Credit union · NCUA insured
GECU Auto Loan Rates
GECU auto loans start at 5.30% APR for a new vehicle and 5.30% for a used one. Rates checked October 16, 2026.
How GECU’s auto loan rates compare
Compared with banks and credit unions near El Paso, TX, where GECU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
GECU
5.30%APR
- Terms
- 61–66 months
Auto Loans
Lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
2nd-lowest rate
evolve Federal Credit Union
4.74%APR
- Terms
- 48–72 months
GECU auto loan score
76
Auto loan score
Higher than 42% of U.S. banks and credit unions
- New vehicleNew5.30%
- Used vehicleUsed5.30%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where GECU 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.
Auto Loans
Membership eligibility required. All loans subject to approval. Rates and terms are based on vehicle year and borrower's credit qualifications and subject to change. Promotional 90 days no payments available (interest accrues during 90-day nonpayment period). Trade-in discount available for existing GECU auto loan holders.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.74% | Model year 2027–2023. 'As low as' rate. |
| 49–60 months | 5.30% | Model year 2027–2023. 'As low as' rate. |
| 61–66 months | 5.30% | Model year 2027–2023. 'As low as' rate. |
| 67–72 months | 5.50% | Model year 2027–2023. 'As low as' rate. Amount financed up to $15,000 for 67–72 month term. |
| 73–78 months | 5.50% | Model year 2027–2023. 'As low as' rate. Amount financed up to $30,000 for 73–78 month term. |
| 79–84 months | 6.00% | Model year 2027–2023. 'As low as' rate. Amount financed is $30,000 and above for 79–84 month term. |
| up to 48 months | 5.30% | Model year 2019. 'As low as' rate. |
Sources (3)
- gecu.com/loans-and-credit/auto-loans
- gecu.com/loans-and-credit/auto-loans/new-used
- gecu.com/rates/auto-loan-rates
All captured Oct 7, 2026
Who can join GECU
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.