Credit union · NCUA insured
GCTFCU Auto Loan Rates
GCTFCU auto loans start at 5.40% APR for a new vehicle and 6.15% for a used one. Rates checked October 16, 2026.
How GCTFCU’s auto loan rates compare
Compared with banks and credit unions near Killeen, TX, where GCTFCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
GCTFCU
5.40%APR
- Terms
- up to 60 months
- Discount
- None included
New Autos
Lowest rate
PenFed Credit Union
3.84%APR
- Terms
- up to 60 months
- Discount
- None included
2nd-lowest rate
Texell Credit Union
4.24%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
GCTFCU auto loan score
70
Auto loan score
Higher than 26% of U.S. banks and credit unions
- New vehicleNew5.40%
- Used vehicleUsed6.15%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where GCTFCU 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 Autos
Down payment may be required. Rates figured with approved credit and automatic/electronic payment; a rate discount up to 0.25% APR may be given for auto loan signed up with automatic/electronic payments. Will rate match with approved credit.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.40% | A credit tier. APR as low as stated. |
| up to 60 months | 6.65% | B credit tier. APR as low as stated. |
| up to 60 months | 9.90% | C credit tier. APR as low as stated. |
Sources (1)
- gctfcu.net/current-rates · captured Oct 7, 2026
Used Autos
Down payment may be required. Rates figured with approved credit and automatic/electronic payment; a rate discount up to 0.25% APR may be given for auto loan signed up with automatic/electronic payments. Will rate match with approved credit.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 6.15% | A credit tier. APR as low as stated. |
| up to 60 months | 7.40% | B credit tier. APR as low as stated. |
| up to 60 months | 10.65% | C credit tier. APR as low as stated. |
Sources (1)
- gctfcu.net/current-rates · captured Oct 7, 2026
Who can join GCTFCU
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.