Credit union · NCUA insured
GHA Federal Credit Union Auto Loan Rates
GHA Federal Credit Union auto loans start at 5.25% APR for a new vehicle and 5.25% for a used one. Rates checked October 22, 2026.
How GHA Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Bridgeport, CT, where GHA Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
GHA Federal Credit Union
5.25%APR
- Terms
- up to 60 months
- Up to
- 13.25% APR
- Discount
- None included
Vehicle Loans
Lowest rate
GE Credit Union
3.99%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- Included in the rate
2nd-lowest rate
Albright Credit Union
4.44%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- None included
GHA Federal Credit Union auto loan score
77
Auto loan score
Higher than 44% of U.S. banks and credit unions
- New vehicleNew5.25%
- Used vehicleUsed5.25%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where GHA Federal 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.
Vehicle Loans
100% financing on new vehicles & up to 80% financing of Clean trade in value from NADA book for used vehicles. Refinancing from other institutions available; existing credit union loans cannot be refinanced. Requires proof of income and purchase agreement.
| Terms | APR | Conditions |
|---|---|---|
| 24–48 months | 5.00%–13.00% | Rates vary by credit tier (Fair Isaac score 549 or Less to 730+). Best rates require Fair Isaac 730+ (Rate Tier A+). |
| up to 60 months | 5.25%–13.25% | Rates vary by credit tier (Fair Isaac score 549 or Less to 730+). Best rates require Fair Isaac 730+ (Rate Tier A+). |
| up to 72 months | 5.50%–7.00% | Rates vary by credit tier (Fair Isaac score 600-639 to 730+). Best rates require Fair Isaac 730+ (Rate Tier A+). Stated for tiers A+, A, B, and C. |
| up to 84 months | 5.75%–6.25% | Rates vary by credit tier (Fair Isaac score 680-729 to 730+). Best rates require Fair Isaac 730+ (Rate Tier A+). Stated for tiers A+ and A. |
Sources (4)
- ghafcu.org
- ghafcu.org/Loans/Vehicle-Loans
- ghafcu.org/News/Auto-Loans-Rates-as-low-as-1-99
- ghafcu.org/Rates/Loan-Rates
All captured Oct 15, 2026
Who can join GHA Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.