Credit union · NCUA insured
GTE Financial Auto Loan Rates
GTE Financial auto loans start at 7.74% APR for a new vehicle and 7.74% for a used one. Rates checked October 15, 2026.
How GTE Financial’s auto loan rates compare
Compared with banks and credit unions near Tampa, FL, where GTE Financial has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
GTE Financial
7.74%APR
- Terms
- —
Classic Car Loan
Lowest rate
Florida West Coast CU
3.99%APR
- Terms
- —
2nd-lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
GTE Financial auto loan score
61
Auto loan score
Higher than 3% of U.S. banks and credit unions
- New vehicleNew7.74%
- Used vehicleUsed7.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where GTE Financial 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.
Classic Car Loan
Designed for classic and vintage vehicles. Membership in GTE Financial required.
| Terms | APR | Conditions |
|---|---|---|
| — | 7.74% | Rate includes 0.25% discount for ACH payments. Qualifying RV and Watercraft loans with balances of $50,000+ ($100,000+) are subject to higher rates. |
Sources (2)
All captured Oct 5, 2026
New Auto
New Auto is defined as current model year or previous model year with less than 10,000 miles. Auto rate does not apply to vehicles older than 8 model years. Up to 100% financing available.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.99% | Rate limited to 48-month term. Advertised as low as rate includes 0.25% discount for ACH / recurring automatic payments. Qualifying vehicle loans with balances of $50,000+, $75,000+, and $100,000+ are subject to higher rates (+0.50%, +0.75%, +1.00%). Based on a minimum loan of $5,000 with a term of 48 months. |
Sources (2)
All captured Oct 5, 2026
Used Auto
Used Auto is defined as being older than 2 model years or over 10,000 miles. Auto rate does not apply to vehicles older than 8 model years. Up to 100% financing available.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.49% | Rate limited to 48-month term. Advertised as low as rate includes 0.25% discount for ACH / recurring automatic payments. Qualifying vehicle loans with balances of $50,000+, $75,000+, and $100,000+ are subject to higher rates (+0.50%, +0.75%, +1.00%). Based on a $5,000 minimum loan amount. |
Sources (2)
All captured Oct 5, 2026
Who can join GTE Financial
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, worships, or attends school within specified portions of certain Florida ZIP codes is eligible for membership.
Employers and groups
- Employees of GTE Financial and their immediate family members can join.
- Employees of companies that become GTE Financial Community Partners are eligible for membership.
Family and household
- Family members of a primary member are eligible for membership.
Other ways
- Individuals can qualify for credit union membership by joining the CU Savers educational financial club.
Cost to join
- A one-time membership fee of $10 is required to join CU Savers.
Membership information collected October 5, 2026.