Credit union · NCUA insured
Greater Experience Credit Union Auto Loan Rates
Greater Experience Credit Union auto loans start at 4.25% APR for a new vehicle and 4.75% for a used one. Rates checked October 15, 2026.
How Greater Experience Credit Union’s auto loan rates compare
Compared with banks and credit unions near Johnson City, TN, where Greater Experience Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Greater Experience Credit Union
4.25%APR
- Terms
- 12–96 months
- Up to
- 16.25% APR
New & Used Auto
Lowest rate
United Southeast Federal Credit Union
3.75%APR
- Terms
- 36–84 months
- Up to
- —
3rd-lowest rate
Eastman Credit Union
4.74%APR
- Terms
- 36–120 months
- Up to
- 12.24% APR
Greater Experience Credit Union auto loan score
89
Auto loan score
Higher than 88% of U.S. banks and credit unions
- New vehicleNew4.25%
- Used vehicleUsed4.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Greater Experience 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.
Motorcycles
Rates determined utilizing risk-based lending calculated on credit history, down payment, and term; maximum rate of 18.00%. Simple interest on unpaid balances.
| Terms | APR | Conditions |
|---|---|---|
| 12–108 months | 5.25%–15.75% | New collateral; simple interest on unpaid balances. |
| 12–84 months | 5.75%–16.75% | Used collateral; simple interest on unpaid balances. |
Sources (1)
- greatereastern.org/l-rates.html · captured Oct 15, 2026
New & Used Auto
Rates determined by credit score, down payment, and term; creditworthiness required; max rate 18.00%.
| Terms | APR | Conditions |
|---|---|---|
| 12–96 months | 4.25%–16.25% | New collateral; interest calculated as simple interest on unpaid balances. |
| 12–96 months | 4.75%–17.25% | Used collateral; interest calculated as simple interest on unpaid balances. |
Sources (1)
- greatereastern.org/l-rates.html · captured Oct 15, 2026
Who can join Greater Experience 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This may be incomplete or out of date, so check with the credit union before you apply.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, work, worship, or attend school in Washington, Carter, or Unicoi County are eligible for membership.
Military, government and schools
- Individuals who are currently employed or retired from a government employer and live or work in Greene and/or Sullivan County are eligible for membership.
Family and household
- Immediate family members of current GECU members are eligible for membership.
Cost to join
- A one-time membership fee of $1.00 is required upon joining.
- A minimum savings account deposit/balance of $5 is required for membership.
Membership information collected October 5, 2026.