Credit union · NCUA insured
Garden Savings FCU Auto Loan Rates
Top CarrotGarden Savings FCU auto loans start at 4.99% APR for a new vehicle and 5.74% for a used one. Rates checked October 22, 2026.
How Garden Savings FCU’s auto loan rates compare
Compared with banks and credit unions near New York, NY-NJ, where Garden Savings FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Garden Savings FCU
4.99%APR
- Terms
- up to 60 months
- Discount
- None included
New Vehicle Loans
Lowest rate
Westchester Schools FCU
2.90%APR
- Terms
- up to 72 months
- Discount
- None included
2nd-lowest rate
PSFCU
3.50%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Garden Savings FCU auto loan score
79
Auto loan score
Higher than 48% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed5.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Garden Savings FCU 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 Vehicle Loans
Financing available for both new and pre-owned vehicles. Repayment terms up to 84 months. 100% Financing, including Tax, Title and Registration. *A minimum of $12,000.00 financing is required for New Vehicle Loans with a term of 72 Months. Garden Savings does not finance autos purchased through a private seller.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.24% | — |
| up to 36 months | 4.49% | — |
| up to 48 months | 4.74% | — |
| up to 60 months | 4.99% | — |
| up to 72 months | 5.24% | *A minimum of $12,000.00 financing is required for New Vehicle Loans with a term of 72 Months. |
| up to 84 months | 5.24% | *A minimum of $12,000.00 financing is required for New Vehicle Loans with a term of 72 Months. |
Sources (1)
- gardensavingsfcu.org/loans/vehicle-loans/auto-loans.html · captured Oct 4, 2026
Used Vehicle Loans
Financing available for both new and pre-owned vehicles. Repayment terms up to 84 months. 100% Financing, including Tax, Title and Registration. Garden Savings does not finance autos purchased through a private seller.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.99% | — |
| up to 36 months | 5.24% | — |
| up to 48 months | 5.49% | — |
| up to 60 months | 5.74% | — |
| up to 72 months | 5.99% | — |
| up to 84 months | 6.49% | — |
Sources (1)
- gardensavingsfcu.org/loans/vehicle-loans/auto-loans.html · captured Oct 4, 2026
Who can join Garden Savings FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligibility is open to people who live, work, worship, volunteer, attend school, or regularly conduct business in Newark, Jersey City, or Elizabeth.
Employers and groups
- Eligibility is open to employees or members associated with sponsor companies or Select Employer Groups in the field of membership.
- Eligibility is open to residents of New Jersey, New York, or Pennsylvania who become members of the American Consumer Council.
Family and household
- Eligibility is open to immediate family members of existing members as well as persons who reside in their households.
Cost to join
- Opening a Membership Savings account with at least $5 secures membership.
Membership information collected October 5, 2026.