Credit union · NCUA insured
G.P.O. Federal Credit Union Auto Loan Rates
Top CarrotG.P.O. Federal Credit Union auto loans start at 3.99% APR for a new vehicle and 4.74% for a used one. Rates checked October 16, 2026.
How G.P.O. Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Utica, NY, where G.P.O. Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
G.P.O. Federal Credit Union
3.99%APR
- Terms
- 61–66 months
New Auto Loans (2023-2027)
Lowest rate
Access Federal Credit Union
3.99%APR
- Terms
- 49–60 months
3rd-lowest rate
Remington Federal Credit Union
4.25%APR
- Terms
- 55–66 months
G.P.O. Federal Credit Union auto loan score
92
Auto loan score
Higher than 93% of U.S. banks and credit unions
- New vehicleNew3.99%
- Used vehicleUsed4.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where G.P.O. 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.
New Auto Loans (2023-2027)
Membership eligibility required. Credit restrictions apply and applications are subject to credit approval. Loan rates are determined by overall credit history and are subject to change without notice.
| Terms | APR | Conditions |
|---|---|---|
| 1–60 months | 3.99% | — |
| 61–66 months | 3.99% | — |
| 67–72 months | 4.99% | — |
| 73–84 months | 5.74% | 2025-2027 models only |
Sources (1)
- gpofcu.com/bank/personal-checking/classic-checking.html · captured Oct 5, 2026
Payment Saver Lease-Like Loan (2021-2027)
Membership eligibility required. Credit restrictions apply and applications are subject to credit approval. Loan rates are determined by overall credit history and are subject to change without notice. Loan amounts of $12,000 to $17,999 – add 1% to stated rate not to exceed 18.00%. Includes a balloon payment due at maturity.
| Terms | APR | Conditions |
|---|---|---|
| 24–60 months | 4.99% | Loan amounts of $12,000 to $17,999 – add 1% to stated rate not to exceed 18.00% |
| 61–72 months | 5.99% | Loan amounts of $12,000 to $17,999 – add 1% to stated rate not to exceed 18.00% |
Sources (1)
- gpofcu.com/bank/personal-checking/classic-checking.html · captured Oct 5, 2026
Used Auto Loans (2019-2022)
Membership eligibility required. Credit restrictions apply and applications are subject to credit approval. Loan rates are determined by overall credit history and are subject to change without notice.
| Terms | APR | Conditions |
|---|---|---|
| 1–60 months | 4.74% | — |
| 61–66 months | 5.99% | — |
Sources (1)
- gpofcu.com/bank/personal-checking/classic-checking.html · captured Oct 5, 2026
Who can join G.P.O. Federal 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 qualify for membership if they live, work, attend school, worship, or regularly conduct business in Hamilton, Herkimer, Oneida, Madison, Otsego, Chenango, Onondaga, Lewis, or Essex County.
- Individuals qualify for membership by volunteering within the field of membership across eligible counties.
Family and household
- Immediate family or household members are eligible for membership.
Other ways
- Organizations, corporations, businesses, and other legal entities located in eligible areas or within the field of membership qualify for membership.
Membership information collected October 5, 2026.