Credit union · Privately insured
Greater Cincinnati Credit Union Auto Loan Rates
Greater Cincinnati Credit Union auto loans start at 5.25% APR for a new vehicle and 6.25% for a used one. Rates checked October 16, 2026.
How Greater Cincinnati Credit Union’s auto loan rates compare
Compared with banks and credit unions near Cincinnati, OH-KY-IN, where Greater Cincinnati Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Greater Cincinnati Credit Union
5.25%APR
- Terms
- up to 66 months
- Up to
- 9.00% APR
New & Used Auto Loans
Lowest rate
Delta Community Credit Union
3.99%APR
- Terms
- up to 60 months
- Up to
- 14.39% APR
2nd-lowest rate
Cincinnati Interagency Federal Credit Union
4.24%APR
- Terms
- —
- Up to
- —
Greater Cincinnati Credit Union auto loan score
71
Auto loan score
Higher than 29% of U.S. banks and credit unions
- New vehicleNew5.25%
- Used vehicleUsed6.25%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Greater Cincinnati 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 Auto Loans
Financing options up to 110% LTV; no prepayment penalties; flexible terms up to 84 months. Model years terms: 2025-2027 up to 66 mos (extended to 72 mos with $25,000 min, or 84 mos with $35,000 min); 2023-2024 up to 60 mos; 2021-2022 up to 54 mos; 2018-2020 up to 48 mos; older up to 36 mos. Rate discounts: Automatic Payment Debit (-0.25%) or Diamond Club (-1.00%). Second Chance Consideration requires minimum credit score of 550.
| Terms | APR | Conditions |
|---|---|---|
| up to 66 months | 5.25%–9.00% | New auto loans up to 66 mos (model years 2025-2027). APR range 5.25% (A+ tier, 110% LTV) to 9.00% (Second Chance, 90% LTV, min credit score 550). No prepayment penalties. Rate discounts available: Automatic Payment Debit (-0.25%) or Diamond Club (-1.00%). |
| up to 66 months | 6.25%–10.00% | Used auto loans up to 66 mos. APR range 6.25% (A+ tier, 110% LTV) to 10.00% (Second Chance, 90% LTV, min credit score 550). No prepayment penalties. Rate discounts available: Automatic Payment Debit (-0.25%) or Diamond Club (-1.00%). |
Who can join Greater Cincinnati Credit Union
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