Credit union · NCUA insured
Georgia Power Valdosta FCU Auto Loan Rates
Georgia Power Valdosta FCU auto loans start at 6.50% APR for a new vehicle and 6.50% for a used one. Rates checked October 22, 2026.
How Georgia Power Valdosta FCU’s auto loan rates compare
Compared with banks and credit unions near Valdosta, GA, where Georgia Power Valdosta FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Georgia Power Valdosta FCU
6.50%APR
- Terms
- up to 72 months
- Up to
- 16.50% APR
- Discount
- None included
New Auto Loans
Lowest rate
Bank of America
5.64%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- Included in the rate
2nd-lowest rate
Southeastern Credit Union
6.00%APR
- Terms
- up to 84 months
- Up to
- —
- Discount
- None included
Georgia Power Valdosta FCU auto loan score
63
Auto loan score
Higher than 9% of U.S. banks and credit unions
- New vehicleNew6.50%
- Used vehicleUsed6.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Georgia Power Valdosta 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.
New Auto Loans
APR based on creditworthiness and term of loan. Rates subject to change at any time and not guaranteed. Checking Account allows 0.25% deduction; Payroll Loan Payment allows 0.25% deduction.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 6.50%–16.50% | under $20,000.00; Checking Account allows 0.25% deduction; Payroll Loan Payment allows 0.25% deduction |
| up to 48 months | 6.50%–16.50% | under $20,000.00; Checking Account allows 0.25% deduction; Payroll Loan Payment allows 0.25% deduction |
| up to 60 months | 6.50%–16.50% | under $20,000.00; Checking Account allows 0.25% deduction; Payroll Loan Payment allows 0.25% deduction |
| up to 72 months | 6.50%–16.50% | over $20,000.00; Checking Account allows 0.25% deduction; Payroll Loan Payment allows 0.25% deduction |
| up to 84 months | 7.50%–16.50% | over $25,000.00; Checking Account allows 0.25% deduction; Payroll Loan Payment allows 0.25% deduction |
Sources (1)
- gpvfcu.com/loan-rates · captured Oct 22, 2026
Used Auto Loans
APR based on creditworthiness and term of loan. Rates subject to change at any time and not guaranteed.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 6.50%–18.50% | Within 1-5 Years Off Current New Auto Year Model; under $15,000.00 |
| up to 48 months | 6.50%–18.50% | Within 1-5 Years Off Current New Auto Year Model; under $15,000.00 |
| up to 60 months | 6.50%–18.50% | Within 1-5 Years Off Current New Auto Year Model; over $15,000.00 |
| up to 72 months | 6.50%–18.50% | Within 1-5 Years Off Current New Auto Year Model; over $20,000.00 |
| up to 84 months | 7.50%–18.50% | Within 1-5 Years Off Current New Auto Year Model; over $25,000.00 (2011 & above) |
| up to 36 months | 8.50%–18.00% | Over 5 Years Off Current New Auto Year Model; under $15,000.00 |
| up to 48 months | 8.50%–18.00% | Over 5 Years Off Current New Auto Year Model; under $15,000.00 |
Sources (1)
- gpvfcu.com/loan-rates · captured Oct 22, 2026
Who can join Georgia Power Valdosta FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees and retirees of participating partner companies or groups are eligible for membership.
Military, government and schools
- Employees and retirees of participating local government entities (City of Hahira, City of Remerton, Lowndes County Employees) are eligible to join.
Family and household
- Immediate family members of eligible group employees and retirees are eligible for membership.
Membership information collected October 4, 2026.