Bank · FDIC insured
Gold Coast Auto Loan Rates
Gold Coast auto loans start at 6.54% APR for a new vehicle and 6.54% for a used one. Rates checked October 23, 2026.
How Gold Coast’s auto loan rates compare
Compared with banks and credit unions near Chicago, IL-IN, where Gold Coast has the most branches. New vehicle, lowest advertised APR first.
This bank’s lowest
Gold Coast
6.54%APR
- Terms
- 61–72 months
- Discount
- None included
Auto Loan
Lowest rate
Rock Valley Credit Union
3.49%APR
- Terms
- —
- Discount
- None included
2nd-lowest rate
PSFCU
3.50%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Gold Coast auto loan score
63
Auto loan score
Higher than 9% of U.S. banks and credit unions
- New vehicleNew6.54%
- Used vehicleUsed6.54%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Gold Coast ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the bank’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Auto Loan
Available for new, used, refinance, and cash-out refinance. No application fee; no prepayment penalties; 90-day first payment deferral available for newly funded vehicle loans (interest accrues). Rates stated for members with qualifying high credit scores; actual rates determined by credit score, loan term, and collateral.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.74% | Rate advertised as low as 5.740% APR for qualified members with high credit scores; actual rates may be higher based on credit score, term, and collateral. |
| 37–48 months | 6.54% | Rate advertised as low as 6.540% APR for qualified members with high credit scores; actual rates may be higher based on credit score, term, and collateral. |
| 49–60 months | 6.54% | Rate advertised as low as 6.540% APR for qualified members with high credit scores; actual rates may be higher based on credit score, term, and collateral. |
| 61–72 months | 6.54% | Rate advertised as low as 6.540% APR for qualified members with high credit scores; actual rates may be higher based on credit score, term, and collateral. |
| 73–84 months | 6.54% | Rate advertised as low as 6.540% APR for qualified members with high credit scores; actual rates may be higher based on credit score, term, and collateral. |
Auto Refinance
Refinance your existing auto loan from other financial institutions (not valid on internal refinances of existing MSUFCU loans). No application fee; no prepayment penalties; flexible terms up to 84 months; 90-day payment deferrals available.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.74% | Rate as low as 5.740% APR for qualified members with high credit scores; actual rates may be higher based on individual credit score, term, and collateral. |
| 37–48 months | 6.54% | Rate as low as 6.540% APR for qualified members with high credit scores; actual rates may be higher based on individual credit score, term, and collateral. |
| 49–60 months | 6.54% | Rate as low as 6.540% APR for qualified members with high credit scores; actual rates may be higher based on individual credit score, term, and collateral. |
| 61–72 months | 6.54% | Rate as low as 6.540% APR for qualified members with high credit scores; actual rates may be higher based on individual credit score, term, and collateral. |
| 73–84 months | 6.54% | Rate as low as 6.540% APR for qualified members with high credit scores; actual rates may be higher based on individual credit score, term, and collateral. |
Motorcycles (600cc or greater)
Applies to new, used, refinance, and cash-out refinance motorcycles 600cc or greater. No application fee; no down payment; no prepayment penalties; 90-day payment deferral available. Rates stated for qualified members with high credit scores.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.74% | Rate advertised as low as 5.740% APR for qualified members with high credit scores. |
| 37–48 months | 6.54% | Rate advertised as low as 6.540% APR for qualified members with high credit scores. |
| 49–60 months | 6.54% | Rate advertised as low as 6.540% APR for qualified members with high credit scores. |
| 61–72 months | 6.54% | Rate advertised as low as 6.540% APR for qualified members with high credit scores. |
| 73–84 months | 6.54% | Rate advertised as low as 6.540% APR for qualified members with high credit scores. |
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.