Credit union · NCUA insured
Granite State Credit Union Auto Loan Rates
Granite State Credit Union auto loans start at 5.34% APR for a new vehicle and 5.59% for a used one. Rates checked October 22, 2026.
How Granite State Credit Union’s auto loan rates compare
Compared with banks and credit unions near Boston, MA-NH, where Granite State Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Granite State Credit Union
5.34%APR
- Terms
- up to 66 months
New Auto Loans
Lowest rate
Chelsea Employees Federal Credit Union
3.99%APR
- Terms
- up to 72 months
2nd-lowest rate
Hanscom Federal Credit Union
3.99%APR
- Terms
- up to 66 months
Granite State Credit Union auto loan score
72
Auto loan score
Higher than 31% of U.S. banks and credit unions
- New vehicleNew5.34%
- Used vehicleUsed5.59%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Granite State 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 & Used Motorcycles
Rates and amount financed are determined by your credit history. Rates are subject to change at anytime; however, the rate will remain in effect for the life of the loan once disbursed. Estimated monthly payment does not reflect the additional cost of insurances. Additional rates and terms available. Please contact Member Services for additional information. *Annual Percentage Rate (APR) is based on a loan amount of $35,000 plus a $95 origination fee.
| Terms | APR | Conditions |
|---|---|---|
| up to 42 months | 6.64% | Model Year: 2019-2026. Estimated monthly payment: $26.68 per $1,000. Rates as low as. |
| up to 54 months | 7.36% | Model Year: 2019-2026. Estimated monthly payment: $21.75 per $1,000. Rates as low as. |
| up to 66 months | 7.59% | Model Year: 2019-2026. Estimated monthly payment: $18.53 per $1,000. Rates as low as. |
| up to 78 months | 8.08% | Model Year: 2019-2026. Estimated monthly payment: $16.48 per $1,000. Rates as low as. |
| up to 66 months | 9.59% | Model Year: 2018 & Older. Estimated monthly payment: $19.50 per $1,000. Rates as low as. |
| up to 78 months | 10.58% | Model Year: 2018 & Older. Estimated monthly payment: $17.73 per $1,000. Rates as low as. |
Sources (1)
- gscu.org/rates/vehicle-loan-rates.html · captured Oct 15, 2026
New Auto Loans
Current or Upcoming Model Year with less than 6,000 miles. Rates and amount financed are determined by your credit history. Rates are subject to change at anytime; however, the rate will remain in effect for the life of the loan once disbursed. Estimated monthly payment does not reflect the additional cost of insurances. Additional rates and terms available. Please contact Member Services for additional information. *Annual Percentage Rate (APR) is based on a loan amount of $35,000 plus a $95 origination fee.
| Terms | APR | Conditions |
|---|---|---|
| up to 42 months | 4.89% | Model Year: 2026 & Newer. Estimated monthly payment: $25.88 per $1,000. Rates as low as. |
| up to 54 months | 5.11% | Model Year: 2026 & Newer. Estimated monthly payment: $20.71 per $1,000. Rates as low as. |
| up to 66 months | 5.34% | Model Year: 2026 & Newer. Estimated monthly payment: $17.47 per $1,000. Rates as low as. |
| up to 78 months | 5.58% | Model Year: 2026 & Newer. Estimated monthly payment: $15.27 per $1,000. Rates as low as. |
| up to 90 months | 6.32% | Model Year: 2026 & Newer. Estimated monthly payment: $13.94 per $1,000. Rates as low as. |
Sources (1)
- gscu.org/rates/vehicle-loan-rates.html · captured Oct 15, 2026
Used Auto Loans
Rates and amount financed are determined by your credit history. Rates are subject to change at anytime; however, the rate will remain in effect for the life of the loan once disbursed. Estimated monthly payment does not reflect the additional cost of insurances. Additional rates and terms available. Please contact Member Services for additional information. *Annual Percentage Rate (APR) is based on a loan amount of $35,000 plus a $95 origination fee.
| Terms | APR | Conditions |
|---|---|---|
| up to 42 months | 4.89% | Model Year: 2019 & Newer. Estimated monthly payment: $25.88 per $1,000. Rates as low as. |
| up to 54 months | 5.36% | Model Year: 2019 & Newer. Estimated monthly payment: $20.83 per $1,000. Rates as low as. |
| up to 66 months | 5.59% | Model Year: 2019 & Newer. Estimated monthly payment: $17.59 per $1,000. Rates as low as. |
| up to 78 months | 6.08% | Model Year: 2019 & Newer. Estimated monthly payment: $15.51 per $1,000. Rates as low as. |
| up to 90 months | 6.57% | Model Year: 2019 & Newer. Estimated monthly payment: $14.06 per $1,000. Rates as low as. |
| up to 66 months | 8.09% | Model Year: 2018 & Older. Estimated monthly payment: $18.77 per $1,000. Rates as low as. |
| up to 90 months | 9.82% | Model Year: 2018 & Older. Estimated monthly payment: $15.70 per $1,000. Rates as low as. |
Sources (1)
- gscu.org/rates/vehicle-loan-rates.html · captured Oct 15, 2026
Who can join Granite State 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 who live or work in New Hampshire are eligible to join Granite State Credit Union.
Cost to join
- A $10 deposit to establish a savings account is required to become a member and must remain as the minimum balance.
Membership information collected October 4, 2026.