Credit union · NCUA insured
G.A.P. Federal Credit Union Auto Loan Rates
G.A.P. Federal Credit Union auto loans start at 4.50% APR for a new vehicle and 6.00% for a used one. Rates checked October 16, 2026.
How G.A.P. Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Johnstown, PA, where G.A.P. Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
G.A.P. Federal Credit Union
4.50%APR
- Terms
- up to 60 months
New and Used Vehicle Loans
Lowest rate
MERHO Federal Credit Union
4.25%APR
- Terms
- up to 60 months
2nd-lowest rate
PRR South Fork Federal Credit Union
4.25%APR
- Terms
- up to 84 months
G.A.P. Federal Credit Union auto loan score
85
Auto loan score
Higher than 69% of U.S. banks and credit unions
- New vehicleNew4.50%
- 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 G.A.P. Federal 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 and Used Vehicle Loans
Vehicles older than six (6) model years will be financed up to the NADA clean trade-in value for 36 mos at the unsecured rate based on score, title will be held as collateral and full coverage insurance is required. Lower interest rate for 48 & 60 month terms are only offered for New Vehicles with A+, A, & B scores. Rate based on credit worthiness. Contact Credit Union for 84 month terms on Vehicle Loans.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.00% | Model years 2026, 2025. Lower interest rate for 48 & 60 month terms are only offered for New Vehicles with A+, A, & B scores. Rate based on credit worthiness. Rates listed are as low as. |
| up to 60 months | 4.50% | Model years 2026, 2025. Lower interest rate for 48 & 60 month terms are only offered for New Vehicles with A+, A, & B scores. Rate based on credit worthiness. Rates listed are as low as. |
| up to 72 months | 5.00% | Model years 2026, 2025. Rates listed are as low as. |
| up to 72 months | 6.00% | Model years 2024, 2023. Rates listed are as low as. |
Who can join G.A.P. Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of G.A.P. FCU are eligible for membership.
Military, government and schools
- Federal retirees who live in Johnstown, PA, Cambria County, or Somerset Counties, PA are eligible for membership.
- Military personnel stationed at Altoona, PA are eligible for membership.
Family and household
- Immediate family members of employees of G.A.P. FCU are eligible for membership.
- Household members are defined as people living in the same residence as a single economic unit.
- Immediate family members are defined as spouse, child, sibling, parent, grandparent or grandchild, including stepparents, stepchildren, step siblings and adoptions.
1 more way to join
Family and household
- Spouses of persons who died while within the field of membership of G.A.P. Federal Credit Union are eligible for membership.
Membership information collected October 5, 2026.