Credit union · NCUA insured
GFA FCU Auto Loan Rates
Top CarrotGFA FCU auto loans start at 5.99% APR for a new vehicle and 5.99% for a used one. Rates checked October 15, 2026.
How GFA FCU’s auto loan rates compare
Compared with banks and credit unions near Worcester, MA, where GFA FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
GFA FCU
5.99%APR
- Terms
- up to 66 months
- Discount
- Included in the rate
Auto Loan
Lowest rate
Hanscom Federal Credit Union
3.99%APR
- Terms
- up to 66 months
- Discount
- None included
2nd-lowest rate
Leominster Employees Federal Credit Union
4.24%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
GFA FCU auto loan score
65
Auto loan score
Higher than 13% of U.S. banks and credit unions
- New vehicleNew5.99%
- Used vehicleUsed5.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where GFA 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
Loan rates are subject to credit underwriting and approval; actual rates may differ from those advertised. Advertised rates for automobiles reflect a 0.25% discount for automatic payment and are offered to borrowers who qualify for our highest credit tier. Amount financed includes a $59.00 application fee and up to $195.00 VSI Insurance. Up to 125% financing available on consumer autos. GFA membership is required, members must maintain a $10.00 deposit relationship. For rates on automobiles 2017 and older, please call credit union.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.99% | Monthly payment of $43.87 per $1,000 borrowed. Advertised rate reflects a 0.25% discount for automatic payment. Highest credit tier. |
| up to 36 months | 5.74% | Monthly payment of $30.30 per $1,000 borrowed. Advertised rate reflects a 0.25% discount for automatic payment. Highest credit tier. |
| up to 48 months | 5.74% | Monthly payment of $23.37 per $1,000 borrowed. Advertised rate reflects a 0.25% discount for automatic payment. Highest credit tier. |
| up to 66 months | 5.99% | Monthly payment of $17.82 per $1,000 borrowed. Advertised rate reflects a 0.25% discount for automatic payment. Highest credit tier. |
| up to 75 months | 6.24% | Monthly payment of $16.14 per $1,000 borrowed. Advertised rate reflects a 0.25% discount for automatic payment. Highest credit tier. |
| up to 84 months | 6.99% | Monthly payment of $15.09 per $1,000 borrowed. Advertised rate reflects a 0.25% discount for automatic payment. Highest credit tier. |
Sources (4)
- gfafcu.com
- gfafcu.com/bank/certificates/ira-certificate.html
- gfafcu.com/borrow/vehicle-loans/auto.html
- gfafcu.com/rates.html
All captured Oct 15, 2026
Motorcycle Loan Rates
Loan rates are subject to credit underwriting and approval, actual rates may differ from those advertised. Maximum terms allows determined by amount borrowed and underwriter discretion. Rates are subject to change and may change without notice. Additional rate add ons may apply. Advertised rates for motorcycles reflect a .25% discount for automatic payment. Advertised rates are offered to borrowers who qualify for our highest credit tier. Amount financed includes a $59.00 application fee and up to $195.00 VSI Insurance. Up to 125% financing available on consumer motorcycles. GFA membership is required, members must maintain a $10.00 deposit relationship.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 9.99% | Payments/$1,000: $34.31. Advertised rates for motorcycles reflect a .25% discount for automatic payment. Advertised rates are offered to borrowers who qualify for our highest credit tier. |
| up to 60 months | 10.99% | Payments/$1,000: $23.13. Advertised rates for motorcycles reflect a .25% discount for automatic payment. Advertised rates are offered to borrowers who qualify for our highest credit tier. |
| up to 72 months | 11.49% | Payments/$1,000: $20.53. Advertised rates for motorcycles reflect a .25% discount for automatic payment. Advertised rates are offered to borrowers who qualify for our highest credit tier. |
Sources (3)
- gfafcu.com/bank/certificates/ira-certificate.html
- gfafcu.com/borrow/vehicle-loans/auto.html
- gfafcu.com/rates.html
All captured Oct 15, 2026
Who can join GFA FCU
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.