Credit union · NCUA insured
Credit Union of Georgia Auto Loan Rates
Top CarrotCredit Union of Georgia auto loans start at 4.49% APR for a new vehicle and 4.74% for a used one. Rates checked October 22, 2026.
How Credit Union of Georgia’s auto loan rates compare
Compared with banks and credit unions near Atlanta, GA, where Credit Union of Georgia has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Credit Union of Georgia
4.49%APR
- Terms
- 49–60 months
New Vehicle 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
Credit Union of Georgia auto loan score
88
Auto loan score
Higher than 85% of U.S. banks and credit unions
- New vehicleNew4.49%
- Used vehicleUsed4.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Credit Union of Georgia 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 Loan Refinance
Member must show written proof/verification of the offered rate or current loan rate. Current Credit Union loans are not eligible for this offer. Promotion is valid on consumer Cars, SUVs, Trucks, and Vans only. Not valid on Auto Advantage loans, non-private passenger or commercial vehicles, or business loans. Member may choose to defer their first payment for up to 90 days; however, interest begins accruing once the loan is funded. Qualification is based on an assessment of individual creditworthiness and underwriting standards. Members will receive promotional rate for life of loan.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.49% | Rates cannot drop below 3.49% for up to 36 months. |
| up to 48 months | 4.34% | Rates cannot drop below 4.34% for up to 48 months. |
| up to 60 months | 4.44% | Rates cannot drop below 4.44% for up to 60 months. |
| up to 72 months | 4.84% | Rates cannot drop below 4.84% for up to 72 months. |
| up to 84 months | 5.84% | Rates cannot drop below 5.84% for up to 84 months. |
Sources (1)
- cuofga.org/auto-refinance · captured Oct 15, 2026
New Vehicle Loans
All loans are subject to credit approval. Some restrictions may apply. Actual loan rate is dependent upon the year of the vehicle, the date the loan is closed and credit rating. Members are required to have a minimum of a $10 Share Account. Estimated monthly payment per $1,000 is based on the as low as rate quoted. Qualification is based on an assessment of individual creditworthiness and our underwriting standards.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.99% | Estimated monthly payment of $29.58 per $1,000. |
| 37–48 months | 4.24% | Estimated monthly payment of $22.73 per $1,000. |
| 49–60 months | 4.49% | Estimated monthly payment of $18.68 per $1,000. |
| 61–72 months | 4.74% | Estimated monthly payment of $16.02 per $1,000. |
| 73–84 months | 5.24% | Estimated monthly payment of $14.28 per $1,000. |
Sources (2)
All captured Oct 15, 2026
Used Vehicle Loans
All loans are subject to credit approval. Some restrictions may apply. Actual loan rate is dependent upon the year of the vehicle, the date the loan is closed and credit rating. Members are required to have a minimum of a $10 Share Account. Estimated monthly payment per $1,000 is based on the as low as rate quoted. Qualification is based on an assessment of individual creditworthiness and our underwriting standards.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.24% | Estimated monthly payment of $29.69 per $1,000. |
| 37–48 months | 4.49% | Estimated monthly payment of $22.84 per $1,000. |
| 49–60 months | 4.74% | Estimated monthly payment of $18.79 per $1,000. |
| 61–72 months | 4.99% | Estimated monthly payment of $16.14 per $1,000. |
| 73–84 months | 5.74% | Estimated monthly payment of $14.52 per $1,000. |
Sources (2)
All captured Oct 15, 2026
Who can join Credit Union of Georgia
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 Bartow, Cherokee, Cobb, Dawson, Douglas, Fannin, Forsyth, Fulton, Gilmer, Lumpkin, Paulding, Pickens, or Union County are eligible to join.
Other ways
- Residents of Georgia who make a donation of at least $5 to the Credit Union of Georgia Community Foundation are eligible for membership.
Cost to join
- A donation of at least $5 to the Credit Union of Georgia Community Foundation is required for Georgia residents who do not live or work in the served counties.
- Members must maintain a minimum daily balance of $10 in any account, which represents their membership ownership share and keeps membership active.
Membership information collected October 4, 2026.