Credit union · NCUA insured
Greater Alliance Federal Credit Union Auto Loan Rates
Top CarrotGreater Alliance Federal Credit Union auto loan rates start at 4.99% APR. Rates checked October 22, 2026.
How Greater Alliance Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near New York, NY-NJ, where Greater Alliance Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Greater Alliance Federal Credit Union
– –
- Terms
- —
- Discount
- —
No ongoing APR published
Lowest rate
Westchester Schools FCU
2.90%APR
- Terms
- up to 72 months
- Discount
- None included
2nd-lowest rate
PSFCU
3.50%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
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.
First Time Auto Buyer Program
Designed for borrowers with little to no credit history. Must be 18 years of age or older. Borrowers must have or open a savings account and be a member in good standing. Minimum income of $1,667 per month ($20,000 annually) and minimum 6 months consistent employment required. Full credit check required. Proof of full-coverage insurance with a $500 deductible required listing GAFCU as Loss Payee. Maximum term determined by vehicle age, with combined age and term not exceeding 10 years. Borrow up to $25,000 with up to 5-year repayment plan.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 10.99% | New auto loan rates as low as 10.99% APR for qualified borrowers up to 48 months. Borrow up to $25,000. Minimum income $1,667/month ($20,000 annually) and 6 months consistent employment required. Fixed interest rate. |
| up to 48 months | 11.24% | Used auto loan rates as low as 11.24% APR for qualified borrowers up to 48 months. Borrow up to $25,000. Minimum income $1,667/month ($20,000 annually) and 6 months consistent employment required. |
Sources (2)
All captured Oct 15, 2026
New & Used Auto Loan
Borrowers must have or open a savings account and be a member in good standing. Minimum loan amount of $10,000. Minimum 6 months consistent employment and annual income of at least $20,000 required. Full credit check required. Proof of full-coverage insurance with a $500 deductible required listing GAFCU as Loss Payee. Total vehicle age and term not exceeding 10 years and up to 100% of NADA Retail Value. Flexible terms up to 60 months or longer available upon request.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.99% | Rates as low as 4.99% APR for qualified borrowers up to 48 months. Minimum loan amount of $10,000. Requires minimum 6 months consistent employment and minimum annual income of $20,000. Fixed interest rate. |
| up to 48 months | 5.24% | Rates as low as 5.24% APR for qualified borrowers up to 48 months. Minimum loan amount of $10,000. Requires minimum 6 months consistent employment and minimum annual income of $20,000. |
Sources (2)
All captured Oct 15, 2026
Who can join Greater Alliance 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 anyone who lives, works, worships, attends school, or regularly conducts business in Bergen and Passaic Counties.
Family and household
- Membership is open to immediate family members (spouse, parent, stepparent, child, stepchild, sibling, step-sibling, grandchild, grandparent, or great-grandparent).
Membership information collected October 5, 2026.