Credit union · NCUA insured
GRANCO Federal Credit Union Auto Loan Rates
GRANCO Federal Credit Union auto loans start at 4.39% APR for a new vehicle and 4.39% for a used one. Rates checked October 22, 2026.
How GRANCO Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Moses Lake, WA, where GRANCO Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
GRANCO Federal Credit Union
4.39%APR
- Terms
- up to 96 months
- Up to
- 15.04% APR
- Discount
- None included
New or Used Vehicle Loans
2nd-lowest rate
Solarity Credit Union
5.23%APR
- Terms
- up to 72 months
- Up to
- —
- Discount
- Included in the rate
3rd-lowest rate
STCU
5.24%APR
- Terms
- up to 72 months
- Up to
- —
- Discount
- Included in the rate
GRANCO Federal Credit Union auto loan score
91
Auto loan score
Higher than 92% of U.S. banks and credit unions
- New vehicleNew4.39%
- Used vehicleUsed4.39%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where GRANCO 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 or Used Vehicle Loans
GRANCO will finance up to 100% of the purchase price plus sales tax and licensing on all vehicle loans. Zero payments for the first 45 days.
| Terms | APR | Conditions |
|---|---|---|
| up to 96 months | 4.39%–15.04% | Up to 85% Financing |
| up to 96 months | 5.14%–15.79% | Up to 100% Financing |
| up to 96 months | 5.84%–16.49% | 100% + Tax & Licensing |
Who can join GRANCO Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of eligible Port Districts, Hospitals, Irrigation Districts, Consolidated Disposal Service Inc., or Family Services of Grant County are eligible to join.
Military, government and schools
- Employees of specified School Districts (Ephrata, Moses Lake, Othello, Quincy, Soap Lake, Wilson Creek) or Big Bend Community College are eligible to join.
- Firefighters associated with Grant County Fire Districts (#3, #5, #7, #10, #11, #13), Ephrata Volunteer Firefighters, or firefighters employed by eligible cities are eligible to join.
- Employees of specified Public Utility Districts (Grant County, Kittitas County, Okanogan County, Douglas County), specified Cities (Ephrata, George, Moses Lake, Othello, Quincy, Soap Lake), Grant Transit Authority, or Municipal Corporation of Grant County are eligible to join.
Family and household
- Family members of employees at any of the listed eligible organizations are eligible to join.
Membership information collected October 4, 2026.