Credit union · NCUA insured
Gas & Electric Employees Credit Union Auto Loan Rates
Gas & Electric Employees Credit Union auto loans start at 5.74% APR for a new vehicle and 5.74% for a used one. Rates checked October 16, 2026.
How Gas & Electric Employees Credit Union’s auto loan rates compare
Compared with banks and credit unions near Mason City, IA, where Gas & Electric Employees Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Gas & Electric Employees Credit Union
5.74%APR
- Terms
- up to 60 months
Vehicle Loans
Lowest rate
CENT Credit Union
4.99%APR
- Terms
- up to 60 months
2nd-lowest rate
Iowa Heartland Credit Union
5.25%APR
- Terms
- —
Gas & Electric Employees Credit Union auto loan score
69
Auto loan score
Higher than 25% of U.S. banks and credit unions
- New vehicleNew5.74%
- 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 Gas & Electric Employees 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.
Vehicle Loans
Subject to credit check and credit approval. 100% financing and flexible terms available. Refinance charge of $100 may apply. Titled boats, motorcycles, etc. same as cars.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.99% | Model year 2023-2026. Rate as low as with approved credit. |
| up to 48 months | 5.49% | Model year 2023-2026. Rate as low as with approved credit. |
| up to 60 months | 5.74% | Model year 2023-2026. Rate as low as with approved credit. |
| up to 72 months | 6.24% | Model year 2023-2026. Rate as low as with approved credit. |
| up to 36 months | 5.74% | Model year 2021-2022. Rate as low as with approved credit. |
| up to 48 months | 6.24% | Model year 2021-2022. Rate as low as with approved credit. |
| up to 60 months | 6.49% | Model year 2021-2022. Rate as low as with approved credit. |
| up to 36 months | 6.49% | Model year 2019-2020. Rate as low as with approved credit. |
| up to 48 months | 6.69% | Model year 2019-2020. Rate as low as with approved credit. |
| up to 60 months | 7.49% | Model year 2019-2020. Rate as low as with approved credit. |
| up to 36 months | 7.49% | Model year 2016-2018. Rate as low as with approved credit. |
| up to 48 months | 7.99% | Model year 2016-2018. Rate as low as with approved credit. |
| up to 24 months | 7.49% | Model year 2015 and older. Rate as low as with approved credit. |
| up to 36 months | 7.99% | Model year 2015 and older. Rate as low as with approved credit. |
| up to 48 months | 8.99% | Model year 2015 and older. Rate as low as with approved credit. |
Who can join Gas & Electric Employees Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.