Credit union · NCUA insured
CGR Credit Union Auto Loan Rates
CGR Credit Union auto loans start at 3.75% APR for a new vehicle and 5.65% for a used one. Rates checked October 22, 2026.
How CGR Credit Union’s auto loan rates compare
Compared with banks and credit unions near Macon, GA, where CGR Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
CGR Credit Union
3.75%APR
- Terms
- up to 60 months
- Up to
- 17.20% APR
New Automobile - Current Year (Less Than 15,000 miles)
Lowest rate
MidSouth Community Federal Credit Union
3.75%APR
- Terms
- 49–60 months
- Up to
- —
3rd-lowest rate
Robins Financial Credit Union
4.10%APR
- Terms
- up to 60 months
- Up to
- —
CGR Credit Union auto loan score
89
Auto loan score
Higher than 86% of U.S. banks and credit unions
- New vehicleNew3.75%
- Used vehicleUsed5.65%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where CGR 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.
New Automobile - Current Year (Less Than 15,000 miles)
All loans subject to credit approval. Some restrictions may apply. APR may vary depending on creditworthiness. Vehicle must be current year with less than 15,000 miles.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.75%–16.45% | Rate based on creditworthiness and term of loan. |
| up to 48 months | 3.75%–16.95% | Rate based on creditworthiness and term of loan. |
| up to 60 months | 3.75%–17.20% | Rate based on creditworthiness and term of loan. |
| up to 66 months | 4.25%–17.20% | Rate based on creditworthiness and term of loan. |
| up to 72 months | 4.65%–13.45% | Rate based on creditworthiness and term of loan. |
| up to 84 months | 5.65%–17.20% | Rate based on creditworthiness and term of loan. |
Sources (1)
- cgrcu.org/loan-rates · captured Oct 5, 2026
Used Automobile 4-5 Years Old
All loans subject to credit approval. Some restrictions may apply. APR may vary depending on creditworthiness.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 6.50%–17.10% | Rate based on creditworthiness and term of loan. |
| up to 48 months | 6.80%–17.20% | Rate based on creditworthiness and term of loan. |
| up to 60 months | 7.00%–17.20% | Rate based on creditworthiness and term of loan. |
| up to 66 months | 7.50%–16.95% | Rate based on creditworthiness and term of loan. |
Sources (1)
- cgrcu.org/loan-rates · captured Oct 5, 2026
Used Automobile 6-8 Years Old
All loans subject to credit approval. Some restrictions may apply. APR may vary depending on creditworthiness.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 7.75%–17.20% | Rate based on creditworthiness and term of loan. |
| up to 48 months | 7.95%–17.20% | Rate based on creditworthiness and term of loan. |
| up to 60 months | 8.35%–17.20% | Rate based on creditworthiness and term of loan. |
Sources (1)
- cgrcu.org/loan-rates · captured Oct 5, 2026
Used Automobile 9 Years & Older
All loans subject to credit approval. Some restrictions may apply. APR may vary depending on creditworthiness.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 9.00%–18.00% | Rate based on creditworthiness and term of loan. |
| up to 48 months | 9.25%–18.00% | Rate based on creditworthiness and term of loan. |
| up to 60 months | 9.85%–18.00% | Rate based on creditworthiness and term of loan. |
| up to 66 months | 10.10%–17.10% | Rate based on creditworthiness and term of loan. |
| up to 72 months | 10.40%–15.70% | Rate based on creditworthiness and term of loan. |
| up to 84 months | 11.90%–17.10% | Rate based on creditworthiness and term of loan. |
Sources (1)
- cgrcu.org/loan-rates · captured Oct 5, 2026
Used Automobile Current Year+ 1-3 Years Old
All loans subject to credit approval. Some restrictions may apply. APR may vary depending on creditworthiness.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.25%–17.05% | Rate based on creditworthiness and term of loan. |
| up to 48 months | 5.40%–17.10% | Rate based on creditworthiness and term of loan. |
| up to 60 months | 5.65%–17.20% | Rate based on creditworthiness and term of loan. |
| up to 66 months | 5.90%–17.20% | Rate based on creditworthiness and term of loan. |
| up to 72 months | 6.15%–15.55% | Rate based on creditworthiness and term of loan. |
| up to 84 months | 7.15%–10.40% | Rate based on creditworthiness and term of loan. |
Sources (1)
- cgrcu.org/loan-rates · captured Oct 5, 2026
Who can join CGR 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 who live or work in Bibb, Baldwin, Houston, Jones, Monroe, Peach, or Putnam Counties in Georgia are eligible for membership.
Employers and groups
- Employees of designated Bibb Select Employee Groups (SEGs) are eligible for membership.
- Employees of Georgia Power are eligible for membership.
- Anyone working in healthcare is eligible for membership.
- Employees of Tift Regional Medical Center (including Cook Medical Center) and its associated businesses are eligible for membership.
Military, government and schools
- Employees of the Department of Corrections and some local governments are eligible for membership.
2 more ways to join
Military, government and schools
- Employees of the Department of Corrections and the Department of Veterans Services in Hancock and Washington Counties are eligible for membership.
Family and household
- Family members (by blood, adoption, or marriage), household members of eligible persons/members, and surviving spouses of deceased members are eligible to join.
Membership information collected October 4, 2026.