Credit union · NCUA insured
CDC Federal Credit Union Auto Loan Rates
CDC Federal Credit Union auto loans start at 4.65% APR for a new vehicle and 4.85% for a used one. Rates checked October 22, 2026.
How CDC Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Atlanta, GA, where CDC Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
CDC Federal Credit Union
4.65%APR
- Terms
- 61–72 months
New Auto Loans
Lowest rate
Go Energy Credit Union
3.59%APR
- Terms
- —
2nd-lowest rate
On The Grid Financial
3.75%APR
- Terms
- 49–60 months
CDC Federal Credit Union auto loan score
87
Auto loan score
Higher than 75% of U.S. banks and credit unions
- New vehicleNew4.65%
- Used vehicleUsed4.85%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where CDC Federal Credit Union 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.
Auto Loans
Loans for new and used autos, purchases and refinances. Applicants must qualify under normal underwriting guidelines. Rates vary depending on loan type, term, applicant credit history, and credit union relationship. A relationship discount is offered to qualified borrowers who maintain an active CDC FCU checking account, debit card, direct deposit, and automatic debit.
| Terms | APR | Conditions |
|---|---|---|
| — | 3.75% | Rates as low as 3.75% APR. Lowest rates available; rate based on credit history evaluation, loan type, term, and relationship discount (active CDC FCU checking account, debit card, direct deposit, and automatic debit). |
Sources (1)
- cdcfcu.com/loans/vehicle · captured Oct 5, 2026
New Auto Loans
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.75% | — |
| 25–48 months | 4.75% | — |
| 49–60 months | 4.75% | — |
| 61–72 months | 5.65% | — |
| 61–72 months | 4.65% | Best APR with member rewards discounts |
| 73–84 months | 6.65% | — |
| 73–84 months | 5.65% | Best APR with member rewards discounts |
Sources (1)
- cdcfcu.com/rates/loans · captured Oct 5, 2026
Used Auto Rates
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.95% | — |
| up to 24 months | 3.95% | Best APR with member rewards discounts |
| 25–48 months | 4.95% | — |
| 25–48 months | 3.95% | Best APR with member rewards discounts |
| 49–60 months | 4.95% | — |
| 49–60 months | 3.95% | Best APR with member rewards discounts |
| 61–72 months | 5.85% | — |
| 61–72 months | 4.85% | Best APR with member rewards discounts |
| 73–84 months | 6.85% | — |
| 73–84 months | 5.85% | Best APR with member rewards discounts |
Sources (1)
- cdcfcu.com/rates/loans · captured Oct 5, 2026
Who can join CDC Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals residing or working in portions of DeKalb, Fulton, or Gwinnett Counties are eligible for membership.
Employers and groups
- Employees of the American Cancer Society are eligible for membership.
- Employees of Children's Healthcare of Atlanta are eligible for membership.
- Employees of over 100 other Select Employee Groups are eligible for membership.
- Employees of Whole Foods are eligible for membership.
Military, government and schools
- Employees, subsidiaries, affiliates, or contractors of the Centers for Disease Control and Prevention are eligible for membership.
1 more way to join
Family and household
- Relatives of individuals residing or working in portions of DeKalb, Fulton, or Gwinnett Counties are eligible for membership.
Membership information collected October 4, 2026.