Credit union · NCUA insured
Combined Employees Credit Union Auto Loan Rates
Top CarrotCombined Employees Credit Union auto loans start at 3.75% APR for a new vehicle and 4.25% for a used one. Rates checked October 22, 2026.
How Combined Employees Credit Union’s auto loan rates compare
Compared with banks and credit unions near Warner Robins, GA, where Combined Employees Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Combined Employees Credit Union
3.75%APR
- Terms
- up to 60 months
New & Current Model Autos (Under 15,000 Miles)
Lowest rate
HEA Federal Credit Union
3.75%APR
- Terms
- up to 60 months
2nd-lowest rate
MidSouth Community Federal Credit Union
3.75%APR
- Terms
- 49–60 months
Combined Employees Credit Union auto loan score
95
Auto loan score
Higher than 98% of U.S. banks and credit unions
- New vehicleNew3.75%
- Used vehicleUsed4.25%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Combined Employees 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 & Current Model Autos (Under 15,000 Miles)
Rates as of January 2, 2026. All rates are subject to change. Actual interest rate may vary depending on credit history, collateral, term, and loan to value. Conditions and credit approval may apply. Eligibility required.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 3.75% | As low as rate. |
| 61–72 months | 4.65% | As low as rate. |
| 73–84 months | 5.65% | As low as rate. |
New Autos
Rates as of January 2, 2026. All rates are subject to change. Your actual interest rate may vary depending on your credit history, collateral, term, and loan to value. For all the products and services described herein, conditions and credit approval may apply. Eligibility required.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.00% | as low as rate. |
| 61–66 months | 4.65% | as low as rate. |
| 67–72 months | 5.00% | as low as rate. |
| 73–84 months | 5.65% | as low as rate. |
Sources (2)
All captured Oct 22, 2026
Used Autos
Rates as of January 2, 2026. All rates are subject to change. Your actual interest rate may vary depending on your credit history, collateral, term, and loan to value. For all the products and services described herein, conditions and credit approval may apply. Eligibility required.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.25% | As low as rate. |
| 61–66 months | 5.25% | As low as rate. |
| 67–72 months | 5.50% | As low as rate. |
| 73–84 months | 5.75% | As low as rate. |
Sources (2)
All captured Oct 22, 2026
Used Autos (4-5 Years Old)
Rates as of January 2, 2026. All rates are subject to change. Your actual interest rate may vary depending on your credit history, collateral, term, and loan to value. For all the products and services described herein, conditions and credit approval may apply. Eligibility required.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 6.25% | As low as rate. Vehicle age 4-5 years old. |
| 61–66 months | 6.75% | As low as rate. Vehicle age 4-5 years old. |
| 67–72 months | 7.25% | As low as rate. Vehicle age 4-5 years old. |
Sources (2)
All captured Oct 22, 2026
Used Autos (6-11 Years Old)
Rates as of January 2, 2026. All rates are subject to change. Your actual interest rate may vary depending on your credit history, collateral, term, and loan to value. For all the products and services described herein, conditions and credit approval may apply. Eligibility required.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 7.70% | As low as rate. Vehicle age 6-11 years old. |
| 61–66 months | 7.95% | As low as rate. Vehicle age 6-11 years old. |
| 67–72 months | 8.45% | As low as rate. Vehicle age 6-11 years old. |
Sources (2)
All captured Oct 22, 2026
Who can join Combined Employees 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 work or live in Houston County are eligible for membership.
Employers and groups
- Individuals in one of CECU's Select Employee Groups (SEG) are eligible for membership.
Cost to join
- Membership requires a minimum deposit of $5.00 to a share savings account.
Membership information collected October 4, 2026.