Credit union · NCUA insured
Generations FCU Auto Loan Rates
Generations FCU auto loans start at 5.50% APR for a new vehicle and 5.70% for a used one. Rates checked October 16, 2026.
How Generations FCU’s auto loan rates compare
Compared with banks and credit unions near San Antonio, TX, where Generations FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Generations FCU
5.50%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Auto Loan
Lowest rate
PenFed Credit Union
3.84%APR
- Terms
- up to 60 months
- Discount
- None included
2nd-lowest rate
Baptist Credit Union
4.24%APR
- Terms
- —
- Discount
- None included
Generations FCU auto loan score
68
Auto loan score
Higher than 20% of U.S. banks and credit unions
- New vehicleNew5.50%
- Used vehicleUsed5.70%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Generations 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.
Auto Loan
Rates include 0.25% autopay discount from MyAdvantage Checking or MyAdvantage Plus Checking account at time of closing. Rates effective 09/23/2026. All loans subject to approval. Minimum loan amounts: $5,000 for 48 months, $10,000 for 60 months, $20,000 for 72 months, $30,000 for 84 months.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.95% | New 2025+ models. Includes 0.25% autopay discount. |
| up to 36 months | 5.15% | Used 2016-2024 models. Includes 0.25% autopay discount. |
| up to 60 months | 5.50% | New 2025+ models. Minimum loan amount $10,000. Includes 0.25% autopay discount. |
| up to 60 months | 5.70% | Used 2016-2024 models. Minimum loan amount $10,000. Includes 0.25% autopay discount. |
| up to 72 months | 5.70% | New 2025+ models. Minimum loan amount $20,000. Includes 0.25% autopay discount. |
| up to 72 months | 5.90% | Used 2016-2024 models. Minimum loan amount $20,000. Includes 0.25% autopay discount. |
| up to 84 months | 6.25% | New 2025+ models. Minimum loan amount $30,000. Includes 0.25% autopay discount. |
| up to 84 months | 6.45% | Used 2016-2024 models. Minimum loan amount $30,000. Includes 0.25% autopay discount. |
Gen Start Loan
First-time auto buyers. Rates include 0.25% autopay discount from MyAdvantage Checking or MyAdvantage Plus Checking account at time of closing. Maximum loan amount $25,000. Rates effective 09/23/2026. All loans subject to approval. First payment deferral of up to 45 days may apply (interest accrues). Refinances of existing GFCU auto loans are not eligible for 45-day deferral or autopay discount and assess a $75 fee.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 7.45% | New 2025+ models. Maximum loan amount $25,000. Includes 0.25% autopay discount. |
| up to 36 months | 7.55% | Used 2016-2024 models. Maximum loan amount $25,000. Includes 0.25% autopay discount. |
| up to 60 months | 7.90% | New 2025+ models. Maximum loan amount $25,000. Includes 0.25% autopay discount. |
| up to 60 months | 8.10% | Used 2016-2024 models. Maximum loan amount $25,000. Includes 0.25% autopay discount. |
| up to 72 months | 8.10% | New 2025+ models. Maximum loan amount $25,000. Includes 0.25% autopay discount. |
| up to 72 months | 8.30% | Used 2016-2024 models. Maximum loan amount $25,000. Includes 0.25% autopay discount. |
Sources (2)
All captured Oct 6, 2026
Motorcycle Loan
Rates include 0.25% discount for loans enrolled in automatic payments from a MyAdvantage Checking or MyAdvantage Plus Checking account at time of closing. APR effective 09/23/2026. All loans subject to approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 6.64% | New 2025+ models. Includes 0.25% autopay discount. |
| up to 72 months | 7.14% | New 2025+ models. Includes 0.25% autopay discount. |
Sources (1)
- mygenfcu.org/vehicle-rates · captured Oct 6, 2026
Who can join Generations FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, worships, volunteers, attends school, or owns a business in Atascosa, Bandera, Bexar, Comal, Guadalupe, Kendall, Medina and/or Wilson County, Texas.
Family and household
- Immediate family members of GFCU members or eligible individuals are eligible for membership.
Other ways
- Commercial membership is open to any business actively operating in Atascosa, Bandera, Bexar, Comal, Guadalupe, Kendall, Medina and/or Wilson County, Texas.
Cost to join
- Founding members each deposited $10 to become a member-owner.
Membership information collected October 5, 2026.