Credit union · NCUA insured
Church of God Credit Union Auto Loan Rates
Church of God Credit Union auto loans start at 5.99% APR for a new vehicle and 6.00% for a used one. Rates checked October 15, 2026.
How Church of God Credit Union’s auto loan rates compare
Compared with banks and credit unions near Cleveland, TN, where Church of God Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Church of God Credit Union
5.99%APR
- Terms
- up to 72 months
- Up to
- 11.25% APR
New Vehicle
Lowest rate
Appliance Credit Union
3.90%APR
- Terms
- up to 60 months
- Up to
- 9.90% APR
2nd-lowest rate
Bowater Credit Union
3.99%APR
- Terms
- up to 60 months
- Up to
- —
Church of God Credit Union auto loan score
66
Auto loan score
Higher than 16% of U.S. banks and credit unions
- New vehicleNew5.99%
- Used vehicleUsed6.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Church of God 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 Motorcycles
Rates are based upon credit score and item purchased. Financing $15,000+ required for 72 months and $20,000+ for 84 months.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 7.50%–13.50% | — |
| up to 60 months | 7.99%–13.99% | — |
| up to 72 months | 8.50%–14.50% | Requires financing of $15,000 or more. |
| up to 84 months | 9.50%–15.50% | Requires financing of $20,000 or more. |
Sources (1)
- cogcu.org/wp-content/uploads/2…-Loan-Rates-20260414.pdf · captured Oct 15, 2026
New Vehicle
Never been titled or 60 days after financing with a dealership. Rates are based upon credit score and item purchased.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.50%–10.49% | Never been titled or 60 days after financing with a dealership. |
| up to 60 months | 5.99%–10.74% | Never been titled or 60 days after financing with a dealership. |
| up to 72 months | 5.99%–11.25% | Never been titled or 60 days after financing with a dealership. |
| up to 84 months | 6.99%–11.99% | Never been titled or 60 days after financing with a dealership. |
Sources (1)
- cogcu.org/wp-content/uploads/2…-Loan-Rates-20260414.pdf · captured Oct 15, 2026
Used Motorcycles
Rates are based upon credit score and item purchased. Financing $20,000+ required for 72 months and 84 months.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 9.00%–15.00% | — |
| up to 60 months | 9.15%–15.15% | — |
| up to 72 months | 9.50%–15.50% | Requires financing of $20,000 or more. |
| up to 84 months | 10.15%–16.15% | Requires financing of $20,000 or more. |
Sources (1)
- cogcu.org/wp-content/uploads/2…-Loan-Rates-20260414.pdf · captured Oct 15, 2026
Used Vehicles 2019 and older less than 100k
Vehicles model years 2019 and older with less than 100,000 miles. Rates are based upon credit score and item purchased.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.99%–11.99% | — |
| up to 60 months | 6.00%–12.00% | — |
| up to 72 months | 6.25%–12.25% | Requires financing of $20,000 or more. |
| up to 84 months | 6.50%–12.50% | Requires financing of $20,000 or more. |
Sources (2)
All captured Oct 5, 2026
Used Vehicles 2025 - 2020 up to 100k miles
Vehicles model years 2025 - 2020 with up to 100,000 miles. Rates are based upon credit score and item purchased.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.99%–11.25% | — |
| up to 60 months | 6.25%–11.74% | — |
| up to 72 months | 6.55%–12.25% | Requires financing of $20,000 or more. |
| up to 84 months | 6.99%–12.99% | Requires financing of $20,000 or more. |
Sources (1)
- cogcu.org/wp-content/uploads/2…-Loan-Rates-20260414.pdf · captured Oct 15, 2026
Used Vehicles over 100k miles but less than 150k miles
Vehicles with over 100,000 miles but less than 150,000 miles. Rates are based upon credit score and item purchased.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 6.50%–12.50% | — |
| up to 60 months | 6.75%–12.75% | — |
| up to 72 months | 7.75%–13.75% | Requires financing of $20,000 or more depending on mileage. |
Sources (2)
All captured Oct 5, 2026
Used Vehicles over 150k miles
Vehicles with over 150,000 miles. Rates are based upon credit score and item purchased.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 7.25%–13.25% | — |
| up to 60 months | 8.00%–14.00% | — |
| up to 72 months | 9.50%–15.50% | Requires financing of $20,000 or more. |
Sources (2)
All captured Oct 5, 2026
Who can join Church of God Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.