Credit union · NCUA insured
Garden State Federal Credit Union Auto Loan Rates
Garden State Federal Credit Union auto loans start at 5.24% APR for a new vehicle and 4.99% for a used one. Rates checked October 22, 2026.
How Garden State Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Philadelphia, PA-NJ-DE-MD, where Garden State Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Garden State Federal Credit Union
5.24%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- None included
New Car Loan Rates
Lowest rate
GE Credit Union
3.99%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- Included in the rate
2nd-lowest rate
American Airlines Federal Credit Union
4.09%APR
- Terms
- 37–60 months
- Up to
- 13.14% APR
- Discount
- None included
Garden State Federal Credit Union auto loan score
82
Auto loan score
Higher than 60% of U.S. banks and credit unions
- New vehicleNew5.24%
- Used vehicleUsed4.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Garden State 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.
Motorcycle Loan Rates
| Terms | APR | Conditions |
|---|---|---|
| — | 4.74%–18.00% | — |
Sources (1)
- gardenstatefcu.org/loans-rates/rates · captured Oct 15, 2026
New Car Loan Rates
Up to 135% financing is available including tax, tags, Extended Warranties, and GAP Insurance. We can finance vehicles up to 7 years old.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.24% | — |
| up to 72 months | 5.99% | — |
| up to 84 months | 6.24% | — |
Sources (2)
All captured Oct 15, 2026
Used Car Loan Rates
Up to 135% financing is available including tax, tags, Extended Warranties, and GAP Insurance. We can finance vehicles up to 7 years old.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.99% | Preferred Rate; Coupon book add 0.50; Rates could be higher based on FICO score and Loan-to-Value (LTV). |
| up to 72 months | 5.74% | Preferred Rate; Coupon book add 0.50; Rates could be higher based on FICO score and Loan-to-Value (LTV). |
| up to 84 months | 5.99% | Preferred Rate; Coupon book add 0.50; Rates could be higher based on FICO score and Loan-to-Value (LTV). |
Sources (2)
All captured Oct 15, 2026
Who can join Garden State Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.