Credit union · NCUA insured
Georgia's Own Credit Union Auto Loan Rates
Georgia's Own Credit Union auto loans start at 4.76% APR for a new vehicle and 4.76% for a used one. Rates checked October 22, 2026.
How Georgia's Own Credit Union’s auto loan rates compare
Compared with banks and credit unions near Atlanta, GA, where Georgia's Own Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Georgia's Own Credit Union
4.76%APR
- Terms
- up to 60 months
Auto Model Years 2025 or newer
Lowest rate
Go Energy Credit Union
3.59%APR
- Terms
- —
2nd-lowest rate
On The Grid Financial
3.75%APR
- Terms
- 49–60 months
Georgia's Own Credit Union auto loan score
86
Auto loan score
Higher than 75% of U.S. banks and credit unions
- New vehicleNew4.76%
- Used vehicleUsed4.76%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Georgia's Own 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.
Auto Model Years 2006-2015
Advertised 'as low as' Annual Percentage Rates (APR) assume excellent borrower credit history and a vehicle loan to value (LTV) of <=90%. Your APR may differ based on final verification of application information, collateral, loan-to-value/combined-loan-to-value, your creditworthiness, the age and mileage of the collateral or the length of the loan term. Your APR could be higher than the stated rate. Loans are subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 6.35% | <95,000 miles. Approx. term 36 months. |
| up to 48 months | 7.14% | <95,000 miles. Approx. term 48 months. |
Auto Model Years 2016-2021
Advertised 'as low as' Annual Percentage Rates (APR) assume excellent borrower credit history and a vehicle loan to value (LTV) of <=90%. Your APR may differ based on final verification of application information, collateral, loan-to-value/combined-loan-to-value, your creditworthiness, the age and mileage of the collateral or the length of the loan term. Your APR could be higher than the stated rate. Loans are subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.65% | Loan amount $3,500 minimum. Approx. term 36 months. |
| up to 48 months | 5.42% | Loan amount $3,500 minimum. Approx. term 48 months. |
| up to 60 months | 5.48% | Loan amount $3,500 minimum. Approx. term 60 months. |
| up to 72 months | 5.70% | Loan amount $15,000 minimum, <75,000 Miles. Approx. term 72 months. |
| up to 84 months | 5.80% | Loan amount $22,000 minimum, <40,000 Miles. Approx. term 84 months. |
Auto Model Years 2022-2024
Advertised 'as low as' Annual Percentage Rates (APR) assume excellent borrower credit history and a vehicle loan to value (LTV) of <=90%. Your APR may differ based on final verification of application information, collateral, loan-to-value/combined-loan-to-value, your creditworthiness, the age and mileage of the collateral or the length of the loan term. Your APR could be higher than the stated rate. Loans are subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.45% | Loan amount $3,500 minimum. Approx. term 36 months. |
| up to 48 months | 5.37% | Loan amount $3,500 minimum. Approx. term 48 months. |
| up to 60 months | 5.40% | Loan amount $3,500 minimum. Approx. term 60 months. |
| up to 72 months | 5.45% | Loan amount $15,000 minimum, <75,000 Miles. Approx. term 72 months. |
| up to 84 months | 5.60% | Loan amount $22,000 minimum, <40,000 Miles. Approx. term 84 months. |
| up to 96 months | 6.10% | Loan amount $40,000 minimum, <30,000 Miles. Approx. term 96 months. A 96-month term is available on new and used autos (up to four prior-year models). To qualify for the 96-month term on used autos, you must receive at least $750 per month in qualifying ACH deposits from an outside source into your eligible Georgia's Own checking or savings account(s) during each of the two calendar months immediately before your loan application is approved. |
Auto Model Years 2025 or newer
Advertised 'as low as' Annual Percentage Rates (APR) assume excellent borrower credit history and a vehicle loan to value (LTV) of <=90%. Your APR may differ based on final verification of application information, collateral, loan-to-value/combined-loan-to-value, loan term, and creditworthiness and could be higher than the stated rate. Loans are subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.35% | Loan amount $3,500 minimum. Approx. term 36 months. |
| up to 48 months | 4.39% | Loan amount $3,500 minimum. Approx. term 48 months. |
| up to 60 months | 4.76% | Loan amount $3,500 minimum. Approx. term 60 months. |
| up to 72 months | 5.10% | Loan amount $15,000 minimum, <75,000 miles. Approx. term 72 months. |
| up to 84 months | 5.53% | Loan amount $22,000 minimum, <40,000 miles. Approx. term 84 months. |
| up to 96 months | 6.03% | Loan amount $40,000 minimum, <30,000 Miles. Approx. term 96 months. A 96-month term is available on new and used autos (up to four prior-year models). To qualify for the 96-month term on used autos, you must receive at least $750 per month in qualifying ACH deposits from an outside source into your eligible Georgia's Own checking or savings account(s) during each of the two calendar months immediately before your loan application is approved. |
Who can join Georgia's Own Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live or work in one of 77 designated Georgia counties are eligible for membership.
Employers and groups
- Employees and retirees of over 600 partner companies throughout Georgia are eligible for membership.
Family and household
- Individuals related by blood, adoption, or marriage to a current Georgia's Own member are eligible for membership.
Cost to join
- A $5 opening deposit into a primary savings account (share account) is required to establish membership.
Membership information collected October 4, 2026.