Credit union · NCUA insured
Delta Community Credit Union Auto Loan Rates
Top CarrotDelta Community Credit Union auto loans start at 3.99% APR for a new vehicle and 3.99% for a used one. Rates checked October 22, 2026.
How Delta Community Credit Union’s auto loan rates compare
Compared with banks and credit unions near Atlanta, GA, where Delta Community Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Delta Community Credit Union
3.99%APR
- Terms
- up to 60 months
- Up to
- 14.39% APR
New Cars
Lowest rate
Go Energy Credit Union
3.59%APR
- Terms
- —
- Up to
- —
2nd-lowest rate
On The Grid Financial
3.75%APR
- Terms
- 49–60 months
- Up to
- —
Delta Community Credit Union auto loan score
94
Auto loan score
Higher than 96% of U.S. banks and credit unions
- New vehicleNew3.99%
- Used vehicleUsed3.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Delta Community 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 Cars
Rates based on creditworthiness, loan terms and other factors. Financing up to 100% of vehicle value as stated in J.D. Power appraisal guides. No application or origination fee. No pre-payment penalties. Branded titles (salvaged, bonded, odometer discrepancy, rebuilt, reconstructed) not accepted.
| Terms | APR | Conditions |
|---|---|---|
| up to 12 months | 3.99%–14.39% | Available September 1 – October 31, 2026. Rate based on creditworthiness, loan terms and other factors. |
| up to 24 months | 3.99%–14.39% | Available September 1 – October 31, 2026. Rate based on creditworthiness, loan terms and other factors. |
| up to 36 months | 3.99%–14.39% | Available September 1 – October 31, 2026. Rate based on creditworthiness, loan terms and other factors. |
| up to 48 months | 3.99%–14.39% | Available September 1 – October 31, 2026. Rate based on creditworthiness, loan terms and other factors. |
| up to 60 months | 3.99%–14.39% | Available September 1 – October 31, 2026. Rate based on creditworthiness, loan terms and other factors. |
| 61–72 months | 4.49%–15.09% | Available September 1 – October 31, 2026. Rate based on creditworthiness, loan terms and other factors. Requires loan amount greater than or equal to $20,000. |
| 73–84 months | 4.99%–15.79% | Available September 1 – October 31, 2026. Rate based on creditworthiness, loan terms and other factors. Requires loan amount greater than or equal to $30,000. |
Used Cars
Used autos are generally less than 15 years old and have less than 125,000 miles, with exceptions for vintage and classic cars. Rates based on creditworthiness, loan terms and other factors. Financing up to 100% of vehicle value as stated in J.D. Power appraisal guides. No application or origination fee. No pre-payment penalties. Branded titles (salvaged, bonded, odometer discrepancy, rebuilt, reconstructed) not accepted.
| Terms | APR | Conditions |
|---|---|---|
| up to 12 months | 3.99%–14.69% | Available September 1 – October 31, 2026. Rate based on creditworthiness, loan terms and other factors. |
| up to 24 months | 3.99%–14.69% | Available September 1 – October 31, 2026. Rate based on creditworthiness, loan terms and other factors. |
| up to 36 months | 3.99%–14.69% | Available September 1 – October 31, 2026. Rate based on creditworthiness, loan terms and other factors. |
| up to 48 months | 3.99%–14.69% | Available September 1 – October 31, 2026. Rate based on creditworthiness, loan terms and other factors. |
| up to 60 months | 3.99%–14.69% | Available September 1 – October 31, 2026. Rate based on creditworthiness, loan terms and other factors. |
| 61–72 months | 4.49%–15.39% | Available September 1 – October 31, 2026. Rate based on creditworthiness, loan terms and other factors. Requires loan amount greater than or equal to $20,000. |
| 73–84 months | 4.99%–16.09% | Available September 1 – October 31, 2026. Rate based on creditworthiness, loan terms and other factors. Requires loan amount greater than or equal to $30,000. |
Who can join Delta Community Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Businesses that operate within 20 designated metro Atlanta, Georgia counties are eligible for business accounts.
- Anyone living or working in the 20 designated metro Atlanta, Georgia counties is eligible for membership.
Employers and groups
- Members of listed participating associations are eligible for membership.
- Current, former, or retired employees of listed participating companies and affiliated employer groups are eligible for membership.
Military, government and schools
- Current, former, or retired employees of listed government entities and educational institutions are eligible for membership.
Family and household
- Persons related by blood, adoption, marriage, or qualifying domestic partnership to an existing credit union member are eligible for membership.
1 more way to join
Other ways
- Non-U.S. citizen active full-time Delta Air Lines employees residing in approved foreign countries are eligible for foreign membership.
Membership information collected October 4, 2026.