shown are as of 7/31/2026. Rates are effective the first of each month and are subject to change at any time without notice. Membership required.
Your membership must also be in good standing, as follows, and all must be met to qualify for our Member Preferred Rate (0.25% discount) for auto loans: Must be current on existing debt (no loans past due), must have minimum par share in Main Share account ($5 per person), no accounts in the negative, and no outstanding fees owed to the credit union. For complete account details, refer to the Truth-In-Savings Disclosure and fee schedule.
Save 0.75% off our already low auto refinance rates and enjoy 90 days without payments when you apply before November 30, 2026.