Credit union · NCUA insured
Artesian City FCU Auto Loan Rates
Artesian City FCU auto loans start at 4.99% APR for a new vehicle and 4.99% for a used one. Rates checked October 22, 2026.
How Artesian City FCU’s auto loan rates compare
Compared with banks and credit unions near Albany, GA, where Artesian City FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Artesian City FCU
4.99%APR
- Terms
- up to 84 months
- Up to
- 13.50% APR
New Vehicle ($25k. MSRP)
Lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
- Up to
- —
2nd-lowest rate
Georgia's Own Credit Union
4.76%APR
- Terms
- up to 60 months
- Up to
- —
Artesian City FCU auto loan score
83
Auto loan score
Higher than 62% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed4.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Artesian City FCU ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Motorcycle Loans
Loan amount limits based on MSRP or NADA retail value and determined by creditworthiness of the borrower. Term options available based upon amount financed.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 6.75% | Base Rate. Up to $10,000.00. Loan amount limits based on MSRP or NADA retail value and determined by creditworthiness of the borrower. |
| up to 60 months | 6.75% | Base Rate. $10,001.00 to $15,000.00. Loan amount limits based on MSRP or NADA retail value and determined by creditworthiness of the borrower. |
| up to 72 months | 8.75% | Base Rate. Over $15,000.00. Loan amount limits based on MSRP or NADA retail value and determined by creditworthiness of the borrower. |
Sources (1)
- artesianfcu.org/loans/loan-rates · captured Oct 15, 2026
New Motorcycle
Fixed APR.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 3.99% | Fixed APR. Monthly payment. |
Sources (1)
- artesianfcu.org/rates · captured Oct 15, 2026
New Vehicle
Fixed APR.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 2.99%–12.50% | Fixed APR. Monthly payment. |
| up to 36 months | 2.99%–12.50% | Fixed APR. Monthly payment. |
| up to 48 months | 2.99%–12.50% | Fixed APR. Monthly payment. |
| up to 60 months | 3.29%–12.99% | Fixed APR. Monthly payment. |
Sources (1)
- artesianfcu.org/rates · captured Oct 15, 2026
New Vehicle ($14k. MSRP)
Fixed APR. Minimum $14k MSRP.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 3.99%–13.24% | Fixed APR. Monthly payment. Minimum $14k MSRP. |
Sources (1)
- artesianfcu.org/rates · captured Oct 15, 2026
New Vehicle ($25k. MSRP)
Fixed APR. Minimum $25k MSRP.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.99%–13.50% | Fixed APR. Monthly payment. Minimum $25k MSRP. |
Sources (1)
- artesianfcu.org/rates · captured Oct 15, 2026
Used Motorcycle
Fixed APR.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.99%–10.00% | Fixed APR. Monthly payment. |
| up to 48 months | 4.10%–10.10% | Fixed APR. Monthly payment. |
| up to 60 months | 4.20%–10.20% | Fixed APR. Monthly payment. |
Sources (1)
- artesianfcu.org/rates · captured Oct 15, 2026
Used Vehicle ($14k. MSRP) (model years 2013-2020)
Fixed APR. Model years 2013-2020. Minimum $14k MSRP.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 3.99%–14.49% | Fixed APR. Monthly payment. Model years 2013-2020. Minimum $14k MSRP. |
Sources (1)
- artesianfcu.org/rates · captured Oct 15, 2026
Used Vehicle ($25k. MSRP) (model years 2013-2020)
Fixed APR. Model years 2013-2020. Minimum $25k MSRP.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.99%–14.99% | Fixed APR. Monthly payment. Model years 2013-2020. Minimum $25k MSRP. |
Sources (1)
- artesianfcu.org/rates · captured Oct 15, 2026
Used Vehicle (model years 2012 and older)
Fixed APR. Model years 2012 and older.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 5.50%–13.99% | Fixed APR. Monthly payment. Model years 2012 and older. |
| up to 36 months | 5.50%–13.99% | Fixed APR. Monthly payment. Model years 2012 and older. |
| up to 48 months | 5.50%–13.99% | Fixed APR. Monthly payment. Model years 2012 and older. |
| up to 60 months | 5.50%–13.99% | Fixed APR. Monthly payment. Model years 2012 and older. |
| up to 72 months | 6.50%–14.99% | Fixed APR. Monthly payment. Model years 2012 and older. |
Sources (1)
- artesianfcu.org/rates · captured Oct 15, 2026
Used Vehicle (model years 2013 - 2019)
Fixed APR. Model years 2013 - 2019.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 2.99%–13.49% | Fixed APR. Monthly payment. Model years 2013 - 2019. |
| up to 36 months | 2.99%–13.49% | Fixed APR. Monthly payment. Model years 2013 - 2019. |
| up to 48 months | 2.99%–13.49% | Fixed APR. Monthly payment. Model years 2013 - 2019. |
| up to 60 months | 3.29%–13.99% | Fixed APR. Monthly payment. Model years 2013 - 2019. |
Sources (1)
- artesianfcu.org/rates · captured Oct 15, 2026
Vehicle Loans (4 Years or Older)
Rates may vary based on individual creditworthiness. Term Limits over 72 months are only available for loans secured by current to 3-year-old autos and require a 1.00% addition to the applicant's qualifies policy rate.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.75%–15.75% | Rates may vary based on individual creditworthiness. |
| 61–72 months | 6.25%–16.25% | Rates may vary based on individual creditworthiness. |
Sources (1)
- artesianfcu.org/loans/loan-rates · captured Oct 15, 2026
Vehicle Loans (Current up to 3 Years Old)
Rates may vary based on individual creditworthiness. Term Limits over 72 months are only available for loans secured by current to 3-year-old autos and require a 1.00% addition to the applicant's qualifies policy rate.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.50%–14.50% | Rates may vary based on individual creditworthiness. |
| 61–72 months | 5.00%–15.00% | Rates may vary based on individual creditworthiness. |
Sources (1)
- artesianfcu.org/loans/loan-rates · captured Oct 15, 2026
Who can join Artesian City FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, worships, or attends school in Dougherty County, Georgia is eligible for membership.
- Individuals who live, worship, work, or go to school in Dougherty, Lee, or Worth County are eligible for membership.
Employers and groups
- Employees and associates of four participating Select Employee Groups are eligible for membership.
Family and household
- Membership privileges extend to family members of eligible employee group members.
Cost to join
- A minimum share/savings deposit of $5.00 is required to open an account and join.
Membership information collected October 4, 2026.