Credit union · NCUA insured
Greater Metro Federal Credit Union Auto Loan Rates
Greater Metro Federal Credit Union auto loans start at 4.99% APR for a new vehicle and 5.99% for a used one. Rates checked October 16, 2026.
How Greater Metro Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near New York, NY-NJ, where Greater Metro Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Greater Metro Federal Credit Union
4.99%APR
- Terms
- up to 60 months
- Discount
- None included
New Vehicle Loans
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
Greater Metro Federal Credit Union auto loan score
78
Auto loan score
Higher than 47% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed5.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Greater Metro 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.
New Vehicle Loans
Minimum loan origination amount is $500.00. Up to 100% financing based on credit rating. Borrow up to $75,000 with up to a 6-year repayment term. Prepayment penalties do not apply.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.99% | Rates shown are lowest available for 60 month terms. Lower rates for shorter terms available but creditworthiness ultimately determines rate offer. Rates subject to change without notice. Up to 100% financing. |
Sources (3)
- greatermetrofcu.org/loans/vehicle-loans
- greatermetrofcu.org/buy-or-ref…-your-vehicle-today-save
- greatermetrofcu.org/loans
All captured Oct 16, 2026
Used Vehicle Loans
Minimum loan origination amount is $500.00. Finance up to 100% of NADA Book value. Borrow up to $75,000 with up to a 6-year repayment term. Prepayment penalties do not apply.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.99% | Model year must be 2019 or newer (& 60k or fewer miles) for 60 month term. Rates shown are lowest available for 60 month terms. Lower rates for shorter terms available but creditworthiness ultimately determines rate offer. Rates subject to change without notice. Finance up to 100% of NADA Book value. |
Sources (3)
- greatermetrofcu.org/loans/vehicle-loans
- greatermetrofcu.org/buy-or-ref…-your-vehicle-today-save
- greatermetrofcu.org/loans
All captured Oct 16, 2026
Who can join Greater Metro Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is available to employees of participating select groups and employers.
Family and household
- Immediate family members (spouse, children, parents, brothers, sisters, grandparents, and grandchildren) and household members sharing living expenses with a credit union member are eligible to join.
- Membership is open to spouses of deceased members, credit union employees and their family members, retirees/pensioners/annuitants from qualifying employment and their immediate family/household, and organizations of such persons.
Cost to join
- Joining requires depositing a minimum of $5.00 in a Share Account (via cash or payroll deduction), with no joining fee or dues.
Membership information collected October 5, 2026.