Credit union · NCUA insured
Great Basin Federal Credit Union Auto Loan Rates
Great Basin Federal Credit Union auto loans start at 4.25% APR for a new vehicle and 4.25% for a used one. Rates checked October 22, 2026.
How Great Basin Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Reno, NV, where Great Basin Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Great Basin Federal Credit Union
4.25%APR
- Terms
- up to 60 months
- Up to
- 16.75% APR
Auto Loans
2nd-lowest rate
Greater Nevada Credit Union
4.50%APR
- Terms
- up to 84 months
- Up to
- —
3rd-lowest rate
Sierra Pacific Federal Credit Union
4.74%APR
- Terms
- up to 60 months
- Up to
- —
Great Basin Federal Credit Union auto loan score
92
Auto loan score
Higher than 93% of U.S. banks and credit unions
- New vehicleNew4.25%
- Used vehicleUsed4.25%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Great Basin 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.
Auto Loans
Finances up to 115% MSRP on new model-year vehicles, up to 125% RKBB on used vehicles. Terms up to 84 months. Little-to-no down payment. Existing Great Basin loans not eligible for refinance. 25 basis points (0.25%) added for vehicle mileage 75,000+. Exclusive 0.50% loyalty discount available for qualifying members. No application fee. No DMV title fees (except on dealer direct loans). No prepayment penalties. Option for no payments for 90 days.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.25%–16.75% | Rates vary by credit score (4.25% for 720+ to 16.75% for <599). 25 basis points added for mileage 75,000+. 50 basis points loyalty discount available. |
| up to 60 months | 4.25%–16.75% | Rates vary by credit score (4.25% for 720+ to 16.75% for <599). 25 basis points added for mileage 75,000+. 50 basis points loyalty discount available. |
| up to 72 months | 6.00%–17.25% | Rates vary by credit score (6.00% for 720+ to 17.25% for <599). 25 basis points added for mileage 75,000+. 50 basis points loyalty discount available. |
| up to 84 months | 6.50%–17.25% | Rates vary by credit score (6.50% for 720+ to 17.25% for <599). 25 basis points added for mileage 75,000+. 50 basis points loyalty discount available. |
Sources (3)
All captured Oct 3, 2026
Payment Saver Auto Loan
Low-payment alternative to leasing for new & used cars and trucks. Terms up to 72 months. Rate is increased 1% for mileage over 75,000.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 5.25%–9.25% | Low-payment alternative to leasing. Rate is increased 1% for mileage over 75,000. |
Who can join Great Basin 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
- Membership is open to individuals who live, work, worship, attend school, or own a business in select counties in Northern Nevada or Treasure Valley, Idaho.
Cost to join
- A minimum balance of $25 is required in savings for the life of the account.
Membership information collected October 4, 2026.