Credit union · NCUA insured
Government Employees FCU Auto Loan Rates
Top CarrotGovernment Employees FCU auto loans start at 4.69% APR for a new vehicle and 4.69% for a used one. Rates checked October 16, 2026.
How Government Employees FCU’s auto loan rates compare
Compared with banks and credit unions near Austin, TX, where Government Employees FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Government Employees FCU
4.69%APR
- Terms
- 49–60 months
- Discount
- None included
New/Used Vehicle Loans
Lowest rate
Texell Credit Union
4.24%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
2nd-lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
- Discount
- None included
Government Employees FCU auto loan score
88
Auto loan score
Higher than 84% of U.S. banks and credit unions
- New vehicleNew4.69%
- Used vehicleUsed4.69%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Government Employees 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 Refinancing
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.49% | — |
| 37–48 months | 4.59% | — |
| 49–60 months | 4.69% | — |
| 61–72 months | 4.79% | — |
| 73–84 months | 6.49% | — |
Sources (1)
- gefcu.org/loans/rates · captured Oct 7, 2026
Motorcycle Loans
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.75% | — |
Sources (1)
- gefcu.org/loans/rates · captured Oct 7, 2026
New/Used Vehicle Loans
100% Financing including TT&L. Preapproval available. Texas residents may apply online.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.49% | — |
| 37–48 months | 4.59% | — |
| 49–60 months | 4.69% | — |
| 61–72 months | 4.79% | — |
| 73–84 months | 6.49% | — |
Who can join Government Employees FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Individuals who belong to one of the eligible groups listed on the Select Employee Groups (SEG) are eligible for membership.
Military, government and schools
- Government employees are eligible for membership.
Other ways
- Eligibility can be gained by making a $15 donation to the Austin Public Library through GEFCU.
Cost to join
- A $15 donation to the Austin Public Library through GEFCU is required to gain membership eligibility via that path.
- A $5 deposit into a share account is required to become a member.
Membership information collected October 5, 2026.